Interactive calculator

Can You Afford to Live Where You Serve?

Use your income and expenses to estimate a modeled purchase-capacity threshold, or enter a specific home price to test its estimated monthly housing cost under the same assumptions.

1 Household

Primary household income

USER INPUT

Second income

USER INPUT

Existing monthly debt

HOUSEHOLD-SPECIFIC

2 Financing

Loan program

PROGRAM-SPECIFIC · other programs held for later model expansion

Down paymentInterest rate (%)

Default: OBSERVED BENCHMARK, PMMS 9/3/2026

3 Property costs

Property-tax location

REPRESENTATIVE LOCATION-SPECIFIC TAX INPUT

Homeowners insurance ($/month)

ILLUSTRATIVE · not a typical Northshore premium

Flood insurance ($/month)

PROPERTY-SPECIFIC. $0 means no lender-required flood premium included, not zero flood risk.

HOA ($/month)

PROPERTY-SPECIFIC

4 Test a home price

Home price to test ($)

OPTIONAL USER INPUT · tests a specific purchase price without changing the purchase-capacity calculation above

MODELED OUTPUT

Modeled purchase-capacity threshold

Educational scenario, not mortgage prequalification.

Maximum modeled housing budget:

Estimated monthly cost at modeled capacity

Specific home-price scenario

Enter a home price in Step 4 to estimate its monthly housing cost and compare it with the modeled household budget.

How to use this result

For verified St. Tammany tax selections, the calculator also shows the nearest verified aggregate MLS threshold count. For other geographies, inventory matching is withheld rather than displaying a mismatched parish result.

Educational use only.

This tool is for public education and scenario analysis. It is not mortgage prequalification, lending advice, insurance advice, an appraisal, or a determination that a particular household can purchase a particular property.

Current prototype uses the Phase 2D FHA baseline. Credit, eligibility, cash to close, property condition, appraisal, insurance availability and other underwriting factors are not determined here.