Income Calculator
Pick a home price and see the annual income needed to afford it.
Advanced (override state defaults)
Net income means take-home pay after taxes and deductions; gross means before taxes. The net rule converts take-home back to a salary using 2026 federal and state income tax brackets, Social Security and Medicare, and your pre-tax retirement savings, so the answer changes by state. It assumes the standard deduction and does not model city or county income taxes, itemized deductions, or other credits. Property tax and insurance figures are state-level averages. Use the Advanced section to override. Mortgage insurance is estimated at 0.25% for loans above 80% LTV (Conventional). Estimates only, not tax advice.