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What Is a Good Debt-to-Income Ratio?
A good debt-to-income ratio is a back-end ratio of 36% or under: housing plus every other monthly debt payment, divided by gross monthly income. On $7,500 gross income with $1,850 of housing and $620 of other debts, the back-end ratio is 32.93% — inside the healthy band, with $230 a month of room under 36%.
Asad · Nov 6, 2026 Read article →