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How much house can you afford calculator | CNET

How much house can you afford calculator | CNET

CNET's mortgage calculator can help you figure out how you can affording when searching for a new house. Our calculator works by collecting some basic financial information, layering in some regional home sales data and calculating an estimated monthly mortgage payment. (Note that the information collected is used only to calculate your monthly mortgage payment -- and not for marketing or ad-targeting purposes.) 

This home mortgage calculator can only provide you with an estimate -- your actual monthly mortgage payment (and other related costs) will depend on your specific financial situation, the property, your state of residence and your lender's terms and conditions.

How our mortgage affordability calculator works

This calculator uses your ZIP code to estimate a property tax rate, and your credit score to estimate a mortgage interest rate. It uses your monthly income and your current monthly debt payments to calculate the monthly payments you can afford to stay under a target debt-to-income ratio. Finally, the calculator subtracts your other estimated monthly expenses, such as property taxes and homeowners insurance, to determine your monthly housing budget -- and the total home price you can afford. 

The formula used is: Monthly payment = (income x DTI) - debts - tax - insurance.

If you want to figure out how much your monthly payment will be instead, check our our mortgage calculator.

How much home can I afford?

You can quickly gauge how much you can safely spend on a mortgage and other debts by using the 28/36 rule. Not only can this rule give you insight into your overall financial health, but many lenders use it to determine whether you're a good loan candidate.

So what is the 28/36 rule? This simple rule of thumb says that you should spend a maximum of 28% of your gross monthly income -- that's your salary before any taxes or deductions come out -- on housing-related expenses -- such as your mortgage payment, principal, interest, taxes, private mortgage insurance (PMI) and homeowners dues.

 This rule also says that you should keep all of your household debt under 36% of your gross monthly income. That includes your mortgage,  credit card payments, car loans and student loans.

For example, if you make $5,000 per month (before taxes), using the 28% rule, you could safely spend up to $1,400 on your housing expenses. You should also aim to keep your total monthly household debt under $1,800 (or 36% of your pay).

Of course, these amounts are the upper limits of what you should plan on spending -- if possible keep these costs under the 28/36 thresholds.

What's my debt-to-income ratio?

Your debt-to-income ratio (DTI) shows lenders how much you make each month compared to how much you spend on debt. This figure helps lenders assess your financial health and when evaluating your loan application.

To calculate your DTI, you'll divide your monthly debt payments -- loans, credit cards, alimony and child support -- by your gross monthly income to get your DTI percentage. If you're applying with your spouse, include both of your incomes and debts in this calculation.

To qualify for a mortgage, try to keep your DTI as low as possible. Most lenders prefer borrowers with a DTI of 36% or less.

For example, let's say that you earn $5,000 per month and these are your monthly expenses: 

• Credit card payment: $250
• Student loan payment: $500
  
• Car loan: $250
  
• House payment: $1,000
• Total: $2,000

From there, you'd divide your monthly expenses ($2,000) by your monthly income ($5,000), giving you a 40% DTI. While this might qualify you for a mortgage with some lenders,  paying down some of your deb could help lower your DTI, making your mortgage application more attractive to lenders. A lower DTI could also help you qualify for a better mortgage rate, saving you thousands in interest.

Don't forget down payments, closing costs, mortgage insurance and other fees

This affordability calculator can help you determine how much of a home you can afford, but that doesn't mean you should look for homes for the maximum amount in your price range. Buying a home comes along with many upfront costs that you'll want to consider when shopping for a home.

• Down payment: Depending on your loan type, expect to pay between 3% to 20% upfront. If you secure a USDA or VA loan, you may be exempt from providing a down payment.
• Closing costs: When you close on your new home, you'll likely have closing costs ranging from 2% to 5% of your total mortgage amount. Your closing costs typically include taxes, home appraisals, inspections, attorney fees, title insurance and other miscellaneous fees.
  
• Mortgage insurance: When you put less than 20% down on a home, you'll be required to purchase a form of mortgage insurance. Conventional loans require private mortgage insurance (PMI) and FHA loans require a mortgage insurance premium (MIP) -- both which have upfront and annual costs.
  
• Guarantee, funding or origination fees: USDA loans require an upfront and annual guarantee fee, while VA loans require an origination fee. Other conventional loans might also require processing or origination fees.
  

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How much house can I afford with an FHA loan? 

With an FHA loan, you'll need to put at least 3.5% of the home price down at closing if your credit score is 580 or higher. If your score is lower than 580, you'll need to put at least 10% down. 

When putting down less than 20% with an FHA loan, you'll also be required to purchase a mortgage insurance premium (MIP). This has two costs -- an upfront fee and recurring monthly charge. The upfront fee is currently 1.75% of your home loan amount. Your annual percentage rate will vary depending on your home price, loan-to-value ratio (mortgage balance divided by your appraised home value) and your loan terms. Currently rates range from 0.45% to 1.05% and will be divided evenly into monthly payments you'll pay along with your home loan.

An example of what you'll pay with an FHA loan

Let's say you use the calculator to determine you can afford a home up to $275,000. Using this price, if your credit score is 580 or higher, you'll need $9,625 for your down payment with an FHA loan. If your credit score is below 580, you'll need to put $27,500 down at closing. 

If your credit score is a 600, you'll need to put $9,625 down and take out the remaining $265,375 as a loan. In this scenario, your upfront MIP payment would be approximately $4,644 and if your annual MIP rate would be 0.85%. This means, your first year's MIP would be $2,255.69, divided into 12 monthly payments of $187.97.

Assuming your closing costs are 3% of your home loan, you'll need another $5,307.50 at closing. All in, you'll need $19,576.50 at closing and not just the $9k down payment.

Upfront costs 

• Down payment  - $9,625
• Upfront MIP fee - $4,644
• Closing costs - $5,307.50
• Total closing costs - $19,576.50

You can learn more about FHA loans here.

