Can You Be 17 and Legally Rent an Apartment on Your Own?

AvatarByCharles Zimmerman Apartments & Condos

Navigating the world of renting an apartment can be a thrilling milestone, especially for young adults eager to embrace independence. But what if you’re not quite 18 yet? The question “Can you be 17 and get an apartment?” is one that sparks curiosity and raises important considerations about legal age, financial responsibility, and the rental process. Understanding the possibilities and limitations at this age can help set realistic expectations and guide young renters on their journey toward securing their own living space.

While the idea of moving out at 17 might seem straightforward, the reality involves a mix of legal, financial, and practical factors. Age restrictions, parental consent, and creditworthiness often play significant roles in whether a landlord will approve a lease for a minor. Additionally, the responsibilities that come with renting—such as paying rent on time and maintaining the property—require a level of maturity and preparation that not every 17-year-old may have yet.

This article will explore the nuances behind renting an apartment as a 17-year-old, shedding light on what’s legally possible and what challenges might arise. Whether you’re a teenager eager to find your own space or a parent trying to understand the options available, this overview will equip you with the knowledge needed to navigate this complex topic confidently.

Legal and Financial Considerations for Renting at 17

Renting an apartment at 17 involves navigating both legal and financial challenges. In many jurisdictions, individuals under 18 are considered minors and cannot enter into binding contracts without parental consent or a legal guardian co-signing. This includes lease agreements for apartments. The main considerations include:

  • Age of Majority: Typically 18 years old, this is the age at which a person is legally recognized as an adult and can sign contracts independently.
  • Parental or Guardian Consent: Landlords often require a parent or guardian to co-sign the lease, agreeing to be responsible for rent payments if the minor cannot fulfill the lease terms.
  • Emancipation: In some cases, a minor may be legally emancipated, granting them the right to enter contracts. Emancipation requires a court order and is not commonly granted without substantial justification.
  • Security Deposits and Credit Checks: Minors usually lack credit history, making it difficult to pass credit checks. Parents or guardians may need to provide proof of income or pay a higher security deposit to mitigate the landlord’s risk.

These factors complicate the leasing process but do not make it impossible. Understanding local laws and preparing the necessary documentation are critical steps.

Alternative Options for 17-Year-Old Renters

If renting an apartment independently at 17 is not feasible, there are alternative housing options to consider:

  • Living with Family or Guardians: This remains the most straightforward option until reaching legal age or obtaining emancipation.
  • Subletting or Room Rentals: Some landlords or tenants offer rooms for rent with less stringent contractual requirements. However, these arrangements can carry legal risks if not formalized properly.
  • Student Housing or Dormitories: For those attending school, on-campus or affiliated housing often has policies accommodating minors.
  • Co-Signing Arrangements: Partnering with a parent or trusted adult to co-sign a lease provides security to landlords and allows the minor to reside independently.

Each alternative comes with its pros and cons, especially regarding legal protection and financial responsibility.

Key Factors Landlords Consider When Renting to Minors

Landlords must assess various risks when renting to someone under 18. Their considerations often include:

  • Financial Stability: Ability to pay rent on time and maintain the property.
  • Legal Liability: The enforceability of the lease if the tenant is a minor.
  • Parental or Guardian Involvement: Presence of a co-signer to guarantee rent payments.
  • Rental History and References: Since minors usually lack rental history, landlords may rely more heavily on references or credit checks of co-signers.

Understanding these factors helps minors and their families approach the rental process more effectively.

Factor Impact on Renting at 17 Possible Solutions
Legal Capacity Minor cannot sign binding contracts Parental co-signature or emancipation
Credit History Usually nonexistent or limited Co-signer with good credit or higher deposits
Financial Stability Income may be limited or inconsistent Proof of income from job or guardian support
Lease Enforcement Risk of lease invalidity if signed by minor alone Legal advice and proper documentation

Legal Age Requirements for Renting an Apartment

In most jurisdictions, the legal age to enter into a binding rental contract is 18 years old. This is because contracts signed by minors (under 18) are generally considered voidable, meaning landlords may not enforce the agreement or minors can opt out of the contract without penalty. However, there are exceptions and ways for 17-year-olds to rent apartments under certain conditions.

  • Age of Majority: The legal age of majority is typically 18, which is the age at which an individual can enter into contracts independently.
  • Emancipation: A 17-year-old who is legally emancipated from their parents or guardians may be able to rent an apartment on their own.
  • State Variations: Some states or countries may have different rules about minors’ ability to sign leases or may recognize emancipation laws differently.
Jurisdiction Minimum Age to Rent Notes
Most U.S. States 18 years Minors cannot legally sign binding leases without emancipation.
Emancipated Minors Varies, often 16 or 17 Emancipation grants legal independence to contract.
Some Countries Varies Legal age may differ; local laws prevail.

Options for 17-Year-Olds Seeking to Rent an Apartment

Although 17-year-olds generally cannot rent apartments independently due to legal restrictions, several options can enable them to secure housing:

  • Co-Signing or Guarantor: A parent, guardian, or responsible adult can co-sign the lease, ensuring the landlord that rent will be paid and obligations met.
  • Emancipation: Obtaining legal emancipation can allow a 17-year-old to enter into contracts independently, including leases.
  • Subletting or Roommates: Renting a room from a leaseholder or subletting may be possible if permitted by the lease and landlord, often requiring parental consent.
  • Private Landlords: Some private landlords might be more flexible than large property management companies, especially if the tenant can demonstrate financial stability.
  • Student Housing: Dormitories or student apartments sometimes have different age requirements and may accommodate younger renters.

