How Much Rent Can You Afford in New York City, NY?
To comfortably afford a 1-bedroom in New York City ($4,430/month), you need to earn at least $266,000/year ($128/hr).
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Your take-home: $3,926/month
Max affordable rent: $1,178/month
Based on 30% of take-home pay (after taxes)
| Size | Avg Rent | % Income | Verdict |
|---|---|---|---|
| Studio | $3,455 | 88% | No |
| 1-Bedroom | $4,430 | 112.8% | No |
| 2-Bedroom | $5,100 | 129.9% | No |
| 3-Bedroom | $6,911 | 176% | No |
After paying rent on a 1-BR ($4,430), you’d have -$504/month left for everything else.
Affordability at Every Income Level
| Salary | Take-Home/mo | Max Rent | 1BR ($4,430) |
|---|---|---|---|
| $25,000 | $1,740 | $522 | 254.6% |
| $30,000 | $2,055 | $616 | 215.6% |
| $35,000 | $2,367 | $710 | 187.2% |
| $40,000 | $2,679 | $804 | 165.4% |
| $45,000 | $2,991 | $897 | 148.1% |
| $50,000 | $3,302 | $991 | 134.1% |
| $55,000 | $3,614 | $1,084 | 122.6% |
| $60,000 | $3,926 | $1,178 | 112.8% |
| $65,000 | $4,225 | $1,268 | 104.8% |
| $70,000 | $4,496 | $1,349 | 98.5% |
| $75,000 | $4,766 | $1,430 | 93% |
| $80,000 | $5,036 | $1,511 | 88% |
| $100,000 | $6,109 | $1,833 | 72.5% |
| $125,000 | $7,438 | $2,231 | 59.6% |
| $150,000 | $8,737 | $2,621 | 50.7% |
Single filer, 2025 tax brackets, 30% rule applied to take-home pay.
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