ES

Idioma

Buscar
CostAnswer

Explorar

Idioma

MetodologíaAcerca de

Calculadora · EE. UU.

¿Puedo pagar esta vivienda?

Compara una vivienda con tu sueldo neto, tus deudas y tus gastos.

Tus datos

¿Puedo pagar esta vivienda?

Compara una vivienda con tu sueldo neto, tus deudas y tus gastos.
FREDDIE MAC PMMS

30-year 6.95% · 15-year 6.26%National weekly average · survey week of Sep 17, 2026

$Después de impuestos. No es el sueldo bruto.
$Car loans, student loans, cards
$Food, transport, childcare, and the rest
$
$
%National weekly average. Type a quote to replace it.
Taxes, insurance, HOA and upkeep

Every one has a working default. Filling them in gives the payment a lender would quote.

$Opcional
$Enter an annual quote or planning estimate
$Opcional
% / añoShare of the home price. 1% is a planning default.
%Share of the price, on top of the down payment

Use the Insurance Cost Calculator to prepare an annual homeowners budget, then enter that amount above. Replace it with a carrier quote when available.

This house looks

Risky35% of take-home would go to housing
INCOMPLETE

No property tax or home insurance enteredThe monthly housing figure below leaves those costs out. A real payment will be higher.

Modeled monthly housing cost$2,451.56P&I plus the tax, insurance, HOA, PMI, and repair figures used
6-month emergency fund$29,109Housing, debts, and other expenses
Cash to close$92,000Down payment plus closing-cost rate
Precio de vivienda dentro del presupuestoabout $306,000Our guideline: ≤ 25% of take-home
This house$400,00080% loan-to-value
Above comfortableabout $94,000Versus the comfortable price

Housing, debts, or leftover cash is outside the stretch caps. A lender might still say yes. This screen would not call it safe.

Cut the price by $94,135 to reach the comfortable band with this down payment.

Or raise the down payment by $105,986 and keep this price.

What if things go wrong?
  • Rate +1 pointA higher quote before closing; an existing fixed rate stays fixed+$218.67
  • Property tax +15%No tax was entered, so this line stays $0+$0.00
  • $8,000 repairIf a 6-month essential-cost reserve was already funded4.4 months left
  • Take-home pay −20%Housing cost held constant43.8% of pay
Cómo lo calculamos
  1. Modeled monthly housing cost$2,118.23 P&I + tax, insurance, HOA, PMI, and repairs$2,451.57
  2. Share of take-home$7,000.00 take-home this month35%
  3. Comfortable home priceCut the price by $94,135 or raise the down payment by $105,986.$305,865
  4. This house vs comfortableAbove the comfortable price$94,135
Supuestos del cálculo
  • This is a planning screen, not a lender approval, a quote, or advice to buy or not buy.
  • Take-home pay is used on purpose. The classic 28/36 mortgage rules are based on gross pay and would look looser.
  • Comfortable means housing stays at or under 25% of take-home, housing plus listed debts at or under 33%, and at least 20% left after housing, debts, and the other expenses you typed.
  • Stretch is still inside 32% housing and 40% debts. Above that, or if the leftover is too thin, the screen is Risky.
  • The default interest rate is a national weekly average. Local quotes, credit, points, and fees differ.
  • Taxes, insurance, and HOA dues are only the amounts you type. They are not looked up by ZIP or county.
  • PMI is omitted. Typical conventional loans require it when the down payment is under 20%.
  • Repairs use 1% of the home price per year. That is a planning default, not a contractor bid.
  • Closing costs use 3% of the price plus the down payment. Shop a loan estimate for the real cash to close.
  • The stress cases are hypothetical: rate +1 point, property tax +15%, an $8,000 repair against a 6-month essential-cost reserve, and take-home pay −20%.
Detalles técnicos

Method home-affordability-v1.0.0Data freddie-mac-pmms-2026-09-17-v1

¿Discrepancia en los números? Puedes hacer clic en Informar de un resultado incorrecto abajo o escribir a hello@costanswer.com con las líneas de Método y Datos.

Guía

Cómo determinamos “¿qué vivienda puedo pagar?”

CostAnswer editorialIndependent calculator publisher

CostAnswer compara el pago mensual de la vivienda con tus ingresos netos en mano (take-home pay), o calcula en sentido inverso el precio de compra adecuado según tres rangos: cómodo, ajustado o agresivo. Estos márgenes son pautas de planificación personal, no una decisión vinculante de un analista hipotecario.

Ingresos netos en lugar de la regla tradicional 28/36 sobre bruto

Las reglas clásicas bancarias suelen evaluar el ingreso bruto. Esta herramienta prioriza tu sueldo neto real, ya que es el dinero disponible en tu cuenta con el que realmente pagas la hipoteca, los impuestos, los seguros y tus restantes compromisos cotidianos.

Los rangos "Cómodo", "Ajustado" y "Agresivo" son umbrales de referencia basados en el porcentaje de tus ingresos netos. Un banco podría aprobar un préstamo que aquí calificamos como agresivo, o rechazar uno cómodo por factores como historial de crédito o reservas que quedan fuera de este modelo.

