Prior to the rate hike, our mortgage was ~42% of our income.
Currently, we're sitting at ~53%.
I'm supposed to get a raise this year, but even then, I'd still be house-poor. But I very much echo EvoFire's sentiments of hunkering down with a CoV address, although for some entirely different reasons -- we're in a good neighbourhood and are still close to our parents. And bcos of the proximity, the grandparents are able to build a very good relationship with our kid while thoroughly enjoying the process themselves. The free daycare / after school care aspect is just icing on the cake.