What is the two point eight percent rule for calculating home affordability and does it actually work today?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What is the two point eight percent rule for calculating home affordability and does it actually work today?
3 real searches · 1 real-search pass
2026 mortgage affordability 28 percent rule debt to income housing costs current mortgage rates United States 2026Google ↗
OBSERVEDReason
CFPB debt-to-income ratio mortgage 28 percent rule home affordability guidanceGoogle ↗
OBSERVEDReason
Freddie Mac PMMS October 2026 30 year fixed mortgage rateGoogle ↗
OBSERVEDOther / navigational
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.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
2026 mortgage affordability 28 percent rule debt to income housing costs current mortgage rates United States 2026 Google ↗
CFPB debt-to-income ratio mortgage 28 percent rule home affordability guidance Google ↗
Freddie Mac PMMS October 2026 30 year fixed mortgage rate Google ↗
- Mortgage rates and affordability · myhome.freddiemac.com
- Freddie Mac Mortgage Market Survey Archive · freddiemac.com
- NAHB/Wells Fargo Cost of Housing Index (CHI) · nahb.org
- Home Ownership Affordability Monitor · atlantafed.org
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 mortgage affordability 28 percent rule debt to income housing costs current mortgage rates United States 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB debt-to-income ratio mortgage 28 percent rule home affordability guidance OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Freddie Mac PMMS October 2026 30 year fixed mortgage rate OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |