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Programmatic Affordability Database

Can I Afford a House
on My Salary?

300 combinations. 20 cities. 15 salary bands. Real bank DTI math — not estimates.
Built by FinanceRateCalc.

📍 Austin, TX

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Dallas, TX

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Houston, TX

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Miami, FL

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Tampa, FL

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Orlando, FL

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Atlanta, GA

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Charlotte, NC

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Nashville, TN

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Denver, CO

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Phoenix, AZ

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Seattle, WA

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Portland, OR

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Minneapolis, MN

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Chicago, IL

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Philadelphia, PA

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Raleigh, NC

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Las Vegas, NV

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 Salt Lake City, UT

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

📍 San Antonio, TX

$40K $50K $60K $70K $80K $90K $100K $120K $140K $160K $180K $200K $250K $300K $400K

The Denial Map →

Employer Affordability Map — Where Can You Live on Your Salary?

After a denial — no prediction, no lender pick

Denied? Four steps, from the federal record.

What the denial code means, what to ask the lender in writing, and how denial rates differ across lenders for the same program. Historical aggregates; nobody here can tell you your odds.

The Denial Map → Evidence Navigator

Buying from abroad? International buyers (Singapore, UAE, Turkey, Canada) face additional overlay layers. Some lenders require 30% down for foreign nationals.

The other half of the answer

Income tells you what you can carry. It does not tell you whether a lender will say yes — and that varies more than almost anyone realises.

1.8% – 78.7%

the range across the 100 largest FHA lenders in 2025 · national average 22.1%

And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.

The record here → Which lenders approve most → Apply to more than one? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.

The Denial Dispatch

One finding a week from the federal mortgage record.

One chart, three paragraphs, every Saturday. Measured, not assumed.

Get the Dispatch →

AI Accuracy Index The Door Effect The Denial Map Open Data About 184 Metro Gaps Evidence Navigator Hallucination Files Press Newsletter

FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.