How to get your first apartment: Everything you need to know from search to set-up

Getting your first apartment is exciting — and overwhelming. No matter if you’re moving out of a dorm, leaving a shared space, or finally taking the leap to live on your own, there’s a lot to figure out. From knowing what you can afford to actually getting your stuff through the door, this guide covers everything you need to know.

Finding your first apartment

Step 1: Know your budget

Before you fall in love with an exposed brick one-bedroom with vaulted ceilings, take a minute to run your numbers.

A general rule of thumb is to spend no more than 30% of your monthly income on rent. Some landlords may also require proof that you make 3–4 times the rent, depending on the location and type of rental property.

But rent is just the beginning. Be sure to factor in:

• Utilities (if not included in rent)
• Internet
• Renter’s insurance
• Move-in fees or deposits
• Parking, pet fees, and other hidden costs

Not sure where to start? You can usually get quotes from service providers or look up average costs in your area for a rough estimate.

And if the math isn’t mathing, consider splitting expenses with a roommate or applying with a cosigner to meet income requirements.

Step 2: Figure out what you want (and what you can live without)

Once you’ve set your budget, start narrowing down what you're actually looking for. Some features might be non-negotiable — others, nice-to-have if the price is right. Ask yourself:

• Do I need in-unit laundry or parking?
• What amenities do I want (AC, dishwasher, pet-friendly policies)?
• How long of a commute am I willing to deal with?
• Would I prefer an apartment complex or a house?

And don’t forget to think about location:

• Are there grocery stores, coffee shops, or fun things to do nearby?
• Do I feel safe in the area?
• Can I walk, bike, or take transit — or will I be driving everywhere?
  • You can use sites like Walk Score to get a sense of how walkable a neighborhood is before you visit.

Remember: where you live matters just as much as what you live in. Understanding what matters most will help narrow your search fast.

Step 3: Start the search

Check out trusted sites like Zillow, Apartments.com, or local Facebook housing groups when searching for an apartment.

If it’s all a bit too overwhelming, you might want to try apartment locator services—they can help you find listings that fit what you're looking for. The best part? In many states, these services are free to you, since they get paid by the apartment communities when they connect them with tenants.

Pro tip: If it seems too good to be true, it probably is. Always be cautious of rental scams — never send money before seeing a place in person.

Step 4: Tour before you commit

We know it’s tempting to sign sight unseen, but whenever possible, go see the unit.

• Pay attention to natural light, noise, location, and how well the property is maintained.
• Ask about what’s included in rent (utilities, parking, Wi-Fi?)
• Check for signs of water damage, pests, or mold — they’re red flags for bigger issues.

Step 5: Read your lease closely

Read the entire lease. Yes, even the fine print. Your lease is a legal contract. Make sure you understand:

• When rent is due
• What’s required to break or renew the lease
• Maintenance and repair responsibilities
• Other rules and amendments that are in place 

If something seems unclear, ask. It’s better to get answers now than to be surprised later.

Moving & settling in

Step 6: Planning your move

If you’re moving out of a dorm or shared space, start packing early. Donate or sell what you don’t need. Peak moving season is May through August, so it’s best to book help early.

Of course, if you need to move last minute, Lugg can help. We offer on-demand moving and delivery, so you don’t need to stress about renting a truck or recruiting friends who may flake at the last minute.

Step 7: Movers vs. DIY

It’s tempting to handle everything yourself, especially if you're trying to save money. But most first-timers underestimate how long moving actually takes.

DIY:

It might seem cheaper upfront, but moving by yourself comes with hidden costs:

• You'll spend hours (or days) lifting, driving back and forth, and figuring out logistics.
• You may need to take time off work or rearrange your schedule.
• If you don’t finish by your lease deadline, you could face late move-out fees.
• Renting a truck, buying packing supplies, and making multiple trips can add up fast.
• Purchasing tools or supplies you'll only use once can lead to unnecessary expenses and clutter.

Hiring movers:

It’s faster, easier, and way less stressful. Professional movers can finish in a few hours what might take you days to do alone, and you won’t be sore for a week afterward.

(Pssst…need help on short notice? Lugg lets you book same-day help for everything from studio moves to single-item pickups.) If you’re curious what it might cost, we made a quick walkthrough video showing how to get a free estimate in less than 5 minutes.

Moving for the first time is a lot, but you’re not in it alone. Real Lugg customers have been right where you are. Check out reviews from other first-time movers.

Step 8: First apartment essentials (that everyone forgets)

Your first grocery trip isn’t just for snacks — it’s for survival. Add these to your must-haves list:

• Shower curtain + rings
• Trash can + bags
• Plunger (trust us)
• Power strips
• Basic cookware
• Cleaning supplies
• Toilet paper + paper towels

Remember to start with a function. You’ll decorate later.

Step 9: Furnishing on a budget

Furniture adds up fast, especially when you’ve just moved and are starting from scratch. But that doesn’t mean you have to go weeks or even months without a bed or a couch. Here are some great ways to furnish your first apartment without blowing your budget:

Browse Facebook Marketplace, OfferUp, or local thrift stores — you can find quality pieces for way less.

• Ask friends or family if they have extras they’re ready to part with.
• Look into estate sales in your area — they’re often overlooked but can be goldmines.
• Visit furniture outlets or clearance sections — you’d be surprised how many big brands have discounted inventory.

And if you find the perfect piece but can’t get it home? Book a Lugg to pick it up and deliver it the same day. No need to rent a truck or call in favors.

Final thoughts

You don’t need to have everything figured out to move out on your own. You just need a game plan, a little flexibility, and the right help when you need it. Whether you’re apartment hunting or deep in mid-move panic, we’ve got you.