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Free rental vacancy rate impact calculator for finance & housing planning— see how vacancy assumptions change effective gross income and dollar rent loss. Compare a stress scenario to your baseline. Educational only.
Last updated: April 18, 2026
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Rent you would collect at full occupancy (before vacancy).
EGI / month (baseline)
$2,660
EGI / month (scenario)
$2,520
Monthly EGI change (scenario vs baseline)
$-140
Annual: $-1,680
Vacancy $ loss / mo (baseline)
$140
Vacancy $ loss / mo (scenario)
$280
Effective gross income (EGI) is gross potential rent multiplied by (1 − vacancy rate). Compare your baseline vacancy to a stress scenario (e.g., higher turnover). Higher scenario vacancy reduces EGI by about $140 per month vs the baseline.
Notes
Input
GPR / month
The rent you would collect if the unit were occupied all year at the stated rent.
Model
Rent × vacancy %
Simple industry-style shortcut for planning—not a lease-by-lease accounting.
EGI
GPR − vacancy
A common starting point before operating expenses and debt service.
Compare
EGI delta
See monthly and annual EGI change when the scenario rate differs from baseline.
Use case
Sensitivity
Translate vacancy assumptions into dollars for reserve targets and stress tests.
Disclaimer
Illustrative
Lenders and investors may use different definitions—confirm with your model.
Default: $2,800/month scheduled rent, 5% baseline vacancy, 10% scenario vacancy:
Baseline EGI / month (approx.)
~$2,660
We treat scheduled gross rent as gross potential rent on a monthly basis. Vacancy loss is the product of scheduled rent and the vacancy rate you enter. Effective gross income is scheduled rent minus that vacancy loss. When you set a scenario vacancy above or below your baseline, we compare the resulting EGI so you can see monthly and annual dollar sensitivity.
Vacancy loss = Scheduled rent × Vacancy rateEGI = Scheduled rent − Vacancy lossAnnual EGI = Monthly EGI × 12For portfolios, sum scheduled rents and apply a portfolio vacancy assumption, or run each line separately.
Layer in expenses with our investment property cash flow calculator
Also see our rental ROI calculator for broader return metrics.
Get a Custom CalculatorUse the scenario field to mirror your lender’s stress case or your own conservative underwriting assumption.
Not a rent comp or appraisal—only a math illustration from your inputs.
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