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The share of your gross income spent on housing; under about 28% is healthy.
The housing ratio measures rent or mortgage — plus property tax, insurance, and HOA — against your gross monthly income. Keeping it under roughly 28% leaves enough room for saving and other goals; going much higher makes a budget fragile.
$2,100 of housing costs on $8,000 of gross income is a 26% housing ratio.
Educational disclaimer: All content on WealthSerene.com is for educational purposes only and does not constitute investment advice. Projections and calculations are illustrative — actual results will vary based on market conditions, your specific situation, and many factors outside this tool’s scope. Always consult a qualified financial professional for advice specific to your situation. View full disclosures →