{"id":23588,"date":"2026-04-13T23:44:54","date_gmt":"2026-04-13T23:44:54","guid":{"rendered":"https:\/\/infinpros.com\/?p=23588"},"modified":"2026-04-13T23:45:41","modified_gmt":"2026-04-13T23:45:41","slug":"what-percentage-of-income-should-go-to-a-mortgage","status":"publish","type":"post","link":"https:\/\/infinpros.com\/?p=23588","title":{"rendered":"What Percentage Of Income Should Go To A Mortgage?"},"content":{"rendered":"<div>\n<div id=\"block_644bdf1464d69668e82916df1429e67b\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Typically, experts recommend you spend no more than 28% of your gross monthly income, or 25% of your net monthly income, on mortgage payments.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Due to high home prices in certain parts of the country, you may find yourself spending substantially more on your mortgage\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Lenders generally want a homebuyer\u2019s mortgage and other monthly debt payments to total no more than 43% of their income, but ideally your DTI ratio should be closer to 36%.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>Two of the more important factors when it comes to how much of your monthly income should go into a mortgage are home prices and mortgage rates. While home prices aren\u2019t climbing as fast as they were between 2020 and 2023, they remain high across the country. At the same time, current mortgage rates have seen a significant increase since the end of 2022.\u00a0<\/p>\n<p>Here are a few rules you can apply to determine how much of your net income a mortgage should be.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Average national mortgage payment\u00a0\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>As of March 2026, the median existing home sale price was $408,800, according to the National Association of Realtors. For that price, at a 30-year mortgage rate of 6.5% and with 20% down, you\u2019re looking at a monthly principal and interest payment of $2,067.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"income\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What percentage of your income should go to your mortgage?\" data-outcome=\"\">What percentage of your income should go to your mortgage?<\/h2>\n<p>Every borrower\u2019s situation is different, and it\u2019s possible no one rule will fit you perfectly, but these are a few of the schools of thought on what percentage of income should go to mortgage payments.<\/p>\n<h3>28% rule<\/h3>\n<p>\u201cThe 28% rule is a traditional mortgage lending guideline stating that a homebuyer\u2019s monthly mortgage payment shouldn\u2019t exceed 28% of their gross monthly income. This includes principal, interest, taxes, and insurance,\u201d says Reed Letson, owner of Elevation Mortgage in Colorado Springs, Colorado.<\/p>\n<p>This 28% cap is based on a borrower\u2019s front-end <u>debt-to\u2013income (DTI) ratio<\/u>, or the amount of their monthly income \u2014 before taxes \u2014 that\u2019s taken up by their mortgage payment.<\/p>\n<p>\u201cIt\u2019s based on decades of lending data showing that borrowers who keep their housing costs at or below this threshold are more likely to successfully manage their mortgage payments while maintaining financial stability for other necessities and savings,\u201d Letson says.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    The 28% rule with a $5,000 monthly income\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p style=\"padding-left: 40px;\"><strong>$5,000 x 0.28 (28%) = $1,400<\/strong><\/p>\n<p>Using the 28% rule, a person with a $5,000 income would be able to afford a monthly mortgage payment of $1,400.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>36% rule<\/h3>\n<p>The 36% model is another way to determine how much of your gross income should go toward your mortgage, and it can be used in conjunction with the 28% rule. While the 28% rule refers to your front-end DTI ratio, the 36% rule refers to your back-end DTI ratio.<\/p>\n<p>\u201cThe 28% cap is about your housing costs \u2014 mortgage, taxes, insurance \u2014 and the 36% is your total debt load, including things like credit cards, car loans and student loans,\u201d says Mike Roberts, co-founder of City Creek Mortgage in Draper, Utah.<\/p>\n<p>In other words, lenders prefer that no more than 28% of your income be devoted to housing expenses and no more than 36% of your income be devoted to total debt payments, including your mortgage.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    The 36% rule with a $5,000 monthly income\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p style=\"padding-left: 40px;\"><strong>$5,000 x 0.36 (36%) = $1,800\u00a0<\/strong><\/p>\n<p>Using the 36% rule, your total debt payments should be less than $1,800 per month. This means that you could still spend $1,400 on your monthly mortgage payment \u2014 but only if your other debt payments total $400 or less per month.