Use Qimani's free home buying power calculator to find out how much property you can afford. Enter your annual income, monthly debt payments, down payment, and credit score to instantly see three affordability ranges: Comfortable (28% DTI), Stretch (36% DTI), and Maximum (43% DTI).
Enter your total gross annual household income before taxes. Add any existing monthly debt payments such as car loans, student loans, or credit card minimums — but not living expenses like rent or utilities. Input your available down payment and your credit score (300–850). The calculator will instantly show your affordable, stretch, and maximum home price ranges along with estimated monthly payments.
Your credit score determines the mortgage interest rate you qualify for. Excellent scores (760+) receive rates around 6.5%, while poor scores (below 620) may face rates of 8.5% or higher. Even a 1% difference in rate can change your maximum affordable home price by 10–15%.
In Nairobi and other Kenyan cities, property prices range from KES 3 million for affordable apartments to over KES 50 million for luxury homes. This calculator supports KES, USD, and EUR, making it suitable for both local buyers and the diaspora investing in Kenyan property.
Discover how much property you can afford based on your income, debt, and credit score
Total income before taxes for you and your household members.
Payments for loans or other debt, excluding living expenses like rent or groceries.
Enter a score between 300 and 850.