Mortgage affordability calculator
Estimate a comfortable starting range from income, debts, housing costs, and the mortgage stress test.
Illustrative rate set by Abir: 4.49% · Updated Jul 23, 2026
Annual income before taxes.
The qualifier includes 50% of this amount.
Qualification is tested at 6.49%.
Estimated maximum home price
$764,100
A conservative planning estimate using the standard debt-service guidelines and mortgage stress test.
- Estimated mortgage
- $631,295
- Contract payment
- $3,491/mo
- Qualifying payment
- $4,225/mo
- Qualifying rate
- 6.49%
- GDS estimate
- 39.0%
- TDS estimate
- 43.0%
Payment breakdown
- Housing payment room
- $4,225/mo
- Other monthly debts
- $500/mo
How this estimate is constrained
It uses the lower of the 39% gross debt service and 44% total debt service limits, then tests the payment at the greater of 5.25% or the entered rate plus 2%.