How much mortgage can you afford on your salary?
Every page below runs the real federal stress test — qualifying at the higher of contract rate + 2% or 5.25%, GDS 39% / TDS 44% — for one income level, with a 10% down payment and no other debts. Pick your salary, then run your exact numbers (debts, down payment, rate) in the mortgage stress test calculator.
$40,000 salary
How much house can I afford making $40k a year?
$50,000 salary
How much house can I afford making $50k a year?
$60,000 salary
How much house can I afford making $60k a year?
$65,000 salary
How much house can I afford making $65k a year?
$70,000 salary
How much house can I afford making $70k a year?
$75,000 salary
How much house can I afford making $75k a year?
$80,000 salary
How much house can I afford making $80k a year?
$85,000 salary
How much house can I afford making $85k a year?
$90,000 salary
How much house can I afford making $90k a year?
$95,000 salary
How much house can I afford making $95k a year?
$100,000 salary
How much house can I afford making $100k a year?
$110,000 salary
How much house can I afford making $110k a year?
$120,000 salary
How much house can I afford making $120k a year?
$125,000 salary
How much house can I afford making $125k a year?
$130,000 salary
How much house can I afford making $130k a year?
$140,000 salary
How much house can I afford making $140k a year?
$150,000 salary
How much house can I afford making $150k a year?
$175,000 salary
How much house can I afford making $175k a year?
$200,000 salary
How much house can I afford making $200k a year?
Reading these numbers
All figures assume a 4.5% contract rate (qualified at 6.5%), 25-year amortization, $350/month property tax, $150/month heat, and no other debt. They're planning-grade estimates — a lender's pre-approval is the authoritative version, and our pre-approval guide explains how to get one. For the bigger picture, read how much house you can afford and the stress test explainer.