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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.
âThou shalt not commit more than 30 percent of thine income to housingâ Photograph by Gene Lester/Getty Images When youâre looking for a place to live, one number rules your world: You should spend no more than 30 percent of your income on housing. You may hear that rule of thumb from a financial adviser or parent, a landlord or lender. Itâs embedded in online budget calculators and federal policies.