Determining how much mortgage you can afford depends on several factors, including your income, debt, and expenses. Here are some steps you can take to estimate how much house you can afford:

1. Calculate your debt-to-income ratio (DTI): This is the percentage of your monthly income that goes towards paying off debt. Lenders use this ratio to determine how much you can afford to borrow. The 28/36 rule is a common guideline that states you shouldnt spend more than 28% of your gross monthly income on housing costs and no more than 36% on total debts, including your mortgage, credit cards, and other loans.

2. Determine your down payment: A larger down payment can help you qualify for a larger mortgage and reduce your monthly payments. A 20% down payment is typically recommended to avoid private mortgage insurance (PMI) .

3. Consider your credit score: A higher credit score can help you qualify for a lower interest rate, which can reduce your monthly payments.

4. Use an affordability calculator: Many lenders and financial websites offer online calculators that can help you estimate how much house you can afford based on your income, debt, and expenses.

Its important to keep in mind that these are just guidelines, and your personal financial situation may vary. Its always a good idea to consult with a financial advisor or mortgage lender to get a more accurate estimate of how much mortgage you can afford.