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Started By
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What % of your net take home pay is your mortgage payment?
Posted on 4/7/26 at 1:07 pm
Posted on 4/7/26 at 1:07 pm
Anyone that bought/refinanced during covid doesn't need to answer lol
35
Posted on 4/7/26 at 1:16 pm to Brobocop
8%/month
Been in house since 2004, they were cheaper back then
Been in house since 2004, they were cheaper back then
This post was edited on 4/7/26 at 1:17 pm
Posted on 4/7/26 at 1:26 pm to Brobocop
At least it isn't some crazy, sky-high percentage like "fifty".
Posted on 4/7/26 at 1:42 pm to Brobocop
House and condo combined are about 25%
Posted on 4/7/26 at 1:44 pm to Brobocop
I budget based on 2 paychecks per month instead of 26 paychecks per year. So using 2 paychecks per month, my "mortgage" (not escrow) is 15.5% of my monthly take home.
If I change this to annual take home the "mortgage" is about 14.3%.
If I change this to annual take home the "mortgage" is about 14.3%.
Posted on 4/7/26 at 1:48 pm to Brobocop
About 26% including taxes & insurance.
Posted on 4/7/26 at 1:51 pm to DarthRebel
quote:
8%/month
Same. Kinda estimating net though. It varies year to year.
Posted on 4/7/26 at 2:01 pm to Brobocop
11%
Bought in 2016. 3.625 rate
Small family, 2200 sq ft. We've elected to stay in it for the time being. It's old, but it's a solid house in a good neighborhood, with no threat of invasion.
If we were to "upgade" (400 more sq ft and a little nicer) in our neighborhood, it would turn into 25-30% of take home QUICK. And that's not even factoring in property taxes and insurance on a house that I'd be paying double what I paid for the current one. Could use a good 50k dropped into it, but that introduces the whole "is that actually worth doing... how long are we going to be here...." thought process.
Bought in 2016. 3.625 rate
Small family, 2200 sq ft. We've elected to stay in it for the time being. It's old, but it's a solid house in a good neighborhood, with no threat of invasion.
If we were to "upgade" (400 more sq ft and a little nicer) in our neighborhood, it would turn into 25-30% of take home QUICK. And that's not even factoring in property taxes and insurance on a house that I'd be paying double what I paid for the current one. Could use a good 50k dropped into it, but that introduces the whole "is that actually worth doing... how long are we going to be here...." thought process.
Posted on 4/7/26 at 2:11 pm to Brobocop
12% of our take home. I don't love our house, I'd sell it and upgrade in a second. However, my wife and kids love it and it it's redeeming qualities are it's half way between our jobs and makes commutes easier and because it was so affordable when we bought it (2015) we've been able to pour money into retirement accounts, brokerage, and we can pretty do what we want without having to stress about money.
Posted on 4/7/26 at 2:47 pm to Brobocop
It was 13% of our net take-home pay, but we just started an addition, so that's going to increase as we draw some from the heloc. Still cheaper than moving.
Posted on 4/7/26 at 2:47 pm to Brobocop
Currently 5% but about to move and it will become 13%. That is assuming my wife can maintain the renovation budget.
Posted on 4/7/26 at 2:49 pm to Brobocop
15% , before I paid it off last year.....zero now....but 4% for property tax and insurance..... property tax and insurance will be 12.5% of SS, when I retire soon
Posted on 4/7/26 at 2:51 pm to Brobocop
22%
Incl tax and insurance
Also based on 2 paychecks per month as someone said above
Incl tax and insurance
Also based on 2 paychecks per month as someone said above
This post was edited on 4/7/26 at 2:55 pm
Posted on 4/7/26 at 3:19 pm to Upperdecker
ill be going from 8% to 20% soon and im not happy about it.
Posted on 4/7/26 at 3:33 pm to Brobocop
Mortgage and property tax is probably about 50% of my take home per month
Posted on 4/7/26 at 3:35 pm to SuperSaint
3.4% (tax & insur incl)
Posted on 4/7/26 at 3:37 pm to Brobocop
Paid off. Taxes and insurance run about 1k a month but I pay those lump sum each year.
Posted on 4/7/26 at 3:43 pm to Brobocop
26% and wish I'd bought a bit more. It will gradually come down as my pension income increases w inflation so I'm unconcerned.
Posted on 4/7/26 at 3:44 pm to Brobocop
11.34%
We have 3.5 years to go. Hope to have it in 24 months.
2 years after that will be time to retire.
We have 3.5 years to go. Hope to have it in 24 months.
2 years after that will be time to retire.
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