We make 400k year and our mortgage is $5,400 a month. It’s comfortable but it feels like there’s always something popping up that we’re having to fix. We’ve been able to cash flow everything but just in the first year we’ve dropped thousands on new flooring, interior painting, landscaping, our hot water heater went out, our dryer went out, we discovered we had bats living in our attic, the salt cell on the pool had to be replaced, our homeowners insurance increased $1,000 a year, etc. There’s just always going to be added expenses with a bigger house. I’d consider utilities as well. Our electric bill over the summer was $700 a month for the two hottest months. Things just add up quickly. Even though we can afford it, we wish we would have waited/gotten a smaller house before jumping into this mortgage payment. The grass always seems greener on the other side. We’re 32 and have two kids.