Скачать или смотреть How Much House Can You ACTUALLY Afford In 2026? By Salary

In this video, I break down how much rent and house you can realistically afford in 2026 using real numbers, current mortgage rates (high-5s to low-6s), and the rules lenders actually use — not TikTok math, not Zillow fantasy numbers, and not maximum loan approvals.

Drop in the comments below if the affordability amount is more or less than you expected for the salary ranges? 👇👇

We’ll walk through:
• How much rent you can afford using the 30% rule — and why it breaks
• Why over-renting quietly delays homeownership
• The 28/36 rule lenders use to approve mortgages
• Real buying power at $40,000, $80,000, and $150,000 salaries
• Why approved ≠ affordable
• How debt, down payments, and location affect what you can buy
• A realistic 2026 home-buying game plan

I’ll also share my own experience moving from New York to Virginia and how changing locations completely changed our buying power. This video isn’t meant to scare you — it’s meant to give you clarity and a realistic path forward so you don’t become house-poor.

👇 Watch until the end to see which rule matters most and how to adjust your strategy in today’s market.

📌 TIMESTAMPS
00:00 Intro: How Much House Can You Afford in 2026?
01:10 The 30% Rent Rule Explained
02:27 Why the 30% Rule Is Broken Now
03:32 Mindset Shift: Renting vs Over-Renting
04:21 The New 2026 Housing Reality (Rates + Prices)
05:10 How Lenders Really Decide: The 28/36 Rule
05:51 Example: What You Can Afford on $40K Salary
07:01 Example: What You Can Afford on $80K Salary
08:40 Example: What You Can Afford on $150K Salary
09:59 2026 Home-Buying Game Plan & Next Steps

⚠️ Disclaimer:
This video is for educational purposes only and is not financial or mortgage advice. Always consult a licensed professional for your personal situation.👇