To determine how much house you can afford, you'll need to consider several factors, including your income, expenses, and credit score. Here's a general formula that you can use as a starting point:

  1. Calculate your monthly income after taxes.

  2. Multiply your monthly income by 0.28 to get your maximum monthly housing payment.

  3. Subtract your monthly debt payments (e.g., car payments, student loans, credit card payments, etc.) from your maximum monthly housing payment.

  4. Use the result from step 3 to determine the maximum mortgage payment you can afford.

However, keep in mind that this is a rough estimate, and there are many other factors to consider, such as down payment, interest rate, property taxes, and insurance. To get a more accurate estimate, you can use an online mortgage calculator or consult with a mortgage lender.