Housing Benefit Calculator

Wohngeld is a government housing subsidy for low-income households in Germany. Both renters (rent subsidy) and property owners (burden subsidy) may be eligible if they can cover their basic living costs but struggle with housing expenses. Recipients of Bürgergeld, full BAföG, or social assistance are generally excluded.

The amount depends on three factors: household size, total income, and rent (capped by the rent level of your area). A single-person household earning €1,200 net in a rent level IV city may receive around €150–250 per month. Families with children often receive significantly more.

The rent level (I–VII) reflects the average rent prices in your area. Level I means affordable housing, Level VII means very expensive. Munich is Level VII, Dresden is Level II. Our calculator automatically detects your rent level from your postal code.

There are no fixed limits — the calculation is gradual. As a rule of thumb: a single person should earn no more than about €1,500–1,800 gross, a family of four no more than about €3,500–4,500 gross (depending on rent level). Deductions for children, single parents, and disabled persons increase these limits.

Yes! Owners of self-occupied housing can apply for a burden subsidy (Lastenzuschuss). Instead of rent, monthly costs like mortgage payments and maintenance fees are considered. The calculation follows the same principle as for renters.

Processing time varies between 3 and 6 weeks depending on the municipality. In metropolitan areas it may take longer. Tip: Submit your application as early as possible — housing benefit is granted from the month of application, not retroactively.

Yes, child benefit (Kindergeld) and housing benefit are not mutually exclusive. However, child benefit is counted as the child's income in the housing benefit calculation. Having a child in the household still usually increases your claim due to higher deductions.

Significant changes (more than 15% income change) should be reported to the housing office. Income increases may reduce your benefit, while income loss allows you to request an increase. The approval period is typically 12 months.

Housing benefit is generally granted from the month of application — not retroactively for previous months. That's why it's important to apply as early as possible. After the approval period expires (usually 12 months), a continuation application must be filed.

Wohngeld is a housing cost subsidy for employed people and retirees with low income. Bürgergeld (formerly Hartz IV) is basic income support for job seekers covering all living costs including housing. You cannot receive both. Wohngeld is often the better choice if you earn just above the Bürgergeld threshold.