How Much Home Can I Afford?

Updated October 2026 · Rudy Flores

Enter your income, monthly debts and the cash you plan to put down. You will see a comfortable range and a stretch range using common lender guidelines.

Zillow’s typical home value for the San Diego area was about $927K in Sep 2026. With 20% down at 7.24%, the payment including tax and insurance would be about $6,174 a month, which lines up with a household income near $264,594 at the common 28% guideline.

This is not a pre-approval. Lenders look at credit, assets, loan type and more. Nothing here is a loan offer, a rate quote, tax or legal advice. Rates shown come from public data and change often.

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