How much home can I afford?

Affordability depends on income, debt, interest rates, and cash reserves. On the Peninsula, taxes, insurance, and maintenance also matter due to coastal conditions and older homes.

What determines affordability?

Income, debt-to-income ratio, down payment, and rates.

Should I spend the max?

Not always. Leave room for maintenance and lifestyle.

What local costs matter?

Insurance, utilities, and upkeep in coastal climates.

How do rates affect this?

Higher rates reduce purchasing power.

Who helps me set this?

Your lender provides numbers; your realtor adds local context.