How to Rent an Apartment in Chicago Like a Pro in 2026

Welcome to the Windy City! Chicago, aka the "City of Big Shoulders." Chicago is not only known for its iconic skyline, deep-dish pizza, and lakefront views, but it’s also one of the most lively cities to live in, especially for students. With its mix of culture, sports, and endless things to do, it’s no wonder why so many people dream of calling this city home. But, let's be real—finding a housing apartment in Chicago can feel like a full-time job. The hunt for the perfect place can be as tricky as figuring out the L train routes! But don’t worry, we’ve got you covered on how to rent an apartment in Chicago. In this blog, we’ll take you through the essential steps and tips to help you rent a place in Chicago. Let’s dive in and explore how to find a student apartment Chicago without losing your mind!

How to Rent an Apartment in Chicago

Renting an apartment in Chicago can be an exciting yet overwhelming process. With so many options available, it's essential to understand what factors to consider when finding a place that fits your lifestyle. Whether you're a student looking to be close to the best universities in Chicago, or someone seeking safe areas to live in Chicago, knowing the right steps to how to find Chicago apartments is the key. 

10 Tips on How to Rent an Apartment in Chicago

Whether you're looking for monthly apartment rentals Chicago or a long-term lease, following a structured approach will make the process smooth and stress-free. Here’s your 10-step guide on how to rent an apartment in Chicago:

1. Choose the Right Neighborhood

When it comes to finding student accommodation, choosing the right neighborhood is crucial. Your choice will directly affect convenience, cost, and lifestyle, all of which play a significant role in your overall college experience. Your choice of neighborhood impacts convenience, cost, and lifestyle. Consider these factors when deciding where to rent a place in Chicago.

1. Proximity to Universities: Choosing a neighborhood close to campus ensures that you can get to class on time, attend more events, and still have time to relax without the burden of long daily commutes. If you’re attending The University of Chicago, DePaul University, or Northwestern University, living in nearby areas like Lincoln Park, Hyde Park, or Evanston can save time on commuting. Plus, you’ll save money on transportation costs, making it a win-win situation!
2. Access to Public Transport: Chicago Transit Authority (CTA) buses and trains make it easy to get around. Check if your apartment is near a Red, Blue, or Brown Line station for a hassle-free commute.
3. Nightlife & Entertainment: For students and young professionals, areas like Wicker Park, River North, and West Loop offer plenty of restaurants, music venues, and the best clubs in Chicago.
4. Safety & Walkability: Neighborhoods like Lincoln Park, Lakeview, and Gold Coast are known for being safer, well-lit, and pedestrian-friendly. Always check crime rates and read local reviews before renting.

Student Tip: If you want more space but are on a budget, check for month to month rentals in Chicago that allow flexible lease terms.

2. Start Your Apartment Search

When thinking about how to rent an apartment in Chicago, the main problem is where to start. So let’s start with: 

1. Prioritize listings based on location, budget, and amenities that matter most to you.
2. Now that you have decided which neighborhood is best for you, you can start looking for apartments by joining various Facebook groups, or by asking around in your network.
3. You can also visit nearby real estate shops and connect with authorized brokers so that you won’t be scammed.
4. Check for month to month rentals in Chicago if you need flexibility.
5. Visit properties in person or schedule virtual tours to avoid scams and misleading listings.

3. Amenities: What to Look For in an Apartment

Apartment amenities can make a huge difference in your comfort and convenience. When searching for how to rent an apartment in Chicago, look for:

1. Essentials: Laundry facilities, heating & cooling, high-speed internet, and parking.
2. Student-Friendly Perks: Study lounges, free Wi-Fi, community events, bike storage, and close proximity to coffee shops or libraries.
3. Fitness & Recreation: Many high-rise apartments offer gym access, rooftop lounges, and pools.
4. Security Features: Check for secure entry, 24/7 doorman services, and surveillance cameras, especially if you’re living alone.

 Student Tip: Some apartments offer free fitness memberships, bike rentals, or grocery delivery services as perks—keep an eye out for these!

4. Apartment Size & Layout: Picking the Right Space

1. Studios & Micro-Apartments: Ideal for budget-conscious renters, studios, and average one-bedroom rent in Chicago ranges from $1000 to $1,500/month in affordable areas.
2. One-Bedroom Apartments: Great for those needing privacy but expect higher rent ($1,500 - $2,500/month), depending on location.
3. Shared Housing & Co-Living: Popular for students, sharing a two or three-bedroom apartment can lower rent while still providing ample space.
4. Furnished vs. Unfurnished: If you’re in Chicago for a short-term stay, furnished apartments (with furniture, kitchenware, and utilities included) might be a better option.

Student Tip: If affordability is a priority while choosing the monthly rentals Chicago, explore cheaper neighborhoods like Pilsen, Albany Park, or Rogers Park, which still offer good connectivity and amenities.

5. File Your Application

Once you find out how to rent an apartment in Chicago that fits your needs, it’s time to file an application for the same.:

1. Fill out an application: Provide personal details, employment or school information, and references. Some landlords may require a guarantor if you’re a student or have limited income.
2. Pay an application fee: Fees typically range from $40 to $75 and are non-refundable.
3. Submit proof of income: Provide recent pay stubs, a bank statement, or an offer letter if you’re starting a new job. Students may need to show financial aid or parental support.
4. Pass a credit and background check: Most landlords check your credit score (typically 600+ is preferred) and review your rental history.

