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How much rent to charge 18 year old?

413 replies

TakeALookAtTheseSwatches · 13/02/2026 13:54

My daughter left college last year and started looking for a job, she started working just after Christmas. She works part time hours and her take home pay per month is around £900. She's putting £50 in to a lifetime ISA and she has no other bills (I currently still pay her phone contract which is about £30 a month)

We provide all her food, she eats tea with us and we have breakfast things/snacks in the house. She doesn't usually eat dinner but will sometimes buy herself a meal deal if she wants something.

So what would be reasonable? I was thinking around £200 a month and I'm happy to put £50 of that in her lifetime ISA too if she wants. She is saving up for a car so isn't spending frivolously. Is £200 too much?

OP posts:
Cottagecheeseisnotcheese · 16/02/2026 12:19

actually the places in the world where they do not expect cadult children to pay rent are also the same places where adult children are supposed to care for their elderly parents when they can no longer work; for free no charging parents rent or keep either but looking after them when immobile or have dementia no care homes so yes that can work you will eventually own family home generally it becomes eldest son's respomnsilbilty to care for his parents ( where of course it is actually his wife doing the grunt work) so no you don't pay rent as a young adult but you are absolutely expected to fund your parents retirement

Actually on this thread no body is actually charging rent when you rent you pay to live in a space it doesn't include council tax utilities or food, what people are talking about is board or keep, an adult paying their own way for the share of consumables and utilities they use, ie food toothpaste toilet roll laundry etc,

And yes the government does assume for UC housing benefit that if an adult child there is working they are contributing and your housing benefit will be adjusted via bedroom tax or similar
" When an adult child (aged 20 or over, or 16-19 and left education) living with you earns a wage, it affects your Universal Credit (UC) primarily through a non-dependant deduction from your housing costs. They are considered to be contributing to household expenses, which reduces the amount of rent support you receive."

Thechaseison71 · 16/02/2026 11:35

GrethaGreen · 16/02/2026 11:30

What do you mean do nothing? I doubt many people have a decent enough pension to pay rent in their retirement. Housing benefit is not the solution. I also don’t want to subsidise people who have not secured their retirement thank you.

Well be afraid to travel, work abroad etc as they sat in parents house saving to buy.

And what do you suppose you do now paying tax and NI. You are already paying for those just on state pension. Think of the fact that many women paid reduced stamp in the past if they were married. Those are now pensioners. Plus all the SAHM of the 60s and 70s

GrethaGreen · 16/02/2026 11:30

Thechaseison71 · 16/02/2026 09:41

If a decent pension out of that. If no money then housing benefit. Seems strange to do nothing for whole of live though because of what " might" happen at 70.

What do you mean do nothing? I doubt many people have a decent enough pension to pay rent in their retirement. Housing benefit is not the solution. I also don’t want to subsidise people who have not secured their retirement thank you.

TheSmallAssassin · 16/02/2026 11:18

DemelzaandRoss · 16/02/2026 11:11

What a nice (not) way to talk about your DC.
You know, those babies & children you were once so protective of!!!

Yes, the ones who I have worked hard (and still am) to bring up to be independent, functional adults! We are not doing our kids any favours by being their crutch indefinitely - young adult brains learn by experience, so we shouldn't deny them that experience. I think it's a bit selfish.

DemelzaandRoss · 16/02/2026 11:11

TheSmallAssassin · 15/02/2026 18:42

In most cases it's keep, not rent, just paying a share of the bills and food. It's not money grabbing, or income, you are being ridiculous.

No parent has any obligation to house children post 18, so I am not sure what rights you think they should have.

Edited

What a nice (not) way to talk about your DC.
You know, those babies & children you were once so protective of!!!

Comefromaway · 16/02/2026 11:00

You should be so proud that you have brought up such wonderful young men.

Snow61113 · 16/02/2026 10:37

User1990C · 16/02/2026 08:57

Because they have no idea what it means to be a family.

