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Housing -Debt Ratio

Step 1:
Calculate Your Housing Ratio
Step 2:
Calculate Your Debt-to-Income Ratio
  • calculated by dividing your fixed monthly debt expenses by your gross monthly income. As a basic rule, the debt ratio should not exceed 36%.

Estimated Total Housing Expense (from above):
Total Monthly Installment Loan Payments (auto, student, other):
Total Monthly Credit Line Payments (credit cards, credit lines):
Monthly R. Estate Non-Income Loan Payments:
Monthly Alimony and Child Support Payments:
Monthly Tax and Legal Assessments:
Monthly Other Payments:

Total Monthly Income (from above):

Debt-to-Income Ratio (should be 36% or less): %
Debt Ration Barometer

  • 36% or less:
    debt level within acceptable range for most people.

  • 37%-42%:
    debt level a little high, need to take corrective action to bring debt level down. You may consider paying off or consolidating some of your debt.

  • 43%-50%:
    danger level, need to take immediate action before you lose control of your financial situation.

  • 50% or more:
    excessive debt loan, may need to seek credit counseling services.
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