Calculate your maximum home price using the 28/36 DTI rule. See mortgage payments, PMI, and total cost at different down payment levels. Updated with 2024 federal tax brackets, standard deductions, and contribution limits.
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| Tax Rate | Single Filer | Married Filing Jointly |
|---|---|---|
| 10% | $0 – $11,600 | $0 – $23,200 |
| 12% | $11,601 – $47,150 | $23,201 – $94,300 |
| 22% | $47,151 – $100,525 | $94,301 – $201,050 |
| 24% | $100,526 – $191,950 | $201,051 – $383,900 |
| 32% | $191,951 – $243,725 | $383,901 – $487,450 |
| 35% | $243,726 – $609,350 | $487,451 – $731,200 |
| 37% | Over $609,350 | Over $731,200 |
This home affordability calculator uses the latest 2024 federal tax brackets, standard deduction of $14,600 (single) / $29,200 (married filing jointly), and updated contribution limits. The Social Security wage cap for 2024 is $168,600, and the 401(k) contribution limit is $23,000.
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| Down % | Down Payment | Max Home | Monthly | PMI |
|---|---|---|---|---|
| 5% | $12,387 | $247,730 | $1,983.32 | $98.06 |
| 10% | $25,954 | $259,545 | $1,983.32 | $97.33 |
| 15% | $40,881 | $272,542 | $1,983.32 | $96.53 |
| 20% | $60,541 | $302,703 | $1,983.33 | None |
| Annual Income | Max Home (20% down) | Max Housing / Mo |
|---|---|---|
| $50,000 | $156,855 | $1,100.00 |
| $75,000 | $264,177 | $1,750.00 |
| $100,000 | $360,492 | $2,333.33 |
| $125,000 | $456,806 | $2,916.67 |
| $150,000 | $553,121 | $3,500.00 |
| $200,000 | $745,750 | $4,666.67 |