I love this comment. It’s definitely true, from my own personal perspective of why my sons contribute to our home. We’re family and they don’t want me to go without, or their 12 year old little brother-while they sit with full bank accounts and me struggling. It’s a very personal thing for everyone, as to why parents accept a contribution to the house pot or ask. For me it’s the rising costs of stuff…
For my sons, it was deeply personal to offer me and ensure I accepted it without questioning or guilt.
I worked 2 jobs when they were little, looked after my mum as a carer and struggled to get by, not that they’d of known(so I thought)
I tried my best to hide the struggles-but they noticed and I didn’t know they had 😞
my smaller portions at tea time, my ability to make every school holiday fun, the trips to McDonald’s where I’d sit with nothing, so they could have, the holidays I couldn’t afford with them, but clothed them for a week away with grandparents, the uniforms I’d buy months in advance and the presents I’d save all year for that I thought I’d hid well 😂 and the observation they’d made, about what family means.
I never and have never, passed comment on their Dad- I was made to feel cheeky, asking my ex, for a small contribution to uniform about 14 years ago! it’s was tough that year.
I remember feeling embarrassed and crying to my mum-my Sons had heard that and I didn’t know.
As much as they love their Dad, both don’t want to be the man he is and me struggle, while they sit with over £1200 in their banks, living their best lives and me and their 12 year old brother going without.
Both put £50 per week in the house tin, with pride and appreciation. They also save, go out, pay for driving lessons, have holidays booked for later this year and are happy.
Both passed their GCSE’s with confidence and had the opportunity to continue education-Neither did and that was ok-but they both knew, they were expected to find Jobs, in order to fulfill their own lives and not sit on their arses, while i funded an unsustainable teenage lifestyle of what they are paying for now. They are my children forever and I will always help them, if I can-but, they will never want me, who they love and need at times because I’m their mum, to not be ok along side them and that’s what family means to them and me. I probably sound awful to other posters, but every family is different and it works for my family.

berlinbaby2025 · 16/02/2026 10:02

Taking on a mortgage isn’t always the wise choice. If you hit hard times the only help you have is a crappy SMI loan. Last year the number of repossessed mortgaged properties was the highest it’s been in five years:

https://www.bbc.co.uk/news/articles/cj0e0jjz88ro

A close-up image of Jose's hand, lightly touching his keys on top of the court decision document stating his home will be repossessed.

Stories from court as home repossessions hit five-year high

BBC journalists in the East of England and London attended various county courts as mortgage-holders and renters appeared in front of judges.

https://www.bbc.co.uk/news/articles/cj0e0jjz88ro

Thechaseison71 · 16/02/2026 09:41

GrethaGreen · 16/02/2026 09:17

It’s very sensible to own your own home and build equity rather than throw money on renting. I don’t know what people who rent all their lives will do in old age. How will they continue to afford the rent?

If a decent pension out of that. If no money then housing benefit. Seems strange to do nothing for whole of live though because of what " might" happen at 70.

Comefromaway · 16/02/2026 09:22

My maternal grandparents rented all their lives. They moved into a house that was more suited to their needs as they aged and continued to pay the rent. They had savings so were not entitled to housing benefit but had they not had savings they would have had help.

Contrast to my father in law who is stuck in a house that is not suited to his needs. It needs a lot of work doing to it and he can't afford to move or do the work. He gets no help and if anything happens to him then the house will be taken anyway to pay for mother in law's care.

GrethaGreen · 16/02/2026 09:17

Thechaseison71 · 16/02/2026 08:10

What's the obsession with owning a home though? Not everyone wants the millstone around their necks from an early age. My DS hasn't even decided what country he wants to live in , and certainly intends to do so e long term travelling on a working holiday visa first.

Both my partners adult offspring live abroad and don't own homes. One has accomodation with the job and the other is in Dubai and the company pay the rent. But seeing as the work contracts last 2 or 3 years it would be a PITA to sell up ans move each time

It’s very sensible to own your own home and build equity rather than throw money on renting. I don’t know what people who rent all their lives will do in old age. How will they continue to afford the rent?

User1990C · 16/02/2026 08:57

girlabouthome · 16/02/2026 06:48

I don’t understand why parents charge their children rent?!?!

Because they have no idea what it means to be a family.

ForAmusedHazelQuoter · 16/02/2026 08:39

Thechaseison71 · 16/02/2026 08:10

What's the obsession with owning a home though? Not everyone wants the millstone around their necks from an early age. My DS hasn't even decided what country he wants to live in , and certainly intends to do so e long term travelling on a working holiday visa first.

