Home Affordability Check 2026
Enter household income and home price to see your mortgage burden ratio and price-to-income ratio against official 22-county figures (2026 Q1).
- Mortgage burden ratio
- 41.47%
- Price-to-income ratio
- 9.47×
- Ministry of the Interior level
- Low
- Loan amount
- NT$6.76M
- Monthly mortgage payment
- NT$35,236
- Monthly income (annual ÷ 12)
- NT$84,975
Loan size at a payment of 30% of monthly income, about NT$4.89M；Home price that implies, about NT$6.99M
Nationwide, official median (2026 Q1): burden ratio 41.46%, price-to-income ratio 9.47.
Your burden ratio is 41.5%, in the “Low” level; the official national figure is 41.46%
Chart data (table)
| Level | Mortgage burden ratio |
|---|---|
| Affordable | < 30% |
| Slightly low | 30% – 40% |
| Low | 40% – 50% |
| Very low | ≥ 50% |
Results are estimates for reference and are not financial, tax or legal advice. Actual rates, loan limits, grace periods and approval depend on the lending bank. Policy terms are as of 2026-11-10; check the Ministry of Finance and each bank for later changes.
How do I read the result?
A higher burden ratio means a larger share of monthly income goes to the mortgage. The result is placed on the Ministry of the Interior four-level scale next to the national official figure, with the county figures listed for comparison.
The price-to-income ratio is a multiple: the larger it is, the more years of income the same home takes. Official mode uses the statistics agency’s assumptions; custom mode uses the price, income, down payment and term you enter.
How this result is produced
Mortgage burden ratio = monthly payment ÷ monthly income; price-to-income ratio = home price ÷ annual household income; the payment uses equal-payment amortization. The four level thresholds come from the notes published with the Ministry of the Interior index. Official county figures are built from 2026 Q1 median prices and median incomes.
Burden ratio = monthly payment ÷ monthly income; price-to-income = price ÷ annual income; equal-payment amortization. Level thresholds come from the notes published with the Ministry of the Interior index. County figures are 2026 Q1 medians built on a 20-year term, 70% loan and the official rate; the official table has no row for Lienchiang County.
Where does the data come from?
Frequently asked questions
What mortgage burden ratio counts as reasonable?
The Ministry of the Interior sorts the burden ratio into four levels: below 30% is “Affordable”, 30% up to 40% is “Slightly low”, 40% up to 50% is “Low”, and 50% or more is “Very low”. The 2026 Q1 national figure is 41.46%, in the “Low” level. This is a statistical scale; what a household can actually carry also depends on its other debts and living costs.
How does the official burden ratio work?
The Ministry of the Interior assumes a 20-year equal-payment loan, a 70% loan-to-value ratio and a 2.318% rate. It takes the monthly payment on the median-priced home (NT$9.66M) and divides it by median monthly disposable household income (annual NT$1,019,700 divided by 12). The 2026 Q1 national result is 41.46%.
What is the price-to-income ratio?
The price-to-income ratio is the home price divided by annual disposable household income, expressed as a multiple: how many years of income the home costs. The 2026 Q1 national figure is 9.47. Among the counties in the official table, the highest is county.臺北市 (14.72) and the lowest is county.基隆市 (5.7).
Why does my result differ from the official figure?
The official figure fixes the median price, the median income, a 20-year term, a 70% loan-to-value ratio and a 2.318% rate. Custom mode lets you replace all of these with your own price, income, down payment, rate and term, so different inputs give different results. When comparing, check first that the term and loan-to-value ratio match.
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