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How much house can you afford?

@thejoehardy

2.6K followers · usually 4.5K views a post

Views

55.3K

Likes

357

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Why it worked

The video provides immediate, high-value utility by simplifying a complex financial decision into a clear, easy-to-read visual table that viewers can screenshot for future reference.

Summary

The creator explains a rule of thumb for determining how much house one can afford based on 30% of their monthly take-home pay. He uses a whiteboard to list various salary levels and the corresponding maximum monthly mortgage payment for each.

Structure

1Introduce the 30% rule for housing affordability
2Explain the logic of not being house poor
3Walk through a list of salary tiers and corresponding monthly payments
4Conclude with a question to the audience

Call to action

Drop AGREE or DISAGREE below

On-screen text

How Much House Can You Afford? Salary $40K $60K $80K $100K $120K $140K $160K $180K $200K $220K $ Monthly $ $820/mo $1180/mo $1510/mo $1830/mo $2130/mo $2420/mo $2700/mo $2970/mo $3220/mo $3460/mo

Transcript

How much house can you afford? Don't let your rent or your mortgage keep you broke. No more than 30% of your monthly take-home pay going towards your monthly payment, rent or mortgage. $40,000 annual salary, you can afford up to $820 per month. On a $60,000 salary, up to $1,180 per month. And $80,000, you have up to $1,510 per month. $100,000 up to $1,830 per month. At $120,000, it's $2,130 per month. $140,000, $2,420. $160,000, $2,700. $180,000, $2,970 per month. $200,000, $3,220 per month. Finally, $220,000 is $3,460 per month. How much house can you afford?

Original caption

Drop AGREE or DISAGREE below 👇 Most people are buying way more house than they can actually afford. Here's what you can COMFORTABLY afford based on 30% of your take-home pay (based on today's average 30-year fixed rate of 6.6%): 🏠 $50K salary → ~$145K home 🏠 $75K salary → ~$220K home 🏠 $100K salary → ~$295K home 🏠 $125K salary → ~$365K home 🏠 $150K salary → ~$435K home 🏠 $175K salary → ~$505K home 🏠 $200K salary →~$575K home 🏠 $225K salary → ~$650K home 🏠 $250K salary → ~$720K home The 30% rule isn't about limiting you — it's about protecting you. Being house poor means your mortgage gets paid every month, but your savings account stays empty. #Budgeting #HomeBuying #PersonalFinance #finance #FirstTimeHomeBuyer