🇺🇸 Buying in United States · FHFA / Qualified Mortgage (43% DTI) & County Recorder
What can I afford in United States?
US conventional mortgages use a 43% back-end Debt-to-Income (DTI) limit and 80% LTV (to avoid PMI) over 30 years fixed; foreign national programs typically require 30%–35% downpayment.
United States Mortgage & Affordability Calculator
Maximum property price in United StatesUS$1,313,486Constrained by the 43% debt-service limit at 6.5% stress-test rate.
- Max Mortgage Loan
- US$1,050,78980% LTV (Resident)
- Required Downpayment
- US$262,69720% equity contribution
- Est. Stamp Duty & Fees
- US$32,837~2.5% · View schedule
- Est. Monthly Instalment
- US$6,867 / mo25 yrs at 6.15% p.a. benchmark
Official Open Data · FHFA HPI · US Census · County Recorders · Tracked: 100,000+
Synced: Oct 2026 · 1,200+ · VerifiedUnited States — Recorded Market Benchmarks & Open Data Bulletins
Median / sq ftUS$1,180/sq ft+3.6% YoY
Median Sale PriceUS$1.35M100,000+ Records
Median Rent & YieldUS$5,200/mo (5.1%)Gross Yield
Duty & Coverage1.5–4% Closing · FHFAVerified · 45+
| Area / Precinct | Median / sq ft | Median Rent | Yield | 12M YoY |
|---|---|---|---|---|
| Manhattan NYC | US$1,680 | US$6,400 | 4.9% | +3.2% |
| Brickell Miami | US$920 | US$4,800 | 5.9% | +6.4% |
| SoMa San Francisco | US$1,190 | US$4,900 | 4.9% | +2.8% |