How Much House Can You REALLY Afford (By Income) скачать в хорошем качестве

How Much House Can You REALLY Afford (By Income)

Your mortgage broker will never tell you this. Your real estate agent will never tell you this. And your parents genuinely do not understand why it is so much harder for you than it was for them. A $400,000 home does not cost $2,150 a month. It costs $3,508. That $1,358 difference is the gap between a comfortable life and being completely house poor — and nobody in the room when you sign those papers has any reason to tell you. We ran the real numbers so you do not have to find out the hard way. ❌ The bank approved you for a mortgage you cannot actually afford ❌ Your real estate agent has no incentive to tell you the truth ❌ 80% of Americans cannot comfortably afford the median home price ❌ The income you actually need to buy a $400K home comfortably: $150,000 ❌ The income the bank approves you at: $98,000 ❌ The median first time buyer is now 40 years old ❌ 47% of first time buyers now need family money just for the down payment If you are making under $140,000 and looking at a $500,000 house — stop and watch this first. ═══════════════════════════════ 🔑 THE NUMBERS ═══════════════════════════════ ▸ Median US household income: $83,730 ▸ Median US home price: $415,000 ▸ Real monthly cost of a $400K home: $3,508 ▸ What the bank tells you it costs: $2,150 ▸ The gap: $1,358 every single month ▸ Income needed to afford it comfortably: $150,000 ▸ Income the bank approves you at: $98,000 ▸ Average hidden annual costs of homeownership: $21,400 ▸ Homeowners insurance increase since 2020: 48% ▸ Median first time buyer age in 2025: 40 years old ▸ First time buyers using family money: 47% ═══════════════════════════════ 🔍 TOPICS COVERED ═══════════════════════════════ how much house can i afford 2026 | real cost of buying a home | mortgage affordability | first time home buyer tips | housing market 2026 | house poor explained | 28 percent rule | debt to income ratio | PMI explained | property taxes | homeowners insurance crisis | rent vs buy 2026 | down payment savings | geographic arbitrage | house hacking | hidden costs of homeownership | housing affordability crisis | mortgage broker truth | salary needed to buy a house | housing market crash 2026 ═══════════════════════════════ ⚠️ DISCLAIMER ═══════════════════════════════ This video is for educational purposes only and does not constitute financial advice. Always consult a qualified financial professional before making major financial decisions. Data reflects publicly available statistics as of early 2026.