Tell us about the home you're considering

We'll estimate the income required to qualify.

Sales price of the home ($):

Desired down payment (%):

Desired interest rate (%):

Property state:

Total monthly debts ($):

(Do not include rent, car insurance, cable, cell phone, or debts you plan to pay off.)

Loan term:

Results

Complete the fields above to determine the annual income you would need to qualify for a mortgage on this home. TAB or mouse-click between fields as you enter data, then click the "Calculate" button.

How accurate is this calculator?

This calculator estimates the annual income required to qualify for a mortgage by computing your full monthly housing payment (P&I + property taxes + homeowners insurance + PMI), then dividing by standard debt-to-income ratios — 45% (or 50% with 20%+ down) of gross monthly income for total housing costs plus existing debts. State-specific tax and insurance rates are applied. Actual qualifying income depends on your lender's specific guidelines, loan program (conventional vs. FHA vs. VA), credit profile, and other factors — treat this as a planning estimate, not a pre-approval.

Want to know how we come up with our numbers? Read how our estimates compare to verified lender quotes →

Income Needed Calculator