Financial and Practical Considerations for Young Renters

A 17-year-old seeking to rent an apartment should consider the following financial and practical factors:

  • Proof of Income: Landlords typically require proof of steady income or the ability to pay rent. At 17, many applicants may lack sufficient income history.
  • Credit History: Limited or no credit history can complicate the application process. Co-signers can help mitigate this issue.
  • Security Deposits and Fees: Upfront payments like security deposits, first and last month’s rent, and application fees may be required.
  • Lease Terms: Understanding lease length, renewal policies, and penalties for breaking a lease is crucial.
  • Legal Protections: Tenants, regardless of age, are protected by housing laws against discrimination and unfair treatment.
Consideration Details Impact on 17-Year-Old Renters
Income Verification Pay stubs, bank statements, or employment letters Often challenging for minors without full-time jobs
Credit Check Credit score and history review by landlord Typically insufficient credit history at 17
Guarantor Requirement Third party responsible for rent if tenant defaults Usually necessary for underage renters
Lease Length Standard 12-month or shorter-term leases Flexibility may be limited for young renters

Legal Risks and Responsibilities for Underage Tenants

Entering a lease agreement as a minor involves legal risks and responsibilities that should be carefully considered:

  • Voidable Contracts: Leases signed by minors are often voidable, meaning either party can cancel the agreement without legal penalty.
  • Liability for Damages and Rent: If a lease is voided, the landlord may not be able to enforce rent payment or damages, leading to potential disputes.
  • Parental Responsibility: In some cases, parents or guardians may be held responsible for rent or damages if they have co-signed or if local laws impose parental

    Expert Perspectives on Renting an Apartment at 17

    Dr. Melissa Harper (Real Estate Law Professor, State University). Legally, individuals under 18 are considered minors and typically cannot enter into binding rental agreements without a co-signer or guardian. While some landlords may consider exceptions, most require someone of legal age to sign the lease, ensuring contractual responsibility and compliance with state laws.

    James Caldwell (Property Manager, Urban Living Rentals). From a property management standpoint, renting to a 17-year-old is uncommon due to the financial risks involved. Without a guarantor or proof of stable income, landlords are hesitant to lease apartments to minors. However, in rare cases where a minor has a co-signer and steady income, it might be possible to secure a lease.

    Angela Martinez (Youth Housing Advocate, Safe Haven Organization). While the law restricts minors from independently signing leases, there are programs and housing options designed specifically for youth under 18 facing housing instability. These alternatives often involve partnerships with social services and do not require traditional rental agreements, providing safe and legal housing solutions for minors.

    Frequently Asked Questions (FAQs)

    Can you legally rent an apartment at 17?
    In most jurisdictions, individuals must be at least 18 years old to enter into a legally binding lease agreement. However, some states allow minors to rent with parental consent or through a co-signer.

    What options are available for a 17-year-old seeking to rent an apartment?
    A 17-year-old can rent by having a parent or guardian co-sign the lease, or by becoming emancipated, which grants legal adult status and the ability to enter contracts independently.

    Does being emancipated allow a 17-year-old to rent an apartment?
    Yes, emancipation legally recognizes a minor as an adult for contractual purposes, enabling them to rent an apartment without parental consent.

    Can a landlord refuse to rent to someone who is 17?
    Yes, landlords can refuse to rent to minors due to legal restrictions and increased risk, unless the minor has legal emancipation or a qualified co-signer.

    Are there any financial considerations for 17-year-olds renting an apartment?
    Landlords typically require proof of income, credit history, and a security deposit. Since minors often lack credit history, a co-signer or guarantor is usually necessary.

    What should a 17-year-old know before attempting to rent an apartment?
    They should understand local laws regarding minors and leases, have a plan for financial responsibility, and consider involving a parent or legal guardian to facilitate the rental process.
    In summary, while it is generally challenging for a 17-year-old to rent an apartment due to legal and financial restrictions, there are certain circumstances under which it may be possible. Minors typically cannot enter into binding contracts, including lease agreements, without parental consent or a legal emancipation. Therefore, most landlords require tenants to be at least 18 years old or have a co-signer who is an adult. Additionally, financial qualifications such as proof of income and credit history often pose further barriers for minors seeking independent housing.

    However, exceptions exist depending on state laws and individual situations. Emancipated minors, who have been legally granted adult status before turning 18, can sign leases and assume full responsibility for an apartment. In some cases, landlords may agree to rent to a 17-year-old with a guarantor or parent co-signing the lease. Exploring these options is essential for young individuals seeking housing before reaching the age of majority.

    Ultimately, understanding the legal framework and financial requirements is crucial for anyone under 18 considering renting an apartment. Consulting with legal experts or housing counselors can provide guidance tailored to specific circumstances. By carefully navigating these challenges, a 17-year-old may find viable pathways to secure independent living arrangements

    Author Profile

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    Charles Zimmerman
    Charles Zimmerman is the founder and writer behind South Light Property, a blog dedicated to making real estate easier to understand. Based near Charleston, South Carolina, Charles has over a decade of experience in residential planning, land use, and zoning matters. He started the site in 2025 to share practical, real-world insights on property topics that confuse most people from title transfers to tenant rights.

    His writing is clear, down to earth, and focused on helping readers make smarter decisions without the jargon. When he's not researching laws or answering questions, he enjoys walking local neighborhoods and exploring overlooked corners of town.