How much house can I afford?
Find the maximum home price you can finance based on your income or the payment you want, and instantly see which properties fit your budget.
Maximum home price
- Estimated monthly payment
- Maximum payment you can afford
Your saved down payment caps the price: with more saved for the down payment you could buy more.
With these figures the available payment is zero. Reduce your debts or increase your income to see your buying power.
See properties within your budget1 USD ≈
What you take home each month after deductions.
Loan and card payments you already make.
What you can put toward housing each month.
How much you have saved for the down payment. Leave it at zero and it won't cap the price.
Reference rate (market average); adjust it to your case.
Reference estimate; not a credit offer. Your real buying power depends on each lender's assessment.
Frequently asked questions
How is how much I can afford calculated?
In Income mode we take a share of your net income (minus your debts) as the maximum payment; in Payment mode we use the payment you enter directly. From that payment, the rate and the term we compute the maximum loan and, adding the down payment, the home price you can finance.
What share of income do you use?
We use around 35% of net income as the ceiling for the housing payment, a common range for lenders in Costa Rica. Each bank applies its own policies.
What is the saved down payment for?
The down payment is the up-front amount you pay yourself. If you enter how much you have saved, we adjust the maximum price so it doesn't exceed what your down payment can cover.
Still not sure if buying or renting makes more sense? Rent or buy? →