What's Your Real Mortgage Affordability? (Use the 28/36 Rule)

By $USFinNexus Editorial Team·May 15, 2026·7 min read

Learn how the 28/36 rule works and what it means for your mortgage affordability.

Key points

This comprehensive guide covers everything you need to know about this topic. Use USFinNexus calculators to model your specific scenarios.

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Finance & Mortgage Research Team

Based on CFPB, HUD, FHFA & Tax Foundation data

The USFinNexus editorial team researches and writes mortgage and personal finance guides using data sourced directly from the Consumer Financial Protection Bureau (CFPB), the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Finance Agency (FHFA), and the Tax Foundation. All calculator formulas are reviewed for accuracy against official federal guidelines.

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