Boston Move-In Calculator

Calculate how much you need upfront for your next Boston apartment

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Total upfront cost:

$10,000

Upfront Move-in Cost Breakdown

Fee CategoryEstimated Amount
First Month$2,500
Last Month$2,500
Security Deposit$2,500
Broker Fee$2,500
Total Upfront Cost$10,000
First Month
$2,500
Last Month
$2,500
Security Deposit
$2,500
Broker Fee
$2,500
Tip: Fees are NegotiableBroker fees and security deposits can be negotiable depending on the landlord.

Upfront Costs to Rent in Boston

Upfront costs to rent an apartment in Boston are typically equal to 3 to 4 months of rent, including first month’s rent, last month’s rent, a security deposit, and often a broker fee.

First Month's Rent

This is your first actual rent payment. It is usually due either when you sign the lease or on the day you move in. It covers your first 30 days of living in the apartment.

Last Month's Rent

Landlords collect this as "pre-paid rent." It guarantees that your final month in the apartment is already paid for. Landlords are required to pay you interest on this money every year, or apply it to your final month's balance.

Security Deposit

This is money held by the landlord to cover potential damages to the unit. In Massachusetts, it cannot exceed one month's rent. There are very strict laws about how this money must be handled—it must be kept in a separate interest-bearing account, and you must receive a receipt within 30 days.
Security Deposit Laws ->

Broker Fee

Often called the "Boston Tax," this is a fee paid to the real estate agent who showed you the apartment. It is typically equal to one full month's rent. While common, you can find "No-Fee" apartments by looking at large managed buildings, finding direct landlord listings, or using rental platforms like Houseform that highlight no-fee inventory.
How to avoid broker fees →

Key & Lock Fee

A landlord is allowed to charge you the actual cost of changing the locks and providing keys at the start of your tenancy. This is usually a small amount ($50–$100).
Boston Broker Fees Explained →

When Are These Fees Due?

You’ll typically pay in two stages during the rental process:

Stage 1: With the Application

Often, you will be asked for a deposit (sometimes one month's rent) to "hold" the apartment while your application is processed. If approved, this typically becomes your first month's rent or security deposit.

Stage 2: At Lease Signing

The remainder of the core costs (Last month, remaining deposits, and broker fee) are usually due within 24–48 hours of your application being approved.

Upfront Renting Costs Explained →

How to Avoid a Broker Fee

If paying 4x rent upfront isn’t realistic, here are the most effective ways to lower the cost:

  • Search no-fee listings: Filter for listings where the landlord covers the broker fee.
  • Target managed buildings: Many lease in-house with no broker fee and lower deposit.
  • Go direct: Call “for rent” signs or contact property managers when possible.
  • Look off-cycle: Renting outside September gives you more leverage.
  • Negotiate: Fees can sometimes be reduced, split, or covered.
Guide on how to avoid broker fees →

I have an ESA – can a landlord charge pet fees?

Generally, no. Under federal Fair Housing law, emotional support animals are considered assistance animals and are not treated as pets in covered housing. A landlord may not charge pet rent, pet fees, or a separate pet deposit for an approved ESA.

Guide to renting with pets in Boston →

Boston Renting Guides

Getting Started

First-Time Renter's Guide to Boston

A beginner’s guide to renting in Boston, including budgets, documents, neighborhoods, and common pitfalls.

Read14 min
Getting Started

Best Boston Neighborhoods by Budget

Compare Boston neighborhoods by price, lifestyle, and commute to find the best area for your budget.

Read12 min
Move-In Costs

Boston Broker Fees Explained

Understand how Boston broker fees work, when renters must pay them, and how to find no-fee apartments.

Read5 min
Tenant Rights

Boston Tenant Rights Guide

Learn the key tenant protections in Massachusetts, including repairs, deposits, evictions, and landlord responsibilities.

Read15 min
Safety & Scams

How to Avoid Rental Scams in Boston

Learn the most common Boston rental scams and how to verify listings before sending money.

Read7 min
Move-In Costs

Guarantor Requirements in Boston

Understand Boston’s 3× income rule and how guarantors work if you don’t meet landlord requirements.

Read7 min

Renting resources in Boston

6 Resources

r/bostonhousing

r/bostonhousing

Reddit
35

Active community with daily posts and helpful advice, listings require careful vetting

Broker fee listings
Mixed
Other feesNone
SpamLow
SafetyModerate
Visit Site
Northeastern University (NEU) Apartments and Housing

Northeastern University (NEU) Apartments and Housing

Facebook
31

Facebook Group for NEU

Broker fee listings
Rare
Other feesNone
SpamModerate
SafetyModerate
Visit Site
HouseForm

HouseForm

Rental Platform
29

Has active apartment listings, including no broker fee options

Broker fee listings
Mixed
Other feesNone
SpamLow
SafetySafe
Visit Site
Boston Apartments and Housing

Boston Apartments and Housing

Facebook
28

Facebook Group for Greater Boston

Broker fee listings
Rare
Other feesNone
SpamModerate
SafetyModerate
Visit Site
Apartments.com

Apartments.com

Marketplace
24

Rental site with broker and large apartment building listings

Broker fee listings
Very Common
Other feesNone
SpamModerate
SafetyModerate
Visit Site
Zillow

Zillow

Marketplace
23

General marketplace where brokers and agents post listings

Broker fee listings
Very Common
Other feesNone
SpamModerate
SafetyModerate
Visit Site