How Much Can I Afford For House Payment How much house can I afford? – The Lenders Network – How We Calculate it.. The average american household income is $73,298, assuming you have no monthly debt payments you will can afford a home priced at $285,000 with a 3.5% ($10,000) down payment for $1,800 per month. We calculate how much house you can afford using several different costs and factors.Who Qualifies For Usaa PDF GOOD STUDENT DISCOUNT (GSD) San Antonio, Texas 78288 – USAA – On usaa.com. We will require your e-signature certifying each operator qualifies for GSD: In . Georgia or Guam, if you issue an auto policy or update operator information; In . Puerto Rico, if you update operator information.