Skip to main content
Amanda Sweetz, REALTOR® Keller Williams Realty of the Palm Beaches
Amanda Sweetz, REALTOR — Palm Beach County
Interactive Tool · Palm Beach County

How much home can you actually afford?

Enter your income, monthly debts, and down payment. See the highest home price whose full Florida monthly payment — loan, property tax, insurance, HOA, and CDD — still fits a comfortable share of your income.

Find my price range ↓

The price a lender's headline number suggests and the price that feels comfortable are often two different things — especially in Florida.

Most affordability tools stop at the loan payment. Here, property tax, homeowners insurance, HOA dues, and CDD assessments all count against your budget, because they count against it in real life. You choose how much of your income you want housing to take up, and the calculator works backward to a price.

It won't ask for your name or your email, and nothing you enter is saved or sent anywhere. Just numbers in, an estimate out.

Your numbers

These are example numbers — replace them with yours.

Income & debts
$
$
$
Comfort level
How much of your income should go to housing?

The first number is the most your total housing payment should be of your gross monthly income. The second is the most your housing payment plus your other debts should be. These are common rules of thumb, not any lender's approval limits.

Loan
Loan term
%
Florida costs
%
$
$
$
%
Estimated Maximum Home Price
—
Monthly payment at this price
  • Principal & interest $0
  • Property tax $0
  • Homeowners insurance $0
  • HOA dues $0
  • CDD assessment $0
  • PMI $0
  • Total housing payment $0
Loan amount: $0
Down payment: 0% of price
Housing payment: 0% of gross income
Housing + other debts: 0% of gross income
Same numbers, other comfort levels
Conservative —
Moderate —
Stretch —
See this price in the mortgage calculator →
Estimate only — not a loan offer, pre-approval, or commitment to lend. Lenders also weigh your credit, employment, reserves, and loan program, and closing costs and cash reserves come on top of the price. Amanda Sweetz is a licensed Florida real estate agent, not a mortgage lender — confirm real figures with a licensed lender before you budget.

Nothing you enter here is saved, submitted, or sent anywhere. Every calculation happens in your browser.

Ready to turn a number into a search?

Amanda can help you pull real tax and insurance figures for specific homes, and connect you with a lender for an actual pre-approval — no pressure, just clarity.

Book a Consultation

Or call (561) 406-4557 · amandasweetz@kw.com

Common questions

It uses two common debt-to-income limits. The first caps your total monthly housing payment at a share of your gross monthly income. The second caps your housing payment plus your other monthly debts. The calculator applies whichever limit is lower, then works backward to the highest home price whose full monthly payment fits under it.
No. This is an estimate, not a pre-approval. Lenders also look at your credit, employment history, cash reserves, and the loan program you choose, and their limits can be higher or lower than the ones used here. A lender can give you a real number.
In Florida they can add hundreds of dollars a month, and leaving them out makes the result look higher than it really is. Look up the property's tax rate at the Palm Beach County Property Appraiser (pbcpao.gov) — a new buyer's taxable value can reset higher after a sale — and get an actual insurance quote, since premiums vary by flood zone, roof age, and construction type.
HOA dues are paid to a homeowners association. A Community Development District (CDD) assessment is a separate charge in many newer Palm Beach County communities that pays for infrastructure like roads and amenities. Both count toward your monthly housing payment, and CDD is often not obvious in the listing price.
No. Every calculation happens in your browser. Nothing you enter here is submitted, stored, or sent to Amanda or anyone else.
The maximum is a ceiling, not a target. Closing costs, moving costs, and cash reserves come on top of the purchase price, and a higher debt-to-income ratio leaves less room for surprises. Talk with a licensed lender about the monthly payment you would be comfortable with.

Want the full payment breakdown for a specific price? Use the Florida mortgage calculator. For the county-wide market picture, see the monthly Palm Beach County market guide.

This calculator is for general informational purposes only and does not constitute financial, tax, or legal advice. It is not a loan offer, pre-approval, or commitment to lend. Amanda Sweetz is a licensed Florida real estate agent, not a mortgage lender.