6. Sign a Lease

Before committing, carefully review your lease agreement:

1. Understand lease terms: Check policies on rent increases, lease renewals, and breaking a lease early.
2. Look for hidden fees: Some apartments charge move-in fees instead of a security deposit, so clarify upfront.
3. Ask about utilities: Confirm whether rent includes utilities or if they are separate.
4. Lease Duration: Most leases are 12 months, but some offer 6-month or month to month rentals in Chicago.
5. Subletting Rules: If you plan to study abroad or leave for the summer, check if subletting is allowed.
6. Pet Policies: Some apartments charge extra for pets or have breed restrictions.
7. Breaking a Lease: Early termination can result in heavy penalties, so clarify policies before committing.

7. Pay Your Move-In Costs

1. First month’s rent & security deposit: Most landlords require first and last month’s rent, plus a deposit (usually equal to one month’s rent).
2. Move-in fees: Some buildings charge a one-time non-refundable move-in fee instead of a security deposit.

8. Get Renter’s Insurance

Many landlords require renter’s insurance, which protects your belongings and covers liability. Policies typically cost $10 to $20 per month through companies like Lemonade, State Farm, or Geico.

9. Move In & Set Up Essentials

1. Schedule utility setup (electricity, gas, internet) before your move-in date. Popular providers in Chicago include ComEd (electricity) and Peoples Gas.
2. Get familiar with public transportation options if you rent a place in Chicago and need to commute.

By following these steps, you’ll be set up for a smooth move into your new Chicago apartment! Whether you need a monthly lease or a long-term lease, being prepared on how to rent an apartment in Chicago helps you secure the right place stress-free!

10. Essential Documents Required 

Before you rent a place in Chicago, you’ll need to gather the necessary documents to ensure a smooth rental process. Landlords and property managers require these documents to verify your eligibility and financial stability. Whether you’re looking for apartment rentals Chicago or monthly rentals, here’s what you’ll need:

1. Proof of Income

Most landlords require proof that you can afford the rent. Common documents include:

1. Recent pay stubs (typically the last two months).
2. Bank statements showing sufficient funds.
3. An offer letter if you’re starting a new job.
4. If you're a student, a guarantor's proof of income may be required.

2. Credit Report & Background Check

Landlords check your credit score to assess financial reliability. They usually run a credit and background check themselves, but some may ask you to provide:

1. Your credit report (usually a score of 650+ is preferred).
2. Rental history and past landlord references.
3. A co-signer or guarantor if you have no rental history or low credit.

3. Personal Identification- To confirm your identity, you’ll need:

1. A government-issued ID (passport, driver’s license, or state ID).
2. Social Security Number (for background checks).

4. Rental Application & References

Many landlords require a completed rental application along with:

1. Contact information for previous landlords (if applicable).
2. Employer references to verify job stability.
3. Personal references (some landlords may ask for character references).

Having these documents ready before you start your apartment search Chicago will speed up the process. Whether you’re looking for monthly rentals Chicago or a long-term lease, being prepared can help you secure the right place quickly!

Budgeting and cost of living in Chicago

When renting in Chicago, budgeting wisely is essential due to the city’s varied cost of living. On average, monthly rent for a one-bedroom apartment ranges from $1,200 to $2,000, depending on the neighborhood, with downtown and lakefront areas commanding higher prices. Utility bills typically add $100 to $150 per month, while a basic internet plan costs around $60. Public transportation is affordable, with CTA monthly passes priced at $75, making it a cost-effective choice for students and professionals alike. Groceries, dining out, and other daily expenses can vary, but students should budget at least $800 to $1,200 per month for living costs beyond rent. Choosing the right neighborhood—such as Rogers Park, Pilsen, or Edgewater—can help stretch your budget without compromising safety or convenience.

Best Off-campus Student Housing in Chicago

Renting an apartment in Chicago can be a challenge, especially for students. The city offers a wide variety of options, from budget-friendly apartments to luxury units, but getting an answer to how to rent an apartment in Chicago can sometimes feel more difficult than cracking an exam. Fortunately, finding student housing in Chicago has never been easier with amber!

Amber helps students like you find apartments in Chicago that match your needs, whether you're looking for luxury or cheap apartments for rent Chicago. Here are a few great options for student housing in Chicago:

1. Pilsen Coliving, Chicago – A modern and affordable option in the lively Pilsen- one of the best neighborhoods in Chicago. It is perfect for students looking for a shared living space.
2. The Letterman, Chicago – A luxurious apartment complex offering spacious rooms and top-notch amenities, ideal for students who want a little extra comfort.
3. Prairie Shores, Chicago – A beautiful, affordable housing option with easy access to the downtown area and local universities, making it a great spot for students.
4. Tailor Lofts, Chicago – Perfect for students who want to combine comfort and style, Tailor Lofts provides spacious units with easy access to Chicago’s bustling streets.
5. Lake Meadows, Chicago – Offering a peaceful retreat near the South Loop, Lake Meadows is a great option for students who prefer a quieter neighborhood while staying connected to the heart of the city.

Apartment hunting in Chicago can feel like finding a needle in a haystack, but with the right tools and tips, you’ll be signing that lease in no time! But you know what? Knowing how to rent an apartment in Chicago doesn't have to be overwhelming, especially with resources like amber that make the search easier. Whether you're after a budget-friendly spot or a luxury pad, Chicago has a place for every student—just don’t forget to pack your patience (and your moving boxes)! Hope this answers all your questions on how to rent an apartment in Chicago! Happy apartment hunting!

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