Is a 28/36 debt-to-income ratio still the gold standard for calculating a sustainable monthly housing budget in high cost of living metropolitan statistical areas?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Is a 28/36 debt-to-income ratio still the gold standard for calculating a sustainable monthly housing budget in high cost of living metropolitan statistical areas?
3 real searches · 1 real-search pass
28/36 rule mortgage debt to income ratio CFPB housing costs affordability residual income high cost metropolitan areasGoogle ↗
OBSERVED
Fannie Mae maximum debt to income ratio 36 45 50 percent mortgage selling guideGoogle ↗
OBSERVED
HUD housing cost burden 30 percent income definition residual income affordability household budgetGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
28/36 rule mortgage debt to income ratio CFPB housing costs affordability residual income high cost metropolitan areas Google ↗
Fannie Mae maximum debt to income ratio 36 45 50 percent mortgage selling guide Google ↗
HUD housing cost burden 30 percent income definition residual income affordability household budget Google ↗
- everycrsreport.com · everycrsreport.com
- everycrsreport.com · everycrsreport.com
- NAHB/Wells Fargo Cost of Housing Index (CHI) · nahb.org
- § 1026.43 Minimum standards for transactions secured by a dwelling. · consumerfinance.gov
- Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling · consumerfinance.gov
- Debt-to-Income Ratios · selling-guide.fanniemae.com
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
28/36 rule mortgage debt to income ratio CFPB housing costs affordability residual income high cost metropolitan areas OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
Fannie Mae maximum debt to income ratio 36 45 50 percent mortgage selling guide OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
HUD housing cost burden 30 percent income definition residual income affordability household budget OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |