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Requirements to rent a house or apartment in the USA

Renting in the USA goes faster when you know in advance what a landlord or property manager will ask for. This guide is informational; requirements vary by state, city and landlord, so always confirm the specifics and, if in doubt, check with a professional.

The rental application

Most landlords start with a rental application and an application fee. It typically authorizes a credit check and a background check (rental and, where allowed, eviction and criminal history).

What they usually ask for

  • Identification: a government-issued ID (and often a Social Security number or ITIN for the check).
  • Proof of income: pay stubs, an offer letter, bank statements or tax returns. It is common to require income around three times the monthly rent.
  • Rental history and references: previous landlords or an employer.
  • Credit score: many landlords look for a minimum; a lower score may mean a larger deposit or a co-signer.

Deposit, co-signer and fees

  • Security deposit: often one to two months of rent. Several states cap the amount and set deadlines and rules to return it, so check your state law.
  • First and last month: some landlords ask for the first month plus a deposit, and sometimes last month too.
  • Co-signer or guarantor: a person who takes responsibility if you do not pay, common for students or thin credit files.

The lease and your rights

  • Read the lease in full: term, rent, late fees, who pays utilities, pet policy and renewal.
  • Do a move-in inspection: document the condition in writing and with photos to avoid unfair charges at move-out.
  • Fair Housing: federal law prohibits discrimination based on race, color, national origin, religion, sex, familial status or disability. You cannot be denied for those reasons.

If you are the landlord, defining your requirements and stating them in the listing saves everyone time. List your rental here and see the guide to avoid scams.

Informational content, not legal advice. Rules on deposits, screening and tenant rights vary by state and city: confirm with official sources or a professional.