How much house can you afford on a $65,000 salary?

Baseline assumptions

Take-home pay (estimated)

$4,225/mo — an illustrative 78% of gross, not a tax calculation

Other debt payments

$450/mo

Living expenses

$2,750/mo — childcare $1,200, healthcare $200, groceries $700, transport $450, other $200

Down payment

$30,000

Loan

30-year fixed at 6.89% (740-759 credit; static rate as of 2026-09-10)

Property tax & insurance

Texas rates, as a default reference point

Every assumption is editable — the full calculator opens pre-filled with these exact numbers.

A lender would likely approve up to $231,514 on this income — but this household's own budget, once real expenses are counted, can only sustain $123,856. That $107,658 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.