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What can you afford in District of Columbia?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using District of Columbia's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
District of Columbia's effective property tax rate is around 0.56% of home value per year — the 15th lowest in the country. Average homeowner's insurance runs near $1,188/year on a $300,000 home — the 2nd lowest.
Comfortable
$267,626
Stretch
$333,300
Risky ceiling
$375,630
A lender would likely approve up to $375,630 on this baseline in District of Columbia — but this household's own budget, once real expenses are counted, can only sustain $333,300. That $42,330 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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