How Much Rent Can I Afford Making $28 an Hour?
On $28 an hour ($58,240 a year full-time), you can afford about $1,456 a month in rent. That budget covers the average one-bedroom in 322 of 407 US cities (79%) and a two-bedroom in 248 (61%).
Gross income: $58,240/yr ($4,853/mo). Landlords using the 40× rule would approve rent up to $1,456/mo — the same as the 30% rule. A typical US one-bedroom ($1,085/mo) takes $20.87/hr.
Largest cities where $28/hr covers a 1-bedroom
Ranked by metro size. "Left over" is what remains of your $1,456 budget.
| City | 1BR rent | 2BR rent | Left over |
|---|---|---|---|
| Houston, TX | $1,279 | $1,529 | +$177 |
| Detroit, MI | $1,090 | $1,378 | +$366 |
| Minneapolis, MN | $1,381 | $1,685 | +$75 |
| San Antonio, TX | $1,231 | $1,501 | +$225 |
| Pittsburgh, PA | $1,068 | $1,280 | +$388 |
| Columbus, OH | $1,194 | $1,445 | +$262 |
| Indianapolis, IN | $1,097 | $1,283 | +$359 |
| Jacksonville, FL | $1,454 | $1,730 | +$2 |
| Milwaukee, WI | $1,056 | $1,257 | +$400 |
| Oklahoma City, OK | $961 | $1,180 | +$495 |
| Salt Lake City, UT | $1,453 | $1,748 | +$3 |
| Birmingham, AL | $1,144 | $1,267 | +$312 |
| Fresno, CA | $1,217 | $1,505 | +$239 |
| Buffalo, NY | $1,001 | $1,176 | +$455 |
| Grand Rapids, MI | $1,209 | $1,443 | +$247 |
Big cities out of reach on $28/hr
The full-time hourly wage you would need to keep a 1-bedroom at 30% of income.
| City | 1BR rent | Wage needed |
|---|---|---|
| New York, NY | $2,511 | $48.29/hr |
| Santa Ana, CA | $2,454 | $47.19/hr |
| Chicago, IL | $1,560 | $30.00/hr |
| Dallas, TX | $1,606 | $30.88/hr |
| Washington, DC | $2,056 | $39.54/hr |
| Atlanta, GA | $1,653 | $31.79/hr |
| Fort Lauderdale, FL | $1,929 | $37.10/hr |
| Phoenix, AZ | $1,679 | $32.29/hr |
| Boston, MA | $2,394 | $46.04/hr |
| San Francisco, CA | $2,780 | $53.46/hr |
Where $28/hr goes furthest, by state
Share of each state's cities where the average 1-bedroom fits a $1,456 budget.
| State | 1BR affordable | Cheapest city (1BR) |
|---|---|---|
| Alabama | 12 of 12 (100%) | Dothan · $722 |
| Arkansas | 6 of 6 (100%) | Pine Bluff · $684 |
| Delaware | 1 of 1 (100%) | Dover · $1,181 |
| Indiana | 14 of 14 (100%) | Terre Haute · $788 |
| Iowa | 7 of 7 (100%) | Cedar Rapids · $757 |
| Kansas | 4 of 4 (100%) | Topeka · $752 |
| Kentucky | 4 of 4 (100%) | Owensboro · $860 |
| Louisiana | 9 of 9 (100%) | Alexandria · $762 |
| Michigan | 15 of 15 (100%) | Bay City · $769 |
| Minnesota | 5 of 5 (100%) | St. Cloud · $883 |
| Mississippi | 4 of 4 (100%) | Gulfport · $896 |
| Missouri | 4 of 4 (100%) | Jefferson City · $681 |
Rent Affordability Calculator
Enter your pay to see the most rent you can comfortably take on.
30% is the standard rule; above it HUD counts you as cost-burdened.
- ✅ Typical US 1-bedroom ($1,085/mo)
- ✅ Typical US 2-bedroom ($1,321/mo)
Frequently asked questions
How Much Rent Can I Afford Making $28 an Hour?
On $28 an hour ($58,240 a year full-time) you can afford about $1,456 a month in rent using the 30% rule. A tighter 25% budget is $1,213; stretching to 40% allows $1,941.
Is $28 an hour enough to rent an apartment?
In 322 of 407 US cities (79%) the average one-bedroom rent fits within $1,456/mo, and a two-bedroom fits in 248 (61%). The largest cities where a 1BR fits: Houston, TX; Detroit, MI; Minneapolis, MN.
How much do I need to make to afford a typical one-bedroom?
The median one-bedroom rent across US cities is $1,085/mo. Keeping that at 30% of income takes $43,400 a year, or $20.87 an hour full-time.
What is the 40x rent rule?
Many landlords require a yearly income of at least 40 times the monthly rent. On $58,240 that caps rent at $1,456/mo — the same limit as the 30% rule.
Rents are HUD Fair Market Rents (40th-percentile gross rent, including utilities) for each city's metro area. Income is gross pay before taxes; full-time = 2,080 hours a year. See our methodology.