Calculating Rent Supplement

Before you start to calculate your Rent Supplement, you should check whether you qualify.

You can:

• Read our page on Rent Supplement
• Use the worksheet for calculating Rent Supplement with this page.

Calculating Rent Supplement is very complex. The Department of Social Protection (DSP) will calculate your entitlement to Rent Supplement.

If you have any questions about your entitlement to Rent Supplement, you should contact the Community Welfare Officer (CWO) in your local Intreo Centre or Branch Office.

This page shows you the 6 steps to calculate Rent Supplement.

You should include all income that you and your spouse, partner, or cohabitant have, such as:

• Social welfare payments, including the Working Family Payment
• Employment or training schemes
• Gross income from employment or self-employment
• Income from maintenance (except child maintenance, as this is not included in the assessment)
• Any means you have from ‘capital’ (see below).

Since January 2012, income from working as a home help with the HSE is taken into account.

How capital is assessed

The capital value of your property (except your own home), investments and savings are assessed on a weekly basis as follows:

• First €5,000 is not taken into account
• Next €10,000 is assessed at €1 per €1,000
• Next €25,000 is assessed at €2 per €1,000
• Any capital over €40,000 is assessed at €4 per €1,000.

Income not taken into account

Some income is not counted in the means test for Supplementary Welfare Allowance (SWA) schemes, which includes Rent Supplement. So, you don’t need to include it when working out your gross income.

The following items are not taken into account as income:

Income related to families

• Child Benefit or corresponding payment from an EU member state
• Foster care payments from Tusla
• Payments for accommodating children under the Child Care Act
• Guardian's Payment (Contributory) and Guardian's Payment (Non-Contributory)
• Back to Work Family Dividend
• Maintenance payments for a child. Payments the other parent makes towards mortgage or rent should be considered for the benefit of a child or children and not be assessed.

Income related to old-age, illness or disabilities

• Domiciliary Care Allowance
• Half-rate Carer's Allowance
• Carer's Support Grant
• Consumer Directed Home Support (CDHS)
• Mobility Allowance
• Grants or allowances from schemes promoting the welfare of blind people including the Blind Welfare Allowance
• Rehabilitative Training Allowance

Income related to education and training

• Maintenance grant under the Student Grant Scheme
• Allowances under the Home Tuition Scheme from the Department of Education
• Payments under the Department of Education's school transport scheme for children with special educational needs
• Grants to parents of children attending primary school in Gaeltacht areas, and income from providing accommodation to students studying Irish in Gaeltacht areas
• Payments under the 1916 Bursary Fund from the Department of Education
• Payments under the Tusla Bursary Scheme for Children in Care and Aftercare
• Uversity payments made under the Higher Education Scholarships for Adult Learners of up to €7,000 per year
• Scholarship payments under UCD’s Cothrom na Féine Scholarship Programme of up to €7,000 per year
• Scholarship payments paid by the Department of Further and Higher Education, Research, Innovation and Science’s Student Accommodation Assistance Fund, or Co-operative Housing Ireland’s Scholarship Programme of up to €7,000 per year
• Further Education and Training Courses and VTOS Training Bonus;
• Payments under the Probation Service’s KickStart Scholarship scheme
• Any training allowance received while undergoing rehabilitation training by an organisation approved by the Minister for Health
• Payments made by Sport Ireland under the International Carding Scheme

Compensation payments

• Compensation awarded by the Compensation Tribunal in respect of Hepatitis C contracted from certain blood products, to those who have disabilities caused by Thalidomide and to those receiving compensation under the Residential Institutions Redress Board
• Payments awarded under the Symphysiotomy ex Gratia Scheme, the Lourdes Hospital Redress Scheme 2007 and the Lourdes Hospital Payment Scheme
• Payments awarded under the Stardust Victims' Compensation Tribunal
• Payments awarded as set out by the Scoping Enquiry into the CervicalCheck Screening Programme
• Any other payments made directly or indirectly by or on behalf of the Minister of Health under the package of support measures established in 2018 for women diagnosed with cervical cancer since 2008
• Payments made under the Mother and Baby Institutions Payment Scheme
• Payments made to people who experienced sexual abuse as a pupil in a recognised day school, before the Guidelines for Procedures for Dealing with Allegations or Suspicions of Child Abuse, and who took legal action against the State as a result
• Payment made by the Northern Ireland Victim and Survivor Service (VSS) in accordance with the Victims and Survivors (Northern Ireland) Order 2006

Other payments not included

• Money received from charitable organisations, for example, St Vincent de Paul
• Strike pay
• Certain income from renting out a room in your home up to a maximum of €269.23 weekly or €14,000 per year. The person renting from you must not be your employee or immediate family member and use the room or rooms for a period of not less than 28 consecutive days.

The DSP has a complete list of income not taken into account.

The basic Supplementary Welfare Allowance (SWA) rate is €242. You will get a higher rate if you have dependants (such as a spouse or child). Read more about the rates of SWA for dependants.

To find out how much of your income is ‘in excess of the SWA rate’, you deduct the following from your gross assessable weekly income:

• First, deduct any PRSI that you pay and any reasonable travel expenses related to work. Your travel costs will vary depending on where you live and work (ask your local Intreo Centre for more information).
• Then deduct the basic Supplementary Welfare Allowance (SWA) Rate, appropriate to your family circumstances. If you are a carer or aged 65 and over, there are additional disregards – see below.

Over-65 disregard

If you are aged 65 or over (or where one of a couple is of aged 65 or over) and have a combined household income greater than the rate of SWA appropriate to your household circumstances, you are allowed a disregard.

This disregard is equal to the difference between the maximum rate of State Pension (Contributory) appropriate to your circumstances, and the rate of SWA appropriate to your circumstances (even if you are not getting a pension).

