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Rent and Budget Guides

Short guides that go with the calculators.

The 30% Rent Rule: Where It Comes From and When It FailsWhat the 30% rule means, how HUD uses it, and why what is left after rent matters more.What Is a HUD Fair Market Rent? A Plain-English GuideHow HUD sets Fair Market Rents, what they include, and how to use them to judge a rent.
Estimates for planning, not financial or tax advice. Rents are HUD Fair Market Rents (a typical, not a specific, unit), and other costs are government averages. Your own costs will differ.

By James J. Updated October 2026. See methodology and sources.