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. Unborn children, grandchildren and children on military service are cases we could not verify against the regulation itself — read them off the notice for the development you are applying 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 | Steps |
|---|---|---|---|
| Dependents | 35 (41.7%) | 1 person = 5 points | 0 people 5 → 6 or more 35, seven steps |
| Years without a home | 32 (38.1%) | 1 year = 2 points | under 1 year 2 → 15 years or more 32, seventeen steps |
| Subscription account | 17 (20.2%) | 1 year = 1 point | under 6 months 1 → 15 years or more 17, seventeen steps |
| Total | 84 | — | — |
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 | Period | Points |
|---|---|---|---|
| Unmarried | 15 Mar 2021 (age 30) | 5 years | 12 |
| Married 1 Jun 2019 | 1 Jun 2019 (marriage is earlier) | 7 years | 16 |
| Married 1 Jun 2024 | 15 Mar 2021 (age 30 is earlier) | 5 years | 12 |
| Married 2019, sold 20 Oct 2022 | 20 Oct 2022 (the sale) | 3 years | 8 |
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.
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.
Questions that remain
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 is not supposed to. The period is measured from the original opening date, and topping up the deposit, converting the product or receiving a transferred account are all described as carrying that date across. Transfers are only permitted in defined circumstances, and we could not verify this against the regulation itself — 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.
Sources
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 statute itself could not be opened — the national law portal blocks automated retrieval.
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. These three we could not verify against the regulation. The special-supply child count and this dependent count are different tests — read them off the notice rather than mixing them.
