Mortgage Affordability Calculator — District of Columbia
See how much house you can afford in District of Columbia, with property tax factored in at the state's ~0.57% effective rate. Adjust income, debts, and down payment to fit your situation.
Your details
- Max loan
- $436,661.86
- Total housing budget / mo
- $3,100.00
- For principal & interest / mo
- $2,760.00
Sources & methodology
Property tax factored using District of Columbia's effective rate (0.57%) on a representative home price. Your real budget depends on income, debts, and local rates. Rate is a 2024 effective rate (Tax Foundation / U.S. Census ACS), verified 2026-07-20 — an estimate; county and local rates and assessments vary. Uses a debt-to-income cap covering full PITI — property tax and insurance are subtracted before deriving the loan. Excludes PMI and HOA.
- •Tax Foundation — property taxes by state (2024 ACS data) — Tax Foundation
- •CFPB — how much can you afford — CFPB
Estimates for informational purposes only — not tax or financial advice. Local rates vary. Last updated: 2026-07-20