How Much House Can You Afford in San Diego County? Run the Payment Stress Test
Price is only part of the story. The monthly payment is what you live with. The thermometer shows how that payment compares with your income, and what happens if rates move.
- Think payment first, price second
- Common guides sit near 28 and 36 percent
- Small changes can cool a payment
Payment first, price second
Two homes with the same price can have very different monthly payments. Taxes, insurance, HOA fees, and rate all matter. That is why we look at the full payment.
The 28 and 36 guideline
Many lenders like housing costs near 28 percent of income, and total debts near 36 percent. Plenty of buyers are approved above that. Use the guide as a starting point, not a limit.
Stress test your rate
The result shows the payment today and the payment if rates rise one point. If both feel comfortable, you have room. If the higher one feels tight, you may want a lower price or a bigger down payment.
Ways to lower the payment
- A larger down payment
- A rate buydown
- A different town or home type
- A home with ADU rental income potential
- A different loan program
You may qualify for more than you think. Ask a lender, then decide what feels right for you. Try the mortgage calculator for a full breakdown.
Let's make your move simple.
Free first conversation. No pressure. Just a clear plan.
Common questions
Can I buy with less than 20 percent down?
Yes, many loans allow it. You may pay mortgage insurance, so compare the total monthly cost.
What credit score do I need?
It varies by loan type. A lender can tell you where you stand and how to improve.