Rent-to-Income Calculator
Rent-to-income ratio is the number landlords screen on and the number budgets live or die by. Enter a specific rent and income to see where you land against common thresholds.
Rent-to-income ratio
33.8%
Above the common 30% benchmark.
- Share of take-home pay
- 43.4%
- Income typically required (40x rent)
- $88,000
- Gap to 40x requirementYou may need a guarantor or co-signer.
- $10,000
- Left after rent (take-home)
- $2,870
What this means
A $2,200 rent on $78,000 of gross annual income is 33.8% of gross pay and about 43.4% of estimated take-home pay.
Screening standards vary by landlord and market. A ratio above the threshold does not automatically disqualify you — a guarantor, larger deposit, or documented savings can offset it.
How this calculation works
- The ratio is monthly rent divided by gross monthly income.
- Many landlords require gross annual income of at least 40 times the monthly rent, equivalent to a 30% ratio.
- Take-home ratio uses an estimated effective tax rate to show what the rent feels like in practice.
All results are estimates based on the assumptions you enter. RE View does not provide financial, tax, or lending advice.
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Related guides
- How Much Rent Can I Afford?
The 30% rule, what landlords actually screen for, and how to set a rent budget that survives the rest of your life.
- What Is a Guarantor?
When a landlord asks for a guarantor, what it obligates, and the alternatives.
- What Is a Co-Signer?
How a co-signer differs from a guarantor, and what each party takes on.