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Our household income is less than 60k. Monthly note including everything except for monthly association fee is $614 ($390 of that is mortgage). I usually throw in at least an extra $400/month towards principle (essentially making a double mortgage payment). I could afford more of a home, but I like being able to make double payments and still be able to pay my bills and afford any modest emergencies that may arise. It's a modest home and a modest payment for a modest income couple.
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