Dave Ramsey Home Buying Guidelines Apr 2026

: For a family earning $200,000 combined, buying a $700,000 home using a 15-year mortgage at current rates often results in payments closer to 50% of take-home pay , double Ramsey's suggested limit.

“Ramsey's approach isn't about buying the most house possible; it's about reducing risk and avoiding being "house poor."” Facebook · The Island Packet · 1 week ago dave ramsey home buying guidelines

“His principles make sense for avoiding debt traps, but in the current market, they're quietly pushing families away from homeownership entirely.” Yahoo Finance · 2 months ago : For a family earning $200,000 combined, buying