If you’ve ever asked friends, scrolled rental listings, or nervously refreshed your credit report before applying for a house, you’ve probably heard a bunch of different “minimum credit score” numbers. One landlord says 650. Another says 700. A third says they don’t care at all—as long as you can pay. So what’s the real answer?
The truth is: there isn’t one universal credit score requirement to rent a house. Credit is important, but it’s only one piece of a bigger puzzle that includes income, rental history, debts, job stability, and even how complete your application is. Some landlords run a strict score cutoff; others look at the story behind the number.
This guide breaks down the typical credit score ranges you’ll see, what a landlord is actually evaluating when they pull your report, and what you can do if your score isn’t where you want it to be. If you’re renting in competitive markets—or working with a professional manager—understanding these factors can seriously improve your odds.
Credit scores and rentals: why the number matters (but not in the way you think)
A credit score is basically a quick snapshot of how you’ve handled borrowed money. For landlords, it’s a risk tool. They’re asking: “If I hand over a home worth hundreds of thousands of dollars, will this person pay rent on time and follow the lease?”
But here’s the key: landlords aren’t just judging you as a person. They’re trying to reduce the chances of late payments, eviction, property damage, and costly turnover. A credit score doesn’t predict everything, yet it can signal patterns—especially when combined with the rest of your application.
Also, landlords don’t all use the same scoring model. You might see a score through your bank app, but the screening report could use a different bureau or model and come back slightly higher or lower. That’s why it’s better to think in score ranges rather than obsessing over a single point.
So… what credit score do you need to rent a house?
Most renters want a simple number. While the exact requirement varies by location, property type, and landlord, these general ranges are common for single-family rentals and townhomes.
700+ (strong applicant in most markets)
If your score is above 700, you’re usually in great shape. Many landlords see this as a sign of consistent on-time payments and manageable debt. In competitive areas, this range can help you stand out when there are multiple applicants.
That said, a high score doesn’t automatically guarantee approval. If your income is too low for the rent, or if your rental history includes serious issues, you can still be denied. But with 700+, you’re typically starting from a position of trust.
In practice, a 700+ score can sometimes mean more flexible lease terms, faster approvals, or less scrutiny on minor application gaps (like a short employment gap that’s well explained).
650–699 (often acceptable, depending on the rest of your file)
This is a very common “approved” range, especially for renters with stable income and clean rental history. Plenty of responsible tenants fall here—maybe you have a newer credit profile, higher utilization, or a couple of older late payments.
Landlords who accept this range often look more closely at your debt-to-income ratio, your job stability, and whether you’ve paid rent on time in the past. If everything else looks solid, 650–699 can be totally fine.
If you’re in this range, you can improve your chances by being organized: provide pay stubs, a clear employment letter if available, and accurate contact info for prior landlords. A smooth, complete application can matter more than people realize.
600–649 (possible, but expect extra conditions)
Scores in the low 600s can still get approved—especially with smaller landlords or properties with less competition—but it’s common to see added requirements. That might include a higher security deposit (where legal), a co-signer, proof of savings, or stronger income requirements.
In this range, landlords are often less worried about the number itself and more concerned about what’s driving it. A medical collection from years ago is different from a pattern of recent late payments. A thin credit file is different from maxed-out cards and multiple charge-offs.
If you’re here, it helps to be proactive: write a short, respectful note explaining any negative items and what’s changed. Keep it factual. Landlords don’t need your life story, but they do appreciate clarity and accountability.
Below 600 (harder, but not always impossible)
Below 600 is where many landlords become cautious, especially if there are recent delinquencies, unpaid collections, or a history of broken leases/evictions. Some property managers have firm policies that automatically decline below a certain threshold.
Still, there are exceptions. If the score is low because you have little credit history (not because of missed payments), you may be able to compensate with strong income, a larger deposit (if allowed), and excellent references.
