A villa is out of the question. You can afford a small flat if you use almost 1/2 of your income. Bear in mind: Rents are paid in one or two checks. You'll need to work out enough cash for that upfront-or perhaps your employer will foot the bill and allow you to repay him/her. The remainder of your income, provided that you do not have a load of debt back home, will support a modest car payment, utilities, and perhaps even an annual holiday (depending on your tastes).