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How much house can I afford with a USDA loan? 

One of the main benefits of a USDA loan is that it doesn't require a down payment, making it easier for manyto become a homeowner. However, USDA loans have strict criteria you'll need to meet to qualify -- including living in a USDA-designated area and not exceeding the income threshold for that area. You'll also need to have a DTI under 41% and a monthly mortgage payment that doesn't exceed 29% of your monthly income.

An example of what you'll pay with a USDA loan

Let's assume that you've used the mortgage calculator and found that you can afford a $275,000 home. Although you won't need a down payment, you will need to take out mortgage insurance. This equates to an upfront fee of 1% of your loan amount (due at closing), as well as an annual payment of 0.35% of your loan amount (paid monthly with your mortgage). 

In this example, your upfront fee would be $2,750, and your annual payment would be $962.50, split into monthly payments of $80.21.

Finally, since USDA loan closing costs typically run between 3-6% of the purchase price, let's say yours is 4.5% (or $12,375). Altogether, that's an upfront cost of $15,1258 -- with no down payment.

Upfront costs 

• Down payment  - $0
• Upfront MIP fee - $2,750
• Closing costs - $12,375
• Total closing costs - $15,125

You can learn more about USDA loans here.

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How much house can I afford with a VA loan? 

Available to current or former US military members, VA loans are backed by the US Department of Veterans Affairs. Like USDA loans, VA loans are especially attractive to low-income home buyers since they don't require a down payment. To qualify, you or your spouse must be a veteran or active duty service member, and your property needs to meet VA loan requirements. For example, it can't be a fixer-upper or a secondary/vacation home.

An example of what you'll pay with a VA loan

Let's say that the mortgage calculator determined that you can spend as much as $275,000 on a home. Since you're taking out a VA loan, you won't need to put anything down or pay for mortgage insurance. 

However, you will need to pay a one-time VA funding fee at closing. This fee can be rolled into the loan amount and paid monthly, but we'll include it as an upfront cost in this example. If you put 0% down, the fee is 2.3% for first-time VA loans and 3.6% for subsequent loans. The fee decreases if you put more money down, but let's assume that it's your first VA loan and you're not making a down payment in this scenario. In that case, your funding fee would equal $6,325.

With a 4% closing cost, you'll need to pay another $11,000 upfront. That comes out to a total of $17,325. 

Upfront costs 

• Down payment  - $0
• Upfront VA funding fee - $6,325
• Closing costs - $11,000
• Total closing costs - $17,325

You can learn more about VA loans here.

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Other home expenses to consider

Along with your principal, interest, taxes and insurance (aka PITI), there are several other costs of homeownership to consider in your budget.

• HOA fees: Depending on your new home's location, you may be subject to homeowners or condo association fees each month, quarter or year.
• Maintenance and repairs: When you own a home, maintenance and repair expenses are inevitable. You'll have to factor those into your budget as well. Most experts recommend saving between 1% and 2% of your home's value for annual maintenance.
  
• Utility bills: There's a good chance you're already paying utility bills for your current home. But remember that moving to a new home, especially if you're moving from an apartment to a house, can result in significantly larger expenses for electricity, heat, natural gas and water.
  

More mortgage advice

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Source

https://customiseq.pops.my.id/

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23 great iPhone games you can download right now

23 great iPhone games you can download right now

PlayStation and Xbox consoles are harder to buy than ever right now, but who needs 'em? After all, you carry a gaming machine in your pocket with you everywhere you go. The iOS ecosystem is home to a dizzying array of fantastic games you can play, many of which are optimized for your iPhone. In fact, there are so many games out there that cutting through them all can be overwhelming. What should you skip and what should you play?

This is a list of 23 titles that are worth your time. There's a hugely diverse range of games to play on your iPhone or iPad (check out a list of games that work particularly well on iPad here), which means there's something for everyone. There are games that give you deep roleplaying experiences and there are games to pick up and play for two minutes at a time -- plus everything in between. 

Florence

Price: $3

Annapurna Interactive

Florence is a game so nice that it's been ported to other platforms -- namely Windows, MacOS and the Switch. That's something you can say about few other games that were designed for iOS. It's a game that follows 25-year-old Florence Yeoh as she falls in love with a cellist named Krish. The gameplay takes the form as minigames that progress the story and all up it'll take about 40 minutes to finish. But it's a 40 minutes you won't soon forget.

Call of Duty Mobile

Price: Free

Activision Blizzard

The latest Call of Duty to hit consoles is the World War 2-era Vanguard, but you don't need to shell out $60 to play Call of Duty. The free-to-play mobile title is obviously not as technically breathtaking as its console brethren, but it gets a lot out of your mobile's hardware. More importantly, it plays surprisingly well. It features popular maps from previous Call of Duty games, and has a control scheme that makes playing on your phone much less awkward than you'd expect. 

Tetris Beat

Price: Apple Arcade subscription ($5 a month)

Apple

You already know if you'll like Tetris Beat or not because it is, among other things, Tetris. As you can tell by the name, this take on the classic puzzle game integrates music, with three modes all designed around playing Tetris in tune with a beat. Tetris Beat is a fantastic addition to any home screen because it's easy to pick up and play -- and doesn't require you to return each and every day if you don't feel like it. 

Slayaway Camp

Price: $3

Blue Wizard Digital LP

In Slayaway Camp, you play the villain in a series of slasher movies and you need to hit all the teen counselors at a summer camp. The graphics are voxel-based, which keeps the gore-fest entertainingly cartoony and every detail has been lovingly thought about -- from the "rewind" option when you fall to the scattered bones you leave in your wake. Some levels have limits or special features (such as fires) to help you dispatch your victims (and provide hazards that you need to avoid yourself) and you can even earn coins to unlock special kills. For such a bloodthirsty premise, it's an utter joy.

