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RentGibraltar

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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.

Rent-to-Income Calculator

Enter your monthly income to see what percentage of it each district would cost. You decide what works for you.

How districts compare to your income

Town Centre
£750 – £1200/mo33%30-50%
Westside
£800 – £1300/mo35%30-50%
Upper Town
£800 – £1400/mo37%30-50%
Casemates
£800 – £1400/mo37%30-50%
Midtown
£850 – £1500/mo39%30-50%
Eastern Beach
£900 – £1500/mo40%30-50%
Europort
£900 – £1600/mo42%30-50%
South District
£1000 – £1800/mo47%30-50%
Sandy Bay
£1100 – £1800/mo48%30-50%
Catalan Bay
£1200 – £2000/mo53%Over 50%
Queensway Quay
£1100 – £2200/mo55%Over 50%
Ocean Village
£1200 – £2500/mo62%Over 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.

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