Affordability Studio
Is this comfortable for me?
Not “how big a loan can I get” — what a home costs in real life here: real property-tax rates for your county, insurance scaled to local risk, and whether it leaves room for the rest of your budget. The financial details you type stay on your device.
You can comfortably afford
with $95,841 down · 20%
about $3,600/mo all-in, real-life cost
Comfort budget $3,600/mo · how we compute this
A typical lender could approve up to ≈ $1,028,819 based on standard qualifying math. Your comfort price is $479,207.
≈ $102,700 – $107,492
Total transfer/recording tax $3,259: buyer's customary share $0, seller's customary share $3,259. San Francisco transfer tax: $3,259 (seller-paid). Custom varies: seller customarily pays in Northern CA; negotiated in Southern CA. Many cities (SF, LA, Oakland, Berkeley) levy additional or replacement city transfer taxes.
Explore the price
$479,207Comfort gauge
This leaves real breathing room after the house, your debts, and everyday spending.
Where your paycheck goes
Monthly payment
Local assumptions
High earthquake risk — standard policies exclude quake damage; separate coverage is extra.
Notable flood risk — standard policies don't cover flood; check the address's flood zone and consider a separate policy.
Tax, insurance, and risk data are real (Census, NAIC, FEMA); the utilities estimate is still a placeholder. All of it is an estimate, not a quote — see how we source everything.
Milestones
Shared links keep your income out of the URL’s query string.