# Debt-to-Income Ratio Explained: How Much House Can You Afford? - EP220

Page: https://stenobird.com/podcast/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192/debt-to-income-ratio-explained-how-much-house-can-you-afford-ep220
Text version: https://stenobird.com/podcast/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192/debt-to-income-ratio-explained-how-much-house-can-you-afford-ep220.md
Podcast: [The Educated HomeBuyer | First Time Home Buyer Tips, Mortgage Rates & Housing Market Updates](https://stenobird.com/podcast/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192)
Published: 2026-05-04T12:00:00+00:00
Episode link: https://podcasters.spotify.com/pod/show/theeducatedhomebuyer/episodes/Debt-to-Income-Ratio-Explained-How-Much-House-Can-You-Afford----EP220-e3irdnu
Audio file: https://anchor.fm/s/8568bb9c/podcast/play/119436478/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-4-4%2F423401907-44100-2-d911ea6b2824b.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192/episodes/debt-to-income-ratio-explained-how-much-house-can-you-afford-ep220
Duration seconds: 1875

## Resource

Can you really afford the home you want? In this episode, we break down debt-to-income ratio (DTI) and explain how lenders use your income, monthly debts, loan program, down payment, and mortgage payment to determine how much house you can qualify for. We also walk through the income needed to qualify for homes at different price points, including $300K, $500K, $750K, and $1M, so you can better understand what lenders are actually looking for before you start shopping. If you are a first-time homebuyer or trying to figure out how much house you can afford, this conversation will help you understand the mortgage approval math in plain English. ✅ Ready to buy a house in 2026? Start your stress-free journey today: theeducatedhomebuyer.com/start

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192/episodes/debt-to-income-ratio-explained-how-much-house-can-you-afford-ep220/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/the-educated-homebuyer-first-time-home-buyer-tips-mortgage-rates-housing-market-updates-5050192/debt-to-income-ratio-explained-how-much-house-can-you-afford-ep220.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.