If your score is low due to past financial hardship, your best approach is to apply strategically: target landlords who consider the full application, be ready to show stable income, and avoid submitting multiple applications without addressing the underlying issues.
What landlords actually look at on your credit report
When a landlord pulls your credit, they’re rarely scanning every line item like a loan underwriter. They’re looking for red flags and patterns that relate to paying rent and following a lease.
Payment history (especially recent late payments)
Late payments in the last 12–24 months carry a lot of weight. A single late payment from years ago might not matter much, but multiple recent late payments can make a landlord worry about rent arriving late every month.
Landlords also pay attention to severity: 30 days late is different from 60 or 90 days late. The more recent and severe the late payments, the more likely you’ll need compensating strengths (higher income, co-signer, etc.).
If you’ve had a rough patch but things are stable now, it can help to show evidence of stability—like consistent pay stubs, savings, or a letter from your employer confirming your position and start date.
Collections, charge-offs, and public records
Collections can be a big deal, but context matters. Medical collections are often viewed differently than unpaid utility bills or consumer debt. Some landlords care most about housing-related collections (like unpaid rent or damages).
Charge-offs and judgments can raise concerns, especially if they’re recent. Evictions—if they appear through screening or court records—are among the biggest red flags for many landlords.
If you have old items that are paid or settled, bring documentation. A screening report may not always reflect the most updated status, and having proof ready can prevent misunderstandings.
Debt-to-income pressure and credit utilization
Even if your score is okay, high debt payments can signal that your budget is tight. Landlords often consider whether you’ll have enough room to pay rent after car loans, credit cards, student loans, and other obligations.
Credit utilization (how much of your available revolving credit you’re using) can also hint at financial stress. Maxed-out cards can make a landlord worry you’re living paycheck to paycheck.
You don’t need perfect utilization to rent a house, but if you’re close to your limits, paying balances down before applying can help both your score and your overall application profile.
Length of credit history and “thin file” applicants
Some renters have low scores simply because they don’t have much credit history—new graduates, newcomers, or people who prefer cash/debit. This is different from having negative history.
If you’re a thin-file applicant, landlords may look for alternative proof of reliability: consistent employment, bank statements showing savings, or a strong rental reference.
In some cases, offering a qualified co-signer can bridge the gap while you build your own credit profile over time.
Beyond credit: the other factors that can make or break your application
Credit is only one part of the decision. Plenty of renters with average credit get approved because the rest of their application is strong. Likewise, some renters with high scores get denied due to other issues.
Income and rent-to-income ratio
A common benchmark is gross monthly income of 3x the rent, though some landlords use 2.5x or higher depending on the market and property. If you’re close to the line, landlords may ask for additional proof of savings or a co-signer.
Income consistency matters too. A steady job with predictable pay is easier to verify than variable income. That doesn’t mean freelancers can’t rent—just that you may need more documentation (like tax returns and bank statements).
If you’re changing jobs, a signed offer letter with salary can help, especially if your start date is soon and the position is stable.
Rental history and landlord references
Rental history is huge because it’s the closest thing to proof that you’ll pay rent and take care of a home. A strong reference from a prior landlord can sometimes offset a less-than-perfect credit score.
Landlords often look for: on-time payments, no major lease violations, reasonable cleanliness, and respectful communication. If you’ve been a low-maintenance tenant, that can be a major plus.
If you don’t have rental history (for example, you lived with family), consider providing alternative references—like an employer, a professor, or a community leader—along with proof of consistent savings.
Background checks and eviction screening
Many landlords run background checks as part of the screening process. Policies vary widely, but certain convictions or an eviction history can lead to denial depending on local laws and property rules.
Evictions are particularly challenging. Even if they’re older, they can make a landlord worry about repeating patterns. If you’ve had an eviction, you’ll usually need strong compensating factors and a clear explanation of what changed.
If you’re unsure what might appear on your record, it’s better to find out before applying so you can address it honestly and avoid surprises.
