That depends on the type of loan that you are going for (government subsidized or non-subsidized), how much other debt you have, and what the taxes/maintenance are on the dwelling, etc. It is best to get pre-qualified by a lender to get an amount that is right for you. Consider what you currently pay for rent and if you feel you could afford more or less. At 4% for 30 years, the mortgage payment on $100,000 would be about $478. Figure about $250-$300 more for taxes and insurance. Some lenders want no more than about 29-31% of your yearly income going toward a house payment and no more than 41-43% of income going toward all debt. These are called debt-to-income ratios. If you have more questions, you can email me at Virginia.Stump@remax.net.