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How Much House Can You Actually Afford? (By Salary)Affordability calculator. Find an estimate of how much mortgage or rent you can afford. Step 1 - Your desired living situation. This calculator steps you through the process of finding out how much you can borrow. Fill in the entry fields and click on the payment schedule button. How much can you afford? Use our calculator to get an estimate on your price range that fits your budget, along with mortgage details.