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Renters
Rent Qualification Calculator
Will the landlord approve your application? Find out if your income qualifies you for your target apartment using the standard 30% and 40x rules.
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How to use this calculator
- Enter your gross monthly income (before taxes).
- Add your monthly debt payments (car, credit cards, loans).
- Enter the target monthly rent for the apartment.
- Select your state and credit score range.
What your results mean
Most US landlords use the '40x Rule' (annual income must be 40x the monthly rent) or the '30% Rule' (rent must be ≤ 30% of gross monthly income). We show you if you pass these tests and calculate your Rent-to-Income ratio.
5 ways to get approved if your income is low
- Offer to pay 2 or 3 months of rent upfront in cash to reduce the landlord's risk.
- Get a guarantor or co-signer who makes 80x the monthly rent and has excellent credit.
- Provide evidence of substantial savings or investment accounts (bank statements).
- Get a stellar letter of recommendation from your previous landlord showing you always paid on time.
- Look for 'mom and pop' landlords instead of large corporate property management companies; they are often more flexible.