Bar graphs are used to compare things between different groups or to track changes over time. However, when trying to measure change over time, bar graphs are best when the changes are larger. . . . an Area Graph. Area graphs are very similar to line graphs.
The typical bank limit on monthly mortgage payments is about 28 percent of your gross monthly income. Therefore, the bank thinks you can devote up to 28 percent of your household income to your mortgage payment and expenses (including taxes, insurance and association dues).
Household Debt to Income. The Federal Reserve Bank tracks how much of a U.S. household's income goes to pay its mortgage and other debts. In the first quarter of 2013, the average U.S. home-owning household paid 8.67 percent of its income in mortgage payments.