Buyer Tools

How Much House Can I Afford?

DTI-driven affordability calculator tuned for Miami-Dade buyers. Accounts for property taxes, homeowners insurance (Miami runs hot), HOA, and your existing debts. Returns your max purchase price plus a comfortable price.

Income & debts

Gross monthly income$Monthly debt payments$Cars, student loans, min credit cardDTI limit %%Conventional 43–50%

Down payment & loan

Down payment$Interest rate%Term (years)

Miami carry assumptions

Property tax rate %/yr%Miami-Dade effective ~1.05%Insurance rate %/yr%FL HO6/HO3 ~0.5–0.9%Monthly HOA$

Max purchase price

$759,234

At your 43% DTI limit (housing budget $5,650/mo)

Comfortable price

$582,335

At the 28% housing rule of thumb ($4,200/mo)

Housing budget (max)

$5,650/mo

Down payment %

19.8%

Of max price

DTI floor for max price

43%

DTI floor for comfort

28%

Want this verified with a Miami lender? Tell Ms. Meriam your situation and she'll connect you with a local broker who quotes off-market terms.