{"id":22,"date":"2026-09-18T14:00:00","date_gmt":"2026-09-18T14:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/jerrymarbury-com\/2026\/09\/18\/how-much-house-can-i-afford-mortgage-affordability-explained\/"},"modified":"2026-09-18T14:00:00","modified_gmt":"2026-09-18T14:00:00","slug":"how-much-house-can-i-afford-mortgage-affordability-explained","status":"publish","type":"post","link":"https:\/\/www.jerrymarbury.com\/blog\/2026\/09\/18\/how-much-house-can-i-afford-mortgage-affordability-explained\/","title":{"rendered":"How much house can I afford? Mortgage affordability explained"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>When it comes to figuring out &#039;how much house can I afford,&#039; lenders typically look at your income, debts, credit score, and down payment\u2014often using what\u2019s called the 28\/36 rule as a guide. But from my decades of experience navigating Tucson\u2019s real estate landscape, I can tell you true affordability goes well beyond those numbers. It\u2019s about understanding your personal finances, factoring in your lifestyle, and planning ahead for all housing-related expenses\u2014property taxes, insurance, maintenance, and the unexpected. Whether you\u2019re buying your first home or adding to your investment portfolio, making a wise move starts with seeing the full financial picture. That\u2019s the approach I bring to every client conversation, so you\u2019re not just buying a house\u2014you&#039;re setting yourself up for lasting value.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.azcentral.com\/story\/money\/personalfinance\/real-estate\/how-much-house-can-i-afford\/91195972007\/\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to figuring out &#039;how much house can I afford,&#039; lenders typically look at your income, debts, credit score, and down payment\u2014often using what\u2019s called the 28\/36 rule as a guide. But from my decades of experience navigating Tucson\u2019s real estate landscape, I can tell you true affordability goes well beyond those numbers. [&hellip;]<\/p>\n","protected":false},"author":184,"featured_media":53,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/posts\/22","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/users\/184"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/comments?post=22"}],"version-history":[{"count":0,"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/posts\/22\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/media\/53"}],"wp:attachment":[{"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/media?parent=22"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/categories?post=22"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jerrymarbury.com\/blog\/wp-json\/wp\/v2\/tags?post=22"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}