First Apartment Essentials
bedroom
Bed frame and mattress
Bedding (sheets, comforter, pillows)
Dresser or storage
Lamp
Hangers
Alarm clock
bathroom
Shower curtain and rings
Bath mat
Towels (bath, hand, washcloth)
Toiletries
Toilet brush and plunger
Trash can
kitchen
Pots and pans (2-3 sizes)
Plates, bowls, cups
Silverware and cooking utensils
Cutting board and knives
Can opener
Dish soap and sponges
Trash can and bags
living
Couch or seating
Coffee table
TV stand or entertainment center
Lamps for lighting
Curtains or blinds
cleaning
Vacuum or broom
Mop and bucket
All-purpose cleaner
Paper towels
Trash bags
Laundry detergent
Budget Tip
Start with absolute essentials (bed, cookware, towels) and add items gradually. Shop Facebook Marketplace, thrift stores, and IKEA for budget-friendly furniture.
Setting Up Utilities
Electric & Gas
Call utility providers 1-2 weeks before move-in. Expect $50-$200 deposit for first-time customers. Average monthly cost: $100-$200.
Internet & Cable
Compare providers (Xfinity, AT&T, Spectrum). Internet-only plans cost $40-$80/month. Bundle TV for $100-$150/month. Self-install to avoid $100 technician fees.
Renters Insurance
Required by most landlords. Covers belongings in case of theft, fire, or water damage. Cost: $15-$30/month for $20,000-$50,000 coverage. Bundle with auto insurance for discounts.
Water, Trash, Sewer
Often included in rent or billed by landlord. If separate, expect $40-$80/month combined. No deposit usually required.
First Month Budget
| Item | Cost |
|---|---|
| First month rent | $1,500 |
| Security deposit | $1,500 |
| Moving costs | $500 |
| Furniture & essentials | $2,000 |
| Utility deposits | $200 |
| Renters insurance | $25 |
| Total | $5,725 |
First-Time Renter Tips
- • Document pre-existing damage with photos during move-in inspection
- • Read entire lease carefully before signing - ask questions
- • Get renters insurance before move-in (often required)
- • Set up auto-pay for rent to never miss a payment
- • Keep 3-6 months expenses in emergency fund
- • Introduce yourself to neighbors and building management
- • Save all receipts and correspondence with landlord