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>43% DTI ratio<\/h3>\n<p>While mortgage lenders prefer your back-end DTI ratio not exceed 36%, some lenders may accept a DTI ratio up to 43%. At this level, your mortgage is still considered a qualifying mortgage, which means <u>Fannie Mae and Freddie Mac<\/u> can purchase it from your lender. Overall, though, the lower your DTI ratio, the higher your chances of getting approved for a mortgage. Your chances of approval are lower with a high DTI ratio, but you may still qualify with a strong income and credit score. <\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    A 43% DTI ratio with a $5,000 monthly income\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p style=\"padding-left: 40px;\"><strong>$5,000 x 0.43 (43%) = $2,150<\/strong><\/p>\n<p>A 43% DTI ratio means your total debt payments should be less than $2,150 per month, including your mortgage. This means you\u2019re able to spend $750 instead of just $400 on other debts, but again, you may have less chance of approval with a higher DTI ratio.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>25% post-tax model<\/h3>\n<p>These estimates all rely on your gross income, but many experts recommend that no more than 25% of your net income \u2014 your take-home pay after taxes and other pre-tax expenses \u2014 should go toward mortgage payments. This net income model might be more helpful if something is affecting your take-home pay, like wage garnishment or aggressive retirement savings. It\u2019s also ideal if you want a real daily sense of your cash flow.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    The 25% rule with a $5,000 net income\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p style=\"padding-left: 40px;\"><strong>$5,000 x 0.25 (25%) = $1,250\u00a0<\/strong><\/p>\n<p>If your net income after taxes totals $5,000, then you should be able to afford a total of $1,250 on your monthly mortgage payment.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"mortgage\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Mortgage payments, income and today\u2019s housing market\" data-outcome=\"\">Mortgage payments, income and today\u2019s housing market<\/h2>\n<p>Today\u2019s market rewards buyers who shop around, both for the home and for the right rate with the right lender, but many prospective homebuyers are struggling with a double whammy right now: high home prices and 30-year mortgage rates above 6% \u2014 much higher than they were a few years ago.<\/p>\n<p>Americans need to earn $111,252 to afford the median-priced home, according to a February 2026 Redfin report. That\u2019s a tough figure for the typical American worker to reach since the median weekly earnings for full-time wage and salary workers was $1,204 in 2025, equal to an annual salary of just over $62,600, according to the Bureau of Labor Statistics.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Bankrate insight\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>64% of Americans said they would be willing to make a change to find more affordable housing, and 24% said they\u2019d be willing to move out of state, according to Bankrate\u2019s 2025 Home Affordability Report.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"costs\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What costs make up your mortgage payment?\" data-outcome=\"\">What costs make up your mortgage payment?<\/h2>\n<p>Your mortgage payment consists of the principal amount and any interest, taxes and insurance you pay. <\/p>\n<div class=\"DefinitionList mb-8 DefinitionList--table\">\n<dl>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Principal <\/dt>\n<dd class=\"text-gray-700\">\n<p>The principal is the amount of money you borrowed to purchase your home. Generally, this means the cost of the home after your down payment and any closing costs, taxes and fees included in the loan amount.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Interest<\/dt>\n<dd class=\"text-gray-700\">\n<p>Interest is the cost of borrowing a mortgage and is charged as a percent of the loan amount.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Taxes<\/dt>\n<dd class=\"text-gray-700\">\n<p>A portion of your monthly payments likely goes into an escrow account, and from there, goes toward your annual property tax bill.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Insurance<\/dt>\n<dd class=\"text-gray-700\">\n<p>Similar to your property taxes, your servicer likely also pays your homeowners insurance premiums from your escrow account, which you fund through your monthly payments.<\/p>\n<\/dd>\n<\/div>\n<\/dl>\n<\/div>\n<h2 id=\"afford\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How do lenders determine what you can afford?