The City with the Highest DTI Ratio Is … – NMP
Industry News

The City with the Highest DTI Ratio Is …

Nov 27, 2018
When it comes to a homebuyer’s debt-to-income (DTI) ratio, the city with the greatest debt level is Honolulu, according to a data analysis by Realtor.com

When it comes to a homebuyer’s debt-to-income (DTI) ratio, the city with the greatest debt level is Honolulu, according to a data analysis by Realtor.com.
 
Honolulu boasts a median list price of $692,600 and a median mortgage borrower’s DTI ratio of 45.1 percent. But the median household income in Honolulu is only $81,300, which may explain how the Hawaiian capital wound up at the top of this list.
 
Other cities with high DTI ratios including Riverside, Calif. (43.4 percent), Cape Coral, Fla. (43 percent), Lakeland, Fla. (43 percent) and El Paso, Texas (43 percent). At the other end of the spectrum, Huntsville, Ala., had the lowest DTI ratio at 33.6 percent.
 
However, Realtor.com noted that its data analysis covered 200 metro areas, but it limited itself to only two metros per state “to ensure some geographic diversity.” Thus, the only California markets on the list were Riverside and sixth-ranked Stockton—even though Realtor.com acknowledged a Federal Reserve report that found Californians have the highest debt in the country.
When it comes to a homebuyer’s debt-to-income (DTI) ratio, the city with the greatest debt level is Honolulu, according to a data analysis by Realtor.com
 
About the author
Phil Hall
Link copied
Published
Nov 27, 2018
Get the NMP Daily
Industry News
Newfi And Addy AI Announce Partnership

Newfi and Addy AI today announced a collaboration focused on the continued evolution of artificial intelligence in mortgage lending

Newfi and Addy AI today announced a collaboration focused on the continued evolution of artificial intelligence in mortgage lending.Newfi has built innovative lending products and a modern approach to the mortgage market. As the industry evolves, the company continues to exp...

Continue reading
Analysis and Data
Smaller Down Payments Give Buyers More Room, But Rates Limit The Savings

The typical down payment fell 9% from a year ago, while shifting market conditions are giving originators different affordability conversations across the country

Homebuyers are putting less money down than they were a year ago, another sign that increased inventory and greater negotiating room are changing the purchase market.The typical down payment fell to $27,100 in the second quarter of 2026, the lowest second-quarter dollar amou...

Continue reading
Renew your NMLS License — for free.

Enjoy access to a free NMLS renewal class when you attend an in-person event.

Find an event
More from
Industry News
CHLA: More Freddie Mac MBS Buying Could Narrow Mortgage Spreads

Trade group estimates greater Freddie participation could compress spreads another 10 to 12 basis points as Fannie has taken the lead in GSE mortgage-bond buying

Industry News
Sep 23, 2026
Early Loan-Limit Race Splits Into Three Tiers

Lenders are now offering $845,000, $847,440, or $850,000 before FHFA sets the official 2027 limits

Industry News
Sep 23, 2026
Better, Garg Clash Over Claimed 46% Shareholder Support

Better disputes its former CEO’s preliminary consent count as the two sides trade accusations and an Oct. 2 target date approaches

C-Suite Strategies
Sep 23, 2026
Fannie Changes How Rent From A Former Home Counts

Fannie now prohibits leases for departing residences and permits market-analysis tools instead of Form 1007, creating a key documentation difference from Freddie Mac

Regulation and Compliance
Sep 22, 2026
MPF Expands Eligibility For Manufactured And Renovation Loans

The Mortgage Partnership Finance Program has expanded MPF Traditional eligibility for affordable loans, manufactured homes, renovations, and lender-funded assistance

Industry News
Sep 22, 2026