Rent-to-income ratio calculator
Standard US landlord rule: tenant’s gross monthly income should be at least 3x monthly rent (rent-to-income ratio under 33%). Some states limit how landlords can use this ratio. Enter the numbers to see the ratio and whether the applicant meets the common thresholds.
Before taxes. Include all verifiable sources.
The 3x-rent / 30%-ratio rule is a common landlord heuristic, not a legal requirement. It assumes a rent-burdened tenant at over 30% is more likely to fall behind. Courts generally permit the ratio as a legitimate screening criterion if applied consistently to all applicants.
Note on source-of-income discrimination
Several states and cities (including New York, California, and Washington) prohibit source-of-income discrimination. A landlord cannot reject an applicant solely because their income comes from a housing voucher, social security, or other lawful source. The rent-to-income ratio can still be applied, but the calculation must include all verifiable income sources on equal footing. Consult local law before using a ratio as a strict screening threshold.