SILICON VALLEYMarket Watch
RSU Calculator
For Silicon Valley tech professionals

RSU Home Buying Power Calculator

Your equity is real buying power. Plug in your comp and savings to see how much home you can afford across Silicon Valley — and which cities are within reach today. Free, no sign-up.

$250K
Annual W-2 base
$200K
Value vesting per year
$400K
Available for down payment
$1,500/mo
Car, student loans, cards
6.5%
30-year fixed
Estimated home budget
$2.30M
$12,000/mo principal & interest
$400K
Down payment
$1.90M
Max loan
17%
Down %
Cities within reach
Sunnyvale · $2.25MSan Jose · $1.45M

At 17% down you're under 20%, so budget for PMI or plan to bring more cash to be competitive.

Estimates use a 36% front-end debt-to-income ratio on a 30-year fixed loan and exclude property tax, insurance and HOA dues. Lenders typically require a two-year history to count RSU income. For guidance only — not a lending decision.

© 2026 Silicon Valley Market Watch · Established 2010Prevu Real Estate · Barbara Ratcliffe · CA DRE# 01709259