30 to 50% of a high take-home actually leaves you with quite a lot of disposable income. 30 to 50% of a low take-home is probably unsustainable. Not all costs a

30 to 50% of a high take-home actually leaves you with quite a lot of disposable income. 30 to 50% of a low take-home is probably unsustainable. Not all costs are directly proportional to housing costs in a housing bubble. Particularly for younger people, it makes a lot of sense to suffer the higher proportion on rent. Quality of life is much higher living centrally, and income will probably grow, while rents are usually a bit sticky.