NYC Rent Stabilization Calculator
Calculate your legal rent increase based on the Rent Guidelines Board (RGB) annual order
New York Calculator
Get accurate results
Updated for 2025 with real New York rates, brackets, and regulations
Approximately 1 million apartments in NYC are rent-stabilized, protecting tenants from market-rate increases. The Rent Guidelines Board (RGB) sets maximum annual increases — typically 2-5% for 1-year renewals and 3-7% for 2-year renewals. In 2024, the RGB approved 2.75% for 1-year and 5.25% for 2-year leases. Your apartment may be stabilized if it's in a building with 6+ units built before 1974 (or received tax benefits like 421-a).
Calculate Your NY Tax
5-Year Savings vs Market
$8,088
Current Rent
1,800$/mo
Year 5 Stabilized
2,061$/mo
Year 5 Market Rate
2,297$/mo
RGB Increase
2.8%
Market Increase
5.0%
Stabilized Units NYC
1,000,000
Breakdown
Insight
Your rent-stabilized apartment saves an estimated $8,088 over 5 years vs market rates. The RGB set 2.8% increases for 1-year leases, while market rents grow ~5%/year. Never give up a stabilized apartment voluntarily — the value compounds dramatically over time.
AI Explanation
What This Means
Based on default inputs, the NYC Rent Stabilization Calculator shows a 5-year savings vs market of $8,088. Key figures: Current Rent: 1,800$/mo, Year 5 Stabilized: 2,061$/mo, Year 5 Market Rate: 2,297$/mo, RGB Increase: 2.8%, Market Increase: 5.0%, Stabilized Units NYC: 1,000,000.
Key Insights
Your rent-stabilized apartment saves an estimated $8,088 over 5 years vs market rates. The RGB set 2.8% increases for 1-year leases, while market rents grow ~5%/year. Never give up a stabilized apartment voluntarily — the value compounds dramatically over time.
What You Can Do
Enter your actual figures in the calculator above for a personalized breakdown. Consider consulting a tax professional for comprehensive planning, especially for complex situations involving multiple income sources or deductions.
Keep In Mind
This calculator provides estimates based on 2026 rates. Actual tax liability may vary based on credits, exemptions, and other factors not captured here. This is for educational purposes only and should not be considered tax advice.
How the NYC Rent Stabilization Calculator Works
The NYC Rent Stabilization Calculator uses 2026 tax rates, brackets, and deductions specific to New York to provide you with an accurate estimate of your tax obligations. Unlike generic federal-only calculators, this tool accounts for the unique tax structure that New York residents face.
Formula
New Legal Rent = Current Rent x (1 + RGB Increase Rate)Simply enter your financial details above, and the calculator instantly computes your results using the latest available data. All calculations happen directly in your browser — your personal information is never sent to any server or stored anywhere.
Why Use a New York-Specific Calculator?
State-Specific Rates
Uses real 2026 New York tax brackets, rates, and thresholds — not generic national averages that miss state-level nuances.
Local Programs & Exemptions
Factors in New York-specific programs, exemptions, and deductions that national calculators simply don't account for.
Instant & Private
All calculations run locally in your browser. No account required, no data stored, no waiting for results.
AI-Powered Explanations
Get a plain-English breakdown of your results with actionable insights you can actually use for financial planning.
What's Included
RGB Rate Lookup
Shows current and historical RGB increase rates for 1-year and 2-year leases
Stabilization Check
Helps determine if your apartment is likely rent-stabilized
Savings Analysis
Compare your stabilized rent vs estimated market-rate rent
Frequently Asked Questions
How do I know if my apartment is rent-stabilized?
Check: (1) Your lease should say 'rent stabilized,' (2) Request your rent history from DHCR (Division of Housing and Community Renewal), (3) Buildings with 6+ units built before 1974 are typically stabilized, (4) Buildings that received 421-a or J-51 tax benefits may be stabilized regardless of age.
What is the 2025 rent stabilization increase?
The RGB votes each June for leases beginning October 1. The 2024 order set 2.75% for 1-year renewals and 5.25% for 2-year renewals. The 2025 rates will be determined by June 2025.
Can my landlord charge more than the RGB increase?
Only in specific circumstances: Individual Apartment Improvements (IAIs) allow a permanent rent increase for renovations, but post-2019 reforms cap IAI increases at $89.29/month over 30 years. Major Capital Improvements (MCIs) for building-wide work can also increase rents, subject to DHCR approval.
What happens if I've been overcharged on a stabilized apartment?
File an overcharge complaint with DHCR. If confirmed, you may be owed a refund of overcharges plus interest. Under the 2019 Housing Stability and Tenant Protection Act, the lookback period for overcharge claims was extended to 6 years.
Can a rent-stabilized apartment become deregulated?
Under pre-2019 rules, apartments could deregulate when rent hit $2,774/month and the tenant earned over $200K. The 2019 reforms eliminated vacancy decontrol and high-rent deregulation. Stabilized apartments now remain stabilized regardless of rent level.
Important Information for New York Residents
Tax laws in New York can change annually. This calculator is updated regularly to reflect the latest 2026 rates and regulations, but you should always verify important financial decisions with a qualified New York tax professional or CPA.
This tool is designed for informational and educational purposes. While we strive for accuracy using official New York Department of Taxation data, the results should be used as estimates for planning purposes only. Your actual tax liability may differ based on credits, special circumstances, and legislative changes that occur after our last update.
For filing deadlines, payment schedules, and official forms, visit the New York Department of Taxation and Finance website. If you have complex tax situations involving multiple states, business income, or significant investment gains, professional guidance is recommended.
Related New York Calculators
Try the Universal Version
Need a calculator that works for any state? Try our generic version: