Debt-to-Income Chart by Monthly Income
The largest housing payment that still clears 43% and 50% back-end DTI, at every income from $3,000 to $20,000 a month, holding other debts at $950. It answers the question a DTI percentage does not: given what you already owe, how big a payment is left.
Source data and formula checked · How we check
Debt-to-Income Chart by Monthly Income reads back-end dti straight off gross monthly income, for 22 values from 3000 to 20000. Every row is computed from the same formula the calculator uses, not measured or copied from another table, so a value between two rows can be worked out the same way. The formula is the one published by US CFPB.
Assumes $950 a month of car, student and card payments. Subtract a dollar of other debt and a dollar comes off both columns.
| Gross monthly income (usd) | Back-end DTI | Largest housing payment at 43% | Largest housing payment at 50% |
|---|---|---|---|
| 3000 | 101.7 % | $340 | $550 |
| 3500 | 87.1 % | $555 | $800 |
| 4000 | 76.3 % | $770 | $1,050 |
| 4500 | 67.8 % | $985 | $1,300 |
| 5000 | 61.0 % | $1,200 | $1,550 |
| 5500 | 55.5 % | $1,415 | $1,800 |
| 6000 | 50.8 % | $1,630 | $2,050 |
| 6500 | 46.9 % | $1,845 | $2,300 |
| 7000 | 43.6 % | $2,060 | $2,550 |
| 7500 | 40.7 % | $2,275 | $2,800 |
| 8000 | 38.1 % | $2,490 | $3,050 |
| 8500 | 35.9 % | $2,705 | $3,300 |
| 9000 | 33.9 % | $2,920 | $3,550 |
| 9500 | 32.1 % | $3,135 | $3,800 |
| 10000 | 30.5 % | $3,350 | $4,050 |
| 11000 | 27.7 % | $3,780 | $4,550 |
| 12000 | 25.4 % | $4,210 | $5,050 |
| 13000 | 23.5 % | $4,640 | $5,550 |
| 14000 | 21.8 % | $5,070 | $6,050 |
| 15000 | 20.3 % | $5,500 | $6,550 |
| 17500 | 17.4 % | $6,575 | $7,800 |
| 20000 | 15.3 % | $7,650 | $9,050 |
Questions people actually ask
- How do I read the Debt-to-Income Chart by Monthly Income?
- Find your gross monthly income in the first column and read across. At 3000 usd the back-end dti is 101.7 %; at 20000 usd it is 15.3 %. The table runs from 3000 usd to 20000 usd in 22 rows.
- Can I read between two rows?
- Not by splitting the difference. The back-end dti does not change by the same amount from row to row, so the midpoint of two rows is not the answer for the midpoint of two gross monthly income values. Put the exact figure into the calculator instead — it uses the same formula that produced every row here.
- What if my gross monthly income is outside the table?
- The chart covers 3000 usd to 20000 usd, which is the range people actually look up. Anything above or below goes into the calculator, which takes any figure and shows each step of the working rather than only the result. Open the debt-to-income ratio calculator.
- Where do these numbers come from?
- Every row is computed at build time from the formula published by US CFPB, by the same code behind the calculator — not transcribed from another table, which is how a rounding error in one chart ends up in twenty.
Need a different number?
The chart covers the common values. For anything between the rows, the debt-to-income ratio calculator takes any figure and shows the working.
Source: US CFPB — Qualified Mortgage definition: the General QM final rule replaced the 43% DTI limit with a price-based threshold, Fannie Mae Selling Guide B3-6-02 — debt-to-income ratios, HUD Handbook 4000.1 — FHA single family housing policy, US CFPB — what is a debt-to-income ratio