{"id":28,"date":"2026-09-13T17:00:00","date_gmt":"2026-09-13T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/ericbergersrealestate-com\/2026\/09\/13\/u-s-families-need-36-for-home-payments-fyp\/"},"modified":"2026-09-13T17:00:00","modified_gmt":"2026-09-13T17:00:00","slug":"u-s-families-need-36-for-home-payments-fyp","status":"publish","type":"post","link":"https:\/\/www.ericbergersrealestate.com\/blog\/2026\/09\/13\/u-s-families-need-36-for-home-payments-fyp\/","title":{"rendered":"U.S. Families Need 36% for Home Payments | fyp"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/eric-bergers\/mortgages-family-income-remotion-videos-b09b\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>A median-income US family earning $106.8K now needed 36% of income for a median existing-home mortgage, or 34% for a median new home.<br \/>\nThat marked a jump from 32% in Early-Q1 2026 for both home types, showing ownership costs now sit further beyond traditional budgeting rules.<br \/>\nExperts said the 28\/36 and 30% rules still worked as starting points, but buyers needed a payment that still left room for savings.<br \/>\nExperts warned against equating loan approval with comfort, and urged buyers to keep emergency savings for repairs, utilities, furnishings, and other surprises.<br \/>\nPreparation steps included comparing mortgage offers, considering rate buydowns, boosting income or trimming expenses, and testing a future payment by saving it monthly.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A median-income US family earning $106.8K now needed 36% of income for a median existing-home mortgage, or 34% for a median new home. That marked a jump from 32% in Early-Q1 2026 for both home types, showing ownership costs now sit further beyond traditional budgeting rules. Experts said the 28\/36 and 30% rules still worked [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":78,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-28","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/28","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/comments?post=28"}],"version-history":[{"count":0,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/posts\/28\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/media\/78"}],"wp:attachment":[{"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/media?parent=28"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/categories?post=28"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ericbergersrealestate.com\/blog\/wp-json\/wp\/v2\/tags?post=28"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}