I take home $3,500-$3,600 per month and have a $320 montly car payment
Professor Freedom: A rule of thumb is 1/3 of your income on housing and, ideally, no more.
From a landlord's point of view or from a view of financial management.
The fact that you have a car payment instead of buying a car for cash says to not spend everything possible and instead improve savings.
You probably gross about $4400 a month, and should be approved at $1400 a month rent.
What you can afford takes a budget of all your expenses.
1/3 of your income.
You could be approved for $1200. per month rent.
$1200 – one-third of your income. Better yet if it would be $900 – one-fourth of your income.
probably 1200 a month