Housing costs as a share of income
See how much of your monthly household income goes towards housing. Keep costs and income on the same basis.
Enter your figures to see the result.
Method and limitations
Housing share = monthly housing costs ÷ monthly household income × 100. Eurostat’s EU housing cost overburden rate measures the share of people whose household housing costs exceed 40% of disposable income, with housing allowances deducted from both. That population statistic differs from this household calculation. For that comparison, include rent or mortgage interest, utilities, charges, maintenance, insurance and relevant taxes; exclude mortgage principal repayments. If you include full repayments to track cash flow, the Eurostat comparison no longer applies. The 40% threshold is an EU statistical definition, not a lending rule or a US or Canadian affordability standard.
Sources
- Housing cost overburden rate: more than 40% of disposable income, net of housing allowances (EU statistical indicator) — Eurostat,
- Housing Market Developments in the Euro Area: Focus on Housing Affordability — mortgage principal excluded (no additional threshold used) — European Commission, DG ECFIN,
