@humphreytalks: How much rent can you actually afford? You can use the 35% rule based on your take-home pay. Simply multiply your monthly take-home pay by 35% and that's realistically what you can afford. That gives you some buffer for other necessities as well as enough money to save and invest and some money for your wants. Let me know what you think in the comments!

Humphrey Yang
Humphrey Yang
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Region: US
Monday 29 December 2025 14:36:48 GMT
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rboni94
Rodrigo Bonifaz :
Paying 30% of your salary towards rent is big bank propaganda I’m never accepting
2025-12-29 15:25:43
2333
courtslife
Courtney :
So I can’t afford anything got it
2025-12-31 14:19:52
2370
relaxdude1
John :
The 30% rule is great but isn’t accurate for most people in america anymore. My rent after utilities is over 50% of my salary and I make it work
2025-12-29 18:23:42
1378
ecpress
ecpress :
$2300?! For 100k… hell no 👏
2025-12-30 02:42:50
686
a_lease_duh
A_lease_duh :
that is not comfortable
2025-12-30 06:11:15
31
userbahn76
User764652 :
This does not take into account 401K, HSA, health insurance, dental insurance, vision insurance, life insurance, std/ltd insurance, and a myriad of other "optional" pre-tax deductions that aren't really"optional," and which significantly lower your monthly take home pay.
2025-12-29 16:40:22
244
knocksonce
knocksonce :
That is completely outdated and doesn't take into account how much the cost of necessities like groceries, transportation, healthcare, utilities, and phone service have gone up
2025-12-30 02:02:22
152
cummunistt
user5995733546238 :
i make $11/hr. sooooo Im just supposed to be homeless or what
2025-12-31 22:15:02
23
piccolochem
Piccolo chem :
I make $37,000 and pay $1500 a month in rent and it’s doable
2026-02-04 17:15:37
5
sirenitanegrita13
SirenitaNegra :
All of my bills (rent included) take up 23% of my monthly income.
2025-12-30 05:20:59
12
melodytang4
Melody | NYC UGC :
NYC doesn’t make it easy 😓
2025-12-29 16:25:27
15
branco_dino
Dino Branco :
These rent prices in most states are like pre covid
2025-12-30 10:59:41
123
ant.san.francisco
Ant | San Francisco :
Also you shouldn't increase your rent if you make more money. Save that money
2025-12-30 04:32:59
7
igotapregunta
cuál es tu pregunta :
Not including utilities and other bills🫩
2025-12-30 18:58:46
31
christianirl1
ChristianIRL :
I’m so cooked
2025-12-30 01:15:25
47
u200b
user8262846283728 :
With 0 savings
2025-12-30 04:15:46
12
nyc1479
NYC :
how do people do in New York 3K a month with 5000 rent
2025-12-30 07:18:35
1
dawgydogdoge
🐶 :
boy am I underpaid
2025-12-29 18:05:34
18
brooke2468290
Brooke :
Too high
2025-12-30 04:37:36
12
roxxigirl113
RoxxiGirl113 :
I make 60k and pay $2500 everything included which is 70% of my monthly income 💀💀 yay living in CA 💀
2025-12-31 23:08:03
47
sinclairish
unknown :
Absolutely not. I make $110k and literally half my check goes to taxes, health insurance, and my 401k. I’m netting $5.2k/month before savings, food, utilities, student loans, etc. $2300 for me is technically doable but not smart. Not to mention the yearly rent hikes while my paycheck changes very little.
2025-12-30 05:11:30
85
adrian_neuro
Adrian :
What if my $200k is $150k base (take home) and $50k yearly RSU vesting semi annually?
2025-12-29 21:56:22
6
ginja_ninja29
Cory :
As an accountant you should never use 35% of your take home pay for rent. Anyone who tells you that is giving you terrible financial advice. Your rent should not be more than 25% of your take home pay at maximum 🤷‍♂️
2025-12-29 19:09:22
42
hli0112
hli0112 :
NO. This is not the rule anymore. Nowadays the rent is mostly 30% or above from the salary, especially in San Francisco. I don’t think this chart is accurate.
2025-12-29 16:06:47
16
scienteased
$cience :
Finally!! I say this to everyone!!
2025-12-29 14:43:26
5
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