How Much House Can You Afford In Lansing Michigan? | The 33% Rule Breakdown

Are you thinking about moving to Lansing Michigan? In this video, I break down how much house you can afford in Lansing Michigan using what I like to call the 33% Rule Breakdown. A lot of people ask me, “How do I really know what I can afford before talking to a lender?” Well, that’s exactly what we’re going to talk about today. The 33% Rule Breakdown is a super practical way to look at home affordability—it’s the sweet spot between Dave Ramsey’s stricter 25% rule and the 45% maximum some loan officers will approve. I walk you through real examples using different annual household income levels, from $500,000 all the way down to the median income of $55,000 here in the greater Lansing Michigan area.
You’ll see how I calculate the maximum monthly mortgage payment, estimated taxes, insurance, loan amount, and the total home price you could comfortably afford—assuming a 20% down payment and a 6.5% interest rate. My goal with this 33% Rule Breakdown is to help you understand what’s realistic and sustainable for your budget so you don’t end up house poor. Whether you’re a first-time buyer, upsizing, or just curious about how much house you can afford in Lansing Michigan, this guide gives you a clear, data-driven picture of what makes sense in today’s real estate market.
If you’re thinking about moving to Lansing Michigan be sure to give me a call, shoot me a text, send me an email, or schedule a Zoom call. I’d love to help you make a smooth move to Lansing Michigan!
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ᴛʀᴜꜱᴛᴇᴅ ʟᴏᴀɴ ᴏꜰꜰɪᴄᴇʀ:
𝐉𝐨𝐬𝐞𝐩𝐡 𝐒𝐚𝐦𝐛𝐚𝐞𝐫
Dart Bank
[email protected]
517-214-8484
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00:00 - Intro to How Much House Can You Afford In Lansing Michigan? | The 33% Rule Breakdownv
01:42 - Quick Overview - Lansing Michigan
01:54 - Dave Ramsey Philosophy - Lansing Michigan
06:30 - Income Level #1 $500,000 - Lansing MI
09:37 - Income Level #2 $200,000 - Lansing Michigan
11:30 - Income Level #3 $150,000 - Lansing Michigan
13:44 - Income Level #4 $100,000 - Lansing Michigan
15:12 - Income Level #5 $55,000 - Lansing Michigan
18:09 - Wrap up to How Much House Can You Afford In Lansing Michigan? | The 33% Rule Breakdown
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