DTI Ratio: $3,000 Housing, $1,200 Debt, $12,000 Monthly Income
Calculate the back-end DTI ratio for $3,000 monthly housing, $1,200 other debt, and $12,000 gross monthly income — the DTI is 35%.
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 debt-to-income ratio for a high-income household with $3,000 housing costs, $1,200 other monthly debts, and $12,000 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.