Enter your numbers below. You'll see a realistic price range, full monthly payment (with tax, insurance & PMI), and the neighborhoods that match your budget.
Combined household, before taxes.
Cash saved for down payment + closing. FTHB programs may help — see the FTHB guide.
Car loans, student loans, credit card minimums (not rent).
Current SD-area 30-yr conventional is ~6.75%. Your actual rate depends on credit, loan type, and lender.
Common in condos, townhomes, and master-planned communities.
Assumes 30-year fixed, 1.1% property tax, 0.35% homeowners insurance, PMI of 0.5% when down payment is under 20%, and a 43% qualifying debt-to-income ratio. Your real approval may differ. This tool is for educational purposes — not a loan commitment.
Down payment assistance, first-generation buyer programs, and VA loans can dramatically change what you can afford. The numbers above assume no assistance — with programs, the picture often looks better.