PUBG

Price: Free

PUBG Mobile

You can't go very far in gaming without finding a battle royale right now and PlayerUnknown's Battlegrounds, better known as PUBG, was the game that kicked off the trend. It's since been eclipsed in popularity by Fortnite -- which is notoriously unavailable on iOS and Android -- but remains a reliably good time. One hundred people are dropped into an area, the last one standing is the winner. Enjoy your chicken dinner!

Fantasian

Price: Apple Arcade subscription ($5 a month)

After three long years, Fantasian is finally on the way.

Apple

Fantasian hit Apple Arcade with a huge amount of hype, thanks in large part to it being written by Final Fantasy creator Hironobu Sakaguchi. Released over two parts -- the first in April, the second in August -- this is a fully featured JRPG. It'll take you over 40 hours to finish, during which time you'll slay many a beast and see several beautifully crafted environments. Really, the art style is something special: The team created over 100 dioramas and scanned them to create pre-rendered backgrounds. It's worth downloading just to look at, if nothing else. 

Clusterduck

Price: Free

PikPok

Between this, Untitled Goose Game and The Falconeer, our avian friends are really enjoying some time in the sun. Clusterduck is a weird game: It's all about hatching duck eggs. The more eggs are hatched, the more mutations occur, the more chaos ensues. It's quirky, silly fun. 

Hyper Light Drifter

Price: $5

Heart Machine

There's one thing you'll ask yourself as you play through Hyper Light Drifter: What the hell is going on? It's a game that seems to take pleasure in giving you almost nothing to work with, in forcing you to figure everything out on your own. That means story and gameplay too. But those who manage to hang in there will be rewarded with a beautifully atmospheric adventure, one animated by pixelated '80s anime art style. 

Rolling Sky 2

Price: Free

Cheetah Technology

Published in 2019, Rolling Sky 2 is a throwback to mobile games developed a decade ago. It's a runner game, meaning the character on screen is forever running forward and it's your job to guide them past dangerous obstacles and traps. The mechanics are simply -- simply move your finger from side to side -- but the onscreen flourishes are not. Rolling Sky 2 integrates music and a beautiful art style to make this simple experience a satisfying one too. 

Out There

Price: $1

Mi-Cos Studio

Out There is a game about survival and strategy, carefully managing your resources as you travel the stars. It's also a tale of ultimate, lonely isolation. It tells the tale of an astronaut who wakes from cryosleep to find that he's no longer in orbit around Jovian moon Ganymede -- in fact, he's not even in the solar system. He has no idea where he is and has only unreliable alien technology as a guide home. You have to carefully manoeuvre through dangerous situations and manage resources as you navigate the stars -- because when your astronaut dies, it's game over. And all the while, you have no way of knowing if what you seek is truly the way home.

Mini Motorways

Price: Apple Arcade subscription ($5 a month)

Dinosaur Polo Club Twitter

Finally, a game for all the kids who dreamed of growing up to be a traffic engineer. Mini Motorways is a strategy puzzle game that's all about building the best road layout for growing cities. If building houses that connect houses to buildings doesn't sound like your idea of fun, Mini Motorways' charming visuals and score will absolutely win you over. 

Her Story

Price: $4

Sam Barlow

Her Story is a game about a video search engine. Well, that and a murder. A woman's husband was killed and she's a suspect. Your job is to sift through video footage of police interviewing said woman. You do this by typing words into a search engine and watching the videos that pop up -- which will give you more clues and in turn lead to more searches. Basic gameplay, but incredibly creative storytelling: Her Story was won many accolades, including being named GameSpot's Game of the Month in June of 2015.

Animal Crossing: Pocket Camp

Price: Free

Nintendo

Animal Crossing was always big, but last year's New Horizons boosted the franchise into a new stratosphere of popularity. If you've wanted to play Animal Crossing but don't have a Switch, note that Animal Crossing: Pocket Camp is still very much viable, despite being released in 2017. It's a smaller scale experience than New Horizons, as you'll be building a campsite rather than an entire island, but it's full of the same charm that's made Animal Crossing a titan.

Alto's Odyssey

Price: $5

Snowman

Alto's Odyssey is a followup game to Alto's Adventure. Both are very similar: They're endless runners, except instead of running it's downhill boarding. Odyssey takes place in the desert, so you're sandboarding, while Adventure has Alto snowboarding. Most importantly, both have a striking, mesmorizing visual style. This is a great game to download for easy pick-up-and-play sessions.

Helix Jump

Price: Free

Voodoo

Helix Jump by Voodoo is a tactile puzzle game that's incredibly deceptive in its simplicity. The goal is to bounce a ball down a labyrinth by falling strategically through the cracks on each level without falling on a red zone. Sounds easy, right? Not so fast. With the fun frustration that came with tap and drag games like Flappy Bird and many others since, Helix Jump will have you screaming at the screen, then coming back for "just one more." The haptic response when the ball bounces is also a nice touch.

Oxenfree

Price: Free

Night School Studio

A group of friends hanging out on a beach take a turn for the worse when the teens accidentally open a ghostly rift. Soon the group is fighting for survival, struggling through time loops and doubting if everyone is truly who they say they are. Oxenfree calls itself a "supernatural teen thriller," but deftly avoids tropes and cliches, providing characters with depth and a fascinating, eerie plot. It's a quick game you could play in one sitting, but there's multiple endings so you can always go back.

A Normally Lost Phone

Plug In Digital

Price: $2

Like many games on this list, A Normally Lost Phone is all about narrative. Moreso than other entries here though, this really is a case of "the less you know the better". There are two things you need to know: first, that it's a game about discovering a phone and piecing together information about its owner. Second, it's absolutely worth a download.

What Remains of Edith Finch

Price: $5

Gamespot

What Remains of Edith Finch rules. Through a series of minigames, it recounts the history of the Finch family and the alleged curse that led to its downfall. It'll take you about two hours to beat What Remains of Edith Finch and the game takes you on a remarkable emotional journey during that time. Sadness, laughter, horror and hope; you'll feel it all. 

