Credit
How much debt is too much?
Quick Answer
Total monthly debt payments above 36% of your gross monthly income is "too much" by lender standards, with 28% as the housing-only ceiling. Above 43% disqualifies you from most conventional mortgages and signals real financial stress.
Warren Team
Updated April 26, 2026
36
Warren Team
Updated April 26, 2026
36
Important Disclaimer:
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.
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