{"id":3218,"date":"2026-10-26T17:00:00","date_gmt":"2026-10-26T17:00:00","guid":{"rendered":"https:\/\/www.marisacainhomes.com\/blog\/?p=3218"},"modified":"2026-10-26T17:00:00","modified_gmt":"2026-10-26T17:00:00","slug":"how-much-house-can-you-afford-at-7-rates-calculate-your-2026-homebuying-budget","status":"publish","type":"post","link":"https:\/\/www.marisacainhomes.com\/blog\/2026\/10\/26\/how-much-house-can-you-afford-at-7-rates-calculate-your-2026-homebuying-budget\/","title":{"rendered":"How Much House Can You Afford at 7% Rates? Calculate Your 2026 Homebuying Budget"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Mortgage rates are rising rapidly, with 30-year fixed rates expected to stay at or above 7% through 2028. Higher rates reduce home affordability and increase the salary needed to buy a house. Using the 28\/36 rule, no more than 28% of gross monthly income should go to housing payments. For example, a $2,000 monthly mortgage requires an annual income of at least $85,714 to afford it.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/money.usnews.com\/loans\/mortgages\/articles\/how-much-house-can-you-afford-at-7-rates-calculate-your-2026-homebuying-budget\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mortgage rates are rising rapidly, with 30-year fixed rates expected to stay at or above 7% through 2028. Higher rates reduce home affordability and increase the salary needed to buy a house. Using the 28\/36 rule, no more than 28% of gross monthly income should go to housing payments. For example, a $2,000 monthly mortgage [&hellip;]<\/p>\n","protected":false},"author":249,"featured_media":3219,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/3218","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/users\/249"}],"replies":[{"embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/comments?post=3218"}],"version-history":[{"count":1,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/3218\/revisions"}],"predecessor-version":[{"id":3350,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/posts\/3218\/revisions\/3350"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/media\/3219"}],"wp:attachment":[{"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/media?parent=3218"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/categories?post=3218"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.marisacainhomes.com\/blog\/wp-json\/wp\/v2\/tags?post=3218"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}