How much rent can you afford making $25 an hour?

Your rent budget at 30% of gross income

$1,300

per month

$4,333gross monthly income$52,000gross annual income

The 30% guideline includes utilities. We subtract your entered utility allowance from that housing budget. Gross income is before taxes.

Find your comfortable number.

Three ways to look at your budget.

Monthly rent affordability comparison
Rule	Total housing / needs allowance	Rent after entered expenses	What it means
30% of gross income	$1,300	$1,300	Housing guideline before taxes
40% of gross income	$1,733	$1,733	Higher burden; leaves less room for other costs
50/30/20 take-home budget	Enter take-home pay	Enter take-home pay	Half of net income for all needs, after other necessities and utilities

Landlord screening rules may use a different income multiple. Your savings, debts, benefits, household costs, and variable work schedule affect what feels comfortable.

For an after-tax check, enter your actual take-home pay. This tool does not invent a payroll-tax estimate.

Keep the rest of life in the budget.

Build in the everyday costs.

Include utilities, food, transport, insurance, debt payments, childcare, and savings. A rent ceiling is a guideline, not a spending target.

Remember the move-in costs.

Deposits, application fees, moving expenses, and overlapping leases can make the first month cost more than your regular rent.

Good questions. Clear answers.

How much rent can I afford on this income?

At $52,000 in gross annual income, the 30% guideline gives $1,300 a month for housing. After $0 in utilities, the rent-only estimate is $1,300.

Is the 30% rule before or after taxes?

The conventional housing guideline uses gross income before taxes. The separate 50/30/20 check here uses the actual take-home pay you enter.

How is hourly pay converted into monthly income?

Hourly wage × hours per week × paid weeks per year ÷ 12. The example uses 40 hours and 52 weeks; adjust them for unpaid leave or a variable schedule.

Does the rent budget include utilities?

Yes. The gross-income housing allowance includes rent and utilities. Enter your expected utilities to see the amount left for rent.

Can I spend 40% of my income on rent?

The tool shows that scenario so you can compare it. Spending more than 30% of gross income on housing is commonly classed as a housing-cost burden and leaves less for other needs.

Try another income.

$15 an hour $18 an hour $20 an hour $22 an hour $25 an hour $30 an hour $35 an hour $40 an hour $50 an hour $40,000 a year $50,000 a year $60,000 a year $75,000 a year $90,000 a year $100,000 a year

The rule behind the number.

The 30% guideline follows HUD’s housing-cost-burden convention. The 40% scenario is a comparison; the 50/30/20 check is a budgeting framework that uses your entered net income.

Census housing availability and affordability report Our affordability method