Free Tool
Affordability Calculator
Your real price range at this week's rates, with Bay Area and Sacramento property tax, 2026 loan limits, insurance and mortgage insurance built in.
Comfortable Price Range
Up to $1,270,000
Updates as you type. Full breakdown below.
Your Numbers
Car, student loans, minimum card payments, other mortgages. Not rent.
Keep money for closing costs and reserves separate from this amount.
Sets property tax and 2026 loan limits.
Freddie Mac PMMS 30 year average, October 29, 2026
Affects mortgage insurance when you put less than 20% down.
Allows 3% down on standard conforming loans.
Comfortable Price Range
Up to $1,270,000
About $8,198 a month all in, keeping total debts at 36% of income.
Estimates only, for planning. Your lender sets the actual rate, loan program and approval. Rates change daily. Rami Tannous is a licensed REALTOR® (DRE #02334866) with Nick Sadek Sotheby's International Realty, not a lender, attorney or tax advisor. This is not a loan offer or tax advice. Equal Housing Opportunity.
How It Works
Lenders look at your total monthly debt, including the new house payment, as a share of gross monthly income (debt to income, or DTI).
- Comfortable range: total debts at 36% of income, the classic guideline and Fannie Mae's limit for manually underwritten loans.
- Stretch range: 45%, Fannie Mae's manual limit with strong credit and reserves. Automated approvals can go to 50%.
- Payment: principal and interest at your rate, property tax at a typical rate for the county (1% Prop 13 base plus local bonds, before any Mello-Roos), homeowners insurance, typical mortgage insurance below 20% down, and HOA dues.
- Loan limits: 2026 conforming limits are $1,249,125 in Santa Clara and San Mateo counties and $832,750 in Sacramento, Placer and El Dorado. Above the limit is a jumbo loan. This calculator allows jumbo with 10% down plus mortgage insurance, but jumbo terms vary by lender and many require 20% down and a lower debt ratio. High balance loans need at least 5% down; standard loans 3% for first time buyers.
Keep closing costs and reserves separate from the down payment you enter.
Let's talkstrategy.
Twenty minutes, no pressure. Clear next steps for buying, selling, or relocating in the Bay Area or Sacramento.