---
title: "House Affordability Calculator — US 28/36 Rule, UK Income Multiples, Canada Stress Test"
description: "Calculate how much house you can afford using US 28/36 rule, UK 4.5× income multiples, Canadian stress test, or Australian serviceability standards. Free, no ads."
url: "https://worldcalculators.org/calculators/house-affordability/"
canonical: "https://worldcalculators.org/calculators/house-affordability/"
---

# House Affordability Calculator

Calculate how much house you can afford using US 28/36 rule, UK 4.5× income multiples, Canadian stress test, or Australian serviceability standards. Free, no ads.

## Quick answer

US: Monthly housing ≤28% gross income. UK: Borrow up to 4.5× annual salary. Canada: Must qualify at your rate + 2% (stress test). Australia: Must service loan at contract rate + 3%. On $90K income with 7% rates and $60K down: US allows ~$380K home.

## Sources & Methodology

Affordability is assessed differently by country: the US uses debt-to-income ratios (28/36 rule), the UK uses income multiples (around 4–4.5×), and Canada and Australia apply mandatory stress tests or serviceability buffers above the contract rate.

Source: https://worldcalculators.org/calculators/house-affordability/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.