How much house can I afford in California?
Enter your income, debts and down payment to see an estimated price, and whether it fits your county's loan limit.
Estimates only, based on the numbers you enter. Not an offer of credit or a loan approval.
How affordability is figured
Lenders size your loan by your debt-to-income ratio: the new house payment plus your other debts, compared to your income.
Pick your county to see whether the loan fits under its 2026 conforming limit or would be a jumbo loan.
Good to know
How much house can I afford in California?
It depends on your income, debts, down payment and the loan program. This calculator uses a debt-to-income limit, which lenders use to size your loan.
What is debt-to-income?
Your monthly debts, including the new house payment, divided by your monthly income before taxes.
What is the property tax rate in California?
Under Proposition 13 the base rate is 1% of the purchase price, plus local assessments and bonds that vary by area.
What if my loan is above the county limit?
That's a jumbo loan. We shop jumbo loans with 130+ lenders too.
Does checking my options hurt my credit?
No. We start with one soft credit pull, which doesn't affect your score.