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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:
Londonrach1 · 14/02/2026 20:13

Sounds about right and well done fur teaching her a life skill

lazyarse123 · 14/02/2026 20:11

Allseeingallknowing · 14/02/2026 18:49

Your son is living on his own, although he has MH issues, he has done well imo!

Sorry yes you're right he is doing well.
I think i was just maybe unfairly comparing his life to others who are financially secure. As secure as you can be these days.

Sarah2891 · 14/02/2026 19:49

TofuTuesday · 14/02/2026 17:01

Totally agree with the infantilising comments about saving the rent and giving it back — surprise! Here’s your own money back because we didn’t actually need it and didn’t trust you to save any!

Agreed. It certainly doesn't 'teach' them anything either. In real life you don't get that money back.

Allseeingallknowing · 14/02/2026 18:56

Luckyingame · 14/02/2026 15:50

Funny.
My parents never charged me anything.
Gentle reminder: You imposed this life on her, she didn't ask to be born and trapped with you.

Doesn’t mean you have to mollycoddle them. It’s not mean to ask them to contribute to household expenses if they are able to. I wouldn’t want adults earning as much if not more than me, eating me out of house and home, enjoying long showers, in a warm house, having a cooking, cleaning and washing service for free, while spending large amounts of disposable income and managing to save. If their income wasn’t great, they should contribute what they can afford.

Allseeingallknowing · 14/02/2026 18:49

lazyarse123 · 14/02/2026 15:50

I find it strange that some people can't comprehend that we can't all afford to let our adult children live rent free. The clue is in the word adult.
I didn't subscribe to all the memory making bollocks either. We just lived our lives together doing the best we could.
I have one son living alone in a council flat with mh difficulties, I also have ds2 and a dd who both own their own flats on their own with responsible jobs. So I am pretty pleased with the way they turned out. Obviously not theone with health issues.

Your son is living on his own, although he has MH issues, he has done well imo!

hellothisis · 14/02/2026 18:43

Pookie32 · 13/02/2026 14:21

£200 to a freshly 18 year old is a lot of money! She’s showing she’s responsible by adding to her lifetime isa, you should arguably be encouraging her to fund more into this than pocketing it yourself, unless your finances are so tight that you actually need the money.

I would suggest that the best thing to do would be to suggest she pays £200 into her lifetime isa in lieu of board, if she doesn’t want to do so then yes fair enough to charge. This still teaches her life skills around money whilst putting her in a good position to buy a house in the future.

Alternatively, if you are really set on charging her then £100 is a much more reasonable amount.

Insisting that she pay into LISA is such a good idea. Probably do the same with my teen.

I also think taking over one or two house bills are a good idea (eg Netflix/wifi) to teach them about direct debits and possibly help them to build credit history.

busybusybusy2015 · 14/02/2026 17:21

ChangePrivacyQuestion · 14/02/2026 09:02

The same amount you'd have her charge you, should you have to move in with her in old age due to infirmity.

I'd be mortified to charge my own child, BTW. Plenty of other ways to teach them economic responsibility that should have started way before 18.

Interesting point. Yes, if I had to move into adult offspring's home because of age/infirmity, of course I'd contribute my share of all the household bills, food, petrol etc. And I'd certainly be paying my own phone contract! The phone seems to be one thing that many PPs are automatically paying for wage-earning DCs whereas I'd have thought it's a really obvious cost the young person should be paying themselves? Just curious, not criticising anyone.

Coconutter24 · 14/02/2026 17:17

Thechaseison71 · 14/02/2026 16:44

Well OP says he DC is saving £50 a month. So that's not much really considering she has £650!left over after saving and " rent"

So like OP says encouraging her to put more into savings each month instead of rent could be an option.
Everyone is different and has different opinions on how it should be done, everyone also has different financial positions which will influence a decision on charging their child rent.

TofuTuesday · 14/02/2026 17:01

Totally agree with the infantilising comments about saving the rent and giving it back — surprise! Here’s your own money back because we didn’t actually need it and didn’t trust you to save any!

Wingingit73 · 14/02/2026 16:53

I wouldn't charge at 18 working pt. She should just pay own phone

Comefromaway · 14/02/2026 16:52

Some students who are on full loans & lvecat home are expected to contribute to their household even whilst studying. That’s why the living at home loan is only slightly less than the living away from home.

Thechaseison71 · 14/02/2026 16:50

JonesTown · 13/02/2026 15:19

The thing is you would be paying out a lot of money if she had gone down the uni route.

I don’t see why she should have to pay you given that she hasn’t?

Not necessarily true. I didn't pay for my DS to go to uni. He had a loan and a part time job and lived in cheap accomodation

Thechaseison71 · 14/02/2026 16:44

Coconutter24 · 14/02/2026 16:07

It makes it harder for them in the sense they can’t afford to save as much because they’re handing it over for rent. Who said they’re going to waste it all? Suppose that depends on the 18 year old

Well OP says he DC is saving £50 a month. So that's not much really considering she has £650!left over after saving and " rent"

Thechaseison71 · 14/02/2026 16:42

DemelzaandRoss · 14/02/2026 15:23

We did not charge rent after Uni & returned home. Moved out when they were ready to.

See when my DS came back after uni I immediately lost my 25% council tax discount and bills doubled. So should I be paying more due to him being there?

