Tools /
Affordability Calculator
Enter your income and expenses to find out how much rent you can comfortably afford, and see which Gibraltar districts fall within your budget.
מחשבון שכירות מול הכנסה
הזן את ההכנסה החודשית שלך כדי לראות איזה אחוז כל שכונה תייצג.
איך שכונות משתוות להכנסה שלך
Town Centre
£750 – £1200/חודש33%30-50%
Westside
£800 – £1300/חודש35%30-50%
Upper Town
£800 – £1400/חודש37%30-50%
Casemates
£800 – £1400/חודש37%30-50%
Midtown
£850 – £1500/חודש39%30-50%
Eastern Beach
£900 – £1500/חודש40%30-50%
Europort
£900 – £1600/חודש42%30-50%
South District
£1000 – £1800/חודש47%30-50%
Sandy Bay
£1100 – £1800/חודש48%30-50%
Catalan Bay
£1200 – £2000/חודש53%מעל 50%
Queensway Quay
£1100 – £2200/חודש55%מעל 50%
Ocean Village
£1200 – £2500/חודש62%מעל 50%
How it works
The calculator uses the 30% rule, a widely recognised budgeting guideline. It works like this: take your monthly income, subtract all your regular monthly expenses (excluding rent), then multiply the remaining disposable income by 30%. That figure is your maximum recommended monthly rent.
Districts are marked as Affordable when the lower end of their rent range falls within your budget, Stretch when the average rent is within 25% above your maximum, and Out of range for the rest.
Frequently Asked Questions
What is the 30% rule? +
The 30% rule is a widely used guideline that says you should spend no more than 30% of your gross monthly income on rent. It helps ensure housing costs stay manageable and leave room for savings, food, transport, and other essentials.
Does the calculator include bills? +
No. The calculator uses your rent-only affordability. When budgeting for Gibraltar rentals, factor in utilities (electricity, water, internet) which typically add £100–200/month on top of rent.
What counts as "expenses" in the calculator? +
Include everything you spend monthly except rent: food, transport, subscriptions, phone, savings contributions, loan repayments, and any other regular outgoings. The more accurate this figure, the more useful the result.