Keep in mind that the amount of your monthly mortgage payment will be determined by your credit score and other criteria when determining how much income you need for a $200,000 mortgage. Lenders also try to avoid giving out loans that will exceed the "28/36 rule," which helps borrowers avoid taking on too much debt. Income is obviously a concern when mortgage issuers analyze loan applications to determine how much money they're willing to offer, but it's not the only one.

in this episode Aleem answers the question  - How much do you need to make to buy a 200k house?