Skip to main content

Ukraine housing subsidy calculator

Estimate your household’s mandatory payment and possible utility subsidy using Ukraine’s 2026 parameters. This is an estimate, not a PFU eligibility decision.

Ukraine · 2026/2027 heating season
Housing subsidy calculator

Estimate your mandatory payment and possible housing subsidy. The calculator explains each figure and can use either a known eligible utility cost or a detailed breakdown by service.

Important: this is a preliminary mathematical estimate, not a decision by the Pension Fund of Ukraine. Eligibility also depends on property, financial and other conditions that this calculator does not fully check.

1. Household

The number of people determines income per person and the floor-area allowance.

Enter the number of people PFU will include in the household for subsidy purposes.
Area is needed for services based on square metres: building management and heating.

2. Income for an award starting in October 2026

For a subsidy starting at the beginning of the heating season in October 2026, income for Q1–Q2 2026 is considered, while pensions use the amount accrued for August 2026.

How to enter income
Income under the heating-season start rules
Enter all household members’ total income for the six months in the amount assessed by PFU. In particular, wages are counted after personal income tax and the military levy; military personnel’s monetary allowances are counted after the military levy. Do not add pensions here. If unsure what counts, use a known average monthly income instead.
Leave 0 if there are no pensioners in the household. If there are several, add their pensions accrued for August 2026.
For awards starting in October 2026, the calculator uses the per-person subsistence minimum set on 1 January 2026: 3,209 UAH.
If the subsidy does not start in October. For applications from November 2026 or later, PFU uses a different income assessment period. For example, November awards use income for Q2–Q3 2026 and the pension for September 2026. Choose “I know the average monthly income” and enter the amount for the relevant period.

3. Month being estimated

Heating in October and April uses a partial month: the calculation period runs from 16 October to 15 April inclusive.

4. How to calculate utility costs

The subsidy is based on service costs within social allowances, not simply any total shown on a bill.

Utility calculation mode
Utilities
Building management / housing maintenance
Calculated using eligible floor area
Heating
Gas, electricity or district heating
Heating type
Rate per unit
Adjustment factor
For gas, enter the rate in UAH/m³. The allowance is 4 m³ per m² of heated area per month × the adjustment factor.
Household electricity
Separate from electric heating
Housing conditions
Rate, UAH/kWh
Gas for cooking / water heating
Do not include gas heating here — it is calculated above
Cold water
2 m³ or 3.6 m³ per person depending on hot water availability
Hot water
Allowance: 1.6 m³ per person per month
Wastewater
Allowance: 3.6 m³ per person per month
Fixed eligible charges
Gas distribution, standing charges, waste and other services

5. Expected actual bill

Optional. This helps explain what you may need to pay yourself when actual consumption exceeds social allowances.

Leave blank if unknown. This field does not change the calculated subsidy.

6. Whether you need to apply

This does not affect the amount, but the calculator explains the general process for the 2026/2027 season.

Your result will appear here The calculator will show average monthly income, income per person, the mandatory percentage and payment, eligible floor area, eligible utility costs and an estimated subsidy.
Estimated housing subsidy
0 UAH/month
Average monthly income
0 UAH
For the whole household
Income per person
0 UAH
Used in the mandatory-percentage formula
Mandatory percentage
0%
Individual income share
Mandatory payment
0 UAH
Average monthly income × mandatory percentage
Eligible floor area
0 m²
Area used in the calculation
Utilities within allowances
0 UAH
Calculated eligible cost

How the subsidy is calculated

Basic method: eligible utility costs minus the household’s mandatory payment.

Step Result
Average monthly income 0 UAH
Income per person 0 UAH
Mandatory percentage 0%
Mandatory payment 0 UAH
Utility costs within allowances 0 UAH
Estimated subsidy 0 UAH

What makes up eligible utility costs

The table includes only services selected for the detailed calculation.

Service Allowance Amount

Understanding your figures

Mandatory percentage
Formula

Mandatory payment
Your contribution

Floor-area allowance
Area

Subsidy result
Estimate

Whether to contact PFU

The calculator does not check all eligibility conditions: property, special income rules, arrears, major purchases, vehicles, deposits and other circumstances PFU may assess. A positive mathematical result therefore does not guarantee an award.

