Калькулятор доступности аренды жилья

Как использовать этот калькулятор

Оцените максимальную сумму аренды исходя из вашего ежемесячного дохода по правилу 30% и требованию 3x дохода.

How the rent reference is estimated

The calculator shows rent as a percentage of gross monthly income and also shows rent plus recurring debt payments as a percentage of gross income. Its conservative reference rent is the lower of 30% of gross income or the amount left under a 36% rent-plus-debt ratio.

Example: income, debt and target rent

At $6,000 of gross monthly income, $500 in recurring monthly debt and $1,800 in target rent, the housing ratio is 30% and the modeled rent-plus-debt ratio is about 38.3%. Under this calculator’s conservative formula, the reference rent is $1,660. That is a budgeting signal, not an automatic reason a landlord will accept or reject an application.

Costs the calculator does not include

• Utilities, internet and renters insurance
• Parking, commuting and local transportation
• Application, move-in and lawful deposit amounts
• Taxes and payroll deductions
• Food, health care, family support and savings

Subtract these expenses from take-home pay in a separate monthly budget. Gross income ratios can be useful for comparison, but they do not show how much cash remains after taxes and local living costs.

Landlord screening varies

A landlord may use different income multiples, a tenant-screening report, rental history, references, a guarantor or other lawful criteria. Rules on application fees and deposits also vary by state and city. Read our guides to renting without a U.S. credit history and organizing proof of income.

Что нужно учитывать

Этот инструмент не собирает персональные данные, номер SSN или ITIN и служит исключительно для оценки.