Korea’s apartment subscription score runs to 84 points and has only three parts — 32 for the years without a home, 35 for dependents, 17 for how long the subscription account has been open. The arithmetic is not the hard part. Which day the count starts and who counts as a dependent are, and getting either wrong costs more than points.
1. Dependents carry the most weight. 35 points, 41.7% of the total. One person is 5 points, which equals two and a half years without a home or five years of account history.
2. The no-home count starts at age 30. Register a marriage before that and it starts on the registration date instead. Unmarried and under 30 scores zero — at 29 exactly as at 20.
3. Sell a home and the count restarts on the day you sold. Someone aged 35 who registered a marriage in 2019 but sold a home in 2022 has three years, not seven — 16 points become 8.
A few dates and a headcount produce all three parts at once. The calculator also says when the next point arrives, because this score does not drift upward — it steps, on fixed days.
| Item | Yours | Points |
|---|
This score applies only to the share of units allocated by score. Lottery units and special supply run on different rules entirely. Dependents exclude yourself — a spouse counts even on a separate residence registration; a parent or grandparent must have been on the same registration for three years or more, and if that person or their spouse owns any home, both drop out. An unmarried child aged 30 or over needs one year or more on the registration. A grandchild counts as a child only if both of the grandchild’s parents have died and the grandchild is on the same registration (Appendix 1, 1(b)1), bracket). Unborn children and children on military service are not addressed by the appendix — its test is simply being on the same registration. Confirm with the notice for the development you apply to. An estimate.
The numbers this calculator uses, and where they come from
The scoring table is Appendix 1 to the Rules on Housing Supply. Here are the three parts and what one step in each is worth.
| Item | Maximum | One step |
|---|---|---|
| Dependents | 35 (41.7%) | 1 person = 5 |
| Years without a home | 32 (38.1%) | 1 year = 2 |
| Subscription account | 17 (20.2%) | 1 year = 1 |
| Total | 84 | — |
The step counts are 7, 17 and 17 — dependants run from 0 people at 5 to 6 or more at 35; the no-home item from under a year at 2 to 15 years or more at 32; the account from under six months at 1 to 15 years or more at 17.
An unmarried person under 30 without a home, and anyone who owns a home, scores zero on the first item. So the practical floor is not zero but six — zero dependents still earns 5, and an account open less than six months still earns 1.
One dependent is five points
The heaviest item, and the one people get wrong most often. What five points per person means is easiest to see by converting it into the other two.
This item also contains the place where ten points vanish at once. A parent or grandparent drops out if they or their spouse owns any home — and both drop out together. A home in the father’s name removes the mother from the count as well.
| With both parents counted | With both removed | Difference |
|---|---|---|
| 2 people → 15 | 0 people → 5 | −10 |
| 3 people → 20 | 1 person → 10 | −10 |
| 4 people → 25 | 2 people → 15 | −10 |
Ten points takes five years to rebuild through the no-home count, or ten years through the account. So this is not a matter of scoring a little low — it is the place where a win gets cancelled as ineligible. The full test is in how the dependent count is drawn.
Which day the count starts
The no-home period starts on the day you turn 30. Register a marriage before that and it starts on the registration date instead. And if you have sold a home, it restarts on the day of the sale.
| Born 15 Mar 1991 · notice 1 Sep 2026 | Count starts | Points |
|---|---|---|
| Unmarried | 15 Mar 2021 (age 30) | 12 |
| Married 1 Jun 2019 | 1 Jun 2019 (earlier) | 16 |
| Married 1 Jun 2024 | 15 Mar 2021 (age 30 is earlier) | 12 |
| Married 2019, sold 2022 | 20 Oct 2022 (the sale) | 8 |
Counting each start date to the notice gives 5, 7, 5 and 3 years.
A marriage registered after 30 changes nothing — the earlier of the two dates wins. A sale works the other way: the later it was, the worse. Which date belongs in which box is worked through in where the no-home period splits.
Half a spouse’s account — up to 3 points
Appendix 1 carries notes as well as bands, and note 2 opens one more door. Where the spouse also holds a subscription account as at the date of the notice, the score obtained by running 50% of that spouse’s period through the account table may be added to yours — but anything above 3 points counts as 3.
So a spouse’s account past two years already reaches the cap. Six years or fifteen adds nothing further — in this item holding one matters far more than holding it long.
Two limits remain. The account item still stops at 17 after the addition, and it does not apply to special supply (article 46). The calculator above leaves these 3 points out, so add them yourself if they apply.
What this calculator does not do
It does not tell you whether the units are scored or drawn. These 84 points apply only to the scored share, and the proportion differs by floor area and region even within one development. The notice says which.
It does not judge first-priority eligibility. The score ranks people within the first priority; it is not the qualification itself. Deposit thresholds, residency periods and re-win restrictions are separate.
Special supply is a different ruler. Newlywed, first-in-lifetime, multi-child and elderly-parent categories do not use these 84 points. Mixing their child count with this dependent count produces a wrong answer.
It does not detect a small, low-priced home for you. One home below a set area and assessed value is treated as no home, but there is no box for assessed value here, so the question is asked plainly instead — do you own a home now.
It leaves out the spouse’s 50% account credit. A note in Appendix 1 adds one more line — where a spouse also holds a subscription account, the score for 50% of that spouse’s period may be added, up to 3 points. The account item still cannot exceed 17 after the addition, and it does not apply to special supply. The calculator below omits those 3 points; there is a section on it further down.
Questions that remain
I heard a spouse’s account is worth 3 more points?
It is — set out with a chart under “Half a spouse’s account” above. In short: the spouse’s period is halved, run through the account table, and the result is capped at 3. Two years already reaches the cap.
