Property Decision Desk

Affordability & Qualifying

House-Poor Detector

Flag when a payment squeezes out saving, investing, and living.

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Educational estimate only. Not financial, tax, lending, or real-estate advice. Markets, taxes, and local conditions vary.

How to read this decision

House-Poor Detector answers the question listings never do: what you can carry without becoming house-poor. Flag when a payment squeezes out saving, investing, and living.

There is nothing to install and no account to create — enter numbers, run it, and adjust until the picture is clear.

Methodology & next steps

This tool runs entirely in your browser. Change one input at a time, compare scenarios, and export the report before you talk to an agent or lender.

  1. Start with realistic income, price, rate, and cost assumptions for your market.
  2. Use presets or Snapshot as B to stress-test a second path.
  3. Read the verdict, charts, and schedule — then verify taxes, insurance, and comps locally.
  • Copy report or Print / PDF for a shareable decision page.
  • Save scenarios on this device or copy the share link in the address bar.
  • Export CSV/JSON when you want numbers in a spreadsheet.

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About House-Poor Detector

What does House-Poor Detector show?

Flag when a payment squeezes out saving, investing, and living. It focuses on what you can carry without becoming house-poor, so you can compare realistic paths instead of a single optimistic listing photo.

What inputs does House-Poor Detector need?

Provide the requested prices, rates, and time horizon, then run the tool. Change a single input between runs to isolate what actually drives the outcome.

Is House-Poor Detector free?

Yes. House-Poor Detector is free, needs no account, and runs entirely in your browser — your inputs are never uploaded.

Is this financial or real estate advice?

No. House-Poor Detector produces educational estimates only. Markets, taxes, lending rules, and local conditions vary, so confirm big decisions with a qualified professional.