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Calcimator

Dual Income Housing Ratio Calculator

Calculate front-end and back-end debt-to-income ratios for dual-income households. See if your housing costs meet the 28/36 rule and estimate your maximum affordable home price.

Inputs

Results

Front-End Ratio (Housing)

24.15%

Back-End Ratio (All Debt)

29.69%

Combined Gross Monthly Income$10,833.33
Total Monthly Housing Cost$2,616.67
Max Affordable Housing Payment$3,033.33
Estimated Max Home Price$413,985.00
Housing Budget Surplus/Deficit$416.67
How to Use This Calculator
  1. Enter both partners gross monthly incomes.
  2. Input the target home price and down payment amount.
  3. Set estimated mortgage rate and property taxes.
  4. Review the combined debt-to-income ratio and maximum recommended home price.
  5. Compare the ratio against lender guidelines (typically the 28/36 rule) before making an offer.

How the result changes with Monthly Mortgage/Rent ($)

Monthly Mortgage/Rent ($)Front-End Ratio (Housing)Back-End Ratio (All Debt)
10,00096.15%101.69%
35,000326.92%332.46%
65,000603.85%609.38%
90,000834.62%840.15%

What each input means

Partner 1 Annual Gross Income ($)
Partner 1's annual income before taxes.
Partner 2 Annual Gross Income ($)
Partner 2's annual income before taxes.
Monthly Mortgage/Rent ($)
Monthly mortgage principal + interest, or rent payment.
Annual Property Tax ($)
Annual property taxes (enter 0 if renting).
Annual Homeowner's Insurance ($)
Annual homeowner's or renter's insurance premium.
Monthly HOA Dues ($)
Monthly homeowners association fees, if any.
Other Monthly Debt Payments ($)
Car loans, student loans, credit card minimums, personal loans.

What each result means

Front-End Ratio (Housing)
Housing costs as % of gross income. Lenders prefer 28% or less.
Back-End Ratio (All Debt)
All debt payments as % of gross income. Lenders prefer 36% or less.
Combined Gross Monthly Income
Total household monthly income before taxes.
Total Monthly Housing Cost
Mortgage/rent + property tax + insurance + HOA (PITI).
Max Affordable Housing Payment
Maximum monthly housing cost at the 28% guideline.
Estimated Max Home Price
Rough maximum home price you could afford at 6.5% rate, 30-year term.
Housing Budget Surplus/Deficit
Positive means you're under the 28% guideline; negative means over.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Partner 1 Annual Gross Income ($) = 75000, Partner 2 Annual Gross Income ($) = 55000, Monthly Mortgage/Rent ($) = 2200, Annual Property Tax ($) = 3600 = 7 input(s) provided
  2. Calculate Front-End Ratio
    Front-End Ratio = combinedGrossMonthly > 0
    24.15 = 24.15%
  3. Calculate Back-End Ratio
    Back-End Ratio = combinedGrossMonthly > 0
    29.69 = 29.69%
  4. Calculate Combined Gross Monthly Income
    Combined Gross Monthly Income = (grossIncome1 + grossIncome2) / 12
    10833.33 = $10,833.33
  5. Calculate Total Monthly Housing Cost
    Total Monthly Housing Cost = monthlyHousing + propertyTax / 12 + insurance / 12 + hoaDues
    2616.67 = $2,616.67

Engine last updated .

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