Wondering How Much Mortgage You Can Afford? Here’s How to Calculate It

Many people are aware of the financial commitment that is involved when investing in a home, but what that amounts to is different for every person. From what you can afford to what a lender will allow, there are plenty of details involved in determining the right home for you. If you’re not quite sure what the right price is, here’s how to approach home ownership and determine your debt-to-income.

Utilize the Calculators on My Website

Visit my website at www.JPCookAZRealEstate.com.  Click on ‘Buyers’ then utilize the Affordability Calculator, which will tell you how much house you can afford with your current income and expenses.  You can also utilize the Mortgage Calculator to determine how much your monthly house payment will be.

Do it Yourself:  Calculating Your Debt-To-Income Ratio

You may not know what your DTI ratio is, but it has a lot to with how much home you can afford. In order to calculate this amount, add together all the debts you owe each month and divide them by your monthly pre-tax income. For example, if your credit card is $150 and your rent is $900, your debt amount would be $1050. Divide this amount by your income, say $2500, to get 0.42. This means your DTI ratio is 0.42 or 42%.

What Your DTI Means

While a DTI in the high 20s or low 30s is good, anything that hovers above 43 percent may serve as a red flag to the lender. The lower your DTI ratio is, the more likely it is that a lender will approve your mortgage application since you’ll have the disposable income to deal with financial hurdles. If your dream home has you hovering close to this amount, it may be a sign that it’s a bit out of reach.

How Do You Want To Live?

It’s quite common to be taken over when you find your dream home and decide to commit. However, buying a home is a huge financial commitment, and if you’re buying more than you can afford it may drain your well-being over time. Instead of diving in, determine other expenses that are likely to come up in the next few years, whether it’s travel, a child or a new car. It’s important to have the home you want and budget when buying it, but you’ll still need to financial wiggle room in case something comes up.

There are a lot of factors involved in determining how much house you can afford, but by calculating your DTI ratio and being aware of your spending plans, you’ll be well on your way to an ideal price range.  Give me a call for more information – J.P. Cook – 602-320-4253.

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Sort by: Select Price, Low to High Price, High to Low Newer Listings First Older Listings First Open House Date

8037 N 7th Avenue Phoenix, AZ 85021

$5,400,000

6 Beds

6 Baths

7,200 SqFt

Status Active

MLS # 6774614

Property Type Single Family Residence

Price Type --

Miami Meets Phoenix!! With a Fashion Glare to Contemporary Lifestyle! Welcome to (Nick-Named) FontaineBleau-New Construction 2024 Just Completed! A Must See to Experience the Quintessential Essence of Sophistication. Features A True Entertainers Style w/ Ease. Starting From Your Fingertips w/a Whole House Programable (RTI) Smart System Including Multiple iPad/Remotes( Lutron, Sonos & more), Full Wolf Appliance Package w/Custom 60inch Stainless Steel Hood, SubZero Frig/Freezer, 18ft Long H2O-Fall Granite Island, 48x48 Tile Floor from Italy, 21ft Enormous Tiled Fireplace, Floating Staircase, 5 Bosh a/c Units, Under-Mount Lighting, RO & Whole House Soft H2O Drinking System, Wine Cellar, 24ft Palm Trees, Resort Style Yrd, Sparking Blue Pool, w/Sunken Fireplace, Full BBQ, & Gazebo. Tons More!!

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12232 N 65th Place Scottsdale, AZ 85254

$5,389,000

5 Beds

5.5 Baths

6,637 SqFt

Status Active

MLS # 6730125

Property Type Single Family Residence

Price Type --

Cactus Corridor Luxurious Estate with Resort-Style Amenities Experience the pinnacle of luxury and sophistication with this exquisite transitional estate, nestled on nearly an acre of beautifully landscaped grounds in the coveted Cactus Corridor. Spanning 6,637 square feet, this home seamlessly blends elegance and functionality, offering a lifestyle of unparalleled comfort and style. Upon entering, you are greeted by a thoughtfully designed layout featuring five spacious bedrooms and five and a half opulent bathrooms. The master suite is a true sanctuary, complete with a luxurious bath and his-and-her walk-in closets, providing a serene retreat. Each of the additional bedrooms also boasts walk-in closets, ensuring ample storage and privacy for every member of the house

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4568 S Banning Drive Gilbert, AZ 85297

