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Rent or Mortgage. You should expect to spend between 25 to 30 percent of your net income each month on rent or mortgage. Landlords and property managers typically require you to make at least 2.5 to three times the rent to qualify as a tenant.
How Much Rent is Affordable? You might have also heard that you should spend no more than 30% of your annual income on rent. Spending 30% of your yearly income on rent is widely believed to be an affordable amount, leaving enough money for all your other expenses.or example, if you and your roommate are looking at a $3,000 per month apartment, the landlord would require a combined income of $3,000 Ã 40, which equals $120,000.