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

4550 N 192nd Drive Litchfield Park, AZ 85340

New

$899,000

4 Beds

3 Baths

2,766 SqFt

Status Active

MLS # 6783289

Property Type Single Family Residence

Price Type --

BRAND NEW Construction w/ Custom-Quality Upgrades throughout! This beautiful Modern Farmhouse is located on 1 ACRE of Horse Property. Gourmet Kitchen w/ high-end Cabinets w/ 42'' uppers, White Quartz Countertops, 36'' Cooktop, Built-in Stainless-Steel Microwave Drawer, WOLF GAS Oven/Cooktop & Wood Plank Tile Floors. Stunning Master Bathroom w/ Freestanding Soaking Tub, BEACH ENTRY Glass Shower & Double Vanities. Exceptional Energy Efficient - boasting Spray Foam Insulation, Premium Trane AC units & High-end windows. Superior Construction & Craftmanship includes Premium Roofing System, Premium Synthetic Stucco & much more! $5,000 to Buyer at Close of Escrow which shall be used towards Buyer installing a water filtration system. MOVE IN ready around April/May.

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5 Apache County Road 3565 Road Vernon, AZ 85940

$899,000

4 Beds

2.5 Baths

2,823 SqFt

Status Active

MLS # 6643667

Property Type Single Family Residence

Price Type --

This gorgeous custom home on 2.5 acres is nestled in an incredible location. It has privacy, yet still close to town. It's also only 750 yards away from Sponseller Lake! Perhaps the best part is the wildlife preserver bordering the west side of the property. This ensures no vehicle access to the public behind your property! The home features a gourmet kitchen with custom cabinets, wood work, and an expansive open pantry. Enjoy the beautiful, laminate vinyl plank flooring, complimented by the super cozy fireplace. It comes with a tankless hot water heater that will surely come in handy on cold winter days. Step outside to a delightful back patio, where you can enjoy meals with a fantastic view. With 2.5 acres at your disposal, this home is a prized gem!

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26634 S 169th Place Queen Creek, AZ 85142

Open House

$899,000

4 Beds

3 Baths

2,766 SqFt

Status Active

MLS # 6723689

Property Type Single Family Residence

Price Type --

MOVE in TODAY! STOP by our PREEMINENT QC location! FENCED YARD w/ FRONT YARD LANDSCAPING - NO HOA. Stunning Farmhouse home including: Gourmet Kitchen featuring: WATERFALL QUARTZ Countertop edge on Island, High-end double stacked cabinets, WOLF appliances, & Wood Plank Tile Floors. Great room w/ Electric FIREPLACE Wall made with Basalt Tile. Stunning Master Bathroom: Freestanding Soaking Tub, BEACH Entry Glass Shower w/ Accent Wall & Beautiful Double Vanities. Exceptional Energy Efficient - boasting Spray Foam Insulation, Premium Trane 14 seer AC units & High-end Windows. Premium Roofing System, Premium Synthetic Stucco & more!

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12670 W Bajada Road Peoria, AZ 85383

