Free BayNest calculator

Can I Afford to Buy in the Bay Area?

Enter a few numbers. The tool estimates your max purchase price, compares it with your chosen city, and suggests more realistic alternatives.

Max home price

City median

Cash needed at city median

Payment at max budget

Payment at city median

Compare all 21 cities in the full spreadsheet See neighborhood tradeoffs Get the complete bundle and save $44

Assumptions

What this quick model uses

Loan model30-year fixed, 6.51% seed rate, 28% front-end DTI and 43% back-end DTI guardrails.

Cash modelDown payment plus a 2.5% closing-cost planning buffer. It does not replace a lender estimate.

Local dataCity medians, taxes, and HOA assumptions are planning seeds refreshed from public sources. Last updated May 24, 2026.

Sources include Redfin/Zillow market pages, Freddie Mac/FRED mortgage-rate data, county/city tax pages, and CalHFA program pages. Verify live rates, insurance, HOA reserves, transfer taxes, and lender overlays before acting.