To calculate how much house you can afford, consider the following steps:

1. Determine your gross income (before taxes).

2. Calculate your monthly debt payments (credit cards, car loans, student loans, etc.).

3. Calculate your down payment and closing costs.

4. Consider your credit score and its impact on interest rates.

5. Use a mortgage calculator or consult with a lender to determine a comfortable mortgage payment.

6. Add property taxes, insurance, and maintenance costs to your monthly mortgage payment.

7. Consider the 28/36 rule: Your housing costs should not exceed 28% of your gross income, and your total debt payments should not exceed 36%.

Remember, this is just a starting point, and you should consider your individual financial situation and goals when determining how much house you can afford.

Here's a simple formula to get you started:

Maximum Mortgage Amount = (Gross Income x 0.28) / (Monthly Debt Payments + Proposed Mortgage Payment)