When it comes to figuring out 'how much house can I afford,' lenders typically look at your income, debts, credit score, and down payment—often using what’s called the 28/36 rule as a guide. But from my decades of experience navigating Tucson’s real estate landscape, I can tell you true affordability goes well beyond those numbers. It’s about understanding your personal finances, factoring in your lifestyle, and planning ahead for all housing-related expenses—property taxes, insurance, maintenance, and the unexpected. Whether you’re buying your first home or adding to your investment portfolio, making a wise move starts with seeing the full financial picture. That’s the approach I bring to every client conversation, so you’re not just buying a house—you're setting yourself up for lasting value.
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