International Student Renters FAQ: Real Answers to Your Most Common Questions

Are you an international student wondering how to rent in the U.S.? You are not alone. Our International Student Renters FAQ gives you clear, factual answers to the most common questions foreign students ask when searching for off-campus housing. From understanding what documents you need to figuring out how to rent without a Social Security Number or credit history, this guide helps you feel prepared. Whether you are renting for the first time or just need to know the basics, this FAQ is part of our complete international student renters guide. We cover everything in plain language so you can rent with confidence. Start here to learn what to expect, what to bring, and what steps to take next.

Renting Basics for International Students

Renting as an international student in the U.S. can feel confusing at first, but it is completely possible, even without a credit score or Social Security Number. This guide covers the basics so you can begin your housing search with confidence.

Can international students rent apartments in the U.S.?

Yes. As long as you have the right documentation, such as a valid visa, proof of enrollment, and financial records, most landlords will consider your application. You may need to provide additional proof of income or consider alternative options, such as a guarantor.

Is it legal to rent without a Social Security Number?

Yes. A Social Security Number (SSN) is often requested for background or credit checks, but it is not required by law. Many landlords will accept other forms of documentation if you do not have an SSN.

What’s a lease?

A lease is a legal agreement between you and the landlord. It outlines how long you will stay, how much you will pay, and what rules you must follow while living there. Leases are typically signed for 6 to 12 months.

What is a guarantor?

A guarantor is someone who agrees to cover your rent if you cannot pay. They are usually required when you do not have a U.S. credit history or stable income. Guarantors must meet financial requirements and are often based in the U.S.

Understanding these basics makes renting in the U.S. less stressful. With the right information, international students can rent smart and avoid surprises.

Documents You’ll Need

Renting an apartment in the U.S. as an international student requires a few key documents. Each one plays a role in helping landlords verify your identity, legal status, and financial reliability. Knowing what to prepare ahead of time can make your rental search much smoother.

What documents are required to rent?

At a minimum, most landlords will ask for the following:

• Passport: This serves as your official identification.

• Visa (F-1, J-1, etc.): Confirms your legal status and purpose in the U.S.

• I-20 or DS-2019: Shows proof of enrollment at a U.S. institution.

• Proof of Funds or Income: This may be a bank statement, scholarship award, or a financial sponsor letter. It assures the landlord you can afford the rent.

• Rental Application: You’ll typically fill this out online or on paper. It includes basic personal and housing history details.

Some landlords may also request references, such as from a school advisor or previous housing provider.

Do I need a U.S. bank account?

Not always, but it helps. A U.S. bank account allows you to pay rent by check, ACH, or debit card. Some landlords may accept international bank transfers or allow third-party payments, but a U.S. account often makes the process easier and faster.

Can I use my visa or I-20 as ID?

These documents support your rental application but do not replace a primary ID like a passport. Your visa or I-20 proves your student status and eligibility to stay in the U.S., which is important when a landlord evaluates long-term rental agreements.

Having the right documents ready shows that you are organized and serious about renting. It also helps build trust with landlords, especially if you are new to the U.S. housing market. Save digital copies, keep printed backups, and organize everything in one folder before starting your apartment search.

Also Read These:

Best Companies for International Students Renting in the U.S.

Lease Terms Glossary for International Students: Understand Before You Sign

The International Student’s Guide to Renting in the U.S. (Without a SSN)

International Student Move-In Checklist: What to Pack, Buy, and Plan

What Documents Do You Need to Rent as an International Student? 

How to Rent an Apartment Without a U.S. SSN or Credit History

International Renters Insurance: What Students Need to Know Before Signing a Lease

Insurance Requirements & Tips

Renters’ insurance is one of the most overlooked but valuable parts of moving into a new apartment, especially for international students. It protects your personal belongings and offers liability coverage in case of accidents or unexpected damage.

Is renters’ insurance required for international students?

