Moving out is a major milestone—but for young adults today, it can also feel like an impossible dream. Between rising rents, low starting wages, and inflation, affording your own place might seem out of reach. But don’t stress—you can move out without going broke. It just takes some planning, creativity, and a few smart money moves.

Whether you’re itching for independence or need to relocate for work or school, this guide will help you navigate housing like a pro—with budgeting tips, rent hacks, and co-living strategies that actually work.

Step 1: Know What You Can Actually Afford

Before you sign a lease or start packing boxes, you need a realistic budget.

🧮 Use the 30% Rule (as a guide)

The general rule of thumb is to spend no more than 30% of your monthly income on rent. So if you make $2,000/month, your rent should be around $600 max. That’s tough in many cities—but we’ll show you ways to make it work.

📋 Budget Breakdown: What to Include

Housing costs aren’t just rent. Make sure to factor in:

• Security deposit + first/last month’s rent
• Utilities (electric, water, gas, trash)
• Internet + streaming
• Renters insurance (usually $10–$20/month)
• Groceries + transportation

---

Step 2: Find Affordable Places to Live

The key to moving out on a budget is being flexible—with location, roommates, and expectations.

🧠 Smart Rent Hacks

• Live just outside city limits: You’ll save hundreds without sacrificing access.
• Look for basement or garage units: Often cheaper and privately rented.
• Consider older buildings: New apartments = high rents and hidden fees.
• Offer to prepay or sign a longer lease: Some landlords will reduce rent for stability.
• Avoid furnished units if you can bring or thrift your own furniture.

🔎 Where to Search

• Facebook Marketplace & housing groups
• Craigslist (be cautious—avoid scams)
• Roommates.com or Roomster
• Local college bulletin boards (even if you’re not a student)

---

Step 3: Get Creative with Living Arrangements

If solo living is out of budget, get creative. Living with others doesn’t have to mean giving up your independence.

👯‍♀️ Co-Living Ideas That Save Money

• Split a house with 3–4 roommates: Group renting = lower cost per person.
• Live with family (for a bit longer): Use the time to save up and prepare.
• Try “rent for chores” exchanges: Some landlords or homeowners offer free/discounted rent in exchange for help with housework, pet sitting, or yard care.
• Sublet a room: Subleases can be short-term and cheaper.

💡 Pro tip: Draft a roommate agreement upfront to avoid awkward money convos later.

---

Step 4: Save Money on Move-In Costs

The initial cost of moving out can be a killer—security deposits, application fees, furniture, etc. But you don’t have to drain your savings.

🪑 Furniture & Household Item Hacks

• Facebook Marketplace and Buy Nothing groups = free finds!
• Thrift stores or estate sales for essentials like dressers, pots/pans, lamps
• Prioritize must-haves first (bed, cooking gear, shower curtain), then slowly add decor

📦 Cheap Move-In Tips

• Move mid-month or off-season (fall/winter) for better deals
• Borrow a friend’s truck or rent a U-Haul with roommates to split costs
• Skip professional movers—DIY or ask friends for help (pizza payment works!)

---

Step 5: Build a Rent-Ready Budget

Once you’ve moved in, keep your money in check by setting up a sustainable monthly budget.

✅ Budget Tips for Renters

• Use an app like YNAB, Mint, or Goodbudget to track expenses
• Set up automatic transfers for rent + bills to avoid late fees
• Start an emergency fund—even $25/month helps!
• Meal prep to cut down on eating out
• Take advantage of rent referral bonuses or utility rebates

---

🧠 Bonus: Know Your Tenant Rights

You don’t need to be a law expert, but knowing your rights protects your money and peace of mind.

• Check if your state has rent control or tenant protection laws
• Read your lease carefully (especially pet policies and maintenance terms)
• Document your apartment condition at move-in with photos/videos

---

Sage Summary

You don’t need a six-figure salary to move out—you just need a game plan. From budgeting smarter to sharing space with others, there are real ways Gen Z can achieve independence without going broke.

Take your time, do the math, and don’t be afraid to get creative. Moving out is a big step—but it’s one you can absolutely take.