🏠 Wake County Home Affordability

Start with your monthly budget, work backward to find your target home price

Loading current mortgage rate…

Your Monthly Housing Budget

Includes mortgage, taxes, insurance, and HOA
Pre-filled from the latest published survey figure; editable
Combined county + City of Raleigh rate, FY2026-27

How This Works

  • 1. Start with your total monthly housing budget
  • 2. Subtract taxes, insurance, and HOA
  • 3. Solve the mortgage formula backward
  • 4. Show cash needed upfront
💡 Tip: Keep total housing at 30-33% of take-home pay. Use alongside your emergency fund and other debts to decide if the payment feels safe.

Property tax: combined Wake County + Raleigh FY2026-27 rate (0.5371 county + 0.3720 Raleigh). Insurance is an editable planning assumption.

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