Suppose you take out a 20-year mortgage for a house that costs $416,531. Assume the following:

• The annual interest rate on the mortgage is 4%.
• The bank requires a minimum down payment of 10% 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 1.0% of the cost of the house.
• The monthly PMI is $68
• Your other long-term debts require payments of $819 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?