Affordability
Check your Bay Area buying power
Enter your household numbers and see an estimated price range, monthly payment and total cash needed. All values are estimates for planning, not a pre-approval.
Your numbers
Pre-filled with demo values — change them to match your situation.
Estimated home price range
$855K – $995K
Based on a 40% debt-to-income demo assumption
Estimated monthly payment
$6,633
Principal, interest, taxes, insurance, HOA
Estimated cash needed
$178,749
Down payment + ~2.5% closing + reserves
Estimate only. Demo values are placeholders and not a loan pre-approval or financial advice.
Transparency
What this calculator assumes
We show the math instead of hiding it. Real lender numbers will differ based on credit, loan program, and property.
Debt-to-income
We assume up to 40% of gross monthly income goes to housing plus existing debt.
Taxes and insurance
Estimated at about 1.55% of the purchase price per year, blended.
Loan terms
30-year fixed loan, no mortgage insurance modeled yet.
Cash needed
Down payment plus roughly 2.5% closing costs plus a small reserve.
Get the Bay Area first-home numbers each month
City price updates, assistance program changes, new construction openings, and honest notes from our own buying journey. No listings spam.