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What Can I Afford?

Estimate a practical rent range and move-in cash based on your income.

This is a planning estimate, not a preapproval or a guarantee that any landlord will accept you. All figures update instantly as you type and no data is saved or sent anywhere.

Your numbers

Loan, credit card, or other recurring monthly debt obligations.

Conservative suggested rent range

Enter your income to see a suggested range.

25–30% of your gross monthly income ($0), minus your monthly debt payments. This is a common personal-finance guideline, not a rule specific to any landlord.

Common NYC qualification range

Enter your income to see a qualification range.

Based on annual income of at least 40x the monthly rent, applied to your income net of monthly debt (low end) and to your gross income (high end).

This is a market convention, not law

Many NYC landlords and brokers commonly ask for annual income around 40 times the monthly rent, but this is a widely used industry convention — not a legal requirement — and individual buildings vary.

Estimated initial cash requirement

Enter your income to see an estimate.

First month's rent plus a security deposit at the New York legal maximum of one month's rent, based on the top of your conservative range. Does not include broker fees, moving costs, or furniture — use the Move-In Cost Calculator for a full itemized total.