Last updated: May 2026
Co-signer Income Calculator
Estimate whether a co-signer's annual income may meet a common US apartment affordability threshold.
US apartment example
United States examples use co-signer income compared with monthly rent.
This calculator uses US dollar inputs and common co-signer income examples such as 2.5x to 3.5x monthly rent.
Rent details
Add the rent amount so the example requirement can be estimated.
Applicant income
Optional comparison only. This does not replace the co-signer estimate.
Optional comparison only.
Co-signer support
Compare the co-signer income with a selected example threshold.
Estimate result
Add detailsEnter the rent amount
The rent is needed before the co-signer threshold can be estimated.
Estimate only. Rental decisions vary by landlord, property manager, credit history, and application details.
What a co-signer is
A co-signer is usually a person who agrees to support the rental agreement if the renter cannot meet certain obligations. The exact commitment depends on the agreement and the property manager.
Why landlords ask for extra support
Extra support is often requested where the renter's income is below an example benchmark, where income is irregular, or where the applicant has limited rental history. You can compare renter income first with the rent affordability calculator.
Why support-person income requirements may be higher
A support person may not be living in the property but may still be expected to help if needed. That is why some checks use a stricter example income threshold.
Common situations where support may be needed
Support is common for students, renters with a new job, renters with self-employed income, and people moving without much local rental history. If you are applying with roommates, the roommate affordability calculator may also help.
Answers at a glance
Frequently asked questions
What is a co-signer?
A co-signer is someone who may agree to support the rental agreement if the renter cannot meet certain obligations, depending on the agreement.
Why do landlords ask for extra support?
They may ask when income is low, income is irregular, rental history is limited, or the application needs extra reassurance.
Do co-signers need to earn more than renters?
Sometimes they may be assessed against a higher or stricter example threshold, but requirements vary widely.
Is one threshold always enough?
No. This calculator uses examples only. Actual requirements can vary by landlord, property manager, apartment, and individual circumstances.
Can a co-signer live in another state?
Some landlords or property managers require a local co-signer. Ask what they accept before applying.
Related tools
Rent Affordability Calculator
Compare monthly rent with gross monthly income before you apply.
Best for: Checking common 2.5x rent and 3x rent examples.
Roommate Affordability Calculator
Combine incomes for roommates applying for an apartment together.
Best for: Roommates comparing household income with monthly rent.
Move-In Cost Calculator
Estimate security deposit, first month's rent, and setup costs.
Best for: Planning cash needed before move-in day.