Elementos que componen la mensualidad

El costo de la vivienda integra capital e intereses calculados con la misma fórmula hipotecaria amortizable, sumando los impuestos de propiedad, seguro, cuotas de HOA y pagos de deudas personales que declares.

Preguntas frecuentes sobre esta calculadora

¿Qué porcentaje del sueldo neto se aconseja destinar a la vivienda?

La recomendación habitual de presupuesto cómodo sitúa el gasto total de vivienda (hipoteca, impuestos, seguro y HOA) por debajo del 28% al 30% de tus ingresos netos en mano. Superar el 35% a 40% suele considerarse un presupuesto ajustado o agresivo.

¿Cómo influyen mis deudas mensuales existentes?

Préstamos de auto, tarjetas de crédito y préstamos estudiantiles reducen la cantidad mensual libre para pagar la vivienda. Los prestamistas analizan tu relación deuda-ingreso (DTI) total antes de aprobar la hipoteca.

Términos utilizados

DTI (Debt-to-Income Ratio)
Relación deuda-ingreso: porcentaje de tus ingresos brutos o netos que se destina al pago mensual de deudas obligatorias.
Presupuesto cómodo
Rango de costo de vivienda que deja suficiente margen mensual para ahorro, emergencias y gastos habituales sin estrés financiero.

Consejos prácticos

Sé realista con los gastos de mantenimiento y reparación: planifica reservar entre el 1% y 2% del valor de la propiedad al año para imprevistos.

No agotes todos tus ahorros en el pago inicial; reserva un fondo de emergencia para cubrir al menos 3 a 6 meses de pagos hipotecarios.

Límites y advertencias

Los resultados son orientativos y no garantizan la aprobación de un crédito hipotecario.

Los resultados son meramente informativos. No constituyen asesoramiento legal, fiscal, médico ni financiero. Cómo mantenemos los cálculos · Informar de una cifra incorrecta.

Notas del cálculo

Detalles sobre redondeos, versiones y límites del cálculo.

  • Modeled monthly housing cost. Principal and interest use the same fixed-rate formula as the mortgage-payment tool. Property tax, insurance, and HOA are only what you type, so leaving them blank leaves them out of the total rather than making them zero. PMI is an optional flat 0.5% of the loan per year when the down payment is under 20%. Repairs use the yearly percent you enter, defaulting to 1% of the price.
  • Comfortable, stretch, risky. Comfortable keeps housing at or under 25% of take-home, housing plus the debts you listed at or under 33%, and at least 20% left after housing, debts, and other expenses. Stretch still fits 32% housing and 40% debts. Above that, or if leftover cash is too thin, the screen is Risky. These caps are for take-home pay. They are stricter than the classic 28/36 rules, which use gross pay.
  • Stress cases and the path back. The shock lines reprice the same loan at +1 rate point, raise typed property tax 15%, spend $8,000 from a 6-month essential-cost reserve, and cut take-home 20%. The comfortable home price is the inverse of the same payment math. A suggested price cut or extra down payment is the smallest whole-dollar change that lands back in the comfortable band.

Datos del cálculo

De dónde sale cada cifra

The arithmetic is decided by your inputs. Official data only supplies a starting value, and anything you type replaces it.

OBSERVEDFreddie Mac PMMS · Sep 17, 2026
Only a starting value. A figure from your own bill or quote replaces it and is used instead.
MODELEDThe affordability bands
Comfortable, reasonable and stretched are CostAnswer thresholds on housing and total-debt ratios. They are not a lender’s underwriting rule and no lender has agreed to them.
USER ENTEREDA figure you enter
A figure you typed. It replaces our default and is used exactly as given.

Fuentes

De dónde vienen los datos

Freddie Mac PMMSSource: Freddie Mac Primary Mortgage Market Survey (PMMS), national weekly averages for 30-year and 15-year fixed-rate mortgages. Snapshot freddie-mac-pmms-2026-09-17-v1.Freddie Mac · Sep 17, 2026 ↗Consumer Financial Protection BureauHow mortgage payments, DTI, and PMI work. This tool does not apply CFPB’s gross-pay 28/36 rule as a pass/fail.Official guidance ↗

A continuación

People working through pay and take-home and buying a home usually need these next.

DineroCuota de hipotecaCalcula capital, intereses y gastos de vivienda con tus datos.DineroLímite de préstamo hipotecarioConsulta el límite oficial aplicable por ubicación y número de viviendas.DineroDe paga por hora a salario anualCalcula el sueldo bruto semanal, mensual y anual con tus horas y semanas pagadas.DineroComparar el costo de vidaCompara ingresos, vivienda y precios entre dos lugares de Estados Unidos.DineroSalario después de impuestosConvierte un sueldo anual en ingreso neto federal, estatal y FICA.DineroSueldo neto después de impuestosEstima tu nómina después de impuestos federales, estatales y FICA.