\" data-outcome=\"\">How do lenders determine what you can afford?<\/h2>\n<p>We\u2019ve laid out some general rules, but lenders use these and other factors to decide how much you can afford \u2014 and how much they\u2019ll lend you. For example:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Gross income: <\/strong>Your gross income is your total earnings before taxes and other deductions. Other sources of income \u2014 such as spousal support, a pension or rental income \u2014 are also included in gross income.<\/li>\n<li>\n<strong>DTI ratio: <\/strong>Lenders typically care most about your total monthly debt obligations divided by your total gross income.<\/li>\n<li>\n<strong>Credit score: <\/strong>Your credit score is a major factor lenders use to evaluate how much you can afford. In general, the higher your credit score, the lower your interest rate, which impacts how much you can feasibly spend on a home.<\/li>\n<li>\n<strong>Work history: <\/strong>To ensure you can repay your mortgage, lenders want you to have a stable source of income. You\u2019ll typically be asked to provide evidence of employment, such as a pay stub, from at least the past two years. If you work for yourself, you\u2019ll be asked to provide tax returns and other business records.<\/li>\n<\/ul>\n<h2 id=\"other\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Other considerations for what you can afford\" data-outcome=\"\">Other considerations for what you can afford<\/h2>\n<h3>Costs of homeownership<\/h3>\n<p>Figuring out how much of your monthly income should go to a mortgage is key to choosing an affordable home. But as any homeowner can attest, the <u>expenses of owning and maintaining a home<\/u> include much more than just the mortgage, such as HOA fees and utility payments.<\/p>\n<p>Other homeownership costs can include:<\/p>\n<ul class=\"wp-block-list\">\n<li>Home maintenance, including an emergency fund and savings for future repairs<\/li>\n<li>Pest prevention<\/li>\n<li>Security systems<\/li>\n<\/ul>\n<p>If your budget doesn\u2019t have some wiggle room for these expenses, you may want to reconsider how much you\u2019re willing to spend on your mortgage.<\/p>\n<h3>Mortgage type<\/h3>\n<p>The kind of mortgage you choose also impacts <u>how much home you can afford<\/u>. To find a loan that\u2019s right for you, it\u2019s important to explore all your options, including <u>conventional, FHA and VA loans<\/u>.<\/p>\n<p>\u201cYou should have a deep-dive conversation with your loan officer about your needs, wants, and goals,\u201d Letson says. \u201cIn order for your loan officer to help you, they need to understand everything you are trying to accomplish. Without seeing the full picture, they will not be able to properly advise you on the best loan product for your scenario.\u201d<\/p>\n<p>Ultimately, the percentage of your income for mortgage payments is just one portion of finding the right home loan for you.<\/p>\n<h3>Income, debt and savings<\/h3>\n<p>It\u2019s important to also consider the trajectory of your income, debt and savings <em>after<\/em> you secure a mortgage. Say you qualify for a mortgage with a 43% DTI, paying $3,000 in monthly debt with $7,000 in income. The more you can shrink that monthly debt and grow your income, the easier it will be to pay off your mortgage and focus on other financial goals.<\/p>\n<p>You need to take steps in both your career and your spending to ensure stability. Part of that will be having a solid savings cushion in case your income drops. Ideally, you\u2019d want to have at 6 months\u2019 of expenses saved. If you have a $2,500 mortgage payment, and your other monthly expenses (utilities, food, transportation, etc.) equal $2,500, you\u2019d want to save $30,000 for a 6-month buffer. That sort of savings takes time and intention for most people, but it can be achieved with deliberate and smart choices.<\/p>\n<h2 id=\"spend\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Should you spend the maximum percentage of your income on a mortgage?\" data-outcome=\"\">Should you spend the maximum percentage of your income on a mortgage?<\/h2>\n<p>Even if you can get approved for a mortgage that would make your total debt load 43% \u2014 or more \u2014 of your income, you may want to reconsider. Spending so much on your mortgage could stretch your budget too thin, which can cause you undue stress and potential financial hardship. Plus, the less you have to pay for your mortgage, the more you can contribute to other financial goals, such as saving for retirement or paying off high-interest debt.<\/p>\n<p>Keep in mind: Housing costs can increase over time, whether that\u2019s due to having an adjustable-rate mortgage, paying for repairs or dealing with increasing property taxes or homeowners insurance premiums. If you start out spending as much as your lender allows, it could be challenging to cover those higher costs.