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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

$
%
%
years

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