$5,375,000

7 Beds

6.5 Baths

10,572 SqFt

Status Active

MLS # 6702319

Property Type Single Family Residence

Price Type --

SELLER FINANCING AVAILABLE! Award winning builder, Luxury Living Homes presents this incredible 10,572 Sq Ft single level estate with 2 Guest Houses in the prestigious gated community, Weston Ranch! Winning multiple awards, this property is the home builder's personal residence and showcase home with architecture inspired by Frank Lloyd Wright. This 7 bedroom, 6.5 bathroom luxury estate offers an NBA indoor basketball court, 6 car garage, detached guest house and exquisite custom finishes throughout. The custom ceiling details, over 23 imported slabs/inlay marbles/tile work, incredible kid bedrooms with play areas that inspire young minds creativity, amazing outdoor spaces including pickle ball court/sport court, and multiple engineered pools within one large pool

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4946 N Ascent Drive Scottsdale, AZ 85251

Open House

$5,360,130

4 Beds

4.5 Baths

4,394 SqFt

Status Active

MLS # 6748851

Property Type Single Family Residence

Price Type --

Designer fully Furnished Home Coming Soon! This Cullum Home is designed for that ''Lock and Leave Lifestyle''. Guests will enter into the all Glass 2 story foyer. The elevator or wood staircase will lead you to the second floor of this home. The Chefs kitchen with Custom Cabinetry, Sub Zero and Wolf appliances over look the great room with fireplace wall and large glass of windows that open onto a entertaining deck. The formal dining room with custom cabinetry temperature controlled wine wall is just opposite of the large office, den or movie theater space with sliding glass doors to the entertaining outdoors and wall water feature The two en suite guests suites accommodate King size beds and walk in closets. Both guest suites open onto the fully landscaped backyard. There is a private gate from the yard for quicker access the Mountainside Club. Guests have their own laundry and the stylish powder room complete the main floor of this home. The top floor of this easy living home is dedicated to the Primary Oasis. The large patio space with walls of glass and windows has a tiled fireplace all overlooking the incredible views of the Mountains and city lights in the distance. The Primary suite with high ceilings opens into the bath with large shower, his and hers sinks and soaking tub. Tons of natural light fill the bath with a large skylight. The Primary closet is massive with all the custom built ins. The extra bonus space can be used as another en suite bedroom, office, or work out room. There also is a Full Wet Bar and nice size laundry with plenty of extra storage. The large oversized 3 car tandem garage has epoxy flooring and pre wired for A/C. The Private elevator, outdoor spaces and with this home coming fully furnished is easy living at it's finest.

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6921 N Joshua Tree Court Paradise Valley, AZ 85253

$5,350,000

4 Beds

5 Baths

4,927 SqFt

Status Active

MLS # 6758521

Property Type Single Family Residence

Price Type --

Discover the epitome of contemporary luxury in this recently completed home nestled in Azure, the prestigious neighborhood adjacent to the Ritz-Carlton in the heart of Paradise Valley. This residence boasts breathtaking peeks of both Camelback and Mummy Mountains, offering a serene retreat with all the modern conveniences. Step inside to experience a masterfully designed interior where high-end finishes abound. The home features, exquisite natural Quartzite countertops, and top-of-the-line Gaggenau appliances. A standout feature of this home is the spacious primary suite, which is designed for ultimate relaxation. The suite offers direct access to the backyard through a stunning glass sliding wall, creating a seamless connection between your private retreat and the lush outdoor space. Additional highlights include motorized shades, custom Venetian-plastered and tiled fireplace surround, Limestone accent walls, and sophisticated Lutron lighting system. Located just a short walk from the Ritz-Carlton and the future exclusive Palmeraie shopping center, this residence offers unparalleled convenience and luxury. Experience the perfect blend of modern design and serene living in one of Paradise Valley's most sought-after locations.

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4942 N Ascent Drive Scottsdale, AZ 85251

