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Section 8 Tenant Rent Calculator

Enter the household’s numbers and see Total Tenant Payment, the subsidy, and tenant rent. You get every step of the math.

Household and unit

Section 8 PBRA, subsidy type 1

Monthly result

Total Tenant Payment

$240

Gross rent $988, adjusted income $9,600 a year.

Subsidy (HAP)Gross rent less TTP. What the housing assistance payment covers.

$748

Tenant rentTTP less the utility allowance. What the household pays the owner.

$168

Utility reimbursementPaid to the household when the utility allowance is larger than TTP. Usually zero.

$0

The calculation order, allowances, hardship exemptions, and the errors that send a file back. The calculator stays free either way.

How this is calculated, step by step
Adjusted income

Annual income less allowances, floored at $0

$9,600.00
Gross rent

Contract rent plus utility allowance

$988.00
Monthly adjusted income

Adjusted income divided by 12

$800.00
30% of monthly adjusted

First of the three tests

$240.00
Monthly gross income

Annual income divided by 12

$833.33
10% of monthly gross

Second of the three tests

$83.33
Welfare rent

Third of the three tests, as-paid states only

$0.00
Calculated TTP

Highest of the three tests, rounded to the dollar

$240
Minimum rent applied

Raised to the $25 floor if it lands below

$240
Total Tenant Payment

The highest of the components above. It is not capped at gross rent

$240

Intermediate figures carry to the penny and only the final TTP rounds to the dollar. That order is what HUD uses, and it moves the answer by a dollar if you do it the other way round.

Gross rent is an admissions screen, not a ceiling. Under 4350.3 Exhibit 5-8 an owner may admit a Section 8, RAP, or PAC applicant only if TTP is less than gross rent. If an in-place household’s TTP reaches gross rent, the assistance payment goes to zero, the household pays the contract rent, and assistance is terminated on form HUD-50059 under code TI.

Built for planning and training. This follows the pre-HOTMA framework that governs HUD Multifamily project-based Section 8 through December 31, 2026: Handbook 4350.3 REV-1 Change 4 and 24 CFR 5.611, 5.628, 5.630, and 5.632. Notice H-2025-07 moved full HOTMA compliance for Multifamily to January 1, 2027, so the deduction amounts and the medical expense threshold change for certifications effective on or after that date. Verify against the executed form HUD-50059 before anything goes in a file. Covers subsidy type 1. It does not model every income exclusion, subsidy type, or hardship determination.

Section 8 rent questions

The parts of the calculation that come up most on a file review.

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Garrett JonesSenior Regional Manager

Love the streamlined transparency and communication between sites and compliance!

Devin StortsDirector of Strategic Projects & Partnerships

I was honestly terrified to apply for affordable housing — I'd never done it before and I'd heard a lot of stories. What I can say is, this was incredibly easy. I understood every question and exactly what I needed to submit. EASY!!

MyFortress UserAffordable Housing Applicant

Fantastic changes and upgrades from when I used Fortress just three years ago. Well done!

Katya WatsonManaging Director

Wow — MyFortress has amazing capabilities!

Janet RossethMultifamily Marketing Consultant

The main difference Fortress has over other providers is that it's very simple to learn — which makes it simple to use, and encourages people to actually stay active in the system.

Jillian AndersonPresident · Elmington Property Management · Nashville, TN

Fortress lets us focus on data-driven conversations instead of emotional ones. We've been able to show an increase in occupancy of 8% over the last three months.

Chris BrooksOperations & Data Analytics Manager · Independent Living · Seattle, WA

I've worked with multiple property management platforms over 15+ years, and none has been as user-friendly and transparent as Fortress. The data delivery helps me analyze how properties are doing in real time. I highly recommend Fortress.

VP of Asset Management8,000-unit portfolio

This is really amazing and so important. Thank you for such an awesome product!

Bre EriksenCommunity Manager

Honestly blown away! I didn't come here for a solution to this today — and I'm so happy to have found Fortress.

Garrett JonesSenior Regional Manager

Love the streamlined transparency and communication between sites and compliance!

Devin StortsDirector of Strategic Projects & Partnerships

I was honestly terrified to apply for affordable housing — I'd never done it before and I'd heard a lot of stories. What I can say is, this was incredibly easy. I understood every question and exactly what I needed to submit. EASY!!

MyFortress UserAffordable Housing Applicant

Fantastic changes and upgrades from when I used Fortress just three years ago. Well done!

Katya WatsonManaging Director

Wow — MyFortress has amazing capabilities!

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