What % of income for monthly payment consider okay

No one can can answer that except you. What are you comfortable with? A set percentage might not be the way to go. And it may depend on how long you finance a unit for. Don't let anyone tell you that you must pay cash-very few of us have that luxury. If it's "bite the bullet" for a lesser term so you are out of debit faster, then go for it. If you want a lower payment instead, take a longer term but not so long that you'll never get any equity in it. Your call, no one else's.