Housing Cost Ratio Calculator
Calculate all-in housing costs as a percentage of income and see whether you meet the 30% rule for affordable housing.
Financial Disclaimer
This calculator is for educational purposes only and does not constitute financial advice. Results are estimates based on the inputs provided. Consult a qualified financial advisor before making investment or financial planning decisions.
Inputs
Results
Total Housing Cost
$2,450.00
Housing-to-Income Ratio
40.8%
How to Use This Calculator
- Enter your gross monthly income and your rent or mortgage payment.
- Add property tax, homeowners/renters insurance, utilities, and HOA dues.
- Include a monthly maintenance budget (typically 1% of home value per year, divided by 12).
- Review Housing Ratio against the 30% rule — exceeding it signals housing cost risk.
- Use Recommended Max Housing and Monthly Overage to see how much you need to reduce costs or grow income.
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