DTI Ratio: $1,500 Housing, $1,000 Debt, $6,000 Monthly Income
Calculate the DTI ratio for $1,500 monthly housing, $1,000 other debt, and $6,000 gross monthly income — the back-end DTI is 41.7%.
How to use this tool
- Enter your total monthly housing payment (mortgage/rent plus taxes and insurance).
- Add up your other monthly debt payments and enter the total.
- Enter your gross (pre-tax) monthly income.
- Read your back-end and front-end DTI percentages.
- Check the qualification status against the 36% / 43% thresholds.
See your total debt-to-income ratio with $1,500 in housing costs, $1,000 in other monthly debts, and $6,000 gross income.
Frequently asked questions
- What is a good debt-to-income ratio?
- A back-end DTI of 36% or below is considered strong. Up to 43% generally meets the Qualified Mortgage standard. Above 43% is high and may limit your loan options or require compensating factors.
- What debts are included in DTI?
- Include all recurring debt: mortgage or rent, auto loans, student loans, personal loans, and credit-card minimum payments. Exclude utilities, groceries, insurance you don't escrow, and other discretionary spending.
- Should I use gross or net income?
- DTI uses gross (pre-tax) monthly income — the figure lenders underwrite to. Using net income would overstate your ratio relative to lender guidelines.