What Credit Score Do You Need to Rent?

Typical Credit Score Requirements for Renters

700 and above — Considered excellent for renting. Applicants in this range rarely face approval issues and may qualify for better terms or lower deposits.

650 to 699 — Considered good. Most renters in this range are approved without difficulty, though deposits may vary depending on the landlord or property.

600 to 649 — Considered fair. Many landlords still approve renters with this score, but they may require higher security deposits or proof of stable income.

Below 600 — Considered poor. Approval is still possible, especially with private landlords, but applicants may need strong income, a co-signer, or an additional deposit.

Other Factors Landlords Consider

Income stability and employment history

Past rental behavior, including evictions

Outstanding debts or collections

Criminal background checks depending on local laws

A good credit score helps, but it is not the only factor. Many renters with lower credit still qualify by showing strong income, paying larger deposits, or offering references.

Tips to Improve Your Chances of Approval

Check your credit report in advance to identify errors

Reduce your credit card balances before applying

Prepare recent pay stubs or proof of income

Offer a larger security deposit if needed

Understanding your credit score and preparing ahead can increase your chances of getting approved for a rental, even if your score is not perfect.