Comfortable housing affordability on a Kenyan salary is governed by the Central Bank of Kenya's (CBK) 1/3rd Debt-to-Income (DTI) rule, which restricts monthly mortgage repayments to a maximum of 33.3% of your net monthly income. At current commercial mortgage rates averaging 13.5% p.a. over a 20-year tenure, your maximum home purchase price is approximately 2.5 to 3.0 times your annual gross salary...