A common rule of thumb is that housing costs stay near 28% of gross income, and many lenders look at overall debt-to-income under about 43%. On a $75,000 salary, that puts rough monthly housing capacity around $1,750 before other debts.
Run the numbers with the free house affordability calculator, or the mortgage calculator on ezcalcs, then come back to this guide for context. Results are estimates for planning only.
Use the affordability calculator for a quick ceiling, then run a mortgage payment estimate with taxes and insurance in mind. Local prices, credit, down payment, and rates change the answer. Treat these tools as planning aids, not underwriting.
