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Keep the month-to-month costs of owning a house (principal, interest, taxes and insurance) under 28{d62f118b0e0b4de823b7414d55cf2ae4bc483f6d6bdadbf3dce244f1ea87a3c3} of your pre-tax revenue and your whole month-to-month debt funds (together with credit cards, auto loans and mortgage payments) under 36{d62f118b0e0b4de823b7414d55cf2ae4bc483f6d6bdadbf3dce244f1ea87a3c3} of your pre-tax earnings.