How Much Home You Can ACTUALLY Afford by Salary in 2026

With record-high home prices and stubbornly high interest rates, buying a home in 2026 can feel impossible. But what if you knew exactly how much house you could afford based on your income, current mortgage rates, and real lender math?

In this video, I break down:
How much house you can afford by salary
What lenders actually look for (28% rule + DTI ratio explained)
The real costs of homeownership vs renting
How much income you’d need to buy a $10 million mansion

Whether you’re a first-time buyer, investor, or just curious what your salary gets you in 2026, this video gives you the real numbers, no hype, no fluff.

Hey there, I’m Joe and I'm on a mission to retire early with passive income through dividend stocks & cash-flowing real estate.

On this channel, you’ll find stock & real estate investing strategies and real-time portfolio updates.

My passive income goal? Reach $10,000/month to retire early.

I hope this content inspires you to reach financial freedom and take control of your time.

PS: I am not financial advisor & this content is for educational and entertainment purposes only. Please do your own research and consult a professional before you make financial decisions.

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TIMESTAMPS ⏰
00:00 INTRO
00:38 Renting
00:52 Costs of Owning
02:17 28% Rule (Affordability By Income)
03:59 50/30/20 Rule
04:37 Debt to Income Ratio
06:07 $10 Million Home

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