How Old Do You Have To Be to Rent an Apartment? Insider Tips for NYC

If you’re planning your move to New York City, one of the first questions you may ask is: How old do you have to be to rent an apartment? Whether you're relocating for school, work, or simply for a fresh start, understanding renting requirements, especially age-related ones, can help you avoid roadblocks and make smoother housing decisions.

In NYC, where the rental market can feel overwhelming even for experienced renters, having the right information is essential. This guide breaks down what age you can get an apartment, what additional steps younger renters might need to take, and how flexible options like coliving can simplify the process.

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

In the United States, including New York, you generally need to be 18 years old to legally sign a binding lease. That’s because a lease is a contract, and minors cannot enter into legally enforceable contracts on their own.

So the short answer is, you must be at least 18 years old to rent an apartment in NYC.

But while turning 18 is the legal threshold, securing a rental at that age isn’t always simple. NYC landlords often have additional requirements related to income, credit, rental history, or guarantors—things younger renters may not yet have. This is where alternative housing models, like coliving communities and furnished rooms, can make the process much easier.

What Age Can You Get an Apartment If You’re Under 18?

Even though 18 is the legal standard, some exceptions exist, but they’re rare and typically complex. Here are a few scenarios where minors may be able to rent:

Emancipated Minors

If a minor is legally emancipated, usually via court order, they may be allowed to sign contracts, including leases. This is uncommon and usually applies to unique family or financial situations.

Co-signer or Guardian Signature

Some landlords may allow a minor to live in an apartment if a parent or guardian signs the lease and assumes all legal responsibility. In this scenario, the adult, not the minor, is the official tenant.

Student Housing Partnerships

Certain university-affiliated residences can house students under 18, but this doesn’t apply to traditional private-market rentals.

If you're planning to move to NYC before turning 18, it’s important to know that most landlords will require a parent or guardian to co-sign, and many buildings simply won’t allow minors as tenants at all.

Challenges Young Renters Face

Even once you’ve reached the legal renting age, new renters often face additional hurdles—especially in NYC’s competitive market. Here’s what to expect and actionable tips to help.

Limited Credit History

Most landlords check credit as part of the application process. If you’re 18, you may not have credit yet. If you don’t have a credit history yet, you may apply for an apartment with a guarantor. You can also begin building credit using a secured card or authorized user status. Or, choose a coliving space that doesn’t require a deep credit history.

Insufficient Income

NYC landlords often expect tenants to earn double or triple the monthly rent, which can be unrealistic for younger renters. If you think you may not make enough to be considered, try applying with a guarantor that earns double or triple the rent amount. Or, consider roommates or explore flexible, all-inclusive coliving communities designed for early-career renters.

Limited or No Rental History

Landlords may prefer renters with references and past lease experience. If you don’t have a rental history, consider providing professional references instead of landlord references. Or, offer to pay a larger security deposit if legally allowed. 

High Move-In Costs

Deposits, first month’s rent, and application fees add up quickly. To help combat these high costs, look for rentals with low fees or concessions, consider spaces where utilities and furniture are included, and choose a provider with flexible deposits or membership models.

Why Coliving Is a Game-Changer for Younger Renters

If you’re wondering what age you can get an apartment easily in NYC, the honest answer is that renting becomes a lot simpler once you’re 18 and have the financial qualifications landlords expect.

But coliving communities bridge the gap for younger renters by offering:

• Lower upfront costs: Furniture, utilities, Wi-Fi, and essentials are included—no need for large, upfront purchases.
• Flexible lease terms: Month-to-month or short-term options make it easier for students, interns, and new city transplants.
• Simplified requirements: Coliving providers often have more flexible credit or income requirements than traditional landlords.
• Built-in community: Moving to NYC for the first time can feel intimidating. Community events, shared spaces, and like-minded roommates make the transition smoother.
• Safe, managed environments: With maintenance and management handled for you, younger renters can feel secure and supported.

Roomrs, for example, is designed specifically for renters seeking affordability, convenience, and community-driven living—all major advantages for anyone starting out in NYC.

Insider Tips for Renting an Apartment for Young Renters 

Whether you’re moving to NYC right at 18 or shortly after, these tips will help you navigate your search like a pro.

Know Your Legal Rights — You’re legally allowed to sign a lease at 18, but landlords can still deny applicants who don’t meet financial requirements.

Have Documents Ready — Prepare your photo ID, proof of income (even part-time income helps), bank statements, and references. 

Find a Reliable Guarantor — Many NYC renters, young and older, use guarantors. It’s extremely common and nothing to feel awkward about.

Explore Shared and Coliving Apartments — These options are ideal for minimizing costs and maximizing flexibility.

Tour Before You Sign — If you can’t tour in person, request virtual tours, photos, room measurements, and building policies. 

Budget Beyond Rent — Include transit, food, entertainment, and unexpected expenses.

Start Your Search Early — NYC moves fast, but good deals come to those who plan ahead.
 

Overall, you must be 18 years old to legally sign a lease. If you’re under 18, you’ll need a guardian or proof of a special circumstance. Coliving and flexible housing options offer an easier, more affordable path for first-time NYC renters.

Finding your first apartment in NYC doesn’t have to be overwhelming. Whether you're just turning 18 or navigating the rental market for the first time, Roomrs offers flexible, fully-furnished, and community-driven spaces designed to make your transition into the city as seamless as possible. Explore our other guides and see how Roomrs can help you start your NYC journey with confidence.