diff --git a/changelog.d/frs-boarder-lodger-rent.added.md b/changelog.d/frs-boarder-lodger-rent.added.md
new file mode 100644
index 00000000..813e57a7
--- /dev/null
+++ b/changelog.d/frs-boarder-lodger-rent.added.md
@@ -0,0 +1 @@
+Carry the rent that boarders and lodgers pay the householder (FRS CVPAY, split by CONVBL) as the person inputs `rent_paid_as_boarder` and `rent_paid_as_lodger`.
diff --git a/policyengine_uk_data/datasets/frs.py b/policyengine_uk_data/datasets/frs.py
index 6ae20a90..4b5fbab6 100644
--- a/policyengine_uk_data/datasets/frs.py
+++ b/policyengine_uk_data/datasets/frs.py
@@ -248,6 +248,41 @@ def frs_property_income(person: pd.DataFrame, household: pd.DataFrame) -> np.nda
     ).values
 
 
+def frs_boarder_and_lodger_rent(person: pd.DataFrame) -> tuple[np.ndarray, np.ndarray]:
+    """Annual rent each person pays the householder as a boarder and as a lodger.
+
+    CVPAY is the weekly rent a boarder or lodger pays the householder, held
+    on the payer's own adult record. The FRS asks it about each person not
+    related to the household reference person in the second and later
+    benefit units of a conventional household (question CvPay), and CONVBL
+    says which the person is:
+
+    - 1, a boarder, "someone who pays you a rent for board and lodging";
+    - 2, a lodger, "someone who pays you a rent for lodging, but not food".
+
+    A positive CVPAY with any other CONVBL is classed as a lodger's.
+
+    CVPAY is the amount after deducting any state benefits to help with rent.
+    The FRS derived variables BOARDER and LODGER add housing benefit paid for
+    the benefit unit (HBOTHAMT); they equal the unit's summed CVPAY in every
+    paying unit of the raw 2023-24 and 2024-25 data.
+
+    The released data hold this rent only on the payer's record; there is
+    no separate variable for what the householder receives, and the FRS
+    gross-income derivation leaves it out. policyengine-uk works out the
+    householder's receipt from these two inputs.
+
+    Weekly amounts are annualised with ``WEEKS_IN_YEAR`` (365.25 / 7), as for
+    every other weekly FRS amount. policyengine-uk converts annual amounts
+    back to weekly with 52 weeks, so a weekly amount reaches its weekly
+    disregards about 0.34% higher; that convention gap is not specific to
+    these columns.
+    """
+    rent_paid = np.maximum(0, person.cvpay.fillna(0).values) * WEEKS_IN_YEAR
+    is_boarder = person.convbl.values == 1
+    return rent_paid * is_boarder, rent_paid * ~is_boarder
+
+
 def derive_is_in_non_advanced_education(
     current_education,
     is_apprentice=None,
@@ -1112,6 +1147,10 @@ def determine_education_level(fted_val, typeed2_val, age_val):
         * 52,
     )
     pe_person["property_income"] = frs_property_income(person, household)
+    (
+        pe_person["rent_paid_as_boarder"],
+        pe_person["rent_paid_as_lodger"],
+    ) = frs_boarder_and_lodger_rent(person)
     maintenance_to_self = np.maximum(
         pd.Series(np.where(person.mntus1 == 2, person.mntusam1, person.mntamt1)).fillna(
             0
diff --git a/policyengine_uk_data/storage/uprating_factors.csv b/policyengine_uk_data/storage/uprating_factors.csv
index dacd591b..8f2b274f 100644
--- a/policyengine_uk_data/storage/uprating_factors.csv
+++ b/policyengine_uk_data/storage/uprating_factors.csv
@@ -61,6 +61,8 @@ private_pension_income,1.0,1.003,1.053,1.106,1.161,1.216,1.261,1.288,1.315,1.346
 private_transfer_income,1.0,1.0,1.092,1.147,1.19,1.223,1.258,1.297,1.34,1.384,1.384,1.384,1.384,1.384,1.384
 property_income,1.0,1.0,1.092,1.147,1.19,1.223,1.258,1.297,1.34,1.384,1.384,1.384,1.384,1.384,1.384
 recreation_consumption,1.0,1.04,1.144,1.209,1.237,1.277,1.301,1.327,1.353,1.38,1.38,1.38,1.38,1.38,1.38
