How much can I borrow for a mortgage?

Real EstateWarren TeamPublished April 25, 2026

Quick answer

Lenders typically lend up to about 4-5× your annual gross income, with monthly housing capped at ~28% of gross income (front-end DTI) and total debt at 36-43% (back-end DTI). Personal-finance experts recommend keeping it lower for safety.

Mortgage borrowing capacity by income.

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions. Read our disclaimers.

All questions

Get an answer built on your own numbers

Warren reads your accounts, then answers questions like this one with your real income, taxes and goals in mind.

Try Warren Free See a demo