Rent affordability calculator API

Apply the 30%-of-gross rent rule plus a 28% front-end and 36% back-end DTI ceiling (netting existing debt) to compute a defensible max monthly rent, with a per-rule breakdown and a comfort rating. Answers 'how much rent can I afford on $6000/mo', 'max rent at 30% of income', 'rent budget with $500 of debt'.

Price$0.01per request

MethodPOST

Route/v1/calc/budget-rent-affordability

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

budgetrentaffordabilitydtihousingincomecalculatormoney

API URLhttps://x402.hexl.dev/v1/calc/budget-rent-affordability

Integration docs

Example request

{
  "grossMonthlyIncome": 6000,
  "monthlyDebt": 500
}

Example response

{
  "grossMonthlyIncome": 6000,
  "monthlyDebt": 500,
  "maxRentAt30Percent": 1800,
  "maxRentAt28Percent": 1680,
  "maxRentAtCustomPercent": 1800,
  "backEndDtiCeiling": 1660,
  "recommendedMaxRent": 1660,
  "rentToIncomeRatio": 0.2767,
  "rating": "comfortable",
  "breakdown": [
    {
      "rule": "30% of gross income",
      "value": 1800
    },
    {
      "rule": "28% front-end DTI",
      "value": 1680
    },
    {
      "rule": "36% back-end DTI less $500 debt",
      "value": 1660
    }
  ]
}

Input schema

{
  "type": "object",
  "required": [
    "grossMonthlyIncome"
  ],
  "properties": {
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Gross monthly income in dollars",
      "examples": [
        6000
      ]
    },
    "monthlyDebt": {
      "type": "number",
      "description": "Existing monthly debt payments in dollars",
      "examples": [
        500
      ]
    },
    "rentPercent": {
      "type": "number",
      "description": "Custom rent-to-income percent (default 30)",
      "examples": [
        30
      ]
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}