International Student Housing: How to Find Safe and Affordable Accommodation
One of the first challenges many international students face is finding a place to live. Whether you’re arriving on a U.S. student visa or studying in Canada, choosing safe and affordable housing can make a big difference in your overall student experience.
This guide covers the main types of housing available, what to look for in a rental and how to avoid common issues when signing a lease.
On-campus housing: Convenient and beginner-friendly
Many universities offer dormitories or residence halls for first-year international students. This can be a great option if you’re new to the country and want a structured living environment close to classes.
Pros of on-campus housing:
- Utilities and the internet are often included.
- You don’t need to furnish the space.
- You’re close to academic buildings and campus services.
- Some schools offer meal plans, laundry and 24-hour security.
Cons to consider:
- Space is limited and may be more expensive than off campus.
- You may need to move out during school breaks.
- Shared rooms and bathrooms may not offer much privacy.
If you’re interested in living on campus, apply early. Housing is usually assigned on a first-come, first-served basis.
Off-campus housing: More independence and flexibility
If you prefer more privacy or want to live with friends, off-campus housing may be a better fit. This includes:
- Private apartments
- Shared houses
- Studio units
- Sublets from other students
Look for rentals near public transportation or within walking distance of campus. Many universities also have off-campus housing offices that can help you find verified listings or connect with roommates.
Common platforms for finding rentals include:
- Facebook Marketplace or student groups
- Zillow, Trulia or Apartments.com
- School bulletin boards or online housing portals
- Local rental agencies
Always research the neighborhood and visit the place in person or via video tour before signing anything.
What to look for in a safe and reliable rental
Safety and comfort are important. When evaluating a place to live, consider:
- The condition of the locks, windows and doors
- The lighting around entrances and hallways
- Proximity to bus stops, grocery stores and campus
- Whether utilities like water, electricity and internet are included
- Lease length and whether it matches your academic calendar
- How responsive the landlord or property manager is
If something feels unclear or unsafe, keep looking. It’s worth taking extra time to find the right place.
Avoiding common housing problems
International students are sometimes targets for rental scams or poor-quality apartments. To protect yourself:
- Never send money before seeing the place or signing a lease.
- Avoid listings that pressure you to decide quickly.
- Read the lease carefully and ask about fees, deposits and early move-out policies.
- Ask for a printed receipt for any payments.
- Make sure your name is on the lease so you have legal rights as a tenant.
If you’re unsure about anything, ask your school’s housing office or international student services for help before committing. When getting a student loan, always consider potential housing costs.
Temporary housing while you search
If you are arriving before you’ve secured permanent housing, consider:
- University-sponsored temporary housing
- Hostels or student hotels
- Short-term rentals through trusted platforms
- Staying with friends or family, if possible
Give yourself at least a few days to visit rentals in person and settle into your new city
How MPOWER Financing can help support your housing plans
Finding the right place to live is easier when your finances are in order. MPOWER Financing helps international students cover tuition and living expenses with no cosigner, uncollateralized loans that don’t require a U.S. credit history.
You can use your MPOWER loan to:
- Pay a security deposit or first month’s rent
- Set up utilities
- Choose safer housing options that may require upfront costs
- Cover rent while focusing on your studies
By removing financial pressure, MPOWER gives you more control over where and how you live during your academic program.
A safe home supports student success
Where you live affects your focus, well-being and peace of mind. Take your time, ask questions and make sure your housing choice fits your budget and lifestyle. Whether you’re living on campus or renting nearby, feeling safe and settled will help you succeed in school and beyond.
