Where can I afford?

Owning: Zillow’s typical home value, houses and condos (Sep 2026), a 30-year fixed loan at 7.32% (national average, Oct 2026) with 20% down, and the typical property tax bill from New Jersey’s assessment records (Jan 2024). Included: homeowners insurance (Census, Jan 2020) and utilities (electricity vintage Jan 2020, gas and water where supplied), mortgage insuranceMortgage insurance. Insurance a borrower pays for that protects the lender, usually required when the down payment is under 20%. On a conventional loan it can be dropped once enough is paid off. when applicable, and upkeep (1% of price a year, a rule of thumb), using the same calculation and saved assumptions as the profile cost cards. Missing required costs mean an incomplete estimate, never a fit. Places without a Zillow value or a matched tax bill are not counted. A place fits when its typical monthly cost is at most 30% of income before tax, HUDHUD. The U.S. Department of Housing and Urban Development, the federal housing agency. It sets the income limits and Fair Market Rents housing programs use, and publishes data on who struggles with housing costs.’s cost-burden line. Computed from these figures by fixed rules; not a quote, and not written by AI.