The person likely is dual income. So, it might only be 3x their household income. Which is perfectly acceptable. Getting a home for 2x your household income is

The person likely is dual income. So, it might only be 3x their household income. Which is perfectly acceptable. Getting a home for 2x your household income is basically impossible in this day unless you’re one very lucky remote worker who enjoys living in the middle of nowhere. I’d say the upper threshold of 4x your annual income is where you’d likely want to throttle back. Any higher, you’re in very high risk or can’t afford it. But trying to get a home for below 3x your income? Basically impossible for most people.