주택 경제성 계산기

소득, 부채, 계약금을 기준으로 감당할 수 있는 주택 규모를 알아보세요.

귀하의 재정

$
$

자동차 할부금, 학자금 대출, 신용카드 등

$

대출내역

$

Enter your income, debts, and down payment to see how much house you can afford and compare conservative, moderate, and aggressive scenarios.

전체 사용자 가이드

What is House Affordability?

House affordability is the maximum home price you can afford based on your income, existing debts, down payment, and loan terms. Lenders use debt-to-income (DTI) ratios to ensure you can repay the loan. The 28/36 rule is common: no more than 28% of gross income on housing (front-end DTI) and no more than 36% on all debts combined (back-end DTI).

Front-End vs Back-End DTI

Front-End DTI (28% guideline)

Housing payment (P&I, taxes, insurance, PMI, HOA) ÷ gross monthly income. Lenders prefer this under 28%.

Back-End DTI (36% guideline)

All monthly debts (housing + car, student loans, credit cards, etc.) ÷ gross monthly income. Lenders prefer this under 36%.

이 계산기를 사용하는 방법

  1. Enter your gross annual household income (before taxes).
  2. Enter total monthly debt payments (excluding rent).
  3. Enter the down payment you have available.
  4. Set interest rate, loan term, property tax %, insurance %, and HOA if applicable.
  5. Click Calculate to see your max affordable home price and monthly payment.
  6. Compare Conservative (25%), Moderate (28%), and Aggressive (32%) scenarios.

결과 이해

Max Home Price

The highest home price that keeps your total housing payment within the 28/36 DTI limits based on your inputs.

Scenarios

Conservative uses 25% of income for housing; Moderate uses 28% (recommended); Aggressive uses 32% (higher risk).

Monthly Payment Breakdown Chart

The doughnut chart shows how your total monthly housing payment is split: Principal & Interest (P&I), property tax, insurance, PMI (if down payment < 20%), and HOA. Use it to see where your money goes each month.

사용된 공식

Max housing payment

min(28% × monthly income, 36% × monthly income − monthly debts)

Monthly P&I

P&I = Loan × [ r(1+r)^n ] / [ (1+r)^n − 1 ]

r = monthly rate, n = number of payments.

중요 사항

  • This calculator is for estimation only. Lenders may use different DTI limits or include other factors.
  • Property tax and insurance are estimates (as % of home value). Actual amounts vary by location and policy.
  • Get pre-approved with a lender to know your actual budget and rate.

주택 구매 팁

  • Get pre-approved before house hunting.
  • Don't max out your budget; leave room for maintenance and emergencies.
  • Pay down debt to improve DTI and qualify for better rates.
  • Keep 3–6 months of expenses in reserves after closing.

📤 Share This Tool