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Forum » What % Of Your Income Should Your Mortgage Be?
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Thread: What % Of Your Income Should Your Mortgage Be?

post 1687330743 07-28-2023, 12:57 AM
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#1
  1. BigTimeHustler
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  1. BigTimeHustler
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What % Of Your Income Should Your Mortgage Be?

To live stress free and feel comfortable AF

I’d say 15% max
post 1687330793 07-28-2023, 12:59 AM
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#2
  1. BrooksKoepka
  1. BrooksKoepka
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Idk mane can’t afford a mortgage
post 1687330813 07-28-2023, 01:01 AM
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#3
  1. AlwaysFocus
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  1. AlwaysFocus
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Dog eat dog world right now boyos. Get in if you can otherwise wait and be a rentard.
post 1687330923 07-28-2023, 01:07 AM
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#4
  1. BigTimeHustler
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  1. BigTimeHustler
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Originally Posted By AlwaysFocus⏩
Dog eat dog world right now boyos. Get in if you can otherwise wait and be a rentard.
Rentcel checking in, feelsgoodman. I ain’t stressin

I’ll mortgagemax when the time is right
post 1687330943 07-28-2023, 01:08 AM
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#5
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Originally Posted By BrooksKoepka⏩
Idk mane can’t afford a mortgage
I could afford one but I want my payments to be low as a mother fuker before I get that chit.
post 1687331113 07-28-2023, 01:22 AM
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#6
  1. Ratfish
  1. Ratfish
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0%

Make Europe Germany Again
post 1687331193 07-28-2023, 01:26 AM
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#7
  1. Nonsense916
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  1. Nonsense916
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Buy a tuff shed like ratfisf and it’ll be 0%
Losers let it happen, winners make it happen.

Nonsense Army Crew.
post 1687331263 07-28-2023, 01:28 AM
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#8
  1. Ratfish
  1. Ratfish
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Originally Posted By Nonsense916⏩
Buy a tuff shed like ratfisf and it’ll be 0%
based and shackpilled

my shed is so chitty lmao

the previous owner built it himself

i woodn't trust him to build a bird house srs
Make Europe Germany Again
post 1687331273 07-28-2023, 01:28 AM
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#9
  1. BigTimeHustler
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  1. BigTimeHustler
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Originally Posted By Nonsense916⏩
Buy a tuff shed like ratfisf and it’ll be 0%
ratfish and linuxjon live like bums
post 1687331303 07-28-2023, 01:29 AM
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#10
  1. BigTimeHustler
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Originally Posted By Ratfish⏩
0%

goals
post 1687331313 07-28-2023, 01:29 AM
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#11
  1. Ratfish
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Originally Posted By BigTimeHustler⏩
ratfish and linuxjon live like bums
nah, my house is clean and i'm the only animal living here
Make Europe Germany Again
post 1687331363 07-28-2023, 01:33 AM
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#12
  1. Nonsense916
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  1. Nonsense916
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Originally Posted By Ratfish⏩
nah, my house is clean and i'm the only animal living here
Mogger


I have a 3/2 all to myself


TFW when no gf
Losers let it happen, winners make it happen.

Nonsense Army Crew.
post 1687331373 07-28-2023, 01:33 AM
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#13
  1. BigTimeHustler
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Originally Posted By Ratfish⏩
nah, my house is clean and i'm the only animal living here
how many bedrooms is it? If it’s 1 you’re a bum
post 1687331383 07-28-2023, 01:33 AM
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#14
  1. sf813
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15% if you're a rentcel

30% if you're a mortgagecuck
post 1687331393 07-28-2023, 01:34 AM
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#15
  1. BigTimeHustler
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Originally Posted By Nonsense916⏩
Mogger


I have a 3/2 all to myself


TFW when no gf
Yeah anything less than 3 is bum-maxing, even if you live by yourself
post 1687332473 07-28-2023, 02:37 AM
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#16
  1. ClivesTriceps
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Bout 3.50%
Wort ew in th wold.
post 1687332483 07-28-2023, 02:38 AM
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#17
  1. OPGenesis
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No more than 25%
"I am a rational animal who occupies the intermediary position between angel and beast"

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post 1687332493 07-28-2023, 02:38 AM
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  1. isingmodel
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Waited till 28 to move out, now own a house with no mortgage

Lol at mortgagecels

Lol at rentcels even harder
Misc Crypto Crew
BTC to $200k
post 1687332593 07-28-2023, 02:43 AM
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Assuming net income (after taxes, and after 401k match), I strive to keep rent/mortgage below 30%. If we're just saying gross income then 23% or less.

I'm currently a rentcel, but because I don't have PMI, HOA, property taxes, maintenance, mortgage loan interest, total costs are cheap (though I obviously get no equity on my residence). Rent's about 25% of my take home atm.
post 1687334513 07-28-2023, 04:00 AM
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Originally Posted By isingmodel⏩
Waited till 28 to move out, now own a house with no mortgage

Lol at mortgagecels

Lol at rentcels even harder
how much was your house?
post 1687334593 07-28-2023, 04:03 AM
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#21
  1. baldbrah
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30% is realistic but you could essily go up to 50% and sacrifice for a while, since your mortgage doesn't go up but your earnings will.
post 1687335023 07-28-2023, 04:18 AM
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#22
  1. gbullock32
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Currently about 13% of my income gores to mortgage, but I lucked out buying in a market slump.
Short cuts to success are often paved with lies.
1/13/16: Massive hernia.
5/10/16: Finally back to lifting, light but improving.

Why Teens shouldn't cut/Lack of progress thread- http://forum.obnoxiousbrutes.com/showthread.php?t=169272763&p=1397509823#post1397509823
post 1687337273 07-28-2023, 05:34 AM
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  1. 4Bertuzzi4
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Paying like 50% of our take home pay right now, but that includes extra principal payments to hammer it down. Should be paid off in the next few years.

For reference, the home is well over a million, but that is average for where I live.
post 1687337403 07-28-2023, 05:37 AM
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#24
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Originally Posted By isingmodel⏩
Waited till 28 to move out, now own a house with no mortgage

Lol at mortgagecels

Lol at rentcels even harder
Das it Mane

This is what zoomers and millennials should be doing. Sacrifice the present, to enjoy a better future. Otherwise, it will be a lifetime of cope-maxxing
post 1687337473 07-28-2023, 05:40 AM
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#25
  1. nutsy54
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25% or less.
(With a 15-year fixed-rate).

"But the home I want would be 45%!"
Then buy less home
post 1687337553 07-28-2023, 05:42 AM
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#26
  1. IPoopStandingUp
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I cannot recommend spending more than 25% of net pay on mortgage, taxes, and insurance.
post 1687338593 07-28-2023, 06:14 AM
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#27
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currently at like 29%, that includes mortgage, taxes, insurance, electric, and internet. Doing fine on a single income, but would be better on a dual income. Chicks just dont want a dude with his **** together apprently.
post 1687339443 07-28-2023, 06:32 AM
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#28
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Get a duplex, rent half of it, have your whole mortgage paid by a rentcel.
When it comes your time to die, be not like those whose hearts are filled with the fear of death, so that when their time comes they weep and pray for a little more time to live their lives over again in a different way. Sing your death song and die like a hero going home.
post 1687342863 07-28-2023, 07:36 AM
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Less than 10%
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post 1687343723 07-28-2023, 07:48 AM
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Lol @ wanting no stress, pressure makes diamonds boyo
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