Enter your household income, down payment, and current mortgage rate. See which Des Moines metro suburbs fit comfortably in your budget and which would be a stretch.
Want this run on a real house in one of those suburbs? Send the listing and within 1 business day you get what it would go for, an estimated monthly cost with that suburb's taxes, and what an inspection is likely to find. In writing.
This tool uses the standard mortgage affordability formula lenders actually use in Des Moines:
Your actual lender may use slightly different ratios or include additional factors (credit score, employment history, reserves). For a real pre-approval, talk to a local Des Moines lender.
Affordable (green): The suburb's median home price fits within the conservative 28% front-end ratio. You should have comfortable monthly cash flow after the mortgage.
Stretch (yellow): The median is within 5-15% of your maximum. You could qualify but would be house-poor. Possible with a larger down payment, lower-priced home in the suburb, or lifestyle trade-offs.
Not affordable (red): The median is more than 15% above your maximum affordable price. You'd need significantly more income, a much larger down payment, or to look in a different suburb.
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