First Apartment Tips: 5 Must-Know Things Before You Move

1. Know What You Can Afford

This is the most important step. Many apartments require you to make at least three times the rent each month.

For example, if rent is $1,000 per month, your income should be at least $3,000 per month.

But rent is only part of what you’ll pay. Other monthly costs include:

• Utilities like gas, water, and electric
• Internet and cable
• Parking (if it’s not included)
• Pet fees, if you have a dog or cat
• Renters insurance

There are also move-in costs. Most places ask for a security deposit, plus first and sometimes last month’s rent upfront.

If you’re on a tight budget, look for apartments with utilities included. Some buildings in Milwaukee include water and heat in the rent, which can help you save.

2. Ask About All the Fees

Rent might seem affordable at first. But extra fees can add up fast. Always ask the landlord or leasing office what other charges apply.

Ask questions like:

• What utilities are included in the rent?
• Do you charge a monthly fee for water or garbage?
• Is there a parking fee?
• Are pets allowed, and is there a pet fee or deposit?
• What is the total due at move-in?

Also, ask when rent is due each month and how to pay it. Some places charge late fees after just a few days.

Getting these details ahead of time helps you avoid surprise bills later.

3. Choose a Location That Fits Your Life

The apartment itself is important, but the location can make or break your experience.

Think about where you go most often. Do you need to be close to school or work? Is it important to be near friends or family?

If you don’t have a car, look for places near a bus stop or along a public transit route. Milwaukee has a solid bus system and bike-friendly areas, but some neighborhoods are easier to get around than others.

Also, think about the neighborhood vibe. Do you want quiet or busy? Are there grocery stores, laundromats, or coffee shops nearby?

Popular Milwaukee neighborhoods for first-time renters include Bay View, East Side, Riverwest, and Walker’s Point. These areas are known for walkability, local shops, and easy access to transit.

4. Check the Safety of the Area

Safety is one of the biggest concerns for new renters, and it’s something you should take seriously.

Start by searching for the crime rate in the area online. Type the neighborhood name into Google with “crime rate” and see what comes up.

Then, take a visit yourself. Walk or drive around the area in the daytime and again at night.

Ask yourself:

• Does the neighborhood feel safe and well-lit?
• Do the doors and windows have strong locks?
• Is the building secured with an entry system or buzzer?
• Are there people out walking, or does the area feel empty?

You can also ask people who live nearby how they feel about safety. Most folks will be honest and give you helpful tips.

Feeling safe at home is something you can’t put a price on. Don’t settle for a place that makes you uncomfortable.

5. Always Read the Lease Carefully

Before you sign, read the lease from start to finish. It’s not fun, but it’s important.

The lease is a legal contract. Once you sign it, you’re agreeing to follow the rules inside.

Here’s what to look for:

• How long is the lease? Most are 12 months, but some are month-to-month.
• What happens if you need to move early? Is there a penalty?
• Are there limits on guests, smoking, or pets?
• Can you hang pictures or paint the walls?
• How much notice do you need to give before moving out?

If you don’t understand something, ask. A good landlord or leasing agent will be happy to explain.

And always get promises in writing. If someone says, “Don’t worry, that’s fine,” ask them to put it in the lease or email it to you.

Other Mistakes First-Time Renters Make

Even when you do your homework, it’s easy to overlook small things that turn into big problems.

Here are a few common mistakes first-time renters make:

• Not taking photos during move-in. Always take pictures of the place when you move in. That way, you have proof if there’s a dispute about damage later.
• Skipping renters insurance. It’s cheap (usually under $20/month) and protects your stuff if there’s a fire, theft, or other damage.
• Forgetting to set up utilities. Don’t wait until move-in day to call the electric or internet company. Some take a few days to get started.
• Not budgeting for furniture. Even a basic setup adds up fast. Save money by buying second-hand or asking family for help.

Being prepared can save you money, stress, and even your security deposit.

Are You Apartment-Ready?

Before you sign a lease, ask yourself these questions to make sure you’re ready:

• Does the rent fit your budget, including all fees?
• Have you checked the area for safety?
• Is it close to the places you go most?
• Do you understand the lease and all its rules?
• Do you feel good about the landlord and the building?

If you can say yes to these, you’re in a good place to move forward.

Looking for an Apartment in Milwaukee?

If you're planning to move into your first apartment in Milwaukee, Enigma Properties can help.

We manage rentals in great neighborhoods all across the city, from Bay View and the East Side to Silver City and beyond. Whether you need a cozy studio or something with more space, we’ve got options for all budgets.

Check out our current listings to find your next home.

FAQs

How much should I earn to rent my first apartment?
Most landlords want your income to be three times the rent. So if rent is $1,200, your monthly income should be around $3,600.

Do I need renters insurance?
Yes. It protects your stuff in case of fire, theft, or damage. It also covers some accidents. It's affordable and worth it.

What should I check in a lease?
Look for the lease length, fees, guest rules, and pet policies. Make sure you understand everything before you sign.

Is it better to live alone or with roommates?
It depends on your budget and lifestyle. Roommates can save you money, but you’ll share space and responsibilities.

When should I start looking for apartments?
Start looking 30 to 60 days before your move-in date. That gives you time to compare places and ask questions.

What’s a good neighborhood in Milwaukee for new renters?
Bay View, Riverwest, Walker’s Point, and the East Side are all great areas with walkability and public transit.

What do I need to apply for an apartment?
You’ll usually need a photo ID, proof of income, rental history, and maybe a co-signer if you have no credit.

Sources

• Zumper. “Milwaukee, WI Rent Prices.” September 2025".
• Consumer Financial Protection Bureau. “Tips for Renting.”
• Apartment List. “How Much Rent Can I Afford?”
• NerdWallet. “What Is Renters Insurance?”
• City of Milwaukee. “Neighborhood Safety Stats.”