Salary Guide
7,123 views
445 likes
73 comments
Minimum Salary Needed to Rent a House in 2026 – Eligibility Guide
TM
Team MyKamra
February 5, 2026
4 min read
Rule of thumb: rent ≤ 30 % take-home. But 2026 adds deposit loans, higher food cost, metro hikes. Here’s city-wise minimum salary you NEED, not want.
City Formula
Take-home = (Rent + Variable + Savings) ÷ 0.7 Variable = food + commute + utilities + fun (₹8 k base) Savings = 10 % mandatory buffer
Minimum Salary Table (Take-Home)
| City | 1 BHK Rent | Min Take-Home | Gross (10% tax) |
|---|---|---|---|
| Indore | ₹8 k | ₹22 k | ₹24 k |
| Lucknow | ₹8.5 k | ₹23 k | ₹25 k |
| Kochi | ₹12 k | ₹28 k | ₹31 k |
| Hyderabad | ₹13 k | ₹30 k | ₹33 k |
| Pune | ₹14 k | ₹31 k | ₹34 k |
| Bengaluru | ₹16 k | ₹34 k | ₹38 k |
| Mumbai | ₹18 k | ₹37 k | ₹41 k |
If you pay deposit via EMI, add EMI to rent before dividing by 0.3.
Check personalised number on MyKamra Salary Eligibility Tool – adds your loan EMI, city tax slab.
Minimum Salary
Rent House
Eligibility
2026
Was this article helpful?
Help us improve our content by letting us know if this article was helpful.
TM
About Team MyKamra
Team MyKamra analysed 3 000 payslips – we know the exact point rent becomes ramen diet.