06/19/2026
Most buyers don’t think about this number… until it affects their ability to buy a home 👀
Your debt-to-income ratio (DTI) is one of the key things lenders look at to determine what you can afford.
It’s not just about how much you make 💰
It’s about how much you owe compared to your income.
Here’s how to calculate it:
➕ Add up your monthly debt payments
(credit cards, car loans, student loans, minimum payments)
➗ Divide that by your gross monthly income
(before taxes)
✖️ Multiply by 100 = your percentage
Example:
$2,000 in monthly debt ÷ $6,000 income = 33% DTI
Why it matters ⬇️
This number can directly impact your loan approval, buying power, and overall options in today’s market.
Knowing it ahead of time puts you in a much stronger position when you’re ready to make a move 🏡
Have questions about your numbers?
DM me DTI and I’ll help you break it down.
Looking to buy, sell or invest? Questions about the real estate market or process? Contact us! 📲
💚 The Green Group 💚 at Baird & Warner
☎️ 847-651-1796
📧 [email protected]
🌐 thegreengrp.com
📍1950 N Sedgwick St, Chicago, IL 60614
For more information about real estate and investing, check out our YouTube page: https://www.youtube.com/