How Old Do You Have to Be to Rent an Apartment?

Finding your first place to live is exciting — a milestone of independence that often marks the transition into adulthood.

But before you start scrolling through listings and picturing how you’ll decorate your new space, there’s one practical question you need answered: how old do you have to be to rent an apartment?

The short answer is simple: in most places, you must be at least 18 years old to legally rent an apartment. That’s because a lease is a binding legal contract, and minors generally can’t enter such agreements on their own.

But the full story involves more than just age — things like income, credit history, and co-signers often play just as big a role.

Why Age Matters When Renting an Apartment

The age requirement to rent isn’t set by landlords — it’s based on contract law. In most countries, and across all U.S. states, 18 is the legal age of adulthood. That means you can sign contracts, make financial commitments, and be held legally responsible for the terms you agree to.

A lease is exactly that: a legal agreement between you (the tenant) and the property owner (the landlord). It spells out your rights and responsibilities, from how much rent you’ll pay and when, to how the property must be maintained.

Because minors typically can’t be held legally responsible for contracts they sign, landlords require tenants to be 18 or older.

What Happens If You’re Under 18?

If you’re younger than 18 and eager to move out — maybe for college, work, or personal reasons — don’t worry. Renting isn’t off the table entirely. You’ll just need someone legally able to sign the lease with you.

Here’s how that usually works:

• Guarantor or co-signer: A parent, guardian, or another trusted adult can sign the lease alongside you. They’ll be legally responsible for the rent and any damages if you fail to meet your obligations.
• Subletting: In some cases, you might be able to sublet a room from someone else who already has a lease. The original tenant remains legally responsible, but you still get a place to live.
• Student housing: Some universities and colleges offer on-campus or university-affiliated apartments where the lease requirements are more flexible for students under 18.

It’s important to know that without a co-signer or special arrangement, most landlords won’t rent to minors, even if you have a steady income.

Renting at 18: More Than Just Age

Reaching your 18th birthday means you’re legally allowed to sign a lease — but landlords look at more than just age before handing over the keys. They want to make sure you can reliably pay rent and take care of the property.

Here’s what most landlords will check:

1. Proof of Income

You’ll usually need to show you earn 2.5 to 3 times the monthly rent. Pay stubs, employment letters, or tax returns can serve as proof. If you’re a student, a co-signer’s income may be used instead.

2. Credit History

Landlords often run a credit check to see how you manage debt and payments. If you’re just starting out and don’t have much credit history, it’s not a dealbreaker — but a co-signer may still be required.

3. Rental or Personal References

References from previous landlords or employers help prove you’re responsible and reliable. If you’re renting for the first time, personal references (like a teacher or manager) can work too.

4. Security Deposit

Most landlords require a security deposit upfront, often equal to one month’s rent. Be prepared to pay this along with the first (and sometimes last) month’s rent before moving in.

Comparison: Renting Options by Age

Here’s a quick overview of how rental options and requirements typically change depending on your age:

This table shows that turning 18 opens the door to renting, but financial stability and credit history still influence the process, especially in your late teens and early twenties.

Tips for Renting Your First Apartment at 18

Renting at 18 is absolutely possible — and many people do it every year. But because you’re just starting out financially, preparation goes a long way. Here are some tips to boost your chances of approval:

1. Build Your Credit Early

Consider getting a secured credit card or being added as an authorized user on a parent’s account before you apply. Even a few months of positive credit history can make a difference.

2. Save for Upfront Costs

Besides the security deposit, you’ll likely need to pay the first month’s rent (and sometimes the last). Budget for moving costs, furniture, and utilities too.

3. Get a Co-Signer (If Needed)

If your income or credit isn’t strong enough on its own, a co-signer with good credit can help you get approved. Just remember, they’ll be legally responsible if you miss payments.

4. Be Honest and Organized

Landlords appreciate clear communication. Have your documents ready — ID, proof of income, references — and be upfront if you’re new to renting. Responsibility counts for a lot.

What to Watch Out for as a First-Time Renter

It’s easy to get swept up in the excitement of renting your first apartment, but don’t rush into signing anything without understanding what you’re agreeing to. A few key points to double-check:

• Lease terms: How long is the lease? What’s the notice period for moving out?
• Additional fees: Are there charges for parking, pets, or maintenance?
• Repairs and maintenance: Who is responsible for what?
• Subletting rules: Can you have a roommate or sublet the apartment later?

If anything seems unclear, ask questions before signing. Once the lease is signed, you’re legally bound by its terms.

Renting as a Student: Special Considerations

If you’re 18 and heading to college, you might face slightly different rental scenarios:

• Campus housing: Many schools offer dorms or on-campus apartments with more flexible eligibility rules.
• Student apartments: Private complexes near campuses often cater to students, sometimes skipping credit checks or offering co-signer-friendly policies.
• Roommates: Splitting rent with roommates can make renting more affordable and help you qualify if income requirements are high.

Student-focused housing often comes with perks like furnished units and shorter leases, but always read the fine print — the terms can vary widely.

FAQs About How Old You Have to Be to Rent an Apartment

1. Can you rent an apartment if you’re under 18?

Usually, no. Because minors can’t legally sign contracts, you’ll need a co-signer like a parent or guardian to rent before you turn 18. Alternatively, you might sublet a room or live in student housing with more flexible policies.

2. Do you need a co-signer at 18?

Not always, but many first-time renters do. If you don’t have a steady income, a strong credit history, or rental references, landlords may require a co-signer to reduce their risk.

3. Can a landlord refuse to rent to an 18-year-old?

A landlord can’t refuse you just because of your age if you’re legally an adult. However, they can deny your application for other reasons, such as insufficient income, poor credit, or lack of references.

4. How much money do I need to rent an apartment at 18?

It varies, but plan for at least three times the monthly rent in income and upfront costs like the security deposit, first month’s rent, and possibly the last month’s rent. Saving a few thousand dollars before applying is a smart move.

Stepping Into Independence: What to Expect

So, how old do you have to be to rent an apartment? In most places, the magic number is 18 — the age when you can legally sign a lease and take on the responsibilities of a tenant. But renting is about more than just age.

Landlords want to see that you’re financially stable, creditworthy, and ready to handle the obligations that come with your new home.

If you’re under 18, don’t lose hope — a co-signer or student housing can bridge the gap. And if you’re 18 and ready to rent, start preparing now: build your credit, save money, and gather your documents.

Renting your first apartment is a big step toward independence. With the right preparation, you can make that leap confidently — and enjoy the freedom that comes with having a place to call your own.