City:
Price Range:
Beds:
Ellijay ------------------ Andrews Aska Ball Ground Bear Lake Bear Paw Benton Big Canoe Blairsville Blue Ridge Brasstown Bryson City Calhoun Canton Chatsworth Ga. Cherokee Cherry Log Clay County Clayton Cleveland Copperhill Cornelia Culberson Cumming Dahlonega Dalton Dawsonville Dial Ducktown Ellijay Epworth Eton Fairmount Fairplay Farner Franklin Gainesville Gatlinburg Gilmer Hiawassee Higdon Hill City Hayesville Isabella Jasper Lawrenceville Maccaysville Madisonville Marble Hill Marble Nc Marietta Martin Ga Martins Crk. Nc Mc Caysville Mineral Springs Mineral Bluff Morganton Murphy Murray County Nantahala Near Andrewsnc Newport None Nr Andrews Nc Ocoee Peachtree Pickens Polk Tn Ranger Robbinsville N Roswell Sautee Nacooche Shooting Creek Smyrna Sparta Suches Sugar Hill Talking Rock Tate Tlc Toccoa Topton Towns Trion Turletown Tusquittee Unionfannin Waleska Warne Nc Woodstock Young Harris
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ABOUT THIS CALCULATOR: To arrive at an "affordable" home price, we followed the guidelines of most lenders. We've allowed a total debt-to-income ratio of no more than 36%. And we have assumed a housing payment-to-income ratio of 28% for our conservative estimate, and 33% for the aggressive one. Before buying, however, you should also factor in other savings needs, including retirement and college.
ASSUMPTIONS: We've assumed a 30-year mortgage term, annual property tax of $3,500 and homeowners insurance of $481 - the national average. And we do not factor in private mortgage insurance, which you'll owe if your downpayment is less than 20 percent of the purchase price. It averages from $50 to $80 per month. Plug in your own numbers for more tailor-made results.
*Include auto and student loans, alimony, child support payments and credit card payments.
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