Not always, but many landlords and student housing providers do require proof of renters’ insurance before move-in. Even if it is not mandatory, having coverage is highly recommended. Without it, you may have to pay out-of-pocket if your belongings are stolen or damaged in a fire, flood, or other emergency. It also helps protect you if someone is injured in your apartment and files a claim.

Can I buy renters’ insurance without a Social Security Number?

Yes, you can. Some insurance companies allow international students to purchase policies using only a passport or other identification. While some providers may ask for a Social Security Number for identification or credit checks, it is not a legal requirement for coverage. You may need to contact providers directly or look for those who accept alternative forms of ID.

What does insurance cover?

Most renters’ insurance policies cover:

• Personal Property: This includes your electronics, clothes, furniture, and other personal items. If they are stolen or damaged, insurance can help pay to replace them.

• Liability Protection: If someone gets hurt in your apartment and holds you responsible, insurance can cover legal or medical costs.

• Loss of Use: If your apartment becomes unlivable due to a covered event, renters’ insurance may help pay for temporary housing.

International students should check policy details carefully. Coverage limits, deductibles, and exclusions vary by provider. Make sure the policy works with your visa status and lease requirements.

Getting international renters’ insurance gives you peace of mind and meets many housing expectations in the U.S. It is an affordable way to protect your new home and stay focused on your studies.

Deposits, Fees, and Monthly Costs

Understanding the financial side of renting in the U.S. is just as important as finding the right place. As an international student, you should be prepared for several upfront and ongoing expenses when moving into an apartment. This guide breaks down what to expect, so you can plan your budget with confidence.

What’s a security deposit?

A security deposit is money you pay before moving in. It acts as a safety net for the landlord in case of damage or unpaid rent. If you take care of the apartment and follow the lease rules, you should get this money back when you move out. The deposit is usually equal to one month’s rent, but it can be higher if you do not have a credit history or guarantor.

How much should I expect to pay upfront?

Your initial move-in costs typically include:

• First month’s rent

• Security deposit

• Application or administrative fees

• Sometimes, last month’s rent or a move-in fee

Together, these charges can add up to two to three times the monthly rent. If your monthly rent is $1,200, your total upfront cost may range from $2,400 to $3,600.

Are there hidden move-in fees?

Not always, but there can be extra costs you did not expect. These may include:

• Application fees: Charged when you apply for the unit

• Move-in fees: Sometimes charged in place of a deposit or in addition to it

• Utility setup fees: For services like electricity, internet, or water

• Furnishing or cleaning fees: In furnished or managed apartments

Before signing a lease, ask for a full breakdown of move-in costs and recurring monthly charges. Also, ask who is responsible for utilities and whether they are included in the rent.

Knowing the true cost of renting helps you avoid surprises and manage your finances as an international student in the U.S.

Move-In & Living Tips

Moving to the U.S. as an international student comes with many questions—especially about what to bring, how to get settled, and how to handle basic living needs. This guide gives you simple, helpful tips to make your move-in experience smoother and less stressful.

Should I bring furniture or buy it in the U.S.?

If you are flying to the U.S., it is best to travel light. Most students do not bring large items like furniture. Instead, plan to buy or rent what you need after arrival. Many stores offer affordable beds, desks, and kitchen supplies. You can also find furnished apartments or second-hand options near campus. A few basics—like bedding, towels, and chargers—can be packed, but larger items are easier to get locally.

How do I set up internet or electricity?

Once your lease starts, you are responsible for setting up utilities unless they are included in your rent. Common utilities include:

• Electricity and gas: Often required for lights, heating, and appliances.

• Internet and Wi-Fi: You will need this for schoolwork and daily life.

• Water and trash: Sometimes included in rent but not always.

Ask your landlord which providers service the building. You may need to show your lease and photo ID to open accounts. Try to set these up a few days before move-in to avoid delays.

What if I arrive after the lease starts?

