Affordability Studio
Is this comfortable for me?
Not “how big a loan can I get” — what a home costs in real life here, and whether it leaves room for the rest of your budget. Every input stays on your device.
You can comfortably afford
with $97,240 down · 20%
about $3,596/mo all-in, real-life cost
Comfort budget $3,596/mo · how we compute this
A typical lender would approve up to ≈ $1,034,404 — they check your paycheck, not your whole budget. Your comfort price is $486,199.
≈ $104,017 – $108,751
Total transfer/recording tax $3,306: buyer's customary share $0, seller's customary share $3,306. San Francisco transfer tax: $3,306 (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
$486,199Comfort gauge
This looks comfortable against the published residual-income baseline.
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.
Insurers price these risks address by address, so estimates run widest here. Compare real quotesSponsored
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.
Make these numbers real
SponsoredThe insurance line above ($467–$1,036/yr) is modeled from state averages and your county’s risk. The only way to know your real number is a quote for the actual address.
Compare homeowners insurance quotesWe may earn a fee if you get a quote through this link. It never changes the numbers above.