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. 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.