Yes. Property taxes are part of your housing payment for DTI purposes, along with insurance, mortgage insurance, and HOA dues. Your qualifying housing payment includes principal and interest, property taxes, homeowners insurance, mortgage insurance if your loan carries it, and any HOA dues. Your back-end (total) ratio then adds every other debt reporting on your credit. That full picture is what gets measured against your gross income. On maximums, the ceilings vary by program, and these are numbers you have to be approved into, not defaults everyone gets: - FHA: with an automated approval, 46.99% housing and 56.99% total DTI. Those figures reflect where FHA's automated system tends to draw the line rather than a published rule, and compensating factors plus lender overlays decide who actually reaches them. - Conventional: up to 50% total DTI when Fannie Mae's or Freddie Mac's automated system approves the file. Well-qualified borrowers with strong reserves are the ones most likely to reach the top; many files land closer to 45%. - VA: no hard written maximum. VA treats 41% as a benchmark and leans on automated underwriting plus a residual income test, the money left over each month after your obligations. Any flat VA cap you hear quoted is a lender overlay. Confirm current requirements for whichever program you use, since guideline details change. The practical takeaway: your qualifying payment is the whole payment, taxes and insurance included, so build those into your budget from the start.