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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.
American Consumer Credit Counseling organization advocates that 35 percent of your gross income should go toward your housing and debt service. Using that figure, if you earn $3,000 per month your spending for housing should be in the range of $900 to $1,050. Not all of that money should go toward your rent, though. Housing costs also include such expenses as your utilities, maintenance and renter's insurance.