Calculate how much home you can afford based on income, debt, and down payment. Uses Thai interest rates and DTI rules.
A quick view before you enter your details
Examples assume no existing debt, a 50% income payment ceiling, 7% annual interest, a 30-year term, and 10% down. Your actual result changes with debt, down payment and lender criteria.
Home-price scale by income
Monthly income
฿30,000
Estimated home price
฿2,505,126
Monthly payment
฿15,000
10% down payment: ฿250,513
Monthly income
฿50,000
Estimated home price
฿4,175,210
Monthly payment
฿25,000
10% down payment: ฿417,521
Monthly income
฿80,000
Estimated home price
฿6,680,336
Monthly payment
฿40,000
10% down payment: ฿668,034
Monthly income
฿120,000
Estimated home price
฿10,020,505
Monthly payment
฿60,000
10% down payment: ฿1,002,050
Monthly income
฿200,000
Estimated home price
฿16,700,841
Monthly payment
฿100,000
10% down payment: ฿1,670,084
| Monthly income | Estimated home price | Monthly payment | 10% down payment |
|---|---|---|---|
| ฿30,000 | ฿2,505,126 | ฿15,000 | ฿250,513 |
| ฿50,000 | ฿4,175,210 | ฿25,000 | ฿417,521 |
| ฿80,000 | ฿6,680,336 | ฿40,000 | ฿668,034 |
| ฿120,000 | ฿10,020,505 | ฿60,000 | ฿1,002,050 |
| ฿200,000 | ฿16,700,841 | ฿100,000 | ฿1,670,084 |
Use this as a starting point, then enter your real details below for a personal budget.
Enter your income and debt to calculate how much home you can afford
Fill in the form and click Calculate
DTI is the ratio of total debt to income. Banks typically require it to be under 50% to approve a mortgage.
Rates are around 6-8% depending on the bank and loan program. The calculator defaults to 7%.
Banks typically require 10-20% of the home price. Some programs accept 5%.
Besides the home price, there are transfer fees, taxes, common fees, and furnishing. Budget an additional 10-15%.