HOME BUYING, EQUITY, AND BORROWING
Compare monthly rent with gross monthly income to make a transparent housing-cost scenario.
Your result
Enter your values and select Calculate. Your result stays on this device.
Percentage = first amount ÷ comparison amount × 100.
Uses only the two values entered. It does not set an approval threshold, recommendation, or eligibility outcome.
Rent-to-income expresses one month of rent as a share of gross monthly income. It gives renters a consistent way to compare housing scenarios without pretending that a single percentage can decide affordability for every household.
Use case
Compare monthly rent with gross monthly income to make a transparent housing-cost scenario. The stated formula, assumptions, and result limits remain visible so the calculation can be checked in context.
Use a clear rent to income calculator scenario with values you can verify before relying on the result.
Build a reliable scenario
Rent-to-Income Calculator helps you check a specific home & mortgages question with figures that apply to you. Compare monthly rent with gross monthly income to make a transparent housing-cost scenario. Compare monthly rent with gross monthly income to make a transparent housing-cost scenario. The stated formula, assumptions, and result limits remain visible so the calculation can be checked in context. Use a clear rent to income calculator scenario with values you can verify before relying on the result. The page keeps the method and limits visible so the result can be understood, compared, and checked instead of treated as an unexplained answer.
Prepare Monthly rent and Gross monthly income. Enter the full monthly rent for the home or apartment. Enter monthly gross income before taxes and deductions. Calculate the percentage for the current or proposed scenario. Review utilities, debt, transportation, household needs, deposits, and local eligibility rules separately. Keep units, dates, currency, and time periods consistent.
The stated method is: Percentage = first amount ÷ comparison amount × 100. Change one assumption at a time to see which input drives the result, then compare scenarios on the same basis.
Uses only the two values entered. It does not set an approval threshold, recommendation, or eligibility outcome. This shows a ratio, not an affordability decision. Debt, utilities, household needs, location, and program rules can materially change the picture.
Source and update
Last reviewed: 2026-08-10
Consumer Financial Protection Bureau — borrowing and mortgage guidanceMonthly rent is divided by gross monthly income and shown as a percentage.
No. Add utilities and other housing costs separately if they matter to your budget.
No. Landlord criteria, debt, credit, income documentation, household expenses, and local rules are separate from this ratio.
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