Framed

Loveshack

Price: $4

Words can't do Framed justice: It really is one of the more unusual concepts we have seen in some time. The entire game takes place without words, as it's laid out as a completely wordless noir comic, with our protagonists avoiding being spotted by law while double-crossing each other. Gameplay is not action-based, but context-based. You have to examine each page, shifting the panels around to make sure that events occur in the order that sees our hero escape clean, getting the jump on police or sneaking past. Although it may sound good, that's nothing compared to how satisfying it is to experience.

And if you dig it, a sequel, Framed 2, was released in 2017.

League of Legends: Wild Rift

Riot Games

Price: Free

There's not much to say about League of Legends: Wild Rift outside of the fact that it's a modified version of the insanely popular League of Legends PC game. Do you like League of Legends? Have you ever wanted to try it? If the answer to either question is a yes, Wild Rift is for you. 

Hearthstone

Price: Free

Activision Blizzard

Hearthstone is a spinoff of the Warcraft franchise, a card game building on the lore of Blizzard's wildly popular MMO series. It's unusual for a mobile game in that it's become an esports staple, with the player count reaching 100 million in 2018. Yes, it's a bit overwhelming to start Hearthstone in 2021, but Blizzard has updates planned up through 2023, so it's worth the time investment. 

Monument Valley 2

Price: $5

ustwo games

Monument Valley was a smash hit when it came out in 2014, combining clever puzzles with simple-but-striking visuals. Its sequel, 2017's Monument Valley 2, adds to it with even more visual flair and, perhaps more significantly, a more pronounced story. Monument Valley is about solving puzzles and it's also a game about mothers and daughters, and the ties between on generation and the next. 

Pokemon Go

Price: Free

Niantic

OK, I know what you're thinking. You already know about Pokemon Go -- like approximately everyone on planet Earth, you probably gave it a go in 2016. But Pokemon Go was far more than a temporary phenom, and in fact had its most profitable year in 2020. Developer Niantic has drastically improved the game over the years, adding new Pokemon, integrated Pokemon battles with human and AI trainers, community events, raids and more. Give Go another chance.

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Source

https://muaturunh.omdo.my.id/

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Android 12 Has Some Tricks Up Its Sleeve, But You Have to Know Where to Look

Android 12 Has Some Tricks Up Its Sleeve, But You Have to Know Where to Look

Android 13  is now available for certain Google Pixel owners to install, but Samsung Galaxy, Motorola and other Android users will have to wait until later this year to get their hands on Google's latest mobile software update. However, there is still a ton to explore on Android 12, which most people are still running on their Android phones.

Read more: How to Download Android 13 Beta 2 on Your Phone Now

Whether you own a Pixel 6 Pro or a Samsung Galaxy S22, you can find a number of hidden settings and features on Android 12 that can completely change how you use your Android device.

In this story we'll show you how to recover accidentally deleted notifications, use your phone with only one hand and more. Check out what Android 12 has to offer below.

If you want to learn more about how you can improve your Android experience, check out these seven tips to improve your Android's performance and how to save battery with Android's built-in dark mode.

Android 12 keeps your notification history a tap away

Do you ever clear out a notification without reading it? I do it all the time. Android has offered device notification history for some time now, but you either had to know where to look, or you had to install a third-party app to see it. 

In Android 12, all you have to do is scroll to the bottom of your notification shade, where you'll see a new History button. Tap it, and you'll see recently cleared notifications as well as alerts from the last 24 hours. 

If you see Manage instead of History, that's because Notification History isn't turned on. Enable it by tapping on Manage, then select Notification History and slide the switch to the On position. 

You now have quick access to your past notifications. 

Screenshots by Jason Cipriani/CNET

Android 12 makes big phones feel smaller

A new one-handed mode in Android 12 may not be a headlining feature, but it's one that could make a big difference in how you use your phone. This is especially true if you're using a phone with a big display, like the Galaxy S22 Ultra.

The new one-handed mode moves the top half of whatever's on your screen to the bottom half, making it easier to tap a quick settings tile or a notification. To use it, place a finger on the small bar at the bottom of your phone's screen and swipe down. It may take a few tries, but once you get the gesture figured out, it's easy to reproduce.

Before you can do that, though, you'll need to turn it on: go into the Settings app, type in One-handed mode and toggle the feature on. Depending on which Android phone you have, this feature might have different settings you can toggle off and on.

Left: Google Pixel 6 Pro. Right: Samsung Galaxy S22.

Screenshots by Nelson Aguilar/CNET

There's a dedicated gaming mode in Android 12

If you play a lot of games on your Android device, you'll be happy to know that Google added a dedicated gaming mode to Android 12. When it's turned on, your phone will do things like automatically turn on do not disturb when you start playing. 

But you'd never know the mode existed if you didn't venture deep into, of all places, your notification settings. More specifically, go to Settings > Notifications > Do Not Disturb > Schedules. Once there, check the box next to Game Mode to turn it on. Next, tap on the Settings gear icon to and toggle both items.

In my experience testing it, game mode doesn't work in every game (looking at you, Asphalt 9). It does work in Call of Duty Mobile, however. When it's active, you can do things like force your phone to optimize itself for gaming in a single-tap or view your device's current frames per second.

Use the new Game Mode in Android 12 to boost performance or live stream on YouTube. 

Screenshot by Jason Cipriani/CNET

Android 12 has a new app layout option

The app grid on your phone's home screen normally ranges for a 4x4, 5x5 or 6x6 grid (or similar combinations). However, in Android 12 on the Pixel, there's a new app grid option that's downright funny at first glance -- 2x2. I assume this is limited to just Pixel phones, but hopefully, other phone-makers adopt it, as it's a huge accessibility feature for those in need of larger app icons. 

