NYC PaycheckCalculator

Housing

What income do you need for NYC rent?

Every page applies the landlord standard, the conservative budget standard, and real take-home pay at each salary level, so you can see the difference between passing screening and actually affording the apartment.

By the NYC Paycheck Calculator TeamReviewed October 12, 2026Editorial standards

Rent affordability by amount

$1,000 a month40x rule needs $40,000 gross$1,250 a month40x rule needs $50,000 gross$1,500 a month40x rule needs $60,000 gross$1,750 a month40x rule needs $70,000 gross$2,000 a month40x rule needs $80,000 gross$2,250 a month40x rule needs $90,000 gross$2,500 a month40x rule needs $100,000 gross$2,750 a month40x rule needs $110,000 gross$3,000 a month40x rule needs $120,000 gross$3,250 a month40x rule needs $130,000 gross$3,500 a month40x rule needs $140,000 gross$3,750 a month40x rule needs $150,000 gross$4,000 a month40x rule needs $160,000 gross$4,500 a month40x rule needs $180,000 gross$5,000 a month40x rule needs $200,000 gross$5,500 a month40x rule needs $220,000 gross$6,000 a month40x rule needs $240,000 gross$6,500 a month40x rule needs $260,000 gross$7,000 a month40x rule needs $280,000 gross$7,500 a month40x rule needs $300,000 grossRent by neighbourhoodHUD FY2026 benchmarks for 16 areas across all five boroughs

Two questions, not one

Will a landlord rent to me, and can I actually afford it? The 40x income rule answers the first. Your own budget answers the second. For income-restricted housing, the affordable housing income limits are the number that matters instead.