It is common for international students to arrive a few days late. If this happens, contact your landlord or leasing office in advance. Some may allow you to send paperwork or payment online so you do not lose the apartment. Make sure to confirm key pickup details, move-in procedures, and whether someone else can collect keys on your behalf.

Being prepared with a clear move-in plan helps reduce stress and allows you to focus on settling into your new life.

Housing Options & Roommates

As an international student in the U.S., choosing where to live is a big decision. You will need to decide between on-campus housing, off-campus rentals, or alternative options, such as homestays. Each option comes with pros and cons, depending on your budget, preferences, and how independent you want to be.

Should I rent off-campus or live in student housing?

On-campus housing is often the simplest option for new students. It is usually close to classes, includes furniture, and has support services. However, spaces are limited, and the cost can be higher than renting off-campus.

Off-campus housing offers more freedom and flexibility. You can choose your location, style of housing, and possibly save money by sharing a place. But you will need to handle things like utility setup, lease agreements, and furnishing your space.

Can I live with roommates?

Yes, and many students do. Living with roommates is a popular way to reduce rent and utility costs. You may share a bedroom or have your own room in a larger apartment. Roommates can be other students, international or local, and living together can help you adjust faster and build a social network.

Before agreeing to share housing, be sure everyone understands the lease terms, how bills will be split, and what house rules to follow. It is a good idea to discuss schedules, cleanliness, and privacy ahead of time to avoid conflicts later.

Are there student-friendly rental platforms?

There are websites that focus on student rentals and shared housing, but you can also check bulletin boards at your school, talk to your international student office, or explore online forums for student housing tips. These platforms often list short-term and flexible lease options for international renters.

Exploring all your F1 housing options will help you find a living situation that fits your needs. Whether you choose student housing, homestays, or off-campus apartments, understanding your choices will lead to a better experience in the U.S.

After You Move Out (Deposits, Clean-Up, Lease End)

As your lease ends and your time in the U.S. wraps up, it is important to close out your housing properly. Whether you are graduating, transferring, or returning home, international students need to follow a few key steps to avoid losing money or facing unexpected problems.

How do I get my security deposit back?

To get your security deposit returned, you must leave the apartment in good condition. This usually means:

• Cleaning the space thoroughly

• Removing all your belongings and trash

• Repairing any minor damage like nail holes or marks

• Returning keys on time

Take photos before you leave to document the condition of the unit. Most landlords return the deposit within 21 to 30 days, depending on state laws. Make sure your landlord has your forwarding address or international bank details to send the deposit refund. If there are deductions, the landlord must provide a written explanation.

What happens if I leave the U.S. early?

If you plan to leave the U.S. before your lease ends, you must inform your landlord right away. Some leases have early termination clauses, which may involve paying a fee or continuing rent until a new tenant is found. You are still responsible for the lease unless you follow the agreed process for breaking it.

To avoid issues:

• Check your lease for early move-out rules

• Ask if subletting or lease transfers are allowed

• Give written notice well in advance

• Try to find a replacement tenant if needed

Planning ahead makes the process smoother and helps protect your rental history, even if you are moving out of the country.

International students should handle lease endings just as carefully as move-ins. Leaving on good terms helps ensure a clean record for future housing and makes it easier to reclaim your deposit.

Conclusion: Renting in the U.S. as an International Student

Renting as an international student in the U.S. may seem complex at first, but with the right information and preparation, it becomes much easier to navigate. From understanding basic rental terms and gathering the correct documents to securing renters’ insurance and choosing where to live, each step helps you build a stable and safe living situation. Knowing what to expect with deposits, utility setup, and move-in costs gives you better control over your budget. And when it is time to move out, closing your lease properly ensures you protect your finances and rental history.

Whether you are just starting your housing search or planning to leave your apartment, StudentRenters.com is here to guide you every step of the way. Explore our quizzes, checklists, and renters’ tools designed specifically for international students. With clear answers and easy-to-follow advice, you can rent with confidence, avoid costly mistakes, and focus on making the most of your experience in the U.S.