Switch to the new 2x2 layout with a long-press on your home screen, then select Wallpaper & style > App Grid > 2x2. 

This 2x2 app grid feature is only available on the Google Pixel.

Screenshots by Nelson Aguilar/CNET

For more, check out the best Android phones and Samsung phones to buy in 2022, every reason why you should give Pixel phones another chance and how the Pixel 6 with its Tensor chip is more exciting than the iPhone 13.

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Google Pixel 5A review: Snappy performance, familiar design

Google Pixel 5A review: Snappy performance, familiar design

Update, July 21, 2022: Google has since replaced the Pixel 5A with 5G with the Pixel 6A. You can read our full Pixel 6A review for the latest model. Last year's review of the Pixel 5A with 5G continues unchanged below.

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Google's $449 Pixel 5A with 5G is the second major Pixel announcement this year, hot on the heels of the Pixel 6 teaser earlier this month. It features a Qualcomm Snapdragon 765G processor that powers a 6.34-inch OLED display. The phone also has IP67 water- and dust-resistance.

So while Google's highest-end Pixel 6 and 6 Pro phones will include the new in-house Tensor chip, the 5A (as I'll call it from now on) will have more in common with last year's Pixel 4A 5G. For Pixel fans with deeper pockets, the Pixel 6 and 6 Pro's chip and redesign could be exciting, but this Pixel likely will be shooting for a more budget-conscious crowd. 

For the value, it's hard to not like what Google has done with the Pixel 5A. The only real thing holding it back is Google's inability to commit to supporting upcoming 5G networks that are set to start coming online in a few months. 

Like

• Nice screen
• Speedy performance
• IP67 water-resistant
• Affordable price

Don't Like

• No wireless charging
• 5G support in the US is unclear

If you're looking for a cheaper Pixel, you won't have to wait for the Pixel 6's release date sometime this fall, as the 5A will be released on Aug. 26 and can be bought in the US carrier-unlocked directly from Google or with Google Fi. The phone will also be available in Japan. (While it's not coming to the UK or Australia, the price converts to roughly £320 or AU$630.)

I've spent the past few days with Google's new phone. While it feels like a worthy successor to the Pixel 4A 5G so far, here's what you'll want to keep in mind if you want a cheaper 5G Pixel or Android phone on a budget. 

Snappy performance, familiar design

The 5A's chip is the same as the one used in last year's 4A 5G: the Qualcomm Snapdragon 765G processor. The similarities don't end there, as both phones also have 6GB of RAM and 128GB of storage. They each have similar front and rear cameras with a hole punch for the front camera, and both have a fingerprint reader on the back and a 3.5mm headphone jack on top. 

Sarah Tew/CNET

The camera system is nearly identical to last year's Pixel 4A with 5G (and the Pixel 5). It has the same lenses and all the same features, including a portrait mode, Night Sight and an ultrawide lens. In my week with the phone, the cameras proved versatile and more than capable of taking crisp photos during the day and at night.

For more on the Pixel's cameras, see our Pixel 5 review last year.  

In daylight, the Pixel 5A does a nice job capturing details and colors. 

Eli Blumenthal/CNET

Night Sight isn't the sharpest but it remains an impressive -- and capable -- feature for a $449 phone. 

Eli Blumenthal/CNET

The differences begin with a larger 6.34-inch OLED display with a 20:9 aspect ratio that's similar to the Galaxy S21. That's compared to a 6.2-inch display on the 4A 5G at a 19.5:9 aspect ratio, which we've seen on devices such as the Pixel 5 and iPhone 12. 

The 5A is running Android 11 in my tests, but if past Pixel trends hold true the phone will likely be among the first to get Android 12. The new OS will include the new Material You design, refreshed notifications and even more customizable options that could be exclusive to the Pixel series.

Watching videos on YouTube, Netflix or Disney Plus worked fine. Games on Stadia or Xbox Game Pass also played well, though some (particularly those on Xbox) were letterboxed and wouldn't play in full screen. I encountered a similar issue with YouTube TV (though not the regular YouTube app). 

The Pixel 5A letterboxes certain apps like YouTube TV. 

Eli Blumenthal/CNET

Performance, however, was solid and it was certainly playable with a good internet connection. More intensive localized games such as Call of Duty: Mobile also worked largely as expected. 

The stereo speakers, however, lack clarity. While they can get loud they aren't as full or rich at maximum volume as other devices. 

The phone's IP67-rated water and dust resistance should help withstand the elements and features a significantly larger battery (4,620 mAh compared to 3,800 mAh) that can be fast-charged using the included 18-watt USB-C wall charger. 

The Pixel's fast charging wasn't particularly speedy in my tests, going from empty to 21% in 20 minutes and needing around 47 minutes to hit 50%. The OnePlus Nord 2 can go from zero to 70% in an hour using its 30-watt fast charger. 

Getting up to a nearly full charge took around two hours on the Pixel. I do like that the battery indicator in the notification tray continues to show how much battery you have left, as opposed to a vague percentage. 

Google claims the battery should be able to run a full day, and from my limited testing these few days the phone seems to hold up to that estimate even after I was taxing it with gaming, video watching, hotspotting and photo taking.

Impact of the chip shortage

The global chip shortage appears to have affected the Pixel line's tradition of offering a bounty of colors, with the 5A just coming in "mostly black" (which to me looked a little green in certain light). Brian Rakowski, vice president of product management at Google, told reporters that this was a result of "supply chain challenges."

"It's an industry-wide shortage," he said, noting that the limited chips available has also meant limiting the places Google will sell the 5A as opposed to offering a wide distribution through a variety of carriers and retailers. 

Sarah Tew/CNET

"We definitely could not get as many chips as we wanted for this." 

