How much house can I afford?

Real EstateWarren TeamPublished April 25, 2026

Quick answer

Most lenders use the 28/36 rule: total housing costs under 28% of gross income, total debt under 36%. A stricter personal-finance rule: keep all-in housing under 25% of take-home pay to leave room for savings and lifestyle.

28/36 lender rule and 25% personal-finance rule for housing.

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