Everything You Need to Rent an Apartment in NYC (2025 Edition)

Renting in New York City is different from anywhere else, and being prepared can mean the difference between landing your dream apartment and missing out. As a rental agent who’s helped countless clients find homes throughout Manhattan and beyond, I know exactly what landlords look for, what documents you’ll need, and what to do if your situation isn’t “perfect on paper.”

Here’s a complete breakdown of what you need to rent in NYC in 2025, and how I can help make the process easier.

The Core Requirements Most Landlords Want to See

While every building and landlord is a little different, here’s what most NYC landlords require from renters:

✅ Income: 40x the Monthly Rent

Landlords typically expect your annual income to be at least 40 times the monthly rent. For example, if you’re applying for a $3,000/month apartment, they want to see $120,000/year in income. If you’re applying with a roommate, your combined income can count.

Some buildings, especially luxury rentals, may be even stricter. But others, particularly walkups or smaller landlords, may be more flexible if the rest of your application is strong.

✅ Good Credit (Usually 700+)

Most landlords want to see a score of 700 or higher. If your credit is lower, don’t panic. Some owners will accept guarantors or extra security deposits. Let me know your situation and I’ll point you to the right properties.

✅ ID and Paperwork

You’ll need:

• A government-issued photo ID

• Most recent pay stubs (2–3)

• Employment letter

• Bank statements

• Tax returns or W-2s

• Landlord reference letter (optional but helpful)

What If You Don’t Meet the Standard Requirements?

If your income or credit doesn’t check all the boxes, you still have options:

👤 Use a Guarantor

A guarantor agrees to cover the rent if you can’t. In NYC, guarantors are usually required to earn 80x the monthly rent and have strong credit. Some landlords only accept NY/NJ-based guarantors, but many now accept services like TheGuarantors or Insurent.

🧾 Offer a Larger Security Deposit or Prepay Rent

Offering extra money upfront can help strengthen your application. This is especially useful if you’re self-employed, new to the U.S., or don’t have established credit.

🌍 International Renters

Moving from abroad? You’ll need financial documentation, proof of funds, and sometimes more rent upfront. I’ve helped many international clients navigate this and can make it simple.

Bonus Tips to Boost Your Application

📁 Create a Renter Resume

Put together a single PDF with all your documents, a brief intro, and contact info. I can help you polish it so landlords get a great first impression.

🕒 Have Everything Ready Before Touring

Apartments can go fast. Having your documents ready allows you to apply the same day.

🧠 Know Your Non-Negotiables

Do you need an elevator, in-unit laundry, or pet-friendly space? I’ll help you filter listings so you don’t waste time.

Let’s Find Your Next NYC Apartment

Whether you’re starting fresh in the city or just ready for a change, I’m here to help you secure a place that fits your needs. Reach out today and let’s make your move a success.