Arizona Home Affordability Calculator

A useful affordability estimate starts with gross monthly income, monthly debts that will stay after closing, the rate you are actually being quoted, property taxes, homeowners insurance, HOA, and mortgage insurance if any.

A common conventional starting point is a 28% housing ratio and a 36% total-debt ratio. FHA often allows higher totals (around 31/43, with flexibility). VA uses residual income plus DTI, not a hard housing cap. Lender overlays can be tighter.

Arizona-specific costs matter: Maricopa property taxes are not the highest in the country, but homeowners insurance and summer utilities can surprise buyers who underwrite only principal and interest.

This page is an education frame, not the live widget yet. For a file-level number, call or text Sal at (516) 250-1334 with income, debts, and a target payment.

Educational only — not a commitment to lend. Sal Bossio Mortgage | Barrett Financial Group, LLC | NMLS #1984347 | 2701 E Insight Way, Suite 150, Chandler, AZ 85286.

Ready for real numbers? Tell me about your situation and I’ll come back with actual numbers — start here. Takes two minutes. More detail in the Sal Bossio Mortgage guide. Prefer to talk? Call or text (516) 250-1334, any day, any time. NMLS #1984347.