The Salary Required To Buy A Home (Money Guy vs Ramsey)
7/15/20261 hr 4 min
Buying a house in 2026 is more challenging than ever—but how much income do you actually need? Brian and Rebie compare The Money Guy's home buying rule against Dave Ramsey's mortgage guideline using real-world numbers at every major price point. Learn how mortgage length, housing costs, down payments, affordability, and income requirements impact one of the biggest financial decisions you'll ever make. Whether you're a first-time homebuyer, deciding between renting vs. buying, or planning your next move, this breakdown explains the math behind smart homeownership without the hype. You'll also see why home affordability has changed dramatically, how mortgage payments compare across different price ranges, and why buying a home isn't just a math equation. We'll also show you our Home Buying Calculator so you can customize the numbers for your own financial situation.
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Transcript preview
First 90 secondsSpeaker 10:00
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Brian Preston· Host0:29
[upbeat music] Today, we're gonna answer an important question. What's the salary you need to make to buy a home?
Rebie· Host0:42
I am so excited, Brian, because this topic, not only is it a big financial decision, if not the biggest financial decision a lot of you may make in your time on this earth, it is a decision that you single-handedly really helped me make. I don't know if I would have a house right now, or at the time that I did, if it were not for The Money Guy rule. So I think I have you bullying me into not putting 20% down on my first house to thank for what turned into- Well, I- I- ... a very good financial decision ...
Brian Preston· Host1:12
was curious to know if you were gonna use the- the term bullying- [laughs] ... because that is kind of what Bo and I did I did not take it that way, but I know you've described it that way- Yes ...
Rebie· Host1:18
so I like to say it.
Brian Preston· Host1:19
So you guys know, Bo's tra- Well, I don't know if you know. B- obviously Bo does not look like Ribie, but Bo- I'm actually Ribie, not Bo ... is traveling with the family today. And we wanted to cover something, 'cause this is one of those things