Cost of Living Guide
Rent Deposits and Fees: What Surprises People
Renting abroad often costs more upfront than people expect. Deposits, fees, and requirements differ from country to country. Understanding these patterns helps you budget for the reality of moving.
Last reviewed: January 2026
Research summary for planning purposes. Not legal, tax, or financial advice. Verify with official sources.
This page explains upfront rental costs that commonly surprise people moving abroad.
- How deposit amounts vary by country and landlord
- Agency and finder fees that add to upfront costs
- Guarantor and proof-of-income requirements
- Why the first month often costs 3-5x the monthly rent
- What to verify before signing a lease
Key tradeoffs
Important considerations that affect most people in this situation.
Renting Through Agencies
- • More listings, wider selection
- • Often more paperwork and verification
- • Agency fees add to upfront costs
- • May offer some tenant protections
Renting Directly from Landlords
- • Potentially lower fees or no agency fee
- • Fewer formal requirements sometimes
- • Less selection, harder to find
- • Varies widely in professionalism
Deposit amounts vary widely
Security deposits commonly range from 1-3 months rent. Some countries or landlords ask for more. The amount is not always negotiable.
Deposit practices are often customary rather than strictly regulated. What is 'normal' differs by country, city, and even neighborhood.
Higher deposits are common for furnished apartments, short-term leases, or tenants without local references. Your situation affects what landlords ask for.
Agency fees add significantly to costs
Many rentals involve agency or finder fees on top of deposits.
Agency fees range from a few hundred to a full month's rent or more. In some markets, tenants pay. In others, landlords pay. Rules vary.
These fees are often non-refundable. They are a cost of finding the apartment, separate from your deposit.
Some countries have regulated or banned tenant-paid agency fees. Others have not. Knowing local rules matters.
The first month often costs 3-5x monthly rent
Add up everything due before you move in.
A €1,000/month apartment might require €3,000-5,000 upfront. This is common but catches many people off guard.
Having this cash available—often in local currency—before apartment hunting is practical. Landlords expect quick payment to secure a lease.
- First month's rent (sometimes in advance)
- Security deposit (1-3 months typically)
- Agency fee (if applicable)
- Last month's rent (sometimes required upfront)
- Utility deposits or connection fees
Proof of income requirements
Landlords commonly ask for proof you can pay. This might mean employment contracts, bank statements, or tax returns.
Remote workers and freelancers face extra scrutiny. Income from foreign sources may not be understood or trusted.
The typical requirement is income 2-3x the monthly rent. Without this, you may need a guarantor or larger deposit.
Guarantor requirements
Some landlords require a local guarantor—someone in the country who promises to pay if you do not. This is difficult for new arrivals.
Guarantor requirements are common for students, new residents, and people without local income history. It is not personal; it is risk management.
Workarounds include larger deposits, paying multiple months upfront, or using guarantor services (where they exist). None are guaranteed to work.
Deposit return: when and what to expect
Getting your deposit back involves inspection and often negotiation. Deductions for cleaning, repairs, or 'wear and tear' are common.
Timelines vary. Some countries regulate when deposits must be returned. Others leave it to the lease terms.
Documenting the apartment condition at move-in with photos and written notes protects you. Without documentation, disputes favor the landlord.
Furnished versus unfurnished costs
Furnished apartments have higher monthly rent but lower setup costs. Unfurnished apartments cost less monthly but require furniture investment.
The tradeoff depends on how long you stay. Short stays favor furnished. Longer stays may favor unfurnished with your own furniture.
Furnished apartments may have higher deposits to cover furniture damage. Check what 'furnished' includes—definitions vary.
Payment methods and timing
Rent is often paid by bank transfer. Having a local bank account simplifies this. International transfers can work but may incur fees.
Payment timing varies. Some landlords expect payment at the start of each month. Others have different schedules.
Late payment terms differ by country and lease. Understand the consequences before they become relevant.
Contracts are often in the local language
Lease contracts are typically in the country's official language. You may sign a document you cannot fully read.
Getting translations or having someone explain the terms is practical. Key clauses to understand: deposit return conditions, termination terms, and renewal rules.
Verbal promises are hard to enforce. If something matters, it should be in the written contract.
Common pitfalls
Issues that frequently catch people off guard in this area.
Next steps
Continue your research with these related guides.
Cost of Living Hub
Overview of all cost guides
Banking Hub
Setting up payments for rent
How to Open a Bank Account Abroad
Local accounts for rent payments
Healthcare Hub
Another major ongoing expense
Visas Hub
Visa status may affect rental options
Living in Valencia
City guide with housing context
Living in Spain
Country guide with rental information
Sources & references
Rental Market References
- Tenant rights organizations – Deposit and fee regulations
- Real estate market reports – Rental practice patterns
Practical References
- Expat community experience – Real-world rental challenges
- Local rental listings – Current market practices
Information gathered from these sources as of January 2026. Requirements and procedures may change.