Tenant Affordability Calculator France 2026
The tenant affordability calculator checks whether a tenant can afford a rent according to the ×3 income rule and the 33% threshold generally used in France. Enter the rent, tenant income, and optionally guarantor income for an instant result.
Frequently asked questions
What is the rent-to-income ratio (taux d'effort)?
The rent-to-income ratio (taux d'effort) is the ratio of monthly rent (including charges) to the tenant's monthly net income. In France, the generally accepted norm is 33% maximum. Above 40%, most landlords and banks consider the application too risky.
What is the ×3 income rule for French rentals?
The ×3 income rule is a common shortcut: the tenant must show monthly net income at least 3 times the monthly rent (including charges). This is equivalent to a 33% rent-to-income ratio. It is not legally required, but widely used in practice.
Can a guarantor improve a rental application?
Yes. The guarantor's income can be added to the tenant's to assess the ratio and the ×3 rule. In practice, if the tenant alone doesn't meet the criteria but tenant + guarantor together do, most landlords will accept the application.
Can a landlord reject a tenant for a high rent-to-income ratio?
Yes, a landlord can legally reject a tenant whose income is insufficient. However, it is illegal to reject a tenant on discriminatory grounds (origin, gender, disability, etc.). The rejection reason must therefore be financial and documented.