Can I Afford This House? | HomeAffordUSA

Type a home price, your salary and select a state — property tax auto-fills. Detailed breakdown, scenarios and a recommended price based on lender rules.

Real decision engine.

State-level property tax averages are preloaded (ATTOM/Bankrate). County taxes may differ — we show the effective state rate as the baseline. Sources: Bankrate (ATTOM Data Solutions), Tax Foundation.

Quick action
Start calculation
Optional: If filled, we calculate savings from real leftover money instead of %. Tip: you can edit Property Tax % if you know a local county value. These are state effective averages. See sources below.
Why we auto-fill state taxes

Effective property tax rates vary widely by state and county. We preload **state average effective rates** so users don’t have to guess — this gives a realistic baseline for monthly ownership cost. For county-level precision we can add a county lookup (next step).

Quick KPIs
Monthly Income
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Monthly Savings
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Est. Property Tax /mo
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Assumptions:
  • 20% down default used for timeline (editable by changing job/savings)
  • Mortgage calc uses 30yr term at assumed interest 6.5% (you can change later)
  • Insurance assumed $120/mo
Results will appear here after calculation.