Have You Heard Of The 30% Rule?

🏡 Rethinking the 30% Rule: A Faith-Focused Look at Housing in 2025

You’ve probably heard this classic advice before:
“Don’t spend more than 30% of your income on housing.” 💰

But here’s the reality in 2025:
The average U.S. household now needs to spend 44.6% of its income just to afford a median-priced home. 😳📈

So what does that mean for you—especially if you're aiming to make wise, God-honoring decisions about where and how to live? 🙏

It means it’s time for a smarter, more personal approach.

➡️ One that reflects your values,
➡️ your unique financial picture,
➡️ and the season of life God has you in.

Not just a blanket percentage from a financial textbook. 📊

Here’s what we’re seeing every day:

✅ Some buyers with little debt are stretching past that 30%—and doing just fine.
😣 Others stay under that threshold and still feel overwhelmed.
❓Many are simply unsure what’s “safe” anymore.

The truth?

Affordability is deeply personal. ❤️
It’s not just about numbers—it’s about stewardship.

For believers, the question shifts from:
💭 “Can I afford this?”
to
🙌 “Is this wise?”
🏠 “Is this where God is leading my family?”

If you're asking those questions—know this:
You’re not alone.
You're part of a growing number of families who are seeking wisdom over worry and guidance over guesswork.

💬 How about you?
When it comes to housing affordability, do you still stick with the 30% rule?
How do you think through it as a follower of Christ?

Let’s talk about it in the comments or give us a call at (765) 305-5443 ---
we’d love to walk alongside you on this journey. 🤝✨