Calculating Debt for Debt to Income RatioDebt to Income Ratio: To calculate debt, I included house payment, all utilities (garbage, water, sewer, gas/electricity), personal insurances (life, car,etc.), phone, cable, etc. The ratio was high.........is this the correct way to do it?August 18 2010 - Elk Grove00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.