Rent Affordability Calculator
How much rent you can realistically afford.
Enter your values
Results update instantly as you type — no submit needed.
Results
- Maximum monthly rent
- $1,800.00
- Conservative target (after debts)
- $1,575.00
- Income landlords usually require
- $72,000.00 per year
- Rent-to-income ratio at max
- 30%
- Left for everything else
- $3,750.00
Working
- 1Max rent = ($72,000.00 ÷ 12) × 30% = $1,800.00
Quick answer
The standard guideline caps rent at 30% of gross income, and most landlords want annual income of at least 40× the monthly rent.
Max rent = gross monthly income × 0.30
How to use the Rent Affordability Calculator
- 1Enter your gross annual income before tax.
- 2Add your monthly debt payments.
- 3Adjust the percentage if you want to be stricter.
Frequently asked questions
Is the 30% rule outdated?
In high-cost cities many renters pay 40–50%, but above 30% you're formally 'rent burdened' and saving becomes very hard.
Do landlords use gross or net income?
Almost always gross — typically requiring 40× the monthly rent in annual gross income.