As with last year's Pixel 4A 5G, there's no wireless charging on this new model. Google also appears to have dropped the "spectral and flicker sensor," which could impact taking pictures or videos of screens or shooting under artificial lighting like fluorescent lights. (These changes may not necessarily be related to the chip shortage.)

The good news is that the 5A keeps most of Google's Pixel software features, including call screening for fighting robocalls, car crash detection and a recorder app that can transcribe in real time, as well as photography features like Night Sight for improved images in low light.  

Google is promising three years of Android software and security updates in addition to the feature updates it has routinely offered for Pixel phones. 

Sarah Tew/CNET

5G… with a catch 

5G support is indeed part of this cheaper Pixel, but the details of that support get complicated. You should be able to connect to low-band 5G networks from T-Mobile, AT&T and Verizon. 

But whereas last year's Pixel 5 included support for higher-frequency millimeter-wave 5G networks, the 5A does not. This means faster speeds, from what Verizon calls Ultra Wideband and what AT&T calls 5G Plus, won't be supported. For a midrange phone this isn't a deal-breaker, but it isn't ideal. 

Since Google Fi runs on T-Mobile's network, it works fine on that carrier's low-band as well as its faster midband 5G offering, which it calls Ultra Capacity 5G. 

Looking into 5G's future, the 5A's support will be even more complicated. The phone's support of 5G networks running on the C-band is unclear. This is wireless spectrum that Verizon, AT&T and T-Mobile spent billions on earlier this year. For Verizon and AT&T, that should provide a significant speed boost beyond just a handful of city blocks. 

The first of these networks from AT&T and Verizon should arrive later this year, with Verizon stating earlier this year that this C-band network will allow it to offer peak download speeds of 1 gigabit per second. The Pixel 5, ironically, was announced as one of the first phones to support Verizon's C-band network. 

On a hardware level, the 5A should support these forthcoming networks as it has the proper band support inside (what's known as band N77 or N78). The issue is that Google won't commit to updating the software on the Pixel 5A with 5G to enable it. 

"The hardware is capable but there hasn't been a lot of deployment yet in the US so the software work would still need to be done," Rakowski said. "We don't have any plans to announce on that front." 

When pressed, Rakowski added that Google will "stay in touch with the carriers and evaluate" future support but added that "we're not going to commit, we're not going to make a statement now about future support for what might come in an update."

We already know that more people are holding onto devices for longer, so the lack of support from Google for this upcoming network upgrade -- especially when the physical hardware supports it -- is concerning. 

If you're with T-Mobile or a carrier that runs on its network (like Google Fi) you have less to worry about when it comes to accessing a speedy midband 5G network. As for prospective buyers who have AT&T or Verizon, that lack of future support could muddy what's otherwise a solid $449 phone.

Pixel 5A 5G specs

	Pixel 5A 5G	Pixel 4A 5G	Pixel 3A
Display size, resolution	6.34-inch OLED, 2,400x1,080 pixels	6.2-inch OLED, 2,340x1,080 pixels	5.6-inch OLED, 2,220x1,080 pixels
Pixel density	413ppi	413ppi	441ppi
Dimensions	156x73x8.8mm	154x74x8.2mm (Sub-6 only); 154x74x8.5 mm (mmWave + Sub-6)	151x70x8.2mm
Weight	6.45 oz; 183g	5.93 oz; 168g (Sub-6 only); 6.03 oz; 171g (mmWave + Sub-6)	5.19 oz; 147g
Software	Android 11	Android 11	Android 9.0
Camera	16-megapixel (ultrawide), 12-megapixel (dual pixel)	12.2-megapixel (standard), 16-megapixel (ultrawide)	12.2-megapixel
Front camera	8-megapixel	8-megapixel	8-megapixel
Video	4K	4K	4K
Chipsets	Snapdragon 765G (processing power chip), Titan M chipset (security chip)	Snapdragon 765G	2GHz octa-core Qualcomm Snapdragon 670
Storage	128GB	128GB	64GB
RAM	6GB	6GB	4GB
Headphone Jack	Yes	Yes	No
Battery	4,620 mAh	3,800 mAh	3,000 mAh
Special features	5G, IP67 water resistance, dual SIM (nano-SIM and e-SIM), stereo speakers, 18W fast charging	5G, dual-SIM (nano-SIM and e-SIM), fast charging	AR in Google Maps, time-lapse video shooting
Price (USD)	$449	$499	$399

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Best Dishwasher For 2022

Best Dishwasher for 2022

Sure, a dishwasher's primary function is helping clean up after a meal, but it's also so much more than that. A dishwasher is also a live-in housekeeper, a device to help children learn about chores and a radical act of self-care or couples' therapy. (You can forget about those disagreements thanks to our helpful and definitive guide to the right way to load a dishwasher.)

Finding the best dishwasher in 2022 isn't as simple as it sounds. Dishwashers are relatively standard in size -- typically 24 inches wide and about 35 inches high -- so choosing the perfect model one for you is more a matter of your available budget and what kind of options or features you want. In terms of dishwasher functionality, many rating sites, including CNET, have previously concluded that the dish detergent you use and properly loading the dishwasher are often more important than the dishwasher itself when it comes to getting your dishes sparkling clean. What higher prices typically get you are more racks, hidden controls, smart features, numerous cycle options and peace and quiet, not appreciably cleaner dishes -- though some may get you appreciably drier dishes.

If you're wondering how much a dishwasher should cost, a typical model with a variety of options runs between $600 and $1,100, with several good choices falling below that range and higher-end models offering more than you could even imagine you might need except for the device to actually load itself. 

Read more: Yes, You Need to Clean Your Dishwasher. Here's How

I evaluated a number of the most popular models with a range of features and in several price points to bring you the best built-in dishwashers for 2022.

