Some experts suggest a more conservative "safety net": 30% of gross monthly income for mortgage payments.

Buying a House on One Income: A Comprehensive Guide Purchasing a home on a single income is achievable with strategic planning, disciplined budgeting, and utilization of available financial programs. While solo buyers lack a second income for safety, they often benefit from greater flexibility in choosing home types and locations. 1. Financial Foundations and Rules of Thumb

Solo buyers should explore low-down-payment loans that reduce upfront cash requirements: Single Family Housing Programs - USDA Rural Development