Mortgage Income Calculator
Find out what income you need to qualify for any mortgage amount based on standard lender DTI guidelines.
Part of our Finance Calculators collection.
Mortgage Income Calculator
Free online calculator
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Car loans, student loans, credit card minimums
Results update automatically as you type
How to Use This Calculator
- 1
Enter all required values.
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See results instantly.
- 3
Adjust inputs to compare scenarios.
How This is Calculated
Uses 28% front-end DTI rule: Housing ≤ 28% of gross monthly income And 36% back-end DTI rule: All debt ≤ 36% of gross income Required income = max of both rules
Example Calculation
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Inputs
Result
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Results appear instantly as you enter values.
Frequently Asked Questions
How accurate is this calculator?
These are estimates. Actual figures depend on lender requirements, your credit score, and local conditions. Consult a mortgage professional for exact numbers.
Should I get pre-approved?
Yes — getting pre-approved before house hunting shows sellers you're serious and gives you a realistic budget.