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🎯 Reverse Engineer Healthy Home Price
Hub-internal ·
P1
P6
· Calculator
★ MOST important calc.
Reverses:
"what house CAN we buy?"
→
"what house SHOULD we buy?"
Start with real affordability, work backwards to home price.
Inputs
Josh healthy contribution ($/mo)
Jess healthy contribution ($/mo)
Monthly utilities ($)
Monthly maintenance reserve ($)
Monthly HOA ($, 0 if SFH)
Monthly water/sewer ($)
Monthly internet/trash ($)
Property tax rate (%)
HO insurance ($/mo)
Down payment %
Interest rate (%)
PMI rate (%)
🔢 Calculate
— press Calculate (or Enter) to render —
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This is the anti-lender-affordability number.
Lenders will say you can afford more — this calc shows what you SHOULD spend.
Cross-check vs your $535k modeling primary — if calc says max is lower, $535k is over-budget for sustainable comfort.
Use the stress-tested low ($maxHP × 0.9) as your actual offer ceiling.
Vary inputs to see how household contribution + utility assumptions move the max price.