Subsidy calculator methodology: 2026/2027

For the start of the 2026/2027 heating season, the calculator uses income for Q1–Q2 2026 and pension amounts for August 2026. The per-person subsistence minimum on 1 January 2026 is UAH 3,209.

The mandatory percentage is income per person ÷ 3,209 ÷ 2 × 15%. As of 5 October 2026, the base payment rate is 15%, applicable until the end of martial law and one month afterwards; Resolution No. 1156 provides for a subsequent base rate of 20%.

The floor-area allowance is 13.65 m² per person plus 35.22 m² per household. Heating uses applicable social allowances and, where required, regional or building adjustment factors.

This calculator estimates monthly housing and utility subsidies. Subsidies for solid or liquid stove fuel or liquefied gas follow separate rules and are not calculated here.

Legal basis used to check the source calculator: Housing Subsidy Regulation No. 848 (version effective 16 July 2026), Resolution No. 409 on social allowances, Resolution No. 1156 on the mandatory payment percentage, Procedure No. 632 on income assessment, and Ukraine’s 2026 State Budget Act No. 4695-IX.

The estimate uses 2026 parameters. Enter rates from your own bill; PFU decides awards and verifies eligibility. Sources: 2026 subsistence minimum, payment formula, social allowances, income assessment periods.

Gosta — Important. Useful. Daily.

How to use the housing subsidy calculator

Enter the household members PFU will count and your actual floor area. Choose either the detailed income assessment period or a known average monthly income, then select the month and utilities.

The result separates income per person, the mandatory percentage, mandatory payment, eligible area, utility costs within allowances and the estimated subsidy. A positive result does not guarantee an award.

Which income period applies

The detailed mode is for a subsidy starting in October 2026. It divides eligible non-pension income for January–June 2026 by six and adds pensions accrued for August 2026. Enter assessed income amounts; do not count pensions twice.

Applications starting later use different assessment periods. Use the known average monthly income mode with the amount for the applicable period. The calculator does not determine which income categories PFU must include or substitute for people with no or low income.

Mandatory payment and subsidy formula

With household monthly income I and N members, the percentage is (I ÷ N ÷ 3,209 ÷ 2) × 15%. The mandatory payment is I multiplied by that percentage. Estimated subsidy is the greater of zero and eligible utility cost minus the mandatory payment.

For example, I = UAH 6,418 and N = 2 gives UAH 3,209 per person and a 7.5% mandatory percentage. The payment is UAH 481.35. With eligible utility costs of UAH 2,000, the estimated subsidy is UAH 1,518.65, displayed as UAH 1,519 because summary amounts are rounded to whole hryvnias. Intermediate calculations use unrounded values.

Area and utility allowances

The standard area is 13.65 m² per person plus 35.22 m² per household. Detailed area-based services use the lesser of actual area and the applicable allowance. The extra 30% option requires the stated household eligibility and a declaration of excess area.

Detailed mode includes building management, heating, household electricity, cooking gas, cold and hot water, wastewater and entered fixed eligible charges. Enter your applicable rates and heating adjustment factor; the tool does not fetch local tariffs or verify eligibility.

Heating is prorated for 16–31 October and 1–15 April; other selected utilities remain at a full month. The quick utility mode expects a cost already limited to eligible social allowances, not necessarily the whole bill.

Actual bills and applying to PFU

An expected actual bill does not change the subsidy formula. It helps explain costs above the allowances. Do not assume that your exact payable bill is always the total bill minus the estimated subsidy: assessments and actual payments operate by service.

The application selector explains automatic recalculation, first applications, prior refusals and changed circumstances. PFU checks property, income rules, arrears, major purchases, vehicles, deposits and other eligibility factors.

Copying, printing and the scope of this estimate

Copy the summary or use Save PDF / print. Changing an input hides the old result until you recalculate. The English and Ukrainian pages share one runtime and the same formulas.

The tool retains the 2026 baseline and 15% base payment rule for the stated 2026/2027 season. It does not forecast legislative changes or assess every future award. Solid or liquid stove fuel and liquefied-gas subsidies are outside its scope.