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U.S. Housing Stability Intelligence
Household housing costs
Use this rent affordability calculator to compare rent and utilities with your gross household income. Adjust the housing percentage to see the rent budget and annual income implied by your assumptions.
No sign-up. Calculations run in your browser; calculator inputs are not saved or sent by this tool.
Example inputs are filled in. Replace them with your household amounts.
Include tenant-paid electricity, gas, water and sewer once. Exclude utilities already included in rent. The 30% starting target is adjustable; it does not account for taxes, debt, childcare or other household needs.
Your estimate
$1,350
At 30% of gross income, allowing $150 for utilities.
Rent + utilities
$1,650/mo
Share of gross income
33.0%
Annual gross income for this cost at 30%
$66,000
$150 per month above your selected housing target.
This is budget arithmetic, not a landlord approval, benefit eligibility result or guarantee of affordability. Amounts are rounded to the nearest dollar.
Optional local context
Choose from 22 selected HUD areas in our Florida and Georgia reports. You can calculate a budget for any location using your own rent above. These area estimates include applicable utilities and are not current asking rents, city-only measurements or voucher payment amounts.
Source snapshot: September 28, 2026. FY 2027 was scheduled for October 1, 2026, subject to valid local reevaluation requests. These are dated schedule comparisons, not a live program lookup. Check HUD for revisions and effective status.
At a 30% target, $60,000 in annual gross income allows $1,500 a month for rent and utilities combined. With $150 in tenant-paid utilities, that leaves $1,350 for rent. Your take-home pay and other costs may call for a lower target.
With $150 in utilities, the combined cost is $1,650 a month. Keeping that at 30% of gross income requires $66,000 annually. With no additional utilities, $1,500 a month corresponds to $60,000 a year at the same target.
It is a starting assumption for comparing housing cost with income. It is not a universal spending recommendation. Adjust it to explore your budget, including the effects of taxes, household size, transport, debt and savings.
No. HUD publishes broad-area gross-rent benchmarks for standard-quality units, generally at the 40th percentile. Gross rent includes applicable tenant-paid utilities. Actual listings, local payment standards and individual household payments can differ.
Monthly housing budget = annual gross income ÷ 12 × target percentage.
Rent budget = monthly housing budget − utilities, with a minimum of $0.
Annual income needed = (monthly rent + utilities) × 12 ÷ target percentage.
Use the percentage as a decimal in the formula: 30% = 0.30. This tool does not change HousingStabilityIQ scores.
Benchmark definitions: HUD Fair Market Rent documentation. For local structural conditions, browse housing profiles by state.