+rent_paid_as_boarder,1.0,1.0,1.092,1.147,1.19,1.223,1.258,1.297,1.34,1.384,1.384,1.384,1.384,1.384,1.384
+rent_paid_as_lodger,1.0,1.0,1.092,1.147,1.19,1.223,1.258,1.297,1.34,1.384,1.384,1.384,1.384,1.384,1.384
 restaurants_and_hotels_consumption,1.0,1.04,1.144,1.209,1.237,1.277,1.301,1.327,1.353,1.38,1.38,1.38,1.38,1.38,1.38
 savings,1.0,1.0,1.092,1.147,1.19,1.223,1.258,1.297,1.34,1.384,1.384,1.384,1.384,1.384,1.384
 savings_interest_income,1.0,1.0,1.092,1.147,1.19,1.223,1.258,1.297,1.34,1.384,1.384,1.384,1.384,1.384,1.384
diff --git a/policyengine_uk_data/storage/uprating_growth_factors.csv b/policyengine_uk_data/storage/uprating_growth_factors.csv
index 122b4ed6..a01ad7c2 100644
--- a/policyengine_uk_data/storage/uprating_growth_factors.csv
+++ b/policyengine_uk_data/storage/uprating_growth_factors.csv
@@ -61,6 +61,8 @@ private_pension_income,0,0.003,0.05,0.05,0.05,0.047,0.037,0.021,0.021,0.024,0.0,
 private_transfer_income,0,0.0,0.092,0.05,0.037,0.028,0.029,0.031,0.033,0.033,0.0,0.0,0.0,0.0,0.0
 property_income,0,0.0,0.092,0.05,0.037,0.028,0.029,0.031,0.033,0.033,0.0,0.0,0.0,0.0,0.0
 recreation_consumption,0,0.04,0.1,0.057,0.023,0.032,0.019,0.02,0.02,0.02,0.0,0.0,0.0,0.0,0.0
+rent_paid_as_boarder,0,0.0,0.092,0.05,0.037,0.028,0.029,0.031,0.033,0.033,0.0,0.0,0.0,0.0,0.0
+rent_paid_as_lodger,0,0.0,0.092,0.05,0.037,0.028,0.029,0.031,0.033,0.033,0.0,0.0,0.0,0.0,0.0
 restaurants_and_hotels_consumption,0,0.04,0.1,0.057,0.023,0.032,0.019,0.02,0.02,0.02,0.0,0.0,0.0,0.0,0.0
 savings,0,0.0,0.092,0.05,0.037,0.028,0.029,0.031,0.033,0.033,0.0,0.0,0.0,0.0,0.0
 savings_interest_income,0,0.0,0.092,0.05,0.037,0.028,0.029,0.031,0.033,0.033,0.0,0.0,0.0,0.0,0.0
diff --git a/policyengine_uk_data/tests/test_frs_boarder_lodger_rent.py b/policyengine_uk_data/tests/test_frs_boarder_lodger_rent.py
new file mode 100644
index 00000000..96e567a3
--- /dev/null
+++ b/policyengine_uk_data/tests/test_frs_boarder_lodger_rent.py
@@ -0,0 +1,183 @@
+import numpy as np
+import pandas as pd
+import pytest
+
+from policyengine_uk_data.datasets.frs import (
+    WEEKS_IN_YEAR,
+    frs_boarder_and_lodger_rent,
+    frs_property_income,
+)
+
+HRP, NOT_HRP = 1, 2
+BOARDER, LODGER, NEITHER, NOT_ASKED = 1, 2, 3, 0
+OWNED_OUTRIGHT = 6
+
+
+def make_person(people):
+    return pd.DataFrame(people, columns=["person_id", "convbl", "cvpay"])
+
+
+def test_a_boarder_pays_rent_as_a_boarder():
+    boarder, lodger = frs_boarder_and_lodger_rent(
+        make_person([(1_001, NOT_ASKED, 0), (1_002, BOARDER, 120)])
+    )
+    np.testing.assert_allclose(boarder, [0, 120 * WEEKS_IN_YEAR])
+    assert lodger.tolist() == [0, 0]
+
+
+def test_a_lodger_pays_rent_as_a_lodger():
+    boarder, lodger = frs_boarder_and_lodger_rent(
+        make_person([(1_001, NOT_ASKED, 0), (1_002, LODGER, 100)])
+    )
+    assert boarder.tolist() == [0, 0]
+    np.testing.assert_allclose(lodger, [0, 100 * WEEKS_IN_YEAR])
+
+
+@pytest.mark.parametrize("convbl", [NEITHER, NOT_ASKED, -1, np.nan])
+def test_rent_without_a_boarder_code_is_a_lodgers(convbl):
+    boarder, lodger = frs_boarder_and_lodger_rent(make_person([(1_001, convbl, 90)]))
+    assert boarder.tolist() == [0]
+    np.testing.assert_allclose(lodger, [90 * WEEKS_IN_YEAR])
+
+
+@pytest.mark.parametrize("cvpay", [0, -1, -30, np.nan])
+@pytest.mark.parametrize("convbl", [BOARDER, LODGER, NEITHER])
+def test_no_positive_amount_means_no_rent(convbl, cvpay):
+    boarder, lodger = frs_boarder_and_lodger_rent(make_person([(1_001, convbl, cvpay)]))
+    assert boarder.tolist() == [0]
+    assert lodger.tolist() == [0]
+
+
+def test_adult_and_child_rows_sharing_index_labels():
+    # create_frs stacks the adult and child tables and fills the gaps with
+    # zero, so index labels repeat and child rows carry CVPAY 0 and CONVBL 0.