$899,000

2 Beds

2.5 Baths

2,610 SqFt

Status Active

MLS # 6739574

Property Type Single Family Residence

Price Type --

HIGHLY SOUGHT AFTER LOCATION on fairway of the signature #14 hole with expansive views. Spacious backyard features HEATED POOL & SPA, kool decking, large faux grass area & view fencing. Premium features include 2 NEW 2021 TRANE HVAC UNITS, leased SOLAR, 12-FT CEILINGS, & NO CARPETING--large tile & wood flooring. Chef's kitchen w/GRANITE SLAB on countertops & front island, QUARTZ-2021-on center island, staggered cabinets w/abundant storage, built-in s/s appliances w/GAS cooktop, 2 sinks. Adjacent to the kitchen are the great room w/gas fireplace & views of backyard & golf course & a private courtyard with PERGOLA ideal for breakfast or morning coffee. HUGE PRIMARY SUITE with access to back patio has BAY WINDOW/ w/views, bath w/dual sinks, shower & soaking tub, 2 WALK-IN CLOSETS & FLEX RM. Use the versatile flex room for a private office, exercise room, craft or art room, TV watching or combination of uses. The ENSUITE guest bedroom is split from the primary suite. A den, half bath, casual or formal dining room & laundry room are also found in this 2610 SF Tuscan 'Aurora'. The two-car garage with WHOLE HOUSE WATER FILTRATION SYSTEM & 2022 gas hot water heater has additional area for a golf cart & storage. This home is located in award-winning, gated 55+ Trilogy at Vistancia with 5-star-resort style amenities at the 35,000 SF Kiva Club with indoor & outdoor pools, fitness center, day spa, cafe, billiards, meeting rooms, library, tennis courts, pickle ball, bocce ball, events & a plethora of activities to choose from. Outstanding Gary Panks-designed golf course is woven throughout the neighborhood. The Mita Club has additional community amenities including a huge resort outdoor pool. Easy access from Trilogy to the 303, shopping, restaurants, entertainment, Paloma Park (Peoria's newest park) & Lake Pleasant.

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12733 S 177th Lane Goodyear, AZ 85338

$899,000

5 Beds

3 Baths

4,398 SqFt

Status Active

MLS # 6752407

Property Type Single Family Residence

Price Type --

Gorgeous TW Lewis Basement home in gated community of Emerald Greens at Estrella Mountain Ranch. Home Features 3 Bedrooms 2.5 bath on main floor, 2 Bedrooms 1 bath plus Bonus room & Great room with wet bar in finished Basement. Open kitchen overlooking the family room with lots of windows to view the sparkling pool out back. Large Laundry room with sink, cabinets & counter tops for additional storage. Soft Water Loop & RO at the kitchen sink. Surround sound and fire sprinklers throughout. Primary retreat features private exit to backyard as well as an oversized closet, 20 in tile, crown molding 2 new AC units, New pool cool decking, Close to shopping and restaurants, Why there's not more basements in AZ is beyond me come & see this rare basement home yourself you wont be disappointed

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17426 E Desert Vista Trail Rio Verde, AZ 85263

$899,000

2 Beds

2 Baths

1,543 SqFt

Status Active

MLS # 6756401

Property Type Single Family Residence

Price Type --

This luxurious former model home, featuring the Juniper floorplan, leaves no detail overlooked. Situated on a premium lot with an extended driveway, this residence boasts all the extras, including stunning designer light fixtures, tall ceilings, and beautiful floors. The backyard is a dream come true, offering a breathtaking view of mountain peaks and an unmatched view of the golf course . The gourmet kitchen is equipped with high-end Monogram stainless steel appliances, granite countertops, modern cabinetry, and a large kitchen island with a breakfast bar. The primary suite is bathed in natural light and features a beautiful ensuite with a tiled shower. Bedroom 2 is move-in ready and equally charming. Step outside to your north/south-facing Sonoran desert oasis, complete with an expansive covered patio, ceiling fan, seating area, serene water feature wall, and a private putting course. Additional features include an RO system, water softener, and a garage with epoxy floors and storage cabinets, making this home a turn-key dream. The amenities at Verde River are World Class with Tom Lehman-inspired eighteen-hole Golf course, tennis courts, pickleball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails.

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3555 W Hummingbird Lane San Tan Valley, AZ 85144

