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: Raises net pay (about €550/month extra on €60,000), but landlords and lenders assess gross income, so the limits above stay the same
NHG limit: €470,000 in 2026 (National Mortgage Guarantee with 0.4% fee)
Your financial information
Rental affordability results
Gross monthly income
€5,000
Recommended rent range
€1,250 - €1,500
25-30% of gross income
Now find a place in your €1,250 - €1,500 range
Free-sector supply dropped 36% in 2025-2026 and 57 people respond to every listing, so the number above is only useful if you can act on it. Huurwoningen.nl lists rentals in your range that you can respond to directly, with no agency fee, and shows how many people already applied.
Affiliate link. No extra cost to you, keeps our expat guides free.
Essential resources for expats
Complete your Netherlands move with these essential guides and tools:
Where these figures come from
The thresholds above are set annually by Dutch regulators and lenders, so verify them directly before making an offer.
- • NHG.nl: the National Mortgage Guarantee cost limit and the 0.4% fee
- • Nibud: the borrowing norms behind the 4.5x income multiplier
- • AFM: the regulator that sets responsible lending limits
- • Belastingdienst: 30% ruling conditions and huurtoeslag thresholds