ForHosting KIT · Developer Utilities

Housing cost ratio calculator

The housing cost ratio is the share of gross income consumed by total housing costs in the same period — rent or the mortgage payment, plus taxes, insurance, HOA dues, and any utilities counted as housing.

● BetaFree · in your browser

Run — free How it works & API

Use it from WebAPIEmailTelegramApp soon

Lenders, housing counselors, and households use that fraction to test the common thirty-percent rule and the related front-end ratio that underwriters apply to mortgage files. This housing cost ratio calculator divides housing cost by gross income, compares the result to a target ratio (default 0.30), and reports whether the household stays at or under the cap. It also classifies the burden with the standard HUD cut-offs: at most thirty percent is treated as affordable, above thirty and at most fifty percent as cost-burdened, and above fifty percent as severely cost-burdened. The same deterministic function powers the free browser widget and the API, so a check on the landing page matches a later script. Successful API calls are billed at $0.002; invalid input is not charged.

How to use it

Enter your values in the form above. The tool checks them before calculating and shows the result on the same page.

Check your inputs

Use the labels and units shown next to each field. If something is missing or outside the allowed range, the page points to the field to fix.

Use it again or automate it

Use the browser tool for individual checks and the API when you need the same capability in an automated workflow.

What you can do with it

Get an answer now

Enter one set of values and see the result without building a spreadsheet or script.

Compare scenarios

Change one value at a time and rerun the calculation to understand what affects the result.

Automate repeated work

Use the API when the same calculation needs to run inside your product or workflow.

FAQ

How do I use this capability?

Complete the fields above and run it on this page. The form highlights anything that needs attention.

For developers — API access

Everything on this page is available programmatically. This section is for teams who want to wire it into their own systems; everyone else can just use the tool above.

API endpoint

POSThttps://api.kit.forhosting.com/finance/housing-cost-ratio

Prefer to automate it? One authenticated POST creates the task; the result comes back by webhook or a signed link. The same capability also runs here on the web, by email and from Telegram — and soon from our app too.

Call it from your stack

curl -X POST https://api.kit.forhosting.com/finance/housing-cost-ratio \
  -H "Authorization: Bearer $KIT_KEY" \
  -H "Content-Type: application/json" \
  -d '{"income":6000,"housing_cost":1800}'

const res = await fetch("https://api.kit.forhosting.com/finance/housing-cost-ratio", {
  method: "POST",
  headers: {
    "Authorization": `Bearer ${process.env.KIT_KEY}`,
    "Content-Type": "application/json"
  },
  body: JSON.stringify({
    "income": 6000,
    "housing_cost": 1800
  })
});
const { task_id } = await res.json();

import os, requests

res = requests.post(
    "https://api.kit.forhosting.com/finance/housing-cost-ratio",
    headers={"Authorization": f"Bearer {os.environ['KIT_KEY']}"},
    json={
    "income": 6000,
    "housing_cost": 1800
},
)
task_id = res.json()["task_id"]

<?php
$res = file_get_contents("https://api.kit.forhosting.com/finance/housing-cost-ratio", false, stream_context_create([
  "http" => [
    "method"  => "POST",
    "header"  => "Authorization: Bearer " . getenv("KIT_KEY") . "\r\nContent-Type: application/json",
    "content" => '{"income":6000,"housing_cost":1800}',
  ],
]));
$task = json_decode($res, true);

body := bytes.NewBufferString(`{"income":6000,"housing_cost":1800}`)
req, _ := http.NewRequest("POST", "https://api.kit.forhosting.com/finance/housing-cost-ratio", body)
req.Header.Set("Authorization", "Bearer "+os.Getenv("KIT_KEY"))
req.Header.Set("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)

Example request

{
  "income": 6000,
  "housing_cost": 1800
}

Example response

{
  "task_id": "tsk_a1b2c3d4e5f6a1b2c3d4e5f6",
  "type": "finance.housing_cost_ratio",
  "status": "queued",
  "_links": {
    "result": "/tasks/tsk_…/result"
  }
}

The API is asynchronous: the call returns a task_id immediately and the result arrives by webhook. Polling is capped at 1 req/s per task.

Pricing

Per request$0.002

Published price — no tokens, no invented credits. A failed task is never charged.

Limits

max_abs 1000000000000000

Errors

HTTP	Code	Meaning
`401`	`unauthorized`	Missing or invalid API key.
`402`	`insufficient_balance`	Your balance doesn't cover the task price.
`404`	`unknown_type`	That task type doesn't exist.
`429`	`rate_limited`	Too many requests. Use the webhook instead of polling.

Read the full KIT documentation →