What % of your monthly income is your mortgage/rent? This implies monthly income after paying taxes, health insurance/benefits needed, and contributing to retirement.
Should you expect the % to be higher if you live in the city?
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50% post tax, insurance, and retirement.
I've always disliked how real estate agents and landlords have such high income-to-rent ratio demands (like NYC's 40x tradition). If people want to spend a lot so they can live right near work and have more time and energy, they should be able to.
40% post tax, retirement,ESPP.