Suppose you take out a 20-year mortgage for a house that costs $463,540. Assume the following: The annual interest rate on the mortgage is 4%. The bank requires a minimum down payment of 19% at the time of the loan. The annual property tax is 2.3% of the cost of the house. The annual homeowner's insurance is 1.1% of the cost of the house. The monthly PMI is $55 Your other long-term debts require payments of $589 per month. If you make the minimum down payment, what is the minimum gross monthly salary you must earn in order to satisfy the 28% rule and the 36% rule simultaneously? Round your answer to the nearest dollar.