Below is a simple chart where a home buyer can determine how much mortgage payment they can afford. Find the intersection of that number (the colored lines) and what the current interest rates are (at bottom of chart) and see how much home you can afford to purchase. For example, using the current 30-year rate of 6.10% (as of 1/29/26) a home buyer who can afford $2,500/mo could afford to buy a...