Both my partners adult offspring live abroad and don't own homes. One has accomodation with the job and the other is in Dubai and the company pay the rent. But seeing as the work contracts last 2 or 3 years it would be a PITA to sell up ans move each time

Whats their plan when they are 70?

Thechaseison71 · 16/02/2026 08:10

GrethaGreen · 16/02/2026 05:44

Maybe read all my posts before you comments and also let me know at what age your children will own their own homes and how.

What's the obsession with owning a home though? Not everyone wants the millstone around their necks from an early age. My DS hasn't even decided what country he wants to live in , and certainly intends to do so e long term travelling on a working holiday visa first.

Both my partners adult offspring live abroad and don't own homes. One has accomodation with the job and the other is in Dubai and the company pay the rent. But seeing as the work contracts last 2 or 3 years it would be a PITA to sell up ans move each time

girlabouthome · 16/02/2026 06:48

I don’t understand why parents charge their children rent?!?!

GrethaGreen · 16/02/2026 05:44

anospayfgo · 16/02/2026 00:12

This is madness

Maybe read all my posts before you comments and also let me know at what age your children will own their own homes and how.

anospayfgo · 16/02/2026 00:12

GrethaGreen · 13/02/2026 15:28

We have adult DS living with us again after Uni. He has a full time job earning 45k, but we do not charge him anything. We pay for his food and I pay for gym membership and also buy him clothes and shoes. This might sound crazy to some on this thread, but we are comfortable off and he is saving for a deposit to eventually buy with his girlfriend which we want to support.
If he had been frivolous with money, I would have charged him and given the money back to him when he needed for deposit or similar.

This is madness

GrethaGreen · 15/02/2026 23:04

Oh please. This is so far fetched. Go look elsewhere for why young people can’t get on the ladder.

TheSmallAssassin · 15/02/2026 23:00

GrethaGreen · 15/02/2026 22:53

🤪how did you put that argument together?

House prices are driven by what the market can bear. If first time buyers are being heavily subsidised by their parents, they can afford much more so prices go up. If nobody could afford to buy at the bottom of the housing ladder, then the market would fall.

GrethaGreen · 15/02/2026 22:53

TheSmallAssassin · 15/02/2026 22:39

I am not going to house my kids for nothing until they buy a house. House prices are artificially propped up by middle class parents subsidising their adult children.

🤪how did you put that argument together?

TheSmallAssassin · 15/02/2026 22:39

GrethaGreen · 15/02/2026 19:58

It’s not about the kids having lots of disposable income. It’s about helping them to become home owners. Not renters!

I am not going to house my kids for nothing until they buy a house. House prices are artificially propped up by middle class parents subsidising their adult children.

Allseeingallknowing · 15/02/2026 21:29

GrethaGreen · 15/02/2026 20:24

I would feel embarrassed if I asked my children for money personally. I have more than enough money. It’s not an issue for me at all.

Well, bully for you! That’s alright then!

Comefromaway · 15/02/2026 21:19

My kids informed me that they have no intention of buying a home as they want careers where they can move around a lot.

My son says he knows he’s so lucky that I’ve helped him with things so far but he wants to ge independent & pay his way. He has good role models in us & his grandparents who have come from working class backgrounds to be sucesful.

my daughter feels the same. She wants to pay her own way in life and endure that we have a good life too as we get older.

LittlestMouse · 15/02/2026 21:15

ExplodingCarrots · 13/02/2026 14:14

Teaching them life skills ? Teaching them how to budget ?
This comment always grips me on here . I’m late 30s and out of people I know / friends , the ones who wasn’t charged rent at home struggle with money now and always running to parents to be bailed out .
Even if you take the money and put it aside for them for later , they’re still learning that you got to budget and can’t live off mum and dad forever and learn to contribute to a household .

Bit of a sweeping generalisation. I was never charged rent at home and now own my own home outright in the south east at 33...id never charge my children rent if i could afford it, ill give them whatever leg up i can in this disastrous world

Dreamingofdaffodils · 15/02/2026 20:40

@GrethaGreenin an ideal world I’d hope that they would, but I’m not sure if they will at 18. What I’d be hoping if I were the OP, is that they’d be so annoyed to lose such a chunk of their income, they’d up their hours to working FT.

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