Bosch/CNET

For features versus price where overall user rating is concerned, Bosch's 300 Series dishwasher is among the most highly rated across several major retailer sites, coming in just below average in price for the number of amenities it offers. Its large capacity holds up to 16 place settings, it includes a desirable third rack, and it offers an adjustable middle rack to accommodate larger items, as well as flexible tines in the lower rack for even more versatile loading. Five wash cycles are available: heavy, auto, normal, rinse and hold and a speedy one-hour cycle, with four additional modes such as delay start, half load, sanitize and extra dry. With a quieter-than-average decibel level of 44, this is the best overall dishwasher to buy for what it offers. Bosch also offers 100, 500 and 800 series dishwashers in different price points that also maintain consumer popularity and high ratings.

In person, this was one of the slickest-looking dishwashers of the bunch. But beware, that sleek modern stainless look may get tarnished by fingerprints if you have little ones who tend to touch and grab everything in sight. I loved the adjustable top (third) silverware rack, in addition to a removable lower silverware rack, which felt sturdy and frees up space in the lower racks for plates, pans and other larger items.

• Home Depot rating: 4.6 out of 5 based on 5,053 reviews
• Lowe's rating: 4.3 out of 5 based on 1,610 reviews

Whirlpool/CNET

Many very good dishwasher options are available in the $500-to-$600 range, but for less than $500 for a full-size appliance, Whirlpool offers a reliable, no-frills model with over five figures of positive ratings, that still includes many of the amenities of the popular Bosch dishwasher above. An in-door silverware rack creates additional space in the basin, which can store up to 14 place settings. For your savings, you still get a stainless steel finish, as well as heavy, normal, high-temperature, and one-hour wash cycles, with sanitize and heated dry options. More expensive models tend to have soundproofing features that reduce the dishwasher noise while it's running. But at 55 decibels, this Whirlpool model is well within the range of the average noise level for dishwashers.

While this model wasn't as aesthetically pleasing in person, it had well-organized racks and was roomy inside. The front stainless steel panel also feels a hair flimsier than some of the others, so beware of dents.

• Home Depot rating: 4.3 out of 5 based on 13,461 reviews
• Lowe's rating: 4.3 out of 5 based on 10,599 reviews

KitchenAid/CNET

With cycles that can run several hours, perhaps noise -- or lack thereof -- is the most important consideration for you, especially if your open-plan kitchen is close to your bedroom or nursery, or if it's also your office. Most standard dishwashers run in the 50-60 decibel range, which is just below the noise level of normal, indoor conversation. Many models now include additional technology that helps bring the noise level down to a very quiet 40-50 decibels, but this Kitchenaid model achieves an almost whisper-quiet level at only 39 decibels. In addition to being able to take a nap while the dishwasher is running, this high-end model also includes a third rack, a ProWash sensor that automatically adjusts the cycle for the soil level of the dishes and an extended heat dry option that can even evaporate the most determined drops on your plasticware.

This model reminded me of the Bosch SHEM63W55N both inside and out with its slick, modern design. The top silverware rack is slim but sturdy. The adjustable middle rack was simple to operate and intuitive to move into position to accommodate items of varying sizes.

• Home Depot rating: 4.7 out of 5 based on 1,396 reviews
• Lowe's rating: 4.5 out of 5 based on 124 reviews

LG/CNET

This smart LG dishwasher includes Wi-Fi capability that allows it to communicate with other devices, meaning you can start or lock the machine remotely from a mobile phone app or even by voice activation within the house. Additionally, LED lights allow you to see inside the dishwasher during the cycle, giving it almost babysitter-like power if your kids or pets are also fascinated by the washing machine. You pay a little extra for the smart capabilities, but otherwise, the LG offers the same variety of wash cycles as the Bosch model above, as well as a third rack and adjustable upper rack, accommodating up to 15 place settings. At 42 decibels this is also one of the more quiet options on the market.

If minimalist design appeals to you, this dishwasher hides its control panel and buttons inside the dishwasher on the top of the door, giving the front panel a nice, clean look. The LED lights that activated when I opened the door were bright to help spot fallen forks or unclean dishes. This model felt as sturdily built as any I had the pleasure of vigorously opening, closing and jostling about. 

• Home Depot rating: 4.3 out of 5 based on 886 reviews
• Lowe's rating: 4.3 based on 606 reviews

Samsung/CNET

In the 18-inch-wide department, Samsung offers a consistently highly rated dishwasher that is also budget-friendly for the number of amenities it contains. Tines in the bottom rack fold down to allow for larger items, and it can hold up to eight place settings in its normal configuration. It runs at a very quiet rate of 46 decibels, and in addition to its five available cycles with four modes, it includes an auto-release door that opens the dishwasher and allows air to circulate in quickly, cooling your clean dishes and improving drying performance.

Despite its downsized dimensions, this model still had seemingly plenty of space inside for even a family sized load of dishes. Like the LG, this Samsung has its controls set into the top of the door so there's only a clean stainless steel panel to look at when the door is shut. The top rack is adjustable and was easy to maneuver. 

• Home Depot rating: 4.7 out of 5 based on 60 reviews

How we evaluate dishwashers and best list methodology

I researched the dishwashers in this list by analyzing specs and user reviews from major retailer sites such as Home Depot, Lowe's and Best Buy. I also considered their best-selling and top-rated models and their available features compared to price. I focused on those models that had a rating of at least 4.5 stars with at least 500 ratings, or at least the highest rating among the highest number of ratings for the feature or size I was evaluating. 

Only those dishwashers that were Energy Star Certified by the EPA were considered, for peace of mind concerning energy efficiency. I dove deep into user comments and ratings to ensure there were no persisting problems, issues or complaints among a particular brand or model. While we didn't do extensive hands-on testing for this list of best dishwashers, I was able to get my hands on several models in various appliance showrooms to evaluate the build of the unit and the intuitiveness of the buttons and controls.

