Netherlands housing affordability calculator 2026
Calculate exactly how much housing you can afford in the Netherlands based on your salary
Quick answer: Netherlands housing affordability rules 2026
Rent: Maximum 30% of gross monthly income (€60,000 salary = €1,500/month rent)
Mortgage: Maximum 4.5x annual gross salary (€60,000 salary = €270,000 mortgage)
30% Ruling: Increases affordability by 15-20% (€60,000 becomes effectively €72,000)
NHG Limit: €450,000 (National Mortgage Guarantee with 0.4% fee)
Your financial information
Rental affordability results
Total monthly income
€5,000
Recommended rent range
€1,250 - €1,500
25-30% of income
Now find a place in your €1,250 - €1,500 range
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Essential resources for expats
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