There are a lot of opinions on how this should look, so I'll give a few scenarios with estimates.

There's the lender's max approval. This is the lender viewpoint based on a 49.99% debt to income ratio and assuming no other monthly debts.

There's the Dave Ramsey 25 percent of net take home income rule.

And then there's somewhere in the middle, with 30 percent of your gross income.

This is assuming a 5 percent down payment and a 0.25 percent mortgage insurance factor for a conventional loan and zero other debt.

This also factors in state by state differences in property taxes and homeowners insurance. States with higher escrow payments will see a lower maximum purchase amount.

Below are the tables for an $80,000 salary.

part one lender max

StateLender Max
AL$468,300
AK$453,495
AZ$476,161
AR$452,647
CA$469,603
CO$464,732
CT$415,093
DE$477,532
FL$415,873
GA$435,147
HI$500,732
ID$480,848
IL$399,463
IN$450,888
IA$426,916
KS$410,403
KY$446,688
LA$385,901
ME$459,983
MD$458,471
MA$442,396
MI$428,125
MN$439,013
MS$436,107
MO$435,625
MT$446,623
NE$408,812
NV$474,088
NH$439,723
NJ$411,957
NM$455,905
NY$420,972
NC$452,793
ND$443,896
OH$420,497
OK$381,037
OR$459,423
PA$429,195
RI$435,423
SC$438,003
SD$440,817
TN$457,701
TX$359,857
UT$474,191
VT$435,739
VA$459,892
WA$461,797
WV$469,892
WI$441,112
WY$465,375

part two: 25% net income (Dave Ramsey's rule)

State25% Net
AL$148,456
AK$153,967
AZ$155,907
AR$137,639
CA$160,823
CO$147,324
CT$138,443
DE$162,128
FL$113,080
GA$130,877
HI$176,320
ID$161,820
IL$129,972
IN$148,093
IA$141,091
KS$121,604
KY$140,180
LA$74,038
ME$155,713
MD$153,832
MA$143,941
MI$135,267
MN$140,557
MS$124,244
MO$132,464
MT$143,461
NE$126,537
NV$156,680
NH$150,589
NJ$135,307
NM$144,044
NY$138,697
NC$140,151
ND$145,797
OH$138,541
OK$82,937
OR$155,524
PA$142,713
RI$138,033
SC$127,303
SD$143,428
TN$138,673
TX$69,043
UT$159,580
VT$147,939
VA$153,385
WA$156,786
WV$152,888
WI$147,564
WY$149,971

part three: 30% gross income (somewhere in between)

State30% Gross
AL$263,636
AK$261,832
AZ$271,236
AR$251,077
CA$272,019
CO$261,628
CT$238,070
DE$275,709
FL$222,120
GA$240,450
HI$293,145
ID$276,707
IL$227,020
IN$257,135
IA$244,021
KS$225,604
KY$250,559
LA$186,345
ME$265,285
MD$263,537
MA$251,420
MI$240,730
MN$248,036
MS$236,551
MO$241,636
MT$252,635
NE$228,188
NV$271,050
NH$254,711
NJ$234,933
NM$256,349
NY$240,349
NC$252,737
ND$253,147
OH$240,077
OK$190,288
OR$264,963
PA$245,880
RI$245,128
SC$239,190
SD$250,521
TN$253,560
TX$173,769
UT$272,876
VT$251,580
VA$263,763
WA$266,625
WV$267,045
WI$253,276
WY$263,552

part four: All three side by side

StateLender Max30% Gross25% Net
AL$468,300$263,636$148,456
AK$453,495$261,832$153,967
AZ$476,161$271,236$155,907
AR$452,647$251,077$137,639
CA$469,603$272,019$160,823
CO$464,732$261,628$147,324
CT$415,093$238,070$138,443
DE$477,532$275,709$162,128
FL$415,873$222,120$113,080
GA$435,147$240,450$130,877
HI$500,732$293,145$176,320
ID$480,848$276,707$161,820
IL$399,463$227,020$129,972
IN$450,888$257,135$148,093
IA$426,916$244,021$141,091
KS$410,403$225,604$121,604
KY$446,688$250,559$140,180
LA$385,901$186,345$74,038
ME$459,983$265,285$155,713
MD$458,471$263,537$153,832
MA$442,396$251,420$143,941
MI$428,125$240,730$135,267
MN$439,013$248,036$140,557
MS$436,107$236,551$124,244
MO$435,625$241,636$132,464
MT$446,623$252,635$143,461
NE$408,812$228,188$126,537
NV$474,088$271,050$156,680
NH$439,723$254,711$150,589
NJ$411,957$234,933$135,307
NM$455,905$256,349$144,044
NY$420,972$240,349$138,697
NC$452,793$252,737$140,151
ND$443,896$253,147$145,797
OH$420,497$240,077$138,541
OK$381,037$190,288$82,937
OR$459,423$264,963$155,524
PA$429,195$245,880$142,713
RI$435,423$245,128$138,033
SC$438,003$239,190$127,303
SD$440,817$250,521$143,428
TN$457,701$253,560$138,673
TX$359,857$173,769$69,043
UT$474,191$272,876$159,580
VT$435,739$251,580$147,939
VA$459,892$263,763$153,385
WA$461,797$266,625$156,786
WV$469,892$267,045$152,888
WI$441,112$253,276$147,564
WY$465,375$263,552$149,971

Hopefully this helps!