Your Financial Profile
Car loans, student loans, credit card minimums
Groceries, transportation, insurance, utilities, etc.
Affordability Analysis
Based on standard rental guidelines
30% Rule — Max Rent
$1,800/mo
HUD guideline: spend no more than 30% of gross income on rent
50% Rule — After Debt
$2,500/mo
50% of income minus debt payments = max for rent
Comfortable Rent Range (25-30%)
$1,500 – $1,800/mo
✅ Affordable (within 30%)
Your desired rent is 30.0% of gross income
DTI with rent: 38.3%
Remaining after 30% rent$2,300
Remaining with desired rent$2,300
💡 To afford $1,800/mo rent, you need a gross income of at least $72,000/yr (based on the 30% rule).
Data Source & Legal Disclaimer
Effective: 2026-01-01
Last updated: 2 weeks ago
Update frequency: Annual
Sources: HUD — Rental Burden Definition
The 30% rule is a general guideline. Your actual affordability depends on local cost of living, lifestyle, and financial goals. Landlords typically require income of 2.5-3× the rent. This is not financial advice.