What can you actually afford this week?
Mortgage rates move weekly, and every quarter-point changes what your income buys. This uses the current national average rate and the latest median U.S. sale price.
Down payment
Using today's 30-year fixed average of 6.95% (week of Sep 17, 2026).
A comfortable price for you
$306,000
That keeps your monthly payment near $2,217 — about 28% of your income, including estimated property tax and insurance.
| At 6.95% with 10% down | Your budget | Typical U.S. home |
|---|---|---|
| Home priceMedian: Census Bureau, Apr 1, 2026 | $306,000 | $410,700 |
| Cash needed at 10% down | $30,600 | $41,070 |
| Monthly cost | $2,217 | $2,977 |
| Share of your income | 28% | 38% |
The typical U.S. home is $104,700 above your comfortable price — it would take about 38% of your income.
Estimates only. Assumes a 30-year fixed loan at the national average rate, plus roughly 1.55% of the price a year for property tax and insurance. Your own taxes, insurance, HOA dues and credit profile will change the number.
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