$899,000

4 Beds

4.5 Baths

3,120 SqFt

Status Active

MLS # 6742481

Property Type Single Family Residence

Price Type --

*Seller willing to contribute up to 3% to closing cost/rate buy down. Updated photos 9/21* Welcome home to your luxurious retreat nestled in the San Tan Valley! Immerse yourself in the breathtaking natural beauty, picturesque sunsets, and unmatched privacy this sanctuary provides. As you enter your own private drive, this sophisticated modern home will overwhelm the senses offering the Scottsdale feel of tastefully appointed design combined with the stunning, low-maintenance, natural front landscape, at a fraction of the price. The well thought out attached casita offers a private retreat complete with its own entrance, kitchenette, laundry, and separate AC system. This additional living space ensures privacy and comfort for all residents and visitors. The casita also has a separate measurable electrical panel and the single car garage can be easily separated to provide a true multi-generational or income providing opportunity! The casita can also be modified to be fully incorporated into the main home to provide easy access to the extra bedroom or provide a flex space with countless possibilities! As you enter the main home, the gourmet kitchen will take your breath away! Featuring top-of-the-line appliances, custom cabinetry, and elegant countertops, meticulously chosen to provide both style and efficiency, making cooking and entertaining a delight. As you retreat to the lavish master suite, the spacious bedroom will offer a serene escape, with large upgraded windows framing the scenic views. The beautiful en-suite bathroom features high end finishes including large walk-in shower with custom tile work, dual vanities with exquisite countertops, large soaking tub, and ample storage, the ultimate in comfort and relaxation. This home is currently under construction with an expected completion date of December 1, 2024 (subject to change). Buyer is eligible to select finishes with deposit. Price is subject to change based on selections. Photos will continue to update progress of build.

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312 E Windsor Avenue Unit 11 Phoenix, AZ 85004

$899,000

3 Beds

3 Baths

2,400 SqFt

Status Active

MLS # 6750873

Property Type Townhouse

Price Type --

Our eyes are made to see forms in light: light and shade reveal these forms. Rising like the sun over Midtown Phoenix is Soleil. Inspired by Original Modernism; built for connoisseurs of live, work, play. There's a renaissance going on in PHX and you can be close to it all. Uber or light rail yourself to 3 rd Street Promenade and into secluded hidey holes! And when you need to unwind? You're 15 minutes away from exciting, desert hiking trails. It's here you'll witness sun-setting colors pour and splash themselves all over the Sonoran Desert.

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5843 W Abraham Lane Glendale, AZ 85308

$899,000

4 Beds

2.5 Baths

3,003 SqFt

Status Active

MLS # 6753165

Property Type Single Family Residence

Price Type --

Situated on the 15th Fairway of the Legends Golf course in Arrowhead Lakes, This 4 bedroom 2.5 bath home is beautifully appointed. Step inside to a grand entrance with a gorgeous view of the golf course with three large picture windows in the open living/dining room. Kitchen features include granite counter tops, rich cabinetry, stainless appliances, wall ovens, gas cooktop, kitchen island and great breakfast area. Cozy family room anchored by a gas fireplace. Wonderful primary bedroom with ensuite where you will find a step in shower, soaking tub, dual vanities and walk in closet. Shutters, architectural niches, and arched entries are just some of the special touches you will notice. Outside you will find a lovely covered patio overlooking the infinity swimming pool and spa. Nicely landscaped back yard space with al fresco dining area and built in BBQ. Perfectly located with close proximity to shopping, entertainment and freeways - this gorgeous home has it all.

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40806 N Lytham Court Anthem, AZ 85086

New

$899,000

4 Beds

3 Baths

2,792 SqFt

Status Active

MLS # 6783585

Property Type Single Family Residence

Price Type --

Welcome to this stunning Tacoma model home situated on the 11th fairway of the Ironwood Golf Course in Anthem Country Club. This elegant residence features four bedrooms, three full baths, and lots of space for entertaining friends and family. As you enter the home, you will immediately be drawn to the views of the backyard, pool and golf course. It's where you will be spending a lot of time! Inside the home you will find a lovely formal living and dining space - a great area to relax and enjoy the views. The kitchen is awesome with a large island, gas cooktop (new 2024), subzero refrigerator (2023), wall oven, microwave and loads of cabinet and counter space. Perfect spot for the chef! And adjacent to the kitchen is the spacious family room with fireplace and views! READ MORE.... Seller has made many improvements to the home over the years. Starting back in 2011 - 2014, seller added granite to the kitchen counters, installed plantation shutters throughout the home, added a security door to the front entry, redid the guest bath and the shared Jack and Jill bath, added the extended patio roof cover and misting system. In the recent past (2021- 2024) seller has extensively upgraded the primary bath and flooring in the primary suite. Additionally, seller added a new wine bar at the kitchen, redid the media/entertainment wall in the family room - added the fireplace and stacked stone wall - installed LED lighting, added new baseboards, changed out ceiling speakers, replaced all hinges and door knobs, and painted interior of home. The back yard offers views of the 11th fairway including the pond in front and to the side of the par 3 green. Gorgeous Arizona sunsets await you along with views of Daisy Mountain. Welcome to this amazing home in a fabulous community. Anthem Country Club has much to offer including two 18 hole championship golf courses, 2 clubhouses with restaurants, bars and pro shops. Two pools, 2 workout facilities, a spa, tennis, pickle ball, bocce ball and lots of events to keep you busy all year round!

