How Much Rent Can I Afford? (2026)
Keep rent below 30% of your gross income, or 35% of your net income. On €40,000 gross in Spain (net ~€2,375/month), affordable rent is approximately €700-830/month. On £60,000 in the UK (net ~£44,000), affordable rent is ~£1,100-1,300/month.
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The 30% gross rule
The 30% rule suggests spending no more than 30% of gross monthly income on rent. Above 40% of net income creates significant financial stress.
Quick affordability formula
Affordable monthly rent = (net monthly income) × 0.33. Net €2,500 → max rent ~€825. Net £4,000 → max rent ~£1,320.
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Frequently asked questions
Should I use gross or net for the 30% rule?
Use net income since rent comes from what you actually receive. 30% of gross is roughly equivalent to 33-35% of net for most middle-income earners in Europe.
See net pay, income rank, rent pressure and lifestyle power — for any salary in 30+ cities.
Open calculator →All figures are estimates. Not tax, legal, or financial advice. Methodology →