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How to determine your rental category?

Written by Amvest | Apr 17, 2026 2:56:16 PM
Step 1: Calculate your gross annual income

Start by working out your gross annual income. Here’s how to do it.

Base income

  • Take your gross monthly salary and multiply it by twelve. 

     

  • If your holiday allowance forms part of your employment contract, add this as well, calculating your income as 1.08 times your gross annual salary.

Additional income

  • If you receive allowances, such as shift or irregular hours pay, these can be included.

  • We use the average over the past 24 months for this calculation.

  • Please note that bonuses are not included. 

Savings

If you have more than €50,000 in assets, you may add 10 percent of this amount to your gross annual income.
You must be able to provide evidence of this, for example with a screenshot of your savings account.

Joint income
If you are applying together with someone else, you may include both incomes in full. The income must be official and verifiable, for example from a permanent contract, a fixed-term contract with a statement of intent, or consistent freelance income supported by annual figures or recent tax returns. Income from undeclared work or occasional cash jobs will not be accepted.

Step 2: Compare your income with the rental categories

Once you’ve calculated your income, you can determine which rental category you fall into. We’ve outlined each category below. Tip: the gross annual income referred to in the examples below is the amount calculated in Step 1, including any allowances and holiday pay.

Social housing

The maximum rent for a social housing property is €932.93 per month (2026 price level). The following income requirements and criteria apply:

  • Single-person household
    • Your gross annual income must not exceed €49,669, and you must earn at least four times the monthly rent.
    • Example: if the net rent is €650 per month, you must earn at least 4 × €650 = €2,600 gross per month (€31,200 per year).
  • Multi-person household
    • Your gross annual income must not exceed €54,847, and you must earn at least 4.5 times the monthly rent.
    • Example: if the net rent is €750 per month, you must earn at least 4.5 × €750 = €3,375 gross per month (€40,500 per year).

Mid-market rental

The rent for a mid-market property ranges between €932.93 and €1,228.07 per month (2026 price level). The following requirements apply.

  • Single-person household
    • Your gross annual income must fall between €49,669 and €67,366, and you must earn at least 3.5 times the monthly rent.
    • Example: if the net rent is €1,000 per month, you must earn at least 3.5 × €1,000 = €3,500 gross per month (€42,000 per year).
  • Multi-person household
    • Your gross annual income must fall between €54,847 and €89,821, and you must earn at least four times the monthly rent.
    • Example: if the net rent is €1,150 per month, you must earn at least 4 × €1,150 = €4,600 gross per month (€55,200 per year).

Private sector rental

The rent for a private sector property starts at €1,228.07 per month (2026 price level). There is no maximum income requirement, but the following criteria apply.

  • Single-person household
    • You must earn at least 3.5 times the monthly rent.
    • Example: if the net rent is €1,500 per month, you must earn at least 3.5 × €1,500 = €5,250 gross per month (€63,000 per year).
  • Multi-person household
    • You must earn at least four times the monthly rent.
    •  Example: if the net rent is €1,650 per month, you must earn at least 4 × €1,650 = €6,600 gross per month (€79,200 per year).

Don’t forget your ongoing costs

The net rent isn’t your only monthly housing cost, as you’ll also need to budget for insurance, local taxes, and your gas, water and electricity bills. When searching for a suitable rental property, always consider your total living costs so you can avoid financial surprises and stay within your budget.

Hulp nodig?

If you’re unsure about your income, what you can include, or which category applies to you, feel free to get in touch via the contact form and we’ll be happy to help.

Start your search 

Once you know which category you fall into, you’ll be able to focus your search on homes that match your situation and budget as soon as the property finder goes live. Interested in what’s available at KJ Den Haag? Sign up to the newsletter and stay up to date with all developments.

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