{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://askcalculators.com/calculator/house-affordability-calculator/schema.json",
  "title": "House Affordability Calculator inputs",
  "description": "Estimate a home price from income, debts, down payment, rate, and housing costs.",
  "type": "object",
  "properties": {
    "annualIncome": {
      "title": "Gross annual income",
      "type": "number",
      "default": 120000,
      "minimum": 1,
      "x-step": 1000,
      "multipleOf": 1000,
      "x-unit": "currency"
    },
    "monthlyDebts": {
      "title": "Other monthly debt",
      "type": "number",
      "default": 500,
      "minimum": 0,
      "x-step": 25,
      "multipleOf": 25,
      "x-unit": "currency"
    },
    "downPayment": {
      "title": "Available down payment",
      "type": "number",
      "default": 80000,
      "minimum": 0,
      "x-step": 1000,
      "multipleOf": 1000,
      "x-unit": "currency"
    },
    "annualRate": {
      "title": "Mortgage rate",
      "type": "number",
      "default": 6.5,
      "minimum": 0,
      "maximum": 25,
      "x-step": 0.05,
      "x-unit": "percent",
      "x-control": "slider-number"
    },
    "years": {
      "title": "Loan term",
      "type": "number",
      "default": 30,
      "enum": [
        15,
        20,
        30
      ],
      "x-optionLabels": {
        "15": "15 years",
        "20": "20 years",
        "30": "30 years"
      }
    },
    "maxDti": {
      "title": "Maximum total DTI",
      "type": "number",
      "default": 36,
      "minimum": 1,
      "maximum": 60,
      "x-step": 0.5,
      "x-unit": "percent"
    },
    "propertyTaxRate": {
      "title": "Annual property tax",
      "type": "number",
      "default": 1.2,
      "minimum": 0,
      "maximum": 10,
      "x-step": 0.1,
      "x-unit": "percent"
    },
    "insuranceRate": {
      "title": "Annual insurance estimate",
      "type": "number",
      "default": 0.4,
      "minimum": 0,
      "maximum": 10,
      "x-step": 0.1,
      "x-unit": "percent"
    }
  },
  "required": [
    "annualIncome",
    "monthlyDebts",
    "downPayment",
    "annualRate",
    "years",
    "maxDti"
  ],
  "additionalProperties": false,
  "x-askcalculators": {
    "version": "20.1.0",
    "calculatorUrl": "https://askcalculators.com/calculator/house-affordability-calculator/",
    "queryExample": "https://askcalculators.com/calculator/house-affordability-calculator/?annualIncome=120000&monthlyDebts=500&downPayment=80000&annualRate=6.5&years=30&maxDti=36&propertyTaxRate=1.2&insuranceRate=0.4",
    "migrationStatus": "new",
    "reviewStatus": "pending",
    "pageStatus": "live",
    "workStatus": "pending",
    "formula": {
      "expression": "Maximum housing cost = monthly income × DTI limit − other debt",
      "note": "The home price is solved from the mortgage payment factor plus estimated tax and insurance."
    },
    "quality": {
      "availability": "live",
      "technicalReviewRecord": "/reviews/house-affordability-calculator.json",
      "qualifiedReview": "pending",
      "qualifiedReviewer": null,
      "qualifiedReviewDate": null,
      "formulaVersion": "20.1.0",
      "referenceCoverage": "references-listed",
      "releaseTestScope": "Flagship reference cases are specified in scripts/test-v20-1.mjs; consult release evidence for executed results.",
      "historicalMetadataDate": "2026-08-18",
      "historicalMetadataNotice": "The imported date is not evidence of a completed human review."
    },
    "outputs": {
      "maxHomePrice": {
        "title": "Estimated maximum home price",
        "type": "number",
        "x-format": "currency",
        "x-primary": true
      },
      "maxHousingPayment": {
        "title": "Maximum monthly housing cost",
        "type": "number",
        "x-format": "currency"
      },
      "loanAmount": {
        "title": "Estimated loan amount",
        "type": "number",
        "x-format": "currency"
      },
      "principalInterest": {
        "title": "Estimated principal + interest",
        "type": "number",
        "x-format": "currency"
      },
      "taxesInsurance": {
        "title": "Estimated taxes + insurance",
        "type": "number",
        "x-format": "currency"
      }
    }
  }
}