What is your PITI and HHI?

[Anonymous]

PITI 11k, HHI: 1.1m

[Anonymous]

HHI of about $600k this year. PITI is $7600. We bought with 10% down at 6.85%. Missed the boat by a few years but what can you do.

[Anonymous]

PITI $5850
HhI 1.1M

[Anonymous]

PITI $6,700
HHI $600K
Refi in 2019 at 2.25%

[Anonymous]

Anonymous wrote:HHI of about $600k this year. PITI is $7600. We bought with 10% down at 6.85%. Missed the boat by a few years but what can you do.

Op here - do you feel tight at this HHI?

We are putting 35% down at 6.75%.

[Anonymous]

Anonymous wrote:

Anonymous wrote:HHI of about $600k this year. PITI is $7600. We bought with 10% down at 6.85%. Missed the boat by a few years but what can you do.

Op here - do you feel tight at this HHI?

We are putting 35% down at 6.75%.

We don’t feel tight at all but we are just now trying for kids.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:HHI of about $600k this year. PITI is $7600. We bought with 10% down at 6.85%. Missed the boat by a few years but what can you do.

Op here - do you feel tight at this HHI?

We are putting 35% down at 6.75%.

We don’t feel tight at all but we are just now trying for kids.

Op - oh ok that makes more sense then. We have 3 kids daycare to elementary age. They are expensive!

[Anonymous]

Anonymous wrote:

Anonymous wrote:Our piti is zero. Good brag.

So you rent, or evading property taxes and have no homeowners insurance?

No, we own it. We bought a small cheap fixer upper and paid in a bit extra and did things like recast. Paid it off in 18 years. Homeowners and taxes are not a mortgage.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Our piti is zero. Good brag.

So you rent, or evading property taxes and have no homeowners insurance?

No, we own it. We bought a small cheap fixer upper and paid in a bit extra and did things like recast. Paid it off in 18 years. Homeowners and taxes are not a mortgage.

Do you know what PITI stands for?

[Anonymous]

HHI: $316,000
PITI: $7500
20 Percent down @ 7%
Purchased May 2024
Very tight due to kids in school but we don't pay for health insurance. I'm going back to work soon after a few years as a SAHM, one kid will be in public school in about a year. Also have a rental property that is in highly desirable area.

[Anonymous]

HHI: 475k
PITI: $4,500. It was $3,800 when we bought in 2014 but insurance has skyrocketed and taxes have gone up as well

This ratio isn’t as great as that of many posters in this thread but we’re comfortable. Maxing out retirement, a lot of other savings, and two kids in private school.

[Anonymous]

HHI 1.2 when we bought in 2020, now 1 mil as I went part time.

PITI: 5150 tax and insurance keep going up. It was $5000when we bought .
20% down 2.4% interest

[Anonymous]

Anyone here with normal incomes?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Our piti is zero. Good brag.

So you rent, or evading property taxes and have no homeowners insurance?

No, we own it. We bought a small cheap fixer upper and paid in a bit extra and did things like recast. Paid it off in 18 years. Homeowners and taxes are not a mortgage.

lol ......

[Anonymous]

Anonymous wrote:Anyone here with normal incomes?

Based on my neighbors’ jobs and home prices (nice but not ultra rich part of north Arlington) I’d estimate that the average is $350-400k HHI and $5-6k PITI. Most bought within the past 5 years. I think that is a much more accurate picture than what people post on DCUM.