Rent-to-Income Ratio Calculator
The 30% rule and 3x-rent screening check, instantly.
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Rent-to-income ratio
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3x rent test
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Income needed (3x)
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Max rent at 30%
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Formula
Rent-to-income = rent ÷ gross monthly income × 100. Landlords: pair this with a full deal check in the rental property calculator. Renters: see the rent affordability calculator.
Frequently asked questions
What is the 30% rule?
Spending at most 30% of gross monthly income on rent — the standard affordability benchmark used by landlords, lenders and housing programs.
What does 3x the rent mean?
Most landlords require gross monthly income of at least 3 times the rent — equivalent to a 33% rent-to-income ratio.
Do landlords use gross or net income?
Almost always gross (pre-tax) income, including verifiable bonuses, and combined across co-applicants.