I would say your household size is 2 but your expenses (which will work for income, too) are only the half, not the whole. You do not have to include your boyfriend's income but do have to give an idea of what you are living on, which would be a rough idea of the expenses you pay. My husband and I are retired and have no income either, live mostly on dividends. It gets very confusing, refinancing the house, etc. :-) If you spend $1000 a month average, then I'd put your income at $12,000 and maybe qualify it with a "from savings" if there's an obvious place to do that.