+    adults = make_person([(1_001, NOT_ASKED, 0), (1_002, BOARDER, 70)])
+    children = pd.DataFrame({"person_id": [1_003]})
+    person = pd.concat([adults, children]).sort_index(kind="stable").fillna(0)
+    assert person.index.tolist() == [0, 0, 1]
+    boarder, lodger = frs_boarder_and_lodger_rent(person)
+    np.testing.assert_allclose(boarder, [0, 0, 70 * WEEKS_IN_YEAR])
+    assert lodger.tolist() == [0, 0, 0]
+
+
+def random_tables(seed: int):
+    """Random households of one to four adults; the first is the HRP."""
+    rng = np.random.default_rng(seed)
+    people, households = [], []
+    for household_id in range(1, rng.integers(1, 30) + 1):
+        households.append((household_id, int(rng.integers(1, 9)), 0.0))
+        for person in range(1, rng.integers(1, 5) + 1):
+            people.append(
+                (
+                    household_id,
+                    household_id * 1_000 + person,
+                    HRP if person == 1 else NOT_HRP,
+                    float(rng.choice([0, rng.uniform(0, 2_000)])),
+                    rng.choice([BOARDER, LODGER, NEITHER, NOT_ASKED, -1, np.nan]),
+                    rng.choice([0, rng.uniform(0, 400), -1, np.nan]),
+                )
+            )
+    person = pd.DataFrame(
+        people,
+        columns=["household_id", "person_id", "hrpid", "royyr1", "convbl", "cvpay"],
+    )
+    household = pd.DataFrame(
+        households, columns=["household_id", "tentyp2", "subrent"]
+    ).set_index("household_id")
+    return person, household
+
+
+SEEDS = range(200)
+
+
+@pytest.mark.parametrize("seed", SEEDS)
+def test_boarder_and_lodger_rent_conserves_reported_rent(seed):
+    # Every positive CVPAY is counted once, in exactly one of the two classes.
+    person, _ = random_tables(seed)
+    boarder, lodger = frs_boarder_and_lodger_rent(person)
+    assert (boarder >= 0).all() and (lodger >= 0).all()
+    assert not ((boarder > 0) & (lodger > 0)).any()
+    paid = person.cvpay.where(person.cvpay > 0, 0)
+    np.testing.assert_allclose(boarder + lodger, paid * WEEKS_IN_YEAR)
+    np.testing.assert_allclose(
+        boarder.sum(), paid[person.convbl == BOARDER].sum() * WEEKS_IN_YEAR
+    )
+
+
+@pytest.mark.parametrize("seed", SEEDS)
+def test_extra_rent_moves_only_the_person_who_pays_it(seed):
+    person, _ = random_tables(seed)
+    person["cvpay"] = person.cvpay.where(person.cvpay > 0, 0)
+    before = sum(frs_boarder_and_lodger_rent(person))
+    row = seed % len(person)
+    person.loc[row, "cvpay"] += 10
+    after = sum(frs_boarder_and_lodger_rent(person))
+    change = np.zeros(len(person))
+    change[row] = 10 * WEEKS_IN_YEAR
+    np.testing.assert_allclose(after - before, change)
+
+
+@pytest.mark.parametrize("seed", SEEDS)
+def test_rent_paid_and_property_income_do_not_affect_each_other(seed):
+    person, household = random_tables(seed)
+    property_income = frs_property_income(person.fillna(0), household)
+    rent_paid = frs_boarder_and_lodger_rent(person)
+    np.testing.assert_array_equal(
+        frs_property_income(
+            person.fillna(0).assign(cvpay=0.0, convbl=NOT_ASKED), household
+        ),
+        property_income,
+    )
+    other_property = person.assign(royyr1=person.royyr1 + 50)
+    for changed, original in zip(
+        frs_boarder_and_lodger_rent(other_property), rent_paid
+    ):
+        np.testing.assert_array_equal(changed, original)
+
+
+RENT_COLUMNS = ["rent_paid_as_boarder", "rent_paid_as_lodger"]
+
+
+@pytest.mark.parametrize(
+    "table", ["uprating_factors.csv", "uprating_growth_factors.csv"]
+)
+def test_rent_paid_is_uprated_like_sublet_income(table):
+    # policyengine-uk uprates both inputs with the per capita GDP index it
+    # uses for sublet_income, so their rows must match.