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1420 N Vincent Circle Mesa, AZ 85207

$899,000

5 Beds

3.5 Baths

4,011 SqFt

Status Active

MLS # 6767576

Property Type Single Family Residence

Price Type --

Unwind as you enter your gated community. There's so much to enjoy in this home, two primary bedrooms, one upstairs & one downstairs; from the Granite kitchen countertops and 42'' maple cabinets, to the large laundry room w/cabinets & counters and the 4 Car garage. Step out back and savor a refreshing dip in the pool while you soak in the fresh desert air. 5 bedrooms offer plenty of space for everyone. And there's so much to do nearby. Take a short walk up Brown Mountain. Explore the trails at Usery Mountain Regional Park. Have fun at Rio Salado Sportsman's Club. Tube down the Saguaro River. Go fishing in Saguaro Lake. Whether you want to stay home or get out, there's plenty to keep you as busy as you want to be. - Temporary 1-0 BuyDown offered by preferred lender for qualified buyers.

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29247 N 70th Avenue Peoria, AZ 85383

$899,000

5 Beds

3.5 Baths

4,054 SqFt

Status Active

MLS # 6768748

Property Type Single Family Residence

Price Type --

Welcome to this stunning 5-bed, 4-bath home in the foothills of Sonoran Mountain Ranch! Boasting great curb appeal on this North-South facing home with new exterior paint, a 3-car garage with custom cabinets, overhead racks, and bright open floor plan featuring vaulted ceilings, plantation shutters, and new wood laminate flooring. A spiral staircase leads upstairs with 2 loft areas perfect for a game room or separate living space and 4-bedrooms. The gourmet kitchen offers granite counters, espresso cabinetry, breakfast bar and a walk-in pantry. Enjoy the luxurious downstairs master suite with custom closets and spa-like ensuite. The tropical backyard features a pool, jacuzzi, paver patio, and lush landscaping. Gorgeous mountain views, and hiking trails. Move-in ready w/ $100K in upgrades! This stunning 5-bed, 4-bath home offers an unmatched blend of luxury, comfort, and convenience. With its striking curb appeal, featuring new exterior paint and a 3-car garage equipped with custom-built cabinets and overhead racks, this residence is move-in ready with $100K in upgrades! Step inside to an open floor plan with soaring vaulted ceilings, plantation shutters, and an abundance of natural light. The newly installed wood laminate flooring enhances the modern feel throughout the home. The gourmet kitchen is a chef's delight, boasting granite countertops, beautiful staggered espresso cabinetry, a walk-in pantry, and a gas cooktop. Whether hosting guests or preparing family meals, this kitchen is equipped for it all. Retreat to the luxurious downstairs master suite, which features custom Classy Closets, dual sinks, a spacious walk-in closet, and a spa-like shower with a dry-off area. Upstairs, you'll find two separate loft areas, perfect for a game room or additional living space, along with four generously sized bedrooms. The backyard is an entertainer's paradise! Relax or entertain on the paver-covered patio surrounded by lush, tropical landscaping. Enjoy the privacy of no neighbors behind as you take a dip in the sparkling pool and jacuzzi, or simply unwind on the artificial turf. Located in the serene Sonoran Mountain Ranch, this home offers stunning mountain views, with parks and hiking trails just a short walk away. Don't miss your chance to own this meticulously maintained, move-in ready gem!

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