ThisThreadCouldOutMe · 14/02/2026 16:27

Luckyingame · 14/02/2026 15:50

Funny.
My parents never charged me anything.
Gentle reminder: You imposed this life on her, she didn't ask to be born and trapped with you.

How long does this apply for? I didn't ask to be born, yet funnily enough In still have to pay to do so.

Corinthiana · 14/02/2026 16:19

maddiemookins16mum · 14/02/2026 15:58

All these saying charge nothing, will this still apply when she’s 27, still at home and has more disposable income than the Op would ever have.

Op, I think she should pay her own phone and also ‘keep’ of at least £150.00.

I left school in 1980, my first take home wage was £33 a week, my mother had £10 keep off me from day 1 plus I bought my own food for my packed lunches.

Edited

Yes, my parents charged me from when I started a Saturday job when I was 15. They didn't need to, they owned the business.
When I did a holiday job when I was at uni, it actually became cheaper for me to live in university accommodation and work from there, so I didn't see them in the holidays.
I wanted my children to always have a home until they were ready. It's the family home and they will always be welcome. They're not lodgers. They budget well, strangely enough.
I think if you're on UC or a very low income, a contribution does make sense though.

Ruggerchick · 14/02/2026 16:13

LoveWine123 · 14/02/2026 06:38

Do parents not teach their kids budgeting skills when growing up? Do they never discuss family finances with and in front of them? Do their kids not know how much utilities or mortgage and food cost? Are the kids kept in a bubble and kept away from these family discussions but when they turn 18, bam - they’re fully functioning adults. Perhaps there are other ways to teach your children about how to run a house than taking money from the earnings of their first part time job. They could be encouraging them to save their earnings for their future. I’m baffled by the number of people on here suggesting OP takes the kid’s money to save it for them. What exactly is that teaching the child when instead you can teach them how to save it themselves?

Not teaching your growing teen about finances and budgeting is more of a parenting fail than not taking their money (as another poster suggested).

Edited

Unfortunately not. My nephew being one. He thought money grew on trees,I,agree parents should teach their teens about budgeting. When our children were at sixth form we gave them a monthly allowance and if they had no money left before the next payment tough. They soon learnt.

BudgetBuster · 14/02/2026 16:10

Luckyingame · 14/02/2026 15:50

Funny.
My parents never charged me anything.
Gentle reminder: You imposed this life on her, she didn't ask to be born and trapped with you.

She's not trapped... she can leave at any time. She's a working adult

Coconutter24 · 14/02/2026 16:08

maddiemookins16mum · 14/02/2026 15:58

All these saying charge nothing, will this still apply when she’s 27, still at home and has more disposable income than the Op would ever have.

Op, I think she should pay her own phone and also ‘keep’ of at least £150.00.

I left school in 1980, my first take home wage was £33 a week, my mother had £10 keep off me from day 1 plus I bought my own food for my packed lunches.

Edited

Age 18 and 27 are completely different. An 18 year old working part time I wouldn’t charge but a 27 year old working full time yes they should contribute

Coconutter24 · 14/02/2026 16:07

Thechaseison71 · 14/02/2026 14:40

How's it making it harder for them? Or is it ok for an 18 year old to spunk £650 a month on sweet FA

It makes it harder for them in the sense they can’t afford to save as much because they’re handing it over for rent. Who said they’re going to waste it all? Suppose that depends on the 18 year old

maddiemookins16mum · 14/02/2026 15:58

All these saying charge nothing, will this still apply when she’s 27, still at home and has more disposable income than the Op would ever have.

Op, I think she should pay her own phone and also ‘keep’ of at least £150.00.

I left school in 1980, my first take home wage was £33 a week, my mother had £10 keep off me from day 1 plus I bought my own food for my packed lunches.

lazyarse123 · 14/02/2026 15:50

DemelzaandRoss · 14/02/2026 15:00

I find it strange that many posters change from being all consuming, memory making, DP into money making, ruthless, financial gainers when their DC hit 18 years.
It’s almost like a step back in time when Edwardian families couldn’t wait for their DD to leave home to become a servant.
We have never charged our DC rent or bills. Never wanted to.

I find it strange that some people can't comprehend that we can't all afford to let our adult children live rent free. The clue is in the word adult.
I didn't subscribe to all the memory making bollocks either. We just lived our lives together doing the best we could.
I have one son living alone in a council flat with mh difficulties, I also have ds2 and a dd who both own their own flats on their own with responsible jobs. So I am pretty pleased with the way they turned out. Obviously not theone with health issues.

Luckyingame · 14/02/2026 15:50

Funny.
My parents never charged me anything.
Gentle reminder: You imposed this life on her, she didn't ask to be born and trapped with you.

Corinthiana · 14/02/2026 15:41

GrethaGreen · 14/02/2026 15:40

I think it’s controlling. Previous poster said I was infantilising my DS, but I think this type of control is infantilising. You are not teaching your child to save or be good with money this way.

Yes, I agree, it is infantilising.

GrethaGreen · 14/02/2026 15:40

Corinthiana · 14/02/2026 15:23

Then you're not charging him rent. It's enforced saving. Why not just be upfront about it?

I think it’s controlling. Previous poster said I was infantilising my DS, but I think this type of control is infantilising. You are not teaching your child to save or be good with money this way.