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Lease Risk Simulator

Income-to-rent ratio preview — Ontario 3× standard

Ontario context

  • The 3× monthly rent income threshold is a widely used industry standard, not a legal requirement. Under the Ontario Human Rights Code, it must be applied uniformly to every applicant — you cannot apply different thresholds to different people.
  • Income verification (pay stubs, employer confirmation) is separate from the income-to-rent calculation. Always verify the stated income before relying on it.
  • A ratio below 3× is not, by itself, grounds for rejection — landlords must consider the full picture and comply with the Ontario Human Rights Code. Consult a licensed paralegal or legal counsel for guidance on individual cases.
This tool is for informational purposes only. Apply all thresholds uniformly across applicants. Always verify income with supporting documentation. Consult the Ontario Human Rights Commission (ohrc.on.ca) or a licensed paralegal for guidance on tenant screening in Ontario.