You will only include what reports to the credit bureaus and your new mortgage payment (with taxes, insurance, and possibly mortgage insurance depending on the product) in the debt-to-income ratio. Also be sure that you are using your GROSS monthly income when calculating that ratio. I'm a licensed mortgage broker in Tennessee and would love to help if you have any further questions!
Any of your debts that report to credit bureaus would count in your debt to income ratio, along with your new mortgage payment. Debts to consider would include student loans, credit cards, auto, and any other installment payments.
With a simple call to a mortgage broker, they could walk you through a simple process, letting you know what price range home would work for you. It's free and is well worth the few minutes it would take.
If you have someone you know already, give them a call. If not, here is a contact that a number of my clients have used and have been very pleased with. Use his live link to his website for additional information.
Home Mortgage Consultant
Wells Fargo Home Mortgage
Tel (615) 772-7823
Basically everything that you mentioned will NOT count in the DTI formula. Anything you HAVE to pay for will most definitely count (IE credit cards, school loans, car payments, etc.). Instead of going through the specific lists of items that will and won't count, I'd call a reputable lender and give him/her the basic info. I personally use a couple solid lenders. If you'd like their contact info please let me know. Good luck on your first time purchase and good job on the research beforehand.