Rent-to-Income Ratio (RTI)
Proportion of tenant income spent on rent
FORMULA
RTI = (Annual Rent / Annual Tenant Income) × 100
Alternate Calculations
Monthly
(Monthly Rent / Monthly Income) × 100What is Rent-to-Income Ratio?
Rent-to-Income Ratio measures the percentage of rental income that goes to rent. Market standard is 30% (spending >30% is housing-cost-burdened). Critical metric for real estate accessibility and tenant sustainability.
Used in affordable housing evaluation and tenant financial health assessment. Lower ratios indicate affordability; ratios >30% increase default risk.
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Sample Data
| quarter | avg_rent | avg_income | rti | vacancies |
|---|---|---|---|---|
| Q1 | 1,500 | 5,500 | 27.3 | 2 |
| Q2 | 1,525 | 5,600 | 27.2 | 1 |
| Q3 | 1,550 | 5,700 | 27.2 | 1 |
| Q4 | 1,575 | 5,800 | 27.2 | 0 |
Required Data Columns
annual_rentannual_incomerti