Suppose you take a 15-year mortgage for a house that costs $243,610. Assume the following:

• The annual interest rate on the mortgage is 3.6%.
• The bank requires a minimum down payment of 8% of the cost of the house.
• The annual property tax is 1.9% of the cost of the house.
• The annual homeowner's insurance is $956.
• The monthly PMI is $93.

If you make the minimum down payment, what is the minimum gross monthly salary you must earn in order to satisfy the 28% rule?

Round your answer to the nearest dollar.