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Fannie Mae and Freddie Mac have historically had a 38% of your w-2 income is the maximum you can spend on all of your combined payments including property taxes, homeowners insurance and HOA fees; if any.They also entered the sub-prime business allowing people to have payments that go as high as 55%. This change contributed greatly to the current real estate situation. I suggest that you consider payments over 38% are not wise, are unsubstainable, and will not allow you to have any spending money
If anyone is getting 50%+ then there are two factors that the borrower/homeowner must have: Lots in savings and/or great equity.
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For Sale: $799,000
For Sale: $489,900
For Sale: $429,900