| Gross monthly income | 25 percent rent | 30 percent rent | Annual income |
|---|---|---|---|
| $5,000 | $1,250 | $1,500 | $60K |
How to read the table
The 25 percent column is a more conservative rent target. The 30 percent column is the common gross-income guideline. Neither column includes your utilities, debt, or required cash at move-in.
Why 25 percent can be useful
A lower rent share can leave more room for savings, transportation, groceries, insurance, and unexpected costs. It can also help if utilities are not included in rent.
Use the full calculator next
After finding a rough row, open the rent affordability calculator and enter your take-home pay, debt, utilities, roommates, and move-in fees.