Why “house rentals” can be stricter than apartments (and sometimes the opposite)
Renting a house is different from renting an apartment in a large complex. Houses often come with higher monthly rent, more maintenance responsibility, and more risk exposure for the owner.
That can lead to stricter screening—especially for single-family homes in desirable neighborhoods. Owners may be more selective because they’re protecting a larger asset and want long-term tenants.
On the flip side, some private homeowners are more flexible than corporate apartment communities. They might be willing to talk through your situation, especially if you present yourself well and show strong income and stability.
What professional property managers tend to do differently
When a home is managed professionally, screening is often more standardized. That can be good (clear expectations) or frustrating (less wiggle room), depending on your situation.
Professional managers typically follow fair housing guidelines, apply consistent criteria, and document decisions. They may have minimum credit standards, income requirements, and verification steps that are non-negotiable.
If you’re applying for a managed home, it’s smart to ask upfront what the qualification criteria are. That way you can avoid paying application fees if you clearly don’t meet the baseline.
In markets like South Jersey, working with a reputable manager can also mean better maintenance response, clearer lease terms, and a more structured process. If you’re trying to understand how screening works locally, a property management company in South Jersey can often explain the typical requirements you’ll see for houses versus other rental types.
If your credit score isn’t ideal, here’s how to still rent a house
A less-than-perfect score doesn’t automatically mean you’re out of options. The goal is to reduce the landlord’s perceived risk with clear documentation and reasonable compromises.
Offer stronger proof of ability to pay
If your credit is shaky, showing financial stability becomes even more important. Bring recent pay stubs, bank statements (if you’re comfortable), and proof of savings. Landlords want to know you can handle rent even if something unexpected happens.
If you have variable income, consider providing a longer window of documentation—several months of deposits, a year of tax returns, or a letter from a CPA if applicable.
Also, be prepared to explain any gaps. A short, honest explanation can prevent a landlord from assuming the worst.
Use a qualified co-signer or guarantor (when allowed)
A co-signer can be a powerful option if you’re early in your career, rebuilding credit, or relocating. The co-signer typically needs strong credit and sufficient income, and they’re legally responsible if you don’t pay.
Not every landlord accepts co-signers, and some require the co-signer to live in the same state. Ask early so you’re not scrambling after you’ve found the perfect place.
If you do use a co-signer, treat it like a serious commitment: set up autopay, keep communication open, and protect that person’s trust.
Pay down balances before you apply (quick wins)
If you have time before applying, paying down credit card balances can sometimes improve your score faster than you’d expect. Utilization is a big factor, and lowering it can boost your score within a billing cycle or two.
Avoid opening new accounts right before applying. New credit inquiries and new accounts can temporarily lower your score and raise questions.
Also, double-check your credit reports for errors. Disputing inaccuracies—like a paid collection still marked unpaid—can make a meaningful difference.
Look for the right-fit listing and apply strategically
Not every listing is a match for every renter. Some homes are priced and positioned for top-tier applicants; others are more flexible. If you know your credit is borderline, focus on listings that mention “flexible credit,” “case-by-case,” or that prioritize income and rental history.
In competitive markets, speed matters. Have your documents ready so you can apply quickly and accurately. Missing information can delay your application and cost you the home.
If you’re searching in a specific region, it helps to use a curated source of listings so you’re not wasting time on outdated posts. For example, if you’re actively browsing South Jersey houses for rent, you can often get a clearer sense of typical qualification standards and rent ranges in the area.
How to talk to a landlord about credit without making it awkward
Many renters avoid the credit conversation until the screening report comes back—and then it’s too late. A better approach is to address it calmly and professionally before you apply, especially if you know there’s something on your report that might raise questions.
You don’t need to overshare. You can simply say: “My credit score is around X due to Y (brief reason), but my income is stable and I can provide references.” This frames the issue and highlights your strengths.