After the addition the account item is still capped at 17, and it does not apply to special supply (art. 46). The calculator above leaves these 3 points out, so add them yourself if they apply.
I am 29. Why is it zero?
Because the count begins on the day you turn 30. Register a marriage before then and it begins at the registration instead, but unmarried at 29 scores exactly what unmarried at 20 scores. Ten years of renting from age 20 count for nothing. What does happen is that on that birthday the item jumps from 0 to 2, and adds 2 every year after.
Does registering a marriage sooner raise the score?
Before 30, yes. The count starts on the earlier of the two dates, so registering at 28 starts it then. After 30 it changes nothing, because age 30 is already the earlier date. Separately, a spouse adds one dependent and therefore 5 points, and that part has nothing to do with age.
Do I count myself as a dependent?
No. You are excluded. A single person living alone has zero dependents — and zero dependents still scores 5. That zero is not nothing is the first trap in this item: the gap between zero and one is five points, not the whole five.
I converted my account to a different product. Does the clock restart?
It does not. Appendix 1, 1(c) says it plainly — the period is computed “from the original opening date even where the type, the amount, or the account holder has been changed”. Three things listed side by side in the text, so topping up, converting and taking a transfer all carry the date across.
What the provision does not answer is when a transfer is permitted — it only sets out how the period is measured. The bank that holds the account will state the priority-start date directly.
What happens if I enter the score wrong?
The applicant enters the score themselves, and it is verified against documents only after a win. So an overstated score is not caught at application — it is caught afterwards, and the win is cancelled as ineligible, with a period of restriction on further applications. The two places it happens most are dependents (a parent’s home) and the no-home period (the date of a sale). Both can be checked in advance against the residence registration and the property register.
Unborn children, grandchildren, military service — Appendix 1 opened
The dependent test for the points system is in Appendix 1 to the Rules on Housing Supply, “Criteria for the points system”, section 1(b). The appendix runs to three pages; the dependent part is three lines.
(b) Criteria for recognising dependents
1) Dependents are household members on the same household resident registration as the applicant or their spouse (including a spouse not on the applicant’s registration) as at the date of the recruitment notice. However, children (including a grandchild on the same registration where «both» of the grandchild’s parents have died) are limited to the unmarried.
2) A lineal ascendant counts as a dependent where the applicant is head of household and the ascendant has been on the same registration continuously for three years or more. However, if either the ascendant or their spouse owns a home, neither counts.
3) A lineal descendant aged 30 or over counts where on the same registration continuously for one year or more.
| Question | What Appendix 1 says |
|---|---|
| Grandchild | Yes — conditionally. Only where on the same registration and «both» of the grandchild’s parents have died. If only one has died, it does not apply. |
| Unborn child | Not there. The word does not appear once in the three pages. The test is “household members on the resident registration”, and there is no place for someone not yet born. |
| Child on military service | No provision. Neither “military service” nor “conscription” appears — the appendix asks only whether the person is on the registration, not why. |
The three answers are different in kind. The grandchild case is settled by the text; the other two the text simply does not address. That is why this page does not say they “do not count” — the appendix measures one thing, “on the same registration or not”, and how that registration stands is a resident-registration question.
Unborn children do appear on the special-supply side — Rules art. 55-2(3) mentions “a child born on or after 19 June 2024 (including an unborn child or … an adopted child)”. This page’s point that special supply and the points system use different tests is borne out by the text.
On the dependent side, what actually trips people up more is the ascendant — the applicant must be head of household, the three years must be met, and if either parent or the parent’s spouse owns a home, both drop out. For a child aged 30 or over the period is one year.
Sources
Appendix 1 to the Rules on Housing Supply — criteria for the points system (re Article 2(8)) (amended 18 December 2024) — annexed table. All three pages read; the three lines of section 1(b) are quoted above, and “unborn”, “military service” and “conscription” do not appear once — where this page had said it could not verify these three cases (checked 18 September 2026).
Appendix 1 to the Rules on Housing Supply (the scoring table) — 32 points for years without a home, 35 for dependents, 17 for the subscription account, with the bands for each. The version in force took effect on 15 June 2026 (Ministry of Land, Infrastructure and Transport Ordinance No. 1592).
Articles 2 and 53 of the same Rules — the definition of a household without a home, and the test for whether someone owns one. The small, low-priced home thresholds were revised on 18 December 2024 to apartments of 60㎡ or less with an assessed value at or below KRW 160m in the capital region and KRW 100m elsewhere, and non-apartments of 85㎡ or less at or below KRW 500m and KRW 300m.
The scoring table was checked in two places independently. Copying from one source cannot reveal that the source is stale, so two unrelated tables were compared band by band before anything went into the calculator. The three-page PDF of Appendix 1 was opened and read band by band on the national statute portal on 26 August 2026. All 17 no-home bands, 7 dependent bands and 17 account bands matched this calculator exactly.
What was missing was note 2 of the Appendix — up to 3 points may be added from 50% of a spouse’s subscription-account period. A new section covers it, and explains why the calculator leaves it out.
The rule that “a change of product, amount or account holder keeps the original opening date” is in the Appendix too, filling a gap this piece had left open.
Where to check further
The notice for the development you are applying to. The scored proportion, the deposit threshold and the residency requirement are all stated there. These 84 points cover only the ranking part.
Your residence registration and the property register. How long a dependent has been registered, and the date a home was sold, belong on paper rather than in memory. A parent’s ownership does not appear on your own registration and has to be looked up separately.
The bank that opened the account. They will give you the priority-start date on the spot.
Unborn children, grandchildren, children on military service. We opened Appendix 1 to check — the three answers differ. The special-supply child count and this dependent count are still different tests, so do not mix them, and confirm the actual application against the notice.
