How much house can you really afford on $100,000?
Banks approve $500,000+ on a $100,000 salary - but you should probably spend $300,000 – $380,000. Here's the real math.
Have feedback? We'd love to hear from youBank Approves
$500,000+
Comfortable Range
$300,000 – $380,000
Take-Home Pay
~$6,400
At $100k, your gross monthly income is $8,333. Lenders will approve you for $500k or more, but a 28% DTI guideline means keeping your housing payment under $2,333/month. That translates to a $300,000–$380,000 home depending on your other debts, down payment, and local taxes.
Your Finances
Comfort Level
Most financial advisors recommend staying under 28%. Banks will approve up to 43%.
You can afford
$275,549
at 28% DTI (Conservative)
Debt-to-Income Gauge
Your actual DTI: 28% (housing: 21.8%)
Conservative (25%)
$242,387
Comfortable buffer
Recommended (28%)
$275,549
Standard guideline
Bank Maximum (43%)
$441,355
Highest approval
Monthly Payment Breakdown
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