House Hacking Calculator
Calculate how much you can reduce your housing costs by renting out part of your home. Compare net housing cost to local market rent.
Property & Financing
Rental Income
Rooms, units, or ADU you'll rent out
Expenses & Comparison
Tax, insurance, utilities, maintenance (monthly total)
What you'd pay renting an equivalent home nearby
Results
Monthly Mortgage
$2,268
Effective Rental Income
$1,710
after vacancy
Net Housing Cost
$1,158
monthly out-of-pocket
Monthly Savings vs Rent
$642
Annual Savings vs Renting
$7,701
Monthly Cash Flow
| Monthly Mortgage | ($2,268) |
| Other Expenses | ($600) |
| Rental Income (after vacancy) | +$1,710 |
| Net Housing Cost | $1,158 |
| Comparable Market Rent | ($1,800) |
| Monthly Advantage | $642 |
House Hacking Scenarios to Model
House hacking can mean renting the other side of a duplex, leasing extra units in a triplex or fourplex, renting rooms in a single-family home, or converting part of a property into a separate living area where local rules allow it.
Compare the net housing cost against what you would otherwise pay in market rent. A deal can be useful even if it is not cash-flow positive, as long as tenant income materially lowers your monthly housing cost and the financing, vacancy, repair, and zoning assumptions are realistic.
Important Notes
• Loan programs, down payment requirements, and eligibility vary by lender, location, and property type. This calculator presents financing examples for educational purposes only — not a loan pre-qualification or guarantee.
• Renting part of your primary residence may have tax implications. Consult a tax advisor.
• Local zoning laws may restrict short-term rentals or rooming arrangements.
Educational Disclaimer
All calculations are estimates for educational and planning purposes only. PropertyFlowTools.com does not provide financial, tax, legal, lending, or investment advice. Verify calculations and consult qualified professionals before making property or financing decisions.
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Last reviewed: 2026