Insight
Total household debt in the U.S. increased by $185 billion in Q2 2025. There are 67 cities in the U.S. where the average mortgage balance is $1 million or more.
America’s Debt-to-Income Map Reveals Key Stats About Local Real Estate Markets
Summary
This article discusses the importance of debt-to-income ratios (DTI) when investing in real estate, highlighting how lenders evaluate borrowers. It notes that markets with lower DTI ratios, such as those in the Midwest, may be more favorable for investors due to increased likelihood of loan approval. Hosts should consider the local DTI levels when making investment decisions and understand how the national debt and interest rates affect their ability to secure loans.
Key takeaway