$100K salary home buying guide
At $100K, your max monthly housing cost is $2,333 using the 28% rule. This comfortably supports a $395K home at 6.5% with 20% down. But your actual approval depends on your full debt picture — student loans, car payments, and credit cards all factor in.
$100K income — home price by rate
| Rate | Max Home (20% down) | Monthly PITI |
|---|---|---|
| 5.5% | $460,000 | $2,327 |
| 6.0% | $430,000 | $2,329 |
| 6.5% | $395,000 | $2,320 |
| 7.0% | $360,000 | $2,310 |
A 1.5% rate swing changes your buying power by $100,000. Lock the lowest rate you can — it's the single biggest lever.