Do i include monthly phone, utilities (est.), and food expense when calculating my debt/income obligI'm trying to determine how much home I can afford. Do I include all these monthly expenses (food, utilities, etc.) or just long-term debt obligations?August 05 2010 - Sunnyvale00YesReport 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.