Project your home affordability 5 years out. Includes salary growth, savings plan, and home price appreciation. Free 2026 calculator.
Use the 28/36 rule. On $80K income with 3% annual raises, in 5 years you'll earn $92,800. Max housing payment: $2,164/mo. At 6.5% 30-year fixed, that's ~$380K loan. With 20% down ($76K), total house ~$456K. Factor in 4% annual home appreciation, and a $400K home today would be $487K then. Net: you can afford ~$500-550K home in 5 years on the same salary trajectory.