Lenders consider housing optimal at ≤ 28% of your gross monthly income, tight at 28–36%, and a stretch above that. Pick what feels right for your life.
Under $2,000/mo
Keep things very lean
$2,000 – $3,000/mo
Comfortable for most starter homes
$3,000 – $4,500/mo
Mid-market range in SWFL
$4,500+/mo
Move-up or waterfront budget