← Home
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
🏦 Ask Zai for Your Exact Numbers →
🏢
New
Employer Affordability Map — Where Can You Live on Your Salary?
Free Analysis — No SSN Required
Not sure if you'll get approved?

Affordability is only half the picture. The other half is the door: observed FHA denial rates ranged from 1.8% to 78.7% across the 100 largest lenders in 2025. Ask Zai to analyze your situ

Talk to Zai — Free → Decode a Denial Letter →
What does this mean? →
Buying from abroad? International buyers (Singapore, UAE, Turkey, Canada) face additional overlay layers. Some lenders require 30% down for foreign nationals. Ask Zai which lenders accept international profiles — free analysis →
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 Press Newsletter
FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.