How to Get Your Own Apartment

To get your own place, you’ll need to show landlords that you can afford the rent, pass a credit and background check, and submit a complete rental application. In some cases, you may also need a co-signer to guarantee the lease.

Whether you’re relocating for a job, or simply craving more space and privacy, living alone can be a practical and rewarding choice. But solo renting usually means higher costs and more upfront planning — especially if it’s your first time signing a lease on your own.

This guide breaks down everything you’ll need to know about getting your own apartment, including costs to consider, what landlords check for, and how to strengthen your application, even if your credit or income needs a boost.

Set a budget for rent and move-in costs

According to rental market trends, the typical monthly rent in the United States is $2,005 as of March 2025. However, actual rent prices vary widely based on location, apartment size, and amenities, so your personal budget may need to be higher or lower than that benchmark.

Aim to spend no more than 30% of your gross monthly income on rent. Factor in the additional expenses that can come with moving into your own apartment.

Here are the upfront costs most renters pay when getting their own apartment:

• Application fees: Typically $20–$100 per applicant. These cover background and credit checks and are usually nonrefundable, even if you don’t get the apartment. With the Zillow® rental application, you can pay one $35 fee to apply to as many participating properties for 30 days.
• Security deposit: Usually equal to one month’s rent, but may be higher in competitive markets.
• First month’s rent: Almost always required upfront before you move in — this is your first regular rent payment and is typically due when you sign the lease or get the keys.
• Last month’s rent: Some landlords and property managers may require last month’s rent upfront, too, especially in competitive markets.
• Utility setup fees: Many providers charge activation or deposit fees when you start service for electricity, gas, water, or internet. Ask landlords which utilities you’ll be responsible for.
• Moving expenses: Costs vary widely based on how far you’re going, whether you hire movers, and the time of year. A local DIY move might cost $200, while a full-service cross-country move can exceed $5,000.
• Renters insurance: Often required by landlords, renters insurance typically costs $15–$30 per month. It protects your belongings in case of theft, fire, or water damage.

Be ready to show proof of income and credit history

Landlords typically want to see that you earn at least 2–3 times the monthly rent and have a reliable source of income. If you’re a freelancer or new to the workforce, you can provide your most recent pay stubs, tax documents, or a letter from your employer as proof.

Your credit score matters too. Most landlords look for a minimum credit score of 600–650, but requirements vary by city and property. A higher score could give you access to more options and stronger negotiating power.

If you need to build your credit, consider reporting your on-time rent payments to credit bureaus for free through Zillow Rent Reporting.

Consider asking someone you trust to co-sign

If your credit score or income falls short of a landlord’s requirements, a co-signer can help you qualify. A co-signer (often a parent, guardian, or trusted friend) agrees to take on financial  responsibility for the lease if you’re unable to pay the rent.

To approve a co-signed lease agreement, landlords typically require your co-signer to:

• Have a strong credit score (usually 700+)
• Show stable income — often 3-4 times the monthly rent
• Provide documentation like pay stubs, a credit check, or tax returns

You should mention that you plan to have a co-signer on the lease when you submit your application, especially if you’re applying for a unit that’s in high demand or run by a larger property management company. Some may have a formal co-signer process, while others may not accept them at all.

If a co-signer isn’t an option, look for rentals managed by private landlords, who may be more flexible about income or credit. In some areas, third-party guarantor services are available for a fee, though they may not be accepted everywhere.

Research apartments nearby (or expand your search)

Start by researching nearby apartments to find options that fit your budget, lifestyle, and location preferences. Take the time to compare amenities, read reviews, and schedule tours to make the best decision for your next home. If your dream apartment is out of reach, these simple shifts can help you land a place that fits your budget and needs:

• Widen your location range: Search in up-and-coming neighborhoods, farther from downtown, or near public transit.
• Shrink your wish list: Choosing a smaller unit, fewer amenities, or an older building could lower your rent. Use Zillow filters to search by price, number of bedrooms, pet policy, amenities, and move-in date to find listings that match your priorities.
• Time it right: Rent prices often dip in winter or late fall — consider moving during the off-season if you can.
• Go beyond the big sites: Local bulletin boards, neighborhood Facebook groups, and community rental boards may have listings that turn out to be hidden gems.

Submit applications for place you like

A strong rental application helps you stand out, especially in competitive markets where landlords may receive multiple applicants in a single day. Being prepared shows you’re serious, organized, and ready to move. Gather all the documents you need to rent an apartment. 

Here’s what landlords typically look for:

• Government-issued photo ID
• Proof of income, such as recent pay stubs, tax returns, or an offer letter
• Credit report or score (some landlords will request this directly)
• Rental references — previous landlords are ideal, but employers or professors may be acceptable
• Co-signer details, if your credit or income doesn’t meet requirements
  

What if you don’t have rental history? If you’re a first-time renter, that’s OK. You can offer references from jobs, internships, or professors who can speak to your responsibility and communication. Some renters also include a short cover letter with their application to explain their background and rental goals.

Having all this documentation ready ahead of time can speed up your application and give you an edge — especially if there are other interested renters touring the same place.

Review the lease and sign

You’ve found a place that feels like it could be home — now it’s time to make sure everything lines up before you make it official. Review the lease and ask the right questions to avoid surprises, clarify expectations, and feel confident about your decision.

Here’s a quick checklist to guide you before signing a lease:

1. Tour in person if possible. Test outlets, faucets, locks, and windows. Ask for a live video tour if you can’t see it in person. 
2. Research the neighborhood. Walk or drive by at different times of day. Check commute times, safety, and noise levels.
3. Ask about utilities and fees. Who pays for heat, water, and trash? Are there fees for amenities, parking, or pets?
4. Read the entire lease. Look for rules on guests, subleasing, maintenance requests, or lease-break penalties.
5. Clarify anything that seems vague. Don’t be afraid to ask questions or negotiate before signing.
   

Getting your own place is a big step — but with the right preparation, it can be exciting and empowering to get your own apartment!