Your off-campus housing game plan
A good apartment is more than a good photo. Use this framework to compare the full commitment before you sign or send money.
Educational information only. Lease rules and tenant rights vary. Consider qualified local legal or housing assistance for advice about your situation.
1. Start with an all-in monthly number
Add rent, mandatory fees, estimated utilities, internet, parking, renters insurance, transportation, laundry, and furnishing. If rent is quoted “per bedroom,” confirm whether roommates have separate leases or share responsibility for the entire unit.
2. Choose roommates deliberately
- Compare budgets and payment habits.
- Discuss guests, noise, cleaning, pets, food, and shared purchases.
- Understand what happens if someone transfers, studies abroad, or stops paying.
- Put roommate agreements in writing, while recognizing they may not alter the lease.
3. Verify before paying
Tour in person when possible. Independently confirm the owner or manager, property address, and payment instructions. Be cautious of pressure, wire transfers, gift cards, crypto, no-tour excuses, copied photos, or rent far below comparable homes.
4. Read the entire lease
Look for the term, renewal, joint liability, guaranty, deposits, move-in fees, utilities, maintenance reporting, guests, subleasing, pets, parking, late fees, entry rights, insurance, damage, and early termination. Verbal promises should be included in a signed writing.
5. Protect move-in day
Photograph every room, complete the condition report on time, save communications and receipts, test locks and safety devices, and know how to report urgent maintenance.