<\/p>\n<h2 id=\"faq\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What happens if I take on a mortgage that\u2019s more than I can afford?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Taking on a mortgage payment that is more than you can afford may leave you with little free cash for other living expenses or emergencies. It can also put you at risk of falling behind on payments and defaulting, potentially losing your home.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How much of your monthly income should go to your mortgage if you\u2019re self-employed?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            The specific percentage of income that should go toward your mortgage payments isn\u2019t necessarily different if you\u2019re self-employed. However, if you\u2019re self-employed, mortgage lenders may want to see that you have more cash reserves than an applicant with a traditional job. They also typically require at least two years of stable self-employment income.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-other-considerations-determine-how-much-house-i-can-afford', 'heading-what-other-considerations-determine-how-much-house-i-can-afford']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-other-considerations-determine-how-much-house-i-can-afford')\" :aria-controls=\"$id('panel-what-other-considerations-determine-how-much-house-i-can-afford')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What other considerations determine how much house I can afford?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-other-considerations-determine-how-much-house-i-can-afford')\" :aria-labelledby=\"$id('heading-what-other-considerations-determine-how-much-house-i-can-afford')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>When determining how much house you can afford, it\u2019s important to consider the expenses of owning and maintaining a home, which involve more than just the mortgage. Don\u2019t overlook costs such as HOA fees and utility payments, home maintenance, pest prevention, security systems and even an emergency fund for future repairs. If your budget doesn\u2019t have some wiggle room for these expenses, you may want to reconsider how much you\u2019re willing to spend on your mortgage.<\/p>\n<p>The kind of mortgage you choose also impacts how much home you can afford. To find a loan that\u2019s right for you, it\u2019s important to explore all your options, including conventional, FHA and VA loans.<\/p>\n<\/div>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"methodology\" data-position=\"8\" data-beam-element-viewed=\"\" data-id=\"br-h2-8-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Methodology\" data-outcome=\"\">Methodology<\/h2>\n<p>The survey on homeowner regrets was conducted between April 2-4, 2025, with a total sample size of 2,487 adults, including 1,363 who are homeowners. The survey on home affordability was conducted by YouGov Plc between March 4-6, 2025 with a total sample size of 2,373 adults, including 979 Americans who did not own a home (with or without a mortgage) but would want to own a home some day. The survey on down payments was conducted between Jan. 15-17, 2025 with a total sample size of 2,703 adults, including 1,453 who are homeowners.<\/p>\n<p>The surveys were carried out online and meet rigorous quality standards. Each gathered a non-probability-based sample and employed demographic quotas and weights to better align the survey samples with the broader U.S. population.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"gTGwmG6ixg\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/mortgages\/what-percent-of-income-should-go-to-mortgage\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Typically, experts recommend you spend no more than 28% of your gross monthly income, or 25% of your net monthly income, on mortgage payments. Due to high home prices in certain parts of the country, you may find yourself spending substantially more on your mortgage Lenders generally want a homebuyer\u2019s mortgage and other<\/p>\n","protected":false},"author":1,"featured_media":23589,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23588","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Percentage Of Income Should Go To A Mortgage? | InfinPros<\/title>\n<meta name=\"description\" content=\"Key takeaways Typically, experts recommend you spend no more than 28% of your gross monthly income, or 25% of your net monthly income, on mortgage\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/infinpros.com\/?p=23588\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Percentage Of Income Should Go To A Mortgage? 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