Anonymous
Post 11/17/2025 21:20     Subject: 200K salary
Anonymous wrote:
Anonymous wrote:I would not do more than $2K a month as you have utilities, activities, food, clothing, car, insurance, etc.


Come on now.


She needs to save a few thousand a month, college savings, retirement, etc.
Anonymous
Post 11/17/2025 21:20     Subject: 200K salary
This is a bizarre question. How do people with no common sense make so much money? Figure out your expenses and run a mortgage calculator. Look at the numbers it throws out. Decide the level of risk you are comfortable with.
Anonymous
Post 11/17/2025 21:17     Subject: 200K salary
I wouldn’t buy and would rent long-term. Your $500K will conservatively double every 7 years in VOO or similar. Invest your $ and rent something for $3K or less a month. You already own an investment property so there’s no need to buy just to get on the property ladder. The math for your situation clearly shows renting as the winner.
Anonymous
Post 11/17/2025 21:17     Subject: 200K salary
Anonymous wrote:I would not do more than $2K a month as you have utilities, activities, food, clothing, car, insurance, etc.


Come on now.
Anonymous
Post 11/17/2025 21:17     Subject: 200K salary
Anonymous wrote:No more than $4000/month.


This is what I think too.
Anonymous
Post 11/17/2025 21:00     Subject: Re:200K salary
Anonymous wrote:Yes, I have separate rental income that I’m saving for retirement. Please focus on the question I asked.


You have a rental property, so this is not your first rodeo, no?
Anonymous
Post 11/17/2025 20:57     Subject: 200K salary
On $200k I’d want it under $3k per month, so maybe $750k house (250k mortgage/500 down)? With 2 young kids you have a decade of childcare and unknowns ahead of you, and it’s just you. That gives you wiggle room if you need it.
Anonymous
Post 11/17/2025 20:47     Subject: 200K salary
I would not do more than $2K a month as you have utilities, activities, food, clothing, car, insurance, etc.
Anonymous
Post 11/17/2025 20:36     Subject: Re:200K salary
Anonymous wrote:Yes, I have separate rental income that I’m saving for retirement. Please focus on the question I asked.


Yikes. You’ll get no help with that attitude. I’m not the person who asked but it’s legitimate in trying to help determine a budget. Figure it out yourself.
Anonymous
Post 11/17/2025 19:03     Subject: 200K salary
Sorry, $3000.
Anonymous
Post 11/17/2025 19:02     Subject: 200K salary
No more than $4000/month.
Anonymous
Post 11/17/2025 19:02     Subject: 200K salary
You could probably afford $800k to $850k. Assuming you put the entire $500K down.

That child care bill is killer.

Anonymous
Post 11/17/2025 18:55     Subject: Re:200K salary
Yes, I have separate rental income that I’m saving for retirement. Please focus on the question I asked.
Anonymous
Post 11/17/2025 18:47     Subject: 200K salary
Anonymous wrote:Hello, i make $200K/year and have $500K put down for a downpayment. I don’t have any debt to pay off. I bring in $12K/month after taxes. $3K for childcare. What should my monthly mortgage payment look like? What’s the max value home you recommend that I can afford. Stable job, 2 young kids. Single mom. Looking at McLean or Vienna.


$200k salary bringing home $12k/month after taxes would mean you’re saving $0 for retirement. Do you have some other rental income/trust fund? Because this math isn’t working.
Anonymous
Post 11/17/2025 18:43     Subject: 200K salary
Hello, i make $200K/year and have $500K put down for a downpayment. I don’t have any debt to pay off. I bring in $12K/month after taxes. $3K for childcare. What should my monthly mortgage payment look like? What’s the max value home you recommend that I can afford. Stable job, 2 young kids. Single mom. Looking at McLean or Vienna.