How Much House Can You Really Afford In 2026 (By Salary) — The Real Math
Banks may approve you for a mortgage, but that doesn’t mean you can actually afford the house.
In this video, we run the real 2026 housing math by salary: $60,000, $100,000, and $175,000. We compare what the bank may approve, what rules like the 28/36 rule and 30/30/3 rule suggest, and what your actual monthly budget looks like after mortgage payments, property taxes, insurance, PMI, repairs, and opportunity cost.
The truth is simple: your mortgage approval number is designed around whether the bank gets paid, not whether you build wealth.
Before buying a home in 2026, learn how to calculate your real affordability number: your wealth-building margin.
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Disclaimer: This content is for entertainment and educational/informational purposes only and is not financial, medical, or psychological advice.