https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 14 May 2026 21:51:50 +0000 https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-897175 Sun, 30 Jun 2013 22:31:55 +0000 OklahomaMama 897175@https://boards.hellobee.com/ <p>We are closing next week...and our mortgage (PITI) is going to be 31% of take home pay., 22% of pre-tax. </p> <p>The only other debt we have though is DH's student loan, which is $300. Thank goodness. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-885680 Wed, 26 Jun 2013 10:55:16 +0000 prettylizy 885680@https://boards.hellobee.com/ <p>For the life of me I can't remember what we took home after taxes last year, but it's about 6.5% of our gross so I'd guess probably 13% of our net take home. That includes our property taxes but not our utilites. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-885630 Wed, 26 Jun 2013 10:41:11 +0000 Modern Daisy 885630@https://boards.hellobee.com/ <p>Our mortgage is 25% of our take home pay, but in NYC you also pay maintenance (which includes taxes, building services and your portion of the underlying mortgage of the building) so after that is factored in we're up to 38%. Not too bad for NYC, but I see we are super high compared to the rest of the country lol! </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-885592 Wed, 26 Jun 2013 10:28:52 +0000 MrsBrewer 885592@https://boards.hellobee.com/ <p>Our mortgage (which includes insurance, PMI, and taxes) is 27% of our take home </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-885572 Wed, 26 Jun 2013 10:22:01 +0000 chibee 885572@https://boards.hellobee.com/ <p>Yikes! Mine is a whopping 35%! This includes taxes &amp; insurance AND PMI, since we did not put down 20% (we put down a mere 10%). While we don't feel crunched financially, it would definitely be nice to have some of your numbers! </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-885393 Wed, 26 Jun 2013 09:25:46 +0000 MsMamaBear 885393@https://boards.hellobee.com/ <p>My house is paid for thankfully, so with only paying house insurance and property tax, it's 1% of my income. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-885323 Wed, 26 Jun 2013 09:08:20 +0000 LuLu Mom 885323@https://boards.hellobee.com/ <p>Morgage is 28%, with utilities it's like 35%.</p> <p>edit: Our morgage inclues taxes and house insurance. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-885311 Wed, 26 Jun 2013 09:05:53 +0000 oliviaoblivia 885311@https://boards.hellobee.com/ <p>Our rent is 18%. Our mortgage (when we ever win a bidding war) will be about 30%. Eventually our salaries will rise but the mortgage will always stay the same.<br /> I've done the 50% of income and it was so tough. You girls are strong. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-885286 Wed, 26 Jun 2013 09:01:10 +0000 ValentineMommy 885286@https://boards.hellobee.com/ <p>My DH is out of work, so our mortgage and property tax is 50% of my pay and it SUCKS. I've been managing paying everything by myself for quite some time though, so I guess I'm used to it. I blame our NJ property taxes - they're over $10k a year now. UGH. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-873084 Thu, 20 Jun 2013 20:37:34 +0000 plantains 873084@https://boards.hellobee.com/ <p>@NorCalWayfarer: yeah I love it here too much to leave but the mortgage and maintenance are crazy high. The only consolation is that we would be paying the same or more to rent. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-873039 Thu, 20 Jun 2013 20:31:00 +0000 HLK208 873039@https://boards.hellobee.com/ <p>34.5% ahhh. DH just got a promotion though and I think the percentage should be bumped down to 28% soon. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-873016 Thu, 20 Jun 2013 20:27:17 +0000 winniebee 873016@https://boards.hellobee.com/ <p>We have a really good mortgage b/c we put a lot down when we bought...BUT we live in Boston where housing prices are high. So, it was about 17% of our combined salaries. But we just sold our place AND went down to 1 salary....sooo...not sure about the new numbers yet! </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-873005 Thu, 20 Jun 2013 20:24:36 +0000 NorCalWayfarer 873005@https://boards.hellobee.com/ <p>@Plantains: Makes me want to leave the SF Bay Area :-( Ok not really, I love it here! But I don't love my mortgage.... </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-872996 Thu, 20 Jun 2013 20:21:56 +0000 plantains 872996@https://boards.hellobee.com/ <p>@NorCalWayfarer: me too! Makes me want to leave NYC. