Disclaimer
All calculations use gross (pre-tax) salary. Mortgage payments assume a 30-year fixed loan with a 20% down payment (both adjustable above) and are principal & interest only — they exclude property taxes, homeowner's insurance, HOA fees, and PMI. Median home values and rents for cities, metro areas, and ZIP codes come from the Zillow Home Value Index and Zillow Observed Rent Index; ZIPs without published rent use the city-wide figure. Prices by bedroom count and home type are each location's own Zillow series (typical middle-third values), not estimates — but they are medians and will not match any specific listing. Rents are shown as the overall median only, since Zillow doesn't publish rents by bedroom count. The mortgage rate auto-fills from Mortgage News Daily (refreshed daily); enter your own quote for a precise payment, and a 6.70% default is used if the live rate can't be fetched. This tool is for informational purposes only and does not constitute financial or real estate advice.