Open House

$5,341,540

3 Beds

3.5 Baths

4,311 SqFt

Status Active

MLS # 6670447

Property Type Single Family Residence

Price Type --

FULLY FURNISHED AND TURN-KEY READY! HARMONY LUXE RETREAT LOCATED IN THE ASCENT AT THE PHOENICIAN - THE ESTATES. NEW HOME CONSTRUCTION BUILT BY CULLUM HOMES. THIS THREE-LEVEL HOME FEATURES 3 BEDROOMS, 3.5 BATHROOMS, A PRIVATE OFFICE AND A 3-CAR GARAGE. THROUGH THE EXTRAVAGANT FRONT ENTRANCE LOCATED ON THE LOWER LEVEL, A BEAUTIFUL STAIRCASE OR AN ELEVATOR TAKE YOU TO EVERY LEVEL OF THE RESIDENCE. THE MAIN LEVEL BOASTS TWO EN SUITE BEDROOMS, PRIVATE OFFICE, FORMAL DINING AREA, BUTLER'S PANTRY, OPEN CONCEPT KITCHEN, ADDITIONAL POWDER ROOM AND THE GREAT ROOM AREA. SPACIOUS KITCHEN WITH ISLAND, EAT-AT BAR AND WALK-IN PANTRY. A GLASS WALL LEADS YOU TO THE COVERED PATIO OFF THE GREAT ROOM WHERE GORGEOUS VIEWS AWAIT YOU. OWNER'S SUITE WITH WALK-IN CLOSET, DOUBLE SINK VANITY, SEPARATE TOILET ROOM, TUB AND WALK-IN SHOWER SIT ON THE TOP LEVEL. ALONG WITH A LARGE LAUNDRY ROOM WITH EXTRA STORAGE, PRIVATE OFFICE SPACE AND TWO DECKS. THE COMMUNITY IS GUARD GATED FOR PRIVACY AND SECURITY. AT THE BASE OF CAMELBACK MOUNTAIN, YOUR PRIVATE POOL, FITNESS CENTER, AND SOCIAL SPACES OFFER AN INTIMATE GATHERING PLACE FOR WELLNESS, SOCIALIZING AND RELAXATION. RESIDENTS ARE OFFERED THE OPTION TO JOIN THE PHOENICIAN® AMENITY ACCESS PROGRAM  ACCESS AND DISCOUNTS TO THE NEW ATHLETIC CLUB, 38,000 SQUARE FOOT SPA, TENNIS FACILITY AND RESORT POOLS AT THE PHOENICIAN® RESORT.

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24751 N 90th Way Scottsdale, AZ 85255

$5,326,000

3 Beds

4.5 Baths

5,326 SqFt

Status Active

MLS # 6705406

Property Type Single Family Residence

Price Type --

Discover luxury living in North Scottsdale with a NEW HOME in Solitude. Breathtaking single level retreat is simply defined as, PERFECTION with an owner that is meticulous to detail, none smoker and no pets. As you arrive to the exclusive gated community, your experience of this Desert Gem begins as you enter the home, with its enchanting spa like energy trough the breathtaking entry door with glass floor to ceiling. Entering the home you cannot miss the sliding glass doors, opening out to the breathtaking zero-edge pool with two water features and expansive covered patio & ramada offering the ultimate resort setting. The home was Designed to seamlessly blend indoor and outdoor contemporary luxury living, the great room features a custom fireplace with a chiseled black tile surround No detail was left out even the roof eves done with matching the interior tongue-and-groove Alder. The gourmet kitchen boasts two sprawling white marble islands with waterfall effect, Wolf commercial range, separate Subzero refrigerator/ freezer/ ice maker and Asko dishwasher looking out to the entertainers dream Great room with bookend floor to ceiling Valhalla Quartzite Leathered fireplace and resort back yard. The primary suite is a private haven with views of beautiful pool and water features, a custom tiled fireplace, and on suite with fully tiled walk-in steam shower. The secondary oversized bedrooms include two generous ensuite bathrooms, a bonus flex/media room, and a laundry room with hair sink. Outdoors, indulge in a zero-edge pool, back fire wall, firepit, bocce ball court, and fully covered ramada with bathroom, Misters, ceiling fans, built in heaters and fully equipped built-in BBQ area with a pop-up TV that hides away! This residence is a meticulously crafted haven, where every detail enhances the Contemporary luxurious lifestyle offered in the heart of 85255.

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9290 E Thompson Peak Parkway Unit 493 Scottsdale, AZ 85255

$5,300,000

5 Beds

6.5 Baths

7,138 SqFt

Status Active

MLS # 6774780

Property Type Single Family Residence

Price Type --

Incredible Bing Hu design masterpiece at the top of the curve in DC Ranch. This almost 1.4 acre elevated lot captures all the views that DC Ranch can provide. Mountains views, City lights and more. The entry experience takes your breath away. Large formal spaces intertwine and seamlessly create the perfect entertainers dream. As you enter the kitchen, the magic continues. Plenty of counter work space adjacent to a cozy family eating area and family room, More than just a split floor plan, this home boasts 3 very separate living spaces. Ideally situated for children, extended family or just extra quiet retreats. Outside living spaces continue to delight. Large turf area leads to a stunning pool and lounging area.

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6901 E Restin Road Carefree, AZ 85377

$5,299,000

4 Beds

5.5 Baths

7,162 SqFt

Status Active

MLS # 6708852

Property Type Single Family Residence

Price Type --

Mind blowing residence with a guest house in popular Carefree! This gem sits on a 2.5-acre corner lot with unparalleled views of The Boulders Golf Course and valley mountains. Enter this lovely home on a large paver driveway & gorgeous landscaping. 3-car garage with epoxy floor. Enter into great room to discover sheer beauty & astonishing detail throughout! The remodeled interior boasts a large great room with glass walls & a WOW view of the backyard, The Boulders golf course & mountains. The clean lines give a modern look and feel with subtle sophistication. Stone floors & walls, wood-burning fireplace, recessed lighting, pre-wired surround sound, and abundant natural light can't be left unsaid. Impressive kitchen is a dream for any cooking enthusiast! Don't miss this opportunity!

