See What You Can Afford
Enter your income and monthly debts. We'll estimate your debt-to-income ratio and the home price that fits your budget, using real local taxes and insurance, and show you the homes for sale in that range.
This calculator is for informational and educational purposes only. It is not a loan approval or a commitment to lend. What a buyer can actually borrow depends on the lender, credit, income documentation, the property, interest rates, and other underwriting requirements in effect at the time of an application. Marshall Realty & Associates is not a lender.
Checking 5072 S Catherine Street, Plattsburgh, NY 12901, Plattsburgh ($260,000, MLS # 207629). Your results show whether it fits your budget.
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Blank fields use local estimates: taxes 2.96% of the price a year in the Village of Malone, 2.02% outside it; insurance about $1,554 a year. Mortgage insurance is figured from the loan type. The rate is an assumption, not a quote.
How we estimate: we take the lower of two limits lenders use: housing costs up to the loan type's housing ("front-end") ratio of your gross monthly income, and all debts plus housing up to its total ("back-end") ratio. Housing costs include principal and interest, property taxes, homeowners insurance (about $1,554 a year unless you change it), mortgage insurance or fees for the loan type, and any HOA fees. Property taxes for your price range use the typical tax rate of homes for sale in the town you pick (yearly MLS tax bills compared with list prices), or the county when a town has few listings; Malone uses county tax-roll rates for inside (2.96%) and outside (2.02%) the village. The homes we show are checked one by one using each home's own MLS tax bill when it has one. Closing costs (lender fees, title, attorney, prepaid taxes and insurance, often 3–5% of the price) are not included in the price. Heating, utilities and repairs are not included; see our Malone cost guide. Rates and limits change often; lenders can approve higher or lower ratios. Program income limits and property rules apply. Guideline limits checked November 10, 2026: Fannie Mae Selling Guide B3-6-02, HUD Handbook 4000.1, USDA HB-1-3555 Chapter 11, VA Pamphlet 26-7 Chapter 4.
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, disability, familial status, or national origin.