You must be living in one of fancy new apartments on Lawrence exp-way or something. Let's assume your household income is 500k/pa which means you should get 300

You must be living in one of fancy new apartments on Lawrence exp-way or something. Let's assume your household income is 500k/pa which means you should get 300k net. You must be paying (30% of (300/12) is) 8.3k per month. Are you really paying that much? I live in Fremont, work in south-bay and I pay 2.5k/per month for my own house on mortgage, bought a year ago. I think you are overpaying by a lot.