If your house payment (principal, interest, taxes, insurance) exceeds 25% of your household income I'm the bearer of bad news. It's time to move.
Payments more than 25% of your take-home pay create stress. The lawn is no longer as green, the patio no longer as peaceful, and the sound you hear is not just house character creaking, it's something breaking.
Don't turn a dream house into a nightmare. Do it right.