Korea Housing Subscription Score Calculator
Calculate your housing subscription score (max 84 pts) from 3 inputs and instantly compare with regional cut-off lines.
Period without owning a home (from age 30 or marriage date, whichever is earlier)
Direct family excluding self (spouse, lineal ascendants 3+ yrs same household, unmarried descendants)
Longer tenure earns more points (Korea Housing Savings Account)
Total subscription score
44/ 84
Score breakdown
Regional cut-off reference
Methodology
Korea's housing subscription point system is governed by MOLIT Housing Supply Rules Appendix 1 and consists of three components. Homeless period (max 32 pts): Counted from age 30 or marriage registration date, whichever is earlier. 2 pts are added per year, capped at 32 pts for 15+ years. Dependents (max 35 pts): Counts spouse, lineal ascendants (parents/grandparents registered in the same household for 3+ years), and unmarried lineal descendants, excluding yourself. Starts at 5 pts for 0 dependents and adds 5 pts per person, capped at 35 pts for 6+. Subscription account tenure (max 17 pts): Based on the Korea Housing Savings Account. Under 6 months = 1 pt, 6–12 months = 2 pts, then +1 pt per year, capped at 17 pts for 15+ years. The three components sum to a maximum of 84 pts. Actual winning scores vary by development, unit type, location, and application timing.
When is this calculator useful?
Pre-checking your score before applying
Before applying to a development you're interested in, calculate your current score and compare it against the estimated regional cut-off. If your score falls short, consider lottery-allocated units or a different region/unit size.
Planning your homeless period and account tenure
Simulate how much your score would rise if you gained a dependent (marriage, supporting a parent, etc.) or kept your subscription account longer. Useful for deciding whether to apply sooner or wait.
Comparing scores between spouses
If you and your spouse have different homeless periods or account tenures, your scores can differ significantly. Calculate both to decide whose name to apply under.
Checking general-supply competitiveness
If you don't qualify for special supply categories (newlywed, multi-child, etc.), use this to gauge your competitiveness under the general-supply point system.
Data Source
Based on the MOLIT (Ministry of Land, Infrastructure and Transport) Housing Supply Rules Appendix 1 subscription point system. Regional cut-off figures are reference estimates based on historical winning scores and will vary significantly by development, unit type, location, and supply timing.
Things to keep in mind
- This calculator covers the general-supply point system only. Special supply categories (newlywed, multi-child, first-time buyer, etc.) use separate eligibility and scoring rules not covered here.
- The homeless period is counted from age 30 or your marriage registration date, whichever is earlier. If you previously owned and sold a home, only the period after the sale counts, which may differ from the actual elapsed time.
- Dependent eligibility rules (e.g., 3+ years registered in the same household) have exceptions depending on household-head relationships — confirm actual eligibility via ApplyHome or your local government office.
- Regional cut-off scores are reference estimates based on past winning results; actual cut-offs vary every cycle by supply volume, unit size, location, and competition ratio.
- The ratio of point-system to lottery-allocated units varies by region, unit size, and regulation status, so you may still be able to apply via lottery even with a low score.
- Subscription-related laws and ratios are revised frequently — always check the latest official notice.
FAQ
- How is the subscription score calculated?
- The score sums three components: homeless period (max 32 pts), dependents (max 35 pts), and subscription account tenure (max 17 pts), for a maximum of 84 pts. Enter all three in this calculator to get your instant total.
- When does the homeless period start?
- It starts from age 30 or your marriage registration date, whichever comes first. Prior to that date, homeless status does not earn points. If you previously owned a home and sold it, only the period after the sale counts.
- Who counts as a dependent?
- Spouse, lineal ascendants (parents/grandparents registered in your household for 3+ years), and unmarried lineal descendants (children/grandchildren). Yourself is excluded. Siblings do not count.
- Are the cut-off scores the actual winning thresholds?
- The cut-off figures shown are reference estimates based on historical data. Actual winning scores change every application cycle depending on the development, unit size, location, supply volume, and competition ratio. Always check official results on ApplyHome (applyhome.co.kr).
- How do I get a perfect score (84 points)?
- You'd need 15+ years homeless (32 pts), 6+ dependents (35 pts), and a 15+ year subscription account (17 pts) — all at once. This is extremely rare in practice.
- Can this calculator be used for special supply categories?
- No. This is for the general-supply point system only. Special supply categories (newlywed, multi-child, first-time buyer, parent support, etc.) have their own income and marriage-duration requirements and a different scoring method — check the official ApplyHome notice.
- What if I owned a home in the past?
- If you previously owned and sold a home, your homeless period is recalculated starting from the date of sale — time before that does not count.
- How do I check my subscription account tenure?
- You can check the opening date of your Housing Subscription Savings account through your bank's app or on ApplyHome (applyhome.co.kr).
Official Sources
Always verify with the official sources below