Calculators
Whether you're renting while you save for a down payment or just budgeting, see a rent figure grounded in both a simple income ratio and your actual debt load.
$1,800
Recommended max rent
$1,800
By 30% of income
$2,000
By 40% total-debt ceiling
These calculators provide estimates for educational purposes only — they are not a loan quote, rate lock, pre-approval, or commitment to lend, and actual figures depend on your full application, credit profile, and current rates through Unitas Lending. Property tax, insurance, and HOA figures are user-entered estimates, not verified amounts.
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Frequently Asked
It's a long-standing budgeting guideline, not a law — some households comfortably spend more, others less, depending on other debts and savings goals. This calculator also checks a total-debt ceiling so a high rent-ratio number doesn't overlook other obligations.
No — this estimates rent alone. Budget separately for utilities, renter's insurance, and moving costs on top of this number.