This means that a person whose only income is a State pension will not pay more than the minimum household contribution towards their rent.

Example of the over-65 disregard

For example, the over-65 disregard for a person aged 65 or over would be the maximum State Pension (Contributory) rate (€289.30) minus the SWA rate for a single person (€242), which is €47.30.

The over-65 disregard for a couple, who are both aged 66 and getting separate payments or working, would be calculated using the maximum State Pension (Contributory) rate for 2 people minus the basic SWA rate for a couple ( €578.60 - €404 = €174.60). Their over-65 disregard would be €174.60.

Carer’s disregard

If you are getting a carer's payment, the amount of Carer's Allowance in payment above the appropriate SWA rate for your situation (either the adult SWA dependant rate for a couple or the personal rate for a single person) is not taken into account.

To calculate your carer’s disregard, you subtract the relevant rate of SWA from the actual rate of Carer’s Allowance you are getting (not including any increases for dependent children).

Your ‘income in excess of the SWA rate’ is your contribution to your rent from your means (in addition to your minimum household contribution). If you have no income in excess of the SWA rate, Step 3 does not apply to you.

The 'additional income disregard' is a certain amount of your household income that is not taken into account.

The first €75 of any additional household income above the SWA rate for your circumstances is not taken into account.

Also, 25% of your additional household income over €75 is not taken into account. There is no upper limit on the 25% that can be disregarded.

Additional income includes income from the following:

• Part-time employment or part-time self-employment (under 30 hours per week)
• Full-time employment or full-time self-employment (30 hours or over per week) where you are accepted as being in need of accommodation under the Rental Accommodation Scheme
• Training schemes provided on behalf of the Department of Education and (for example, Youthreach) and Education and Training Board (ETB) training
• Back to Work Enterprise Allowance
• Rural Social Scheme
• TÚS
• The Part-time Job Incentive Scheme
• Community Employment
• Skillnets
• Work Placement Experience Programme
• Working Family Payment
• Maintenance payments to spouse/partner over €95.23 (see below)

How maintenance is assessed

Child maintenance

Maintenance payments for a child are not assessed. Payments the other parent makes towards mortgage or rent should be considered for the benefit of a child or children and should not be assessed.

Spousal maintenance

Spousal maintenance is assessed, including rent or mortgage payments for the sole benefit of the spouse.

Maintenance to a spouse is assessed as additional income and maintenance payments up to €95.23 per week are assessed in full.

The first €95.23 per week of spousal maintenance is considered to be a contribution towards housing expenses. The additional income disregard applies to maintenance payments above this amount.

• If you are getting maintenance under €95.23 do not include it in this step.
• If your maintenance is over €95.23, you should subtract €95.23 and include the excess maintenance when working out your additional income disregard.

Calculating your additional income

You work out your additional income using the formula: (A+B) – C, or the value of A, whichever is the smallest amount.

• A: income from employment, prescribed employment or training schemes, Working Family Payment, and maintenance payments of over €95.23 a week (do not include child maintenance payments).
• B: assessable weekly income from all other sources
• C: SWA rate for family circumstances

You subtract PRSI, pension contributions, and Revenue-approved income continuance payments from your additional income figure.

You then subtract €75, and get 25% of the remaining figure.

Add €75 and 25% of the subtotal together – this is your additional income disregard.

Disability Allowance or Blind Pension earnings disregard

If you are getting Disability Allowance or Blind Pension and work, up to €165 per week of your earnings from work is not taken into account.

If you are working and getting Disability Allowance or Blind Pension, you can either use this earnings disregard or the additional income disregard (but not both). Use whichever is in your best interest.

You subtract the disregards you calculated in Step 3 from the figure you calculated in Step 2 to get your 'contribution from means'.

Find the total amount you must pay towards your rent. To do this, add your 'contribution from means' (this is the total figure after Step 4) and your 'minimum household contribution'.

Minimum household contribution

In general, a household (this is the claimant and may also include a qualified adult and qualified children) must contribute at least €30 towards rent. A couple contributes at least €40.

A non-dependent household member who is solely dependent on a personal social welfare payment must also contribute at least €30. However, if benefit and privilege has been assessed against your social welfare payment you will not have to contribute €30.

The CWO can reduce the amount of Rent Supplement payable by an amount which, in their opinion, is payable by each non-dependent household member in employment. According to custom and practice, the assessable income of the non-dependent household member (that is, gross income less PRSI and travel costs to work) is divided by the appropriate rate of SWA for their situation which is then multiplied by €30 to establish their liability to contribute.

A couple aged over 65 with an income equal or less than the State Pension (Contributory) for their situation will contribute €40 towards their rent. A couple who both have State Pensions (Contributory) and no other income will also contribute €40 towards their rent.

To calculate your Rent Supplement, you subtract your 'total contribution to rent' from your weekly rent.

In Step 5, you found your 'total contribution to your rent'. Now you need to find out how much your weekly rent is. You may already know how much your weekly rent is. If you pay your rent by month, you must multiply your monthly rent figure by 12 and divide it by 52 to get your weekly rent figure. Your rent must not be above the maximum limit set for your area.

A maximum rent level is set for each county by the Department of Social Protection. The Department may set lower rates within these limits. If your actual rent is higher than the local maximum, you may be refused Rent Supplement.

The DSP can make additional Rent Supplement payments above rent limits when necessary. This is done on a case-by-case basis, both for people already getting Rent Supplement and for new applicants.

You can download and fill in the application form for Rent Supplement and send to your local Community Welfare Service.

Contact your local Intreo Centre or social welfare branch office, or your local Citizens Information Centre for help completing this form.