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30% of income is the classic rule
结果
输入数值，然后点击“计算”。
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以下详细说明暂以英文提供。
Where the 30% rule comes from
The idea that housing should cost about 30% of income traces to mid-century U.S. housing standards, where households spending more were classified as cost-burdened. Subtracting your other debt payments first keeps your total obligations inside a healthy share of income, which is closer to how landlords and screening services evaluate applications.
常见问题
Should I use gross or take-home income?
The classic rule uses gross (before tax). If you budget from take-home pay, a somewhat higher percentage such as 35–40% lands near the same dollar amount.
Does rent include utilities?
Traditionally the 30% covers rent plus basic utilities. If your quoted rent excludes them, reserve roughly $150–$300 per month and treat the remainder as your rent ceiling.