Income Verification Letter 2024 (guide & free samples)

This post covers income verification letter.

In many cases, when renting or purchasing a home, proof of income may be required to demonstrate that an individual can make bare all necessary costs.

What proves that someone is capable to meet all required payments?- an income verification letter.

Income verification letters are frequently used by landlords and creditors to ensure that potential tenants and borrowers are employed and have a consistent source of income.

Here I will take you through everything you need to know about income verification letter, including;

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  • What is an income verification letter
  • Why is it necessary
  • When do you need it
  • how to write a strong income verification letter
  • Sample income verification letter
  • etc.

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What is an income verification letter?

An income verification letter is a brief statement of facts written by an employer to confirm that a person (specifically, one of his employees) is employed and receiving a certain rate of salary.

This letter is also known as

  • Employment verification letter
  • Salary Verification Letter
  • Work Verification Letter
  • Employment confirmation letter
  • etc.

My definition above, clearly indicated that an income verification letter is written by an employer.

What if you are self-employed?

No one can provide you with an income verification letter if you are self-employed.

So, can I write a self-employed income verification letter on my behalf? a big YES

If you are self-employed you can write an income verification letter for yourself but it must be notarized and accompanied by additional documents to make it holds water.

The documents that may support your self-employed income verification letter include;

  1. IRS Form 1099 Miscellaneous Income
  2. Tax returns
  3. Bank statements

Why income verification letter is necessary?

When it comes to money, everyone, landlords, bankers, creditors, and so on, needs to feel secure.

In some cases, potential tenants or borrowers may lie about their job title, place of employment, or income, and the income verification letter is a simple way to ensure that people are telling the truth on their rental or loan application.

Third parties are not attempting to be nosy by requesting your personal income information.

They simply want to ensure that you can afford the transaction and have a steady source of income.

An income verification letter assures landlords or creditors that prospective renters or borrowers can afford the deal so that they do not lose money from their clients.

Third parties frequently require employees to validate their income verification letter with at least two proof of income documents to protect against false claims.

Those documents may include;

  1. Paystubs
  2. Tax returns (1040)
  3. Wage and tax statements (W-2)
  4. Social security proof of income / Benefits Verification Letter
  5. A Workers’ compensation letter
  6. Bank statements

When do you need an income verification letter?

An income verification letter is commonly needed when

  1. Applying for tenancy
  2. Applying for an auto loan or mortgage
  3. Pursuing another employment opportunity
  4. Requesting a loan payment deferral or reduction

The requestor of the income information will use an income verification letter to confirm that the individual has a stable job and an income stream sufficient to cover the monthly payment.

How to write an income verification letter

The letter of income verification is written in business letter format. Begin your letter with your address and contact information, followed by a date and the address of the recipient, and state that you are writing to confirm a person’s employment status and income. Finish with “With Regards,” followed by your name and signature.

REMEMBER! The purpose of an income verification letter is to confirm that a person has enough money to make monthly payments on a major transaction, such as a rental application, mortgage, or loan.

So, in order to write an effective income verification letter, do the following;

  • Provide your name, address, and contact information
  • Include the date of the letter
  • Include the recipient’s address
  • Provide Requester’s name and address
  • Include the employee’s name, job title, and current salary
  • Provide employment dates
  • Attach documents, records, or other income-proof documentation for easy reference.
  • Maintain a professional tone
  • Be honest

Format of income verification letter

The following is the format of the income verification letter

  • Employer’s Address
  • Date
  • recipient’s address
  • Subject line
  • Salutation
  • [opening paragraph]- A statement that you are writing to confirm a person’s employment status and income
  • [body paragraphs]- details of the employment and income
  • [closing paragraphs] – contact for further queries
  • name and signature

Sample income verification letter

Brown Jobs
BAC logistics
1220 West Drive
City-center, CA 10101

December 30, 20…

Jane Smith
General Manager
Sweet Home Apartments
121 Home street
Downtown, CA 10104

Re: Income Verification for Harrisonburg Jones

Dear Ms.Smith

Accept this letter as proof of Harrisonburg Jones’s employment with BAC logistics. Mr. Jones joined our company on January 10, 20…as a Sales Manager, a position he has held for the past 5 years.

Mr. Jones receives a monthly salary of $15,000 from our company.

If you have any additional questions, please contact me at or (198)-100-9000.


Brown Jobs

Income verification letter self-employed

Grayson Jones
A_link Softwares
City Drive
Downtown, CA 56898

December 30, 20…

Nathan Thompson
Branch Manager
ABC Bank
104  Money street
Downtown, CA 56868

Re: My Income Verification (self-employed)

Dear Mr.Thompson

I’m writing to confirm my income status as a self-employed software engineer at A link Software for mortgage application #899869598590

I’ve been a web developer for 13 years, and my current annual earnings total $550,000 based on the last four years.

Please find enclosed a Tax Letter confirming my self-employment status, as well as a current invoice from a customer in my field of work.

If you require any additional information to validate my status and income, such as bank statements or tax returns, please contact me at (198)-925-0789 or


Grayson Jones
A_link Softwares


State of California

County of Los Angeles

On this  11 day of  December 20_____, before me, John Brownie personally appeared Grayson Jones personally known to me or who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to this instrument and acknowledged to me that he/she executed the same and that by his/her signature on this instrument the person executed this instrument.

_______________   (Seal, if any)

Signature of Notary

My commission expires: on December 30, 2030

Income verification letter for an independent contractor

This letter can be used to demonstrate an independent contractor’s overall income or income from specific contracts. It can be furnished by a company or written by the contractor.

Company Name
Company Address
City, State, Zip Code


[Recipient’s Name]
[Recipient’s Street Address]
[Recipient’s City, State, and Zip Code]

RE: Income verification letter for James Harrison, Independent Contractor

Dear [Recipient’s name]

This letter is to confirm that James Harrison is an independent contractor for [Company name] and has been with us since January 10, 20…

Duties carried out:

  • [List of primary responsibilities]

Salary: $50,000 per month
Working Hours: 9/day

We are pleased to inform you that James Harrison is punctual, diligent, and trustworthy.

If you require any additional information or have any questions, please contact our Human Resources Department at [email] or [phone].



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Isack Kimaro
Isack Kimaro

Isack Kimaro brings over 7 years of extensive experience in professional writing. My career has been dedicated to mastering the art of clear, effective communication, essential for successfully professional correspondence.