How much house can I afford on a $80,000 salary?
December 11, 2025
Comparisons
There are a lot of opinions on how this should look, so I'll give a few scenarios with estimates.
There's the lender's max approval. This is the lender viewpoint based on a 49.99% debt to income ratio and assuming no other monthly debts.
There's the Dave Ramsey 25 percent of net take home income rule.
And then there's somewhere in the middle, with 30 percent of your gross income.
This is assuming a 5 percent down payment and a 0.25 percent mortgage insurance factor for a conventional loan and zero other debt.
This also factors in state by state differences in property taxes and homeowners insurance. States with higher escrow payments will see a lower maximum purchase amount.
Below are the tables for an $80,000 salary.
part one lender max
State Lender Max AL $468,300 AK $453,495 AZ $476,161 AR $452,647 CA $469,603 CO $464,732 CT $415,093 DE $477,532 FL $415,873 GA $435,147 HI $500,732 ID $480,848 IL $399,463 IN $450,888 IA $426,916 KS $410,403 KY $446,688 LA $385,901 ME $459,983 MD $458,471 MA $442,396 MI $428,125 MN $439,013 MS $436,107 MO $435,625 MT $446,623 NE $408,812 NV $474,088 NH $439,723 NJ $411,957 NM $455,905 NY $420,972 NC $452,793 ND $443,896 OH $420,497 OK $381,037 OR $459,423 PA $429,195 RI $435,423 SC $438,003 SD $440,817 TN $457,701 TX $359,857 UT $474,191 VT $435,739 VA $459,892 WA $461,797 WV $469,892 WI $441,112 WY $465,375
part two: 25% net income (Dave Ramsey's rule)
State 25% Net AL $148,456 AK $153,967 AZ $155,907 AR $137,639 CA $160,823 CO $147,324 CT $138,443 DE $162,128 FL $113,080 GA $130,877 HI $176,320 ID $161,820 IL $129,972 IN $148,093 IA $141,091 KS $121,604 KY $140,180 LA $74,038 ME $155,713 MD $153,832 MA $143,941 MI $135,267 MN $140,557 MS $124,244 MO $132,464 MT $143,461 NE $126,537 NV $156,680 NH $150,589 NJ $135,307 NM $144,044 NY $138,697 NC $140,151 ND $145,797 OH $138,541 OK $82,937 OR $155,524 PA $142,713 RI $138,033 SC $127,303 SD $143,428 TN $138,673 TX $69,043 UT $159,580 VT $147,939 VA $153,385 WA $156,786 WV $152,888 WI $147,564 WY $149,971
part three: 30% gross income (somewhere in between)
State 30% Gross AL $263,636 AK $261,832 AZ $271,236 AR $251,077 CA $272,019 CO $261,628 CT $238,070 DE $275,709 FL $222,120 GA $240,450 HI $293,145 ID $276,707 IL $227,020 IN $257,135 IA $244,021 KS $225,604 KY $250,559 LA $186,345 ME $265,285 MD $263,537 MA $251,420 MI $240,730 MN $248,036 MS $236,551 MO $241,636 MT $252,635 NE $228,188 NV $271,050 NH $254,711 NJ $234,933 NM $256,349 NY $240,349 NC $252,737 ND $253,147 OH $240,077 OK $190,288 OR $264,963 PA $245,880 RI $245,128 SC $239,190 SD $250,521 TN $253,560 TX $173,769 UT $272,876 VT $251,580 VA $263,763 WA $266,625 WV $267,045 WI $253,276 WY $263,552
part four: All three side by side
State Lender Max 30% Gross 25% Net AL $468,300 $263,636 $148,456 AK $453,495 $261,832 $153,967 AZ $476,161 $271,236 $155,907 AR $452,647 $251,077 $137,639 CA $469,603 $272,019 $160,823 CO $464,732 $261,628 $147,324 CT $415,093 $238,070 $138,443 DE $477,532 $275,709 $162,128 FL $415,873 $222,120 $113,080 GA $435,147 $240,450 $130,877 HI $500,732 $293,145 $176,320 ID $480,848 $276,707 $161,820 IL $399,463 $227,020 $129,972 IN $450,888 $257,135 $148,093 IA $426,916 $244,021 $141,091 KS $410,403 $225,604 $121,604 KY $446,688 $250,559 $140,180 LA $385,901 $186,345 $74,038 ME $459,983 $265,285 $155,713 MD $458,471 $263,537 $153,832 MA $442,396 $251,420 $143,941 MI $428,125 $240,730 $135,267 MN $439,013 $248,036 $140,557 MS $436,107 $236,551 $124,244 MO $435,625 $241,636 $132,464 MT $446,623 $252,635 $143,461 NE $408,812 $228,188 $126,537 NV $474,088 $271,050 $156,680 NH $439,723 $254,711 $150,589 NJ $411,957 $234,933 $135,307 NM $455,905 $256,349 $144,044 NY $420,972 $240,349 $138,697 NC $452,793 $252,737 $140,151 ND $443,896 $253,147 $145,797 OH $420,497 $240,077 $138,541 OK $381,037 $190,288 $82,937 OR $459,423 $264,963 $155,524 PA $429,195 $245,880 $142,713 RI $435,423 $245,128 $138,033 SC $438,003 $239,190 $127,303 SD $440,817 $250,521 $143,428 TN $457,701 $253,560 $138,673 TX $359,857 $173,769 $69,043 UT $474,191 $272,876 $159,580 VT $435,739 $251,580 $147,939 VA $459,892 $263,763 $153,385 WA $461,797 $266,625 $156,786 WV $469,892 $267,045 $152,888 WI $441,112 $253,276 $147,564 WY $465,375 $263,552 $149,971
Hopefully this helps!