DecidePlan · Home Purchase
How does existing debt affect how much house I can afford?
With $1,500/month in existing debt payments, here's how that compresses your buying power. A comfortable range is $189,000–$236,000, with a sweet spot around $236,000. Stretching goes up to $272,000; past $272,000, more spending rarely buys a better outcome.
Want your own exact number?
Use the home purchase calculatorMethodology
A deterministic model based on your answers, not AI guesswork — your financial capacity weighed against category-specific market benchmarks.
Assumptions
- Monthly payment capacityhigh impact
- Existing debthigh impact
- Down paymentmedium impact
- Interest ratemedium impact
Data Sources
Category benchmarks are sourced from named industry studies and reputable market data, refined over time.
Last Updated
2026-08 · methodology v2