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862810 Mon, 17 Jun 2013 11:38:55 +0000 Rainbow Sprinkles 862810@https://boards.hellobee.com/ <p>33%.</p> <p>Yikes. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862794 Mon, 17 Jun 2013 11:32:23 +0000 NorCalWayfarer 862794@https://boards.hellobee.com/ <p>I'm shocked at how low the %s are! </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862735 Mon, 17 Jun 2013 11:07:04 +0000 Mrs. Pen 862735@https://boards.hellobee.com/ <p>@daniellemybelle: @mediagirl: I think that is a great idea as well! Both DH and I have a great relationship with my parents and it's something we considered as well. Unfortunately my parents place is very quaint and with kids still at home they just didn't have room for us. I wish I could do 6-12 months with them - we could save SO much!!! </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862539 Mon, 17 Jun 2013 10:03:26 +0000 Beebug 862539@https://boards.hellobee.com/ <p>13.5% mortgage, 18% with property taxes on my currently reduced mat leave income.</p> <p>New house (August!) will be 27%, 36% including property taxes, plus utilities of course, so it will be a *bit* of a jump, but when I go back to work in October, pay will increase again, but still....we'll just have to be a little more money conscious. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862527 Mon, 17 Jun 2013 09:55:56 +0000 mrsjyw 862527@https://boards.hellobee.com/ <p>our mortgage, tax, &amp; ins is about 13% of our income </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862524 Mon, 17 Jun 2013 09:54:09 +0000 DillonLion 862524@https://boards.hellobee.com/ <p>About 18-20% of our take home pay depending on bonuses. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862502 Mon, 17 Jun 2013 09:41:10 +0000 Mrs. Pickle 862502@https://boards.hellobee.com/ <p>Ours is about 15%. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862376 Mon, 17 Jun 2013 08:40:07 +0000 daniellemybelle 862376@https://boards.hellobee.com/ <p>@mrs. bird: Haha! Well, it hasn't happened yet so we will see :) I think it will help that our LO will be a newborn the majority of the time, so we'll already be in need of the help and used to a lack of normalcy! </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862366 Mon, 17 Jun 2013 08:37:23 +0000 mrs. bird 862366@https://boards.hellobee.com/ <p>@daniellemybelle: I asked my parents if I could do that once after my ex moved out... They said if I needed money they'd give me money but that there was no way I was moving back in with them (in their 5br house with just the 2 of them).... Awkward. :D glad it worked out better for you! </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862341 Mon, 17 Jun 2013 08:29:29 +0000 Alivoo01 862341@https://boards.hellobee.com/ <p>22% </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862290 Mon, 17 Jun 2013 08:02:02 +0000 daniellemybelle 862290@https://boards.hellobee.com/ <p>@mediagirl: Thanks! It's great to hear from someone who did it and lived to tell. :) It will be a big change, and we're moving in right before the baby is born, but I know it's the right decision for many reasons. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862253 Mon, 17 Jun 2013 07:44:27 +0000 Crisark 862253@https://boards.hellobee.com/ <p>under 10% before utilities </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862239 Mon, 17 Jun 2013 07:37:49 +0000 mediagirl 862239@https://boards.hellobee.com/ <p>@daniellemybelle: great idea about moving in with your parents for a while, if you can stomach it. I did that for 9 months when I didn't want to pay ridiculous DC prices and wanted to save for a house. I was able to save a nice chunk for a down payment! </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862228 Mon, 17 Jun 2013 07:32:52 +0000 regberadaisy 862228@https://boards.hellobee.com/ <p>It's just under 20% of our combined take home pay. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862227 Mon, 17 Jun 2013 07:32:49 +0000 tequiero21 862227@https://boards.hellobee.com/ <p>About 12% without utilities. </p> https://boards.hellobee.com/topic/what-percent-of-monthly-income-is-your-rentmortgage/page/2#post-862220 Mon, 17 Jun 2013 07:27:09 +0000 nana87 862220@https://boards.hellobee.com/ <p>I hate living in NYC for this reason! soooo much of our pay goes into rent it's ridiculous, and we actually have a really reasonably priced apartment considering it's Manhattan...I cannot wait until we move out of the city some day and can buy a house! </p>