The rule of thumb for housing, financial experts will tell you, is that you aren’t supposed to pay more than 25 percent of your income in monthly rent or mortgage payments. I know a few people for whom that’s true, but only a few. You’re considered to be “cost-burdened” if you pay more than 30 percent of your income in rent and utilities, and a new study from Harvard’s Joint Center for Housing Studies found that in 2022—the most recent year for which data is available—the cost-burdened constitut