What house can I afford on $4,000 a month?
About $707,090
with 20% down at 6.5% over 30 years — payment includes principal, interest, property tax and insurance.
A $4,000/month all-in payment supports a home price of about $707,090 with 20% down at 6.5% over 30 years, including taxes and insurance.
Adjust the assumptions in the full calculator →What this assumes
- 20% down payment
- 6.5% interest rate, 30-year fixed
- $3,600/yr property tax and $1,500/yr home insurance
- No HOA fee
- Payment shown is full PITI (principal, interest, tax, insurance)
How the answer changes
Every figure below is computed by the same calculator that powers Mortgage Payment Calculator — change one assumption at a time.
Interest rate
| Interest rate | Answer |
|---|---|
| 5.5% | $787,092 |
| 6% | $745,278 |
| 6.5% | $707,090 |
| 7% | $671,681 |
| 7.5% | $639,172 |
Down payment
| Down payment | Answer |
|---|---|
| 5% | $595,425 |
| 10% | $628,417 |
| 15% | $665,397 |
| 20% | $707,090 |
| 25% | $754,221 |