Expats moving to the US will find a range of high-quality accommodation options available to them. While housing is expensive in the larger cities, expats on a budget can mitigate this effect by living on the outskirts rather than in the city centre.

Ultimately, the choices are endless, and whether new arrivals are looking to rent an apartment or are eager to purchase a piece of prime real estate, they're likely to find a home well suited to their individual needs and budget. 


Types of accommodation in the USA

Accommodation in the US is usually divided into the following classifications:

  • Apartments (self-contained units in larger buildings; referred to as 'flats' in some parts of the world such as the UK)

  • Single-family homes (standalone houses, usually on a small plot of land)

  • Duplexes (two or more living quarters housed in the same building)

  • Condominiums (a community of similar-styled homes with shared amenities)

  • Mansions (large, extravagant, expensive houses)

All these forms of housing are widespread throughout the US, with apartments being the most popular to rent for expats, and single-family homes being the most commonly purchased.

Another option is house-sharing – renting an individual room in a larger house shared with others. This is a good option for single expats to consider, as it's budget friendly and a great way to make new friends.


Finding accommodation in the USA

Finding a place to rent in the US is a relatively straightforward process. Expats should begin by doing some research of the city that they are relocating to in order to get some perspectives on neighbourhoods that best align with their priorities.

There are a plethora of internet sites that carry both short- and long-term rental listings. It's free to browse these sites. There is also no need to register or share personal information. Any web portals that demand information or payment in order to search listings should be approached with caution or avoided entirely.

Another source is local newspapers and magazines, known as 'home finders'. These are widely distributed in most American cities. These often specialise in providing rental listings. In addition, many people find it useful to drive around neighbourhoods they like in search of 'for rent' signs.

Real-estate agents can also assist new arrivals in finding a rental property. However, in the US, realtors typically specialise in helping people buy homes rather than rent them. 


Renting accommodation in the USA

Making an application

Once expats have found a property to their liking, they will have to tender a lease application. It's important to note that, in most cases, potential tenants will need to prove that they are serious candidates for renting the property.

As foreigners, expats will need to demonstrate that they can afford the cost of rent. Credit and background checks are also commonly carried out. Those with references from previous landlords should be sure to include them with their application as well.

Deposits

When signing a lease, expats will be expected to pay first month's rent upfront and the equivalent of at least another month's rent to cover a security deposit. The deposit will be returned at the end of the tenancy once the home has been inspected and any damages have been covered.

Leases

Lease agreements in the US are generally signed on a six-month or one-year basis. Before signing, expats should ensure that they've read the contract thoroughly and have a good understanding of their rights and obligations.

Utilities

Sometimes utilities are included in the cost of rent. However, they're usually an extra expense for the tenant. Costs to consider include billing for gas, electricity, water, refuse, phone and internet. The lease agreement should specify who is responsible for which utility expenses.

Expat Health Insurance

Cigna Health Insurance

Cigna Global

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William Russell Health Insurance

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William Russell is a boutique insurance company, that values itself on its great customer service and is underwritten by Allianz. They provide health, life, and income protection insurance for expats around the world. With a global network of 40,000 hospitals and doctors, their health insurance plans are designed so that they follow you to whatever country you move to next.

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Moving Companies

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