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.

Financial Disclaimer

This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.

Inputs

Partner 1 Annual Gross Income ($)

Partner 2 Annual Gross Income ($)

Monthly Mortgage/Rent ($)

Annual Property Tax ($)

Annual Homeowner's Insurance ($)

Monthly HOA Dues ($)

Other Monthly Debt Payments ($)

Tab to move between fields

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

Housing Budget Surplus/Deficit$416.67

How to Use This Calculator

Enter both partners gross monthly incomes.
Input the target home price and down payment amount.
Set estimated mortgage rate and property taxes.
Review the combined debt-to-income ratio and maximum recommended home price.
Compare the ratio against lender guidelines (typically the 28/36 rule) before making an offer.

Ad Placeholder