Dishwasher buying guide: Things to consider

Dishwasher size

The size of your dishwasher is the first decision you'll make since not all kitchens have the space to accommodate a full-sized model. Most standard models are 24 inches wide and about 35 inches high and kitchens are generally designed to house a model of those dimensions, but there are slimmer dishwashers to accommodate smaller spaces. 

A standard dishwasher is 24 x 35 inches in size but compact and custom models exist for smaller spaces. 

Bosch

Choosing a style

Most dishwashers are available in stainless steel, which fits into most kitchen motifs. Many models are also available in white, black and other finishes. You won't find tons of color options but Samsung offers a bespoke line that includes unique finishes including navy steel and brownish Tuscan steel. 

Samsung has a line of bespoke large kitchen appliances to add some color to your kitchen.

Samsung

The pricier models including Bosch and KitchenAid tend to have sleek, minimalist front doors and flashier internal design. More budget-friendly brands such as Whirlpool and Maytag have more traditional aesthetics, generally speaking.

Dishwasher racks and rack placement

This is an easily overlooked feature but it has a significant impact on your day-to-day dishwashing. A new trend is the small third flat rack at the top that can accommodate extra silverware, kitchen utensils and other smaller items. They are typically in addition to an upright silverware holder housed in the bottom rack. If you find yourself filling or overfilling a standard silverware holder on a regular basis, this feature will allow you to wash everything and keep things neat and tidy. 

The trendy third rack provides another place to load silverware, kitchen utensils and other small items. 

Whirlpool

Many dishwashers also now have adjustable racks to accommodate dishes and pans of odd or abnormally large sizes. If you've ever struggled with fitting large items into your dishwasher, you should consider a model with adjustable racks. 

Read more: Best Dishwasher Features of 2022

Various dishwasher cycles and features: Do they matter?

There are dishwasher cycles that come standard on nearly every model -- normal, quick wash, heavy-duty, delicate -- but fancier units will have even more specific cycles such as mineral-assisted wash and presoak cycle. These extra cycles can be nice to have but I wouldn't weigh them too heavily when making a purchase decision. Ultimately, you'll be using the standard cycles far more than the niche ones. 

Here's a quick guide to dishwasher cycles and when to use them.

Don't become consumed with the various cycles. You'll likely only ever use two or three.

Maytag

Drying cycles: Condensation versus electric drying

Most dishwashers have one of two ways to dry dishes after a wash. Many use a condensation process where the dishwasher will use very hot water to heat the dishes inside toward the end. Then, as the tub cools with the hot dishware, condensation will occur and water will drip off the dishes.

Other dishwashers, including some KitchenAid models, have an electric heating element to heat the air and dry dishes at the end. This may be a more thorough way to dry the dishes but it's also less sanitary, less energy-efficient and will melt plastic items that are on the bottom rack since they are so close to the heating element. 

Dishwasher noise level

While dishwashers generally have more in common than they do differences, the noise level is one area in which they do vary and may affect your overall satisfaction with a particular unit. Most modern dishwashers are pretty quiet, reaching only 40 or 50 decibels. But some, like the Kitchenaid KDFE204KPS, have advanced technology to keep the machine as hush-hush quiet as 39 decibels when running. If you look into the specs section of each model, this information should be listed clearly. 

Dishwasher FAQs

What is the average lifespan of a dishwasher?

Manufacturers will tell you a dishwasher should last about 10 years but you might expect to get a few more years out of it than that if you don't overuse the machine and take some quick steps to keep it running smoothly. 

There are things you can do to extend the life of your dishwasher like scraping off solid foods from plates and pans before loading, cleaning the filter monthly and never putting vinegar inside your dishwasher, as CNET's Katie Teague explains.

What are the different styles of dishwashers?

Dishwashers are fairly standard in size -- 24 inches wide by 35 inches tall -- with some narrower, 18-inch options also available. Beyond those two customary widths, the major aesthetic decisions you are making are in the dishwasher's finish, the handle type and whether the controls are located on the front panel of the dishwasher or hidden along the top of the loading door, referred to as "front control" or "top control" in the search features. 

Most available dishwashers allow you to make specific selections among those features once you've decided on a particular size and model. Then your decision becomes a matter of what additional features you desire in a dishwasher and what's available for your budget. The higher-end models are smart-enabled, offer a third rack and adjustable rack settings, numerous wash cycle selections and also have bonus features such as leak sensors and self-cleaning filters. Budget-friendly options may have fewer features, but you should still expect at least a few wash cycle selections with perfectly clean and dry dishes at the end of any given cycle.

When is the best time to buy a dishwasher?

According to a report by Consumer Reports and Gap Intelligence, dishwasher prices begin to dip at the start of summer culminating with the biggest drops in the months leading up to Black Friday and Cyber Monday.

What is the difference between a plastic and stainless steel dishwasher tub?

Along with soundproofing technology, the other matter which has the biggest impact on a dishwasher's price is whether the tub is made of stainless steel, heavy-duty plastic or as in only a few models, a stainless steel hybrid. Stainless steel models tend to be slightly more efficient since they conduct heat and can more easily maintain temperature during cycles, but most plastic tub models are also Energy Star Certified and should not present an energy efficiency concern. There is no major difference in durability between plastic and stainless steel tubs, with both types of dishwashers tending to last about 10 years.

Should I get a dishwasher warranty and how important is it?

Your dishwasher should last you about 10 years without requiring any major repairs but, of course, a warranty is a good thing to have if something goes wrong soon after you take it home. Most warranties from the major brands outlined here cover replacement parts and labor for one year from the date you purchased it and are designed to protect you should there be a major manufacturer flaw in your model. 

It is worth noting that Maytag appliances include a generous, limited 10-year warranty that covers certain replacement parts after the first year warranty expires. Meanwhile, you can potentially extend the efficacy and lifespan of your dishwasher by taking care of it, with CNET's guide to how to clean your dishwasher.

More delicious kitchen advice

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