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37200 N School House Road Cave Creek, AZ 85331

$5,295,400

4 Beds

4.5 Baths

4,503 SqFt

Status Active

MLS # 6634118

Property Type Single Family Residence

Price Type --

'Pre Construction Offering, a signature 'Mountainside Gated Enclave' of Contemporary Estate Residences by Mosaic Luxury Homes. Pure privacy, nestled into the upslope of Black Mountain at over 2500 elevation, this 4503 sq. ft. Desert Modern Home is architecturally stunning and features over 3200 sq. ft. main level living. Fabulous Great Room with expansive covered veranda, temp controlled glass enclosed wine room, luxurious Owner's Suite, elevator lift and the most incredible 270 degree views. The lower level Guest Home has separate entrance, kitchen living room, large Jr. Suite and charming private patio. Mosaic Luxury Homes offers elegant owners suites, chef inspired kitchens, designer garages, resort outdoor living and superior design and craftsmanship.

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39601 N Ocotillo Ridge Drive Carefree, AZ 85377

$5,275,000

5 Beds

7 Baths

7,783 SqFt

Status Active

MLS # 6620894

Property Type Single Family Residence

Price Type --

Introducing the epitome of quiet luxury at this formidable estate on 5 acres of private land. Behind the gates at the pristine Ocotillo Ridge Estates in Carefree. Every inch of this 7,783 sq. ft. estate has been meticulously maintained and crafted with an array of upgrades and emphasis on the modern hacienda style. Exceptional finishes include hickory hardwood & slate floors, wood beams, custom cabinetry, Cantera stone fireplaces, tongue and groove wood ceilings, and hand-crafted tiles throughout the home. Upon entry, the pure elegance of the great room with the accordion doors opening to the infinity edge pool and the breathtaking mountain vistas and sunsets will amaze you every time. Well-appointed top-of-the-line gourmet kitchen. An impressive wet bar for entertaining & picturesque... views. A generous primary suite retreat with a sitting area, luxurious bath, oversized custom closet, and an exercise room. Three additional en-suites with their own patio access and separate office. Paver drive and motor court. Oversized four-car garage. Back to the enchanting courtyard, you can head to the quaint guest house that oozes the local town's flair. Your guests will have the best time at this inviting casita. Romantic outdoor spaces include 2000+/- sf of deep-covered paver patios and 1000+/- sf of elevated open dining/relaxing deck with Cantera fireplace and BBQ. There are endless, unobstructed views in every direction and every room. The setting is every bit as spectacular as the home itself. There are miles of quiet hiking and biking trails. Unequaled privacy and tranquility await you at this resort-like sanctuary. Yet, you are minutes (three miles) from the quaint, charming old towns of Cave Creek and Carefree. This property also presents a unique opportunity for seller financing and is available turnkey through a separate bill of saleeffortlessly inviting you to start your new chapter without delay.

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4802 N 46th Street Phoenix, AZ 85018

$5,250,000

4 Beds

3.5 Baths

4,996 SqFt

Status Active

MLS # 6737378

Property Type Single Family Residence

Price Type --

This extraordinary home is sure to impress even the most discriminating buyer. From the moment you arrive, you'll revel over the curb appeal, and the architectural excellence and designer flare can't be beat. The home is a beautiful combination of elegance and comfort, and perfectly couples fresh modern elements with the highly coveted cottage style. The fabulous island kitchen has top of the line appliances, two sinks, custom cabinetry and plenty of room to prep and serve, the exceptional great room has vaulted ceilings with custom wood beams, a statement fireplace with an exposed brick surround, a restaurant style wet bar that calls for seamless entertaining, and fully automated doors open to beautiful outdoor living spaces that heighten the home's allure. The spacious dining room is great for formal gatherings, the den is a lovely space to curl up with a book or watch a movie with the family, the private home office can easily double as a play room, and all the bedrooms are ensuite including a magnificent primary hideaway with a spectacular bath. Every room is loaded with character and upscale finishes including wide plank wood flooring, marble, pristine tile accents, exceptional millwork, designer lighting and so much more. The half acre lot features multiple covered patios, a ramada with a full outdoor kitchen, fireplace and seating area, a stunning pool and spa and even a putting green. The oversized area of the 3rd garage is being used as a full home gym which is a great option. This phenomenal residence sits on a fantastic lot and the location can't be beat!

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