How much house can I afford?

Estimate the most you could spend from your income, debt and deposit.

Estimate the maximum property price you could afford based on your income, existing debt, and deposit. A useful starting point before you apply for a bond.

Property affordability calculator

Gross monthly income

R10 000R300 000

Existing monthly debt repayments

R0R100 000

Deposit available

R0R2 000 000

Bond term (years)

Interest rate

You could afford a property up to

R835 736

Max monthly repayment

R7 000

Max bond amount

R635 736

Plus your deposit

R200 000

A projection, not a credit decision. Based on allocating up to 30% of gross monthly income to a bond repayment, less your existing debt. Banks run their own affordability assessment under the National Credit Act, factoring in your full credit profile — the amount you're approved for may differ.

SARB prime rate, checked 27 Sep 2026 · the affordability ratio is a GuideStation assumption · Sources & methodology