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What salary do you need to afford rent?
At the 30% rule, you need 40 times the monthly rent in yearly income. Enter a rent, or check the Florida table below.
Florida: income needed for a typical 1-bedroom and 2-bedroom
Each row is a HUD rent area. Income needed keeps rent at 30% of gross income.
| HUD rent area | 1-bedroom | Income needed | 2-bedroom | Income needed | Hourly (2BR) |
|---|---|---|---|---|---|
| Miami-Miami Beach-Kendall Miami-Dade | $2,121 | $84,840 | $2,564 | $102,560 | $49 |
| West Palm Beach-Boca Raton Palm Beach | $2,008 | $80,320 | $2,349 | $93,960 | $45 |
| Monroe County Monroe | $1,990 | $79,600 | $2,254 | $90,160 | $43 |
| Fort Lauderdale Broward | $1,902 | $76,080 | $2,321 | $92,840 | $45 |
| North Port-Bradenton-Sarasota Manatee, Sarasota | $1,876 | $75,040 | $2,188 | $87,520 | $42 |
| Naples-Marco Island Collier | $1,870 | $74,800 | $2,036 | $81,440 | $39 |
| Orlando-Kissimmee-Sanford Lake, Orange, Osceola, Seminole | $1,726 | $69,040 | $1,959 | $78,360 | $38 |
| Port St. Lucie Martin, St. Lucie | $1,718 | $68,720 | $2,069 | $82,760 | $40 |
| Crestview-Fort Walton Beach-Destin Okaloosa | $1,706 | $68,240 | $1,908 | $76,320 | $37 |
| Tampa-St. Petersburg-Clearwater Hernando, Hillsborough, Pasco, Pinellas | $1,648 | $65,920 | $1,917 | $76,680 | $37 |
| Cape Coral-Fort Myers Lee | $1,564 | $62,560 | $1,835 | $73,400 | $35 |
| Palm Bay-Melbourne-Titusville Brevard | $1,525 | $61,000 | $1,779 | $71,160 | $34 |
| Panama City Bay | $1,517 | $60,680 | $1,651 | $66,040 | $32 |
| Jacksonville Clay, Duval, Nassau, St. Johns | $1,421 | $56,840 | $1,694 | $67,760 | $33 |
| Palm Coast Flagler | $1,376 | $55,040 | $1,758 | $70,320 | $34 |
| Deltona-Daytona Beach-Ormond Beach Volusia | $1,363 | $54,520 | $1,673 | $66,920 | $32 |
| Pensacola-Ferry Pass-Brent Escambia, Santa Rosa | $1,359 | $54,360 | $1,548 | $61,920 | $30 |
| Walton County Walton | $1,354 | $54,160 | $1,474 | $58,960 | $28 |
| Lakeland-Winter Haven Polk | $1,338 | $53,520 | $1,608 | $64,320 | $31 |
| Tallahassee Gadsden, Jefferson, Leon | $1,264 | $50,560 | $1,424 | $56,960 | $27 |
| Gainesville Alachua, Gilchrist | $1,241 | $49,640 | $1,471 | $58,840 | $28 |
| Punta Gorda Charlotte | $1,204 | $48,160 | $1,575 | $63,000 | $30 |
| Ocala Marion | $1,201 | $48,040 | $1,394 | $55,760 | $27 |
| Sebastian-Vero Beach-West Vero Corridor Indian River | $1,179 | $47,160 | $1,542 | $61,680 | $30 |
| Gulf County Gulf | $1,168 | $46,720 | $1,532 | $61,280 | $29 |
| Wakulla County Wakulla | $1,140 | $45,600 | $1,283 | $51,320 | $25 |
| Wildwood-The Villages Sumter | $1,139 | $45,560 | $1,324 | $52,960 | $25 |
| Lafayette County Lafayette | $1,063 | $42,520 | $1,191 | $47,640 | $23 |
| Sebring Highlands | $1,022 | $40,880 | $1,259 | $50,360 | $24 |
| Glades County Glades | $1,006 | $40,240 | $1,127 | $45,080 | $22 |
| Homosassa Springs Citrus | $988 | $39,520 | $1,194 | $47,760 | $23 |
| Hendry County Hendry | $970 | $38,800 | $1,144 | $45,760 | $22 |
| Hardee County Hardee | $958 | $38,320 | $1,124 | $44,960 | $22 |
| Washington County Washington | $955 | $38,200 | $1,040 | $41,600 | $20 |
| DeSoto County DeSoto | $954 | $38,160 | $1,089 | $43,560 | $21 |
| Franklin County Franklin | $953 | $38,120 | $1,068 | $42,720 | $21 |
| Baker County Baker | $933 | $37,320 | $1,110 | $44,400 | $21 |
| Columbia County Columbia | $931 | $37,240 | $1,187 | $47,480 | $23 |
| Okeechobee County Okeechobee | $929 | $37,160 | $1,212 | $48,480 | $23 |
| Bradford County Bradford | $920 | $36,800 | $1,008 | $40,320 | $19 |
| Suwannee County Suwannee | $912 | $36,480 | $999 | $39,960 | $19 |
| Holmes County Holmes | $885 | $35,400 | $971 | $38,840 | $19 |
| Calhoun County Calhoun | $875 | $35,000 | $953 | $38,120 | $18 |
| Taylor County Taylor | $875 | $35,000 | $953 | $38,120 | $18 |
| Madison County Madison | $873 | $34,920 | $978 | $39,120 | $19 |
| Dixie County Dixie | $872 | $34,880 | $1,041 | $41,640 | $20 |
| Hamilton County Hamilton | $872 | $34,880 | $953 | $38,120 | $18 |
| Liberty County Liberty | $872 | $34,880 | $975 | $39,000 | $19 |
| Levy County Levy | $824 | $32,960 | $954 | $38,160 | $18 |
| Putnam County Putnam | $792 | $31,680 | $1,040 | $41,600 | $20 |
| Union County Union | $777 | $31,080 | $1,019 | $40,760 | $20 |
| Jackson County Jackson | $733 | $29,320 | $962 | $38,480 | $19 |
- HUD: Fair Market Rents, FY2027 county-level data
- HUD PD&R Edge: Rental burdens and the 30 percent rule
Common questions
What salary do you need to live in Miami?
To keep a typical Miami-Dade 1-bedroom ($2,121 a month, HUD FY2027) at 30% of gross income, you need about $84,840 a year. A 2-bedroom needs about $102,560.
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.