How Much Home Can You Really Afford in 2026? (3 Tiers of True Affordability)

Real Estate Wisdom with Vish · Jan 19, 2026 · 15m

Most buyers ask, “How much can I qualify for?”—but that question can lock you into years of financial stress. In this episode, Realtor® Vishal (Val) Kapoor shares the exact framework he used with his own daughter to decide how much home she could truly afford in 2026. You’ll learn the 3 tiers of affordability, how to find your real monthly comfort number, and 5 questions to answer before you stretch for a nicer place. Perfect for first-time buyers and families in Ontario who want a home that supports their life—not one that swallows it.