Suppose you take out a 20-year mortgage for a house that costs $496,433. Assume the following:

-The annual interest rate on the mortgage is 4%.

-The bank requires a minimum down payment of 17% at the time of the loan.

-The annual property tax is 2.4% of the cost of the house.

-The annual homeowner's insurance is 1.1% of the cost of the house.

-The monthly PMI is $85

-Your other long-term debts require payments of $594 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.