Uncover Your Ideal Home Budget

Couple on computer together.
You’re scrolling through real estate listings envisioning the perfect home. Blue shutters, a wrap-around porch, a lush yard - but wait, how much is it? If you haven’t been pre-qualified yet, you might be wondering what a realistic budget is for your house hunting journey. Use our calculator to gain insight into what your ideal home buying budget should be.

With a purchase as large as a home, there are many considerations when determining if you can afford a house payment. You’ll need to consider your monthly income, any debt you owe, annual property taxes and insurance, the life of the loan, available down payment, and interest rate. If you’re unsure about insurance or property tax costs, you can get a quick quote from your insurance agent.

Each of these elements influences your monthly payment, so estimate them as best you can. It’s wise to overestimate your costs and underestimate your income. Should you find more financial flexibility than expected, you can fine-tune your budget or save the surplus for the future. Your dream home might be within reach - let us help you navigate the path to owning it. Find a local mortgage banker today.

  • © Fintactix, LLC 2022
  • This calculator is an illustrative tool meant for educational purposes only. The default figures and examples shown are hypothetical and may not be applicable to your individual situation. Furthermore, these calculations may not reflect the terms available for any loan, investment or other financial product offered by SouthState Bank, N.A. (the “Bank”). The calculations do not infer that the Bank assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.
  • This content is general in nature and provided for informational use only. Content may be used in connection with the advertising and marketing of products and services offered by SouthState Bank, N.A. and its subsidiaries and affiliates. This is not to be considered legal, tax, accounting, financial or investment advice. You should seek individualized advice from personal financial, legal, tax and/or other professionals, as appropriate depending on the specific facts of your situation. We do not make any warranties as to the completeness or accuracy of this information and have no liability for your use of this information.

Secure Log In

Close login menu
Login Error

Your username is valid but has a problem. Please call customer support

Our website uses cookies to ensure your online experience is as informative and relevant as possible. Please review our Privacy Policy to learn more about the information we collect.