Landlords appreciate renters who are straightforward, organized, and respectful. Even if the answer is “no,” you’ll save time and application fees by getting clarity early.
Common credit myths that trip up renters
There’s a lot of misinformation out there. Clearing up a few myths can help you focus on what actually moves the needle.
Myth: “A landlord only cares about the score number”
In reality, many landlords care more about what’s inside the report: recent late payments, collections, and whether you’ve handled obligations consistently. Two renters can have the same score for totally different reasons.
If your score is lower due to limited history rather than negative events, you may be in a better position than you think—especially with strong income and references.
That’s why it’s helpful to review your own report before applying, so you know what a landlord is likely to see.
Myth: “No credit is the same as bad credit”
No credit can be inconvenient, but it’s not automatically a deal-breaker. It simply means the landlord has less data to work with. You can often compensate with documentation and a co-signer if needed.
Bad credit, on the other hand, usually means there’s evidence of missed payments or unpaid debts. That’s a different conversation and may require more significant compensating factors.
If you have no credit, consider building it slowly with a secured card and consistent on-time payments—just avoid taking on debt you can’t comfortably pay off.
Myth: “If I get denied once, I’m basically done”
A denial isn’t the end—it’s information. Find out (politely) what the issue was: income, credit, rental history, incomplete verification, or something else. Then adjust your strategy.
Sometimes the fix is simple, like providing clearer documentation or correcting an error on your report. Other times it’s about targeting a different price point or a different type of landlord.
And if you’re applying through a professional manager, ask if they can share the qualification criteria upfront so you can focus only on homes you’re likely to qualify for.
What to prepare before you apply (so you look like the easiest “yes”)
Even with good credit, a messy application can slow things down. With average or bruised credit, being organized can be the difference between approval and being passed over for someone else.
Documents that help your application move quickly
Have digital copies ready of: government ID, recent pay stubs, employment letter (if you can get one), and contact info for prior landlords. If you’re self-employed, prepare tax returns and bank statements that show consistent deposits.
If you’re using a co-signer, gather their documents too. Delays often happen when a co-signer is added after the fact.
Also, be ready to pay the holding deposit or security deposit quickly if approved (following local laws and the landlord’s process). In competitive markets, timing matters.
References that actually carry weight
The best reference is usually a prior landlord who can confirm on-time rent and good care of the property. If you’re leaving on good terms, ask in advance if they’re comfortable being contacted.
If you don’t have a landlord reference, an employer reference can still help, especially if it confirms your reliability and steady income.
Try to avoid references who won’t answer calls or emails quickly. A great reference who’s unreachable isn’t very helpful during a fast-moving rental process.
How credit requirements can vary in South Jersey (and why that matters)
Rental standards often reflect local demand. In some areas, houses rent quickly and landlords can be more selective. In other areas, there’s more flexibility because the pool of qualified applicants is smaller or the rental price point is different.
South Jersey is a mix of commuter-friendly suburbs, shore-adjacent towns, and quieter communities—so screening standards can vary a lot by neighborhood and property type. A three-bedroom single-family home in a high-demand school district may come with stricter credit expectations than a smaller property in a less competitive area.
If you’re renting in the region and want a clearer sense of what’s typical, it can help to speak with someone who sees applications every day. A South Jersey residential property manager can often tell you what ranges are commonly accepted, what documentation helps most, and which factors tend to cause denials—without you having to guess.
Smart next steps if you’re planning to rent soon
If you’re a few months away from moving, you have time to set yourself up for success. Start by checking your credit reports, paying down revolving balances if possible, and avoiding new credit accounts unless necessary.
Then, get your paperwork in order. A complete application package—income proof, references, and accurate information—makes you easier to approve. Landlords like “low friction” tenants because the process feels predictable and professional.
Finally, be realistic about your budget. If you’re stretching to afford the rent, even a strong credit score may not save the application. Choosing a rent level that fits comfortably can make approvals smoother and your day-to-day life less stressful once you move in.