+    from policyengine_uk_data.storage import STORAGE_FOLDER
+
+    factors = pd.read_csv(STORAGE_FOLDER / table).set_index("Variable")
+    for column in RENT_COLUMNS:
+        pd.testing.assert_series_equal(
+            factors.loc[column], factors.loc["sublet_income"], check_names=False
+        )
+
+
+def test_rent_paid_is_uprated_to_the_calibration_year():
+    # The build materialises the survey-year dataset at the calibration year
+    # before calibrating; the rent paid must move with it.
+    from policyengine_uk.data import UKSingleYearDataset
+
+    from policyengine_uk_data.storage import STORAGE_FOLDER
+    from policyengine_uk_data.utils.uprating import uprate_dataset
+
+    person = pd.DataFrame(
+        {
+            "person_id": [1_001, 1_002],
+            "person_benunit_id": [101, 102],
+            "person_household_id": [1, 1],
+            "rent_paid_as_boarder": [0.0, 100 * WEEKS_IN_YEAR],
+            "rent_paid_as_lodger": [80 * WEEKS_IN_YEAR, 0.0],
+        }
+    )
+    benunit = pd.DataFrame({"benunit_id": [101, 102]})
+    household = pd.DataFrame({"household_id": [1], "household_weight": [1.0]})
+    dataset = UKSingleYearDataset(
+        person=person, benunit=benunit, household=household, fiscal_year=2024
+    )
+    uprated = uprate_dataset(dataset, 2025)
+    factors = pd.read_csv(STORAGE_FOLDER / "uprating_factors.csv").set_index("Variable")
+    growth = factors.loc["sublet_income", "2025"] / factors.loc["sublet_income", "2024"]
+    assert growth > 1
+    for column in RENT_COLUMNS:
+        np.testing.assert_allclose(uprated.person[column], person[column] * growth)
diff --git a/policyengine_uk_data/tests/test_legacy_benefit_proxies.py b/policyengine_uk_data/tests/test_legacy_benefit_proxies.py
index 5f1acd85..dc52389f 100644
--- a/policyengine_uk_data/tests/test_legacy_benefit_proxies.py
+++ b/policyengine_uk_data/tests/test_legacy_benefit_proxies.py
@@ -1,9 +1,11 @@
 import numpy as np
 import pandas as pd
 import policyengine_uk
+import pytest
 import policyengine_uk_data.datasets.frs as frs_module
 
 from policyengine_uk_data.datasets.frs import (
+    WEEKS_IN_YEAR,
     add_legacy_benefit_proxies,
     attach_legacy_benefit_proxies_from_frs_person,
     apply_legacy_benefit_proxies,
@@ -373,7 +375,13 @@ def calculate(self, variable, year=None):
         raise KeyError(variable)
 
 
-def test_create_frs_smoke_includes_legacy_proxy_columns(tmp_path, monkeypatch):
+@pytest.mark.parametrize(
+    "convbl, cvpay, boarder_weekly, lodger_weekly",
+    [(0, 0, 0, 0), (1, 100, 100, 0), (2, 80, 0, 80)],
+)
+def test_create_frs_smoke_includes_legacy_proxy_columns(
+    tmp_path, monkeypatch, convbl, cvpay, boarder_weekly, lodger_weekly
+):
     original_read_csv = frs_module.pd.read_csv
 
     def fake_read_csv(path, *args, **kwargs):
@@ -421,7 +429,8 @@ def fake_read_csv(path, *args, **kwargs):
                 "ademaamt": 0,
                 "age": 30,
                 "age80": 30,
-                "cvpay": 0,
+                "convbl": convbl,
+                "cvpay": cvpay,
                 "educft": 0,
                 "educqual": 0,
                 "eduma": 0,
@@ -561,3 +570,10 @@ def fake_read_csv(path, *args, **kwargs):
     ].iloc[0]
     assert dataset.person["education_grants"].iloc[0] == 100
     assert dataset.person["disabled_students_allowance_eligible_expenses"].iloc[0] == 0
+    # create_frs carries the rent this person pays the householder, by class.
+    assert dataset.person["rent_paid_as_boarder"].iloc[0] == pytest.approx(
+        boarder_weekly * WEEKS_IN_YEAR
+    )
+    assert dataset.person["rent_paid_as_lodger"].iloc[0] == pytest.approx(
+        lodger_weekly * WEEKS_IN_YEAR
+    )