Build US credit as an international student

Rentaba helps international students turn rent payments into US credit history.

Start Building Credit

Which US states are cheapest for international students to live in

The cheapest US states for international students to live in are generally Mississippi, Oklahoma, Arkansas, Kansas, and Texas (outside major cities). These states have the lowest rent, food, transportation, and general living costs, which matters a lot since international students must show financial proof and cannot work unlimited hours.

 

Why these states are cheaper

 

These states have lower average rent, fewer housing shortages, and overall lower everyday prices. International students often feel the difference most in rent, groceries, phone plans, and transportation. Tuition may still vary by university, but daily living costs stay consistently low.

 

State-by-state details

 

  • Mississippi: One of the lowest rents in the country. Small cities like Hattiesburg make it easy to find affordable rooms. Public transport is limited, so choosing housing near campus matters.
  • Oklahoma: Cheap apartments and lower food prices. Cities like Stillwater and Norman have student-friendly markets and predictable utility costs.
  • Arkansas: Low rent and stable prices for groceries. Fayetteville and Jonesboro offer reasonable on-campus housing, which helps students without cars.
  • Kansas: Affordable cost of living and strong campus support systems. Lawrence and Wichita have lower health insurance add-ons and cheaper phone plans.
  • Texas (non‑major cities): Smaller cities like Lubbock, Denton, and College Station are much cheaper than Austin or Dallas. Transportation is easier, and shared housing is widely available.

 

What “cheap” means for an international student

 

  • Rent: Lower cost for shared apartments or student housing reduces upfront deposits and monthly bills.
  • Utilities: In expensive states these can add a lot; in cheaper states they stay predictable.
  • Food and transport: Groceries, buses, and ride services cost less, helping students manage limited income since work hours are restricted.
  • Proof of funds: Lower living cost means smaller bank balance required for visa and I‑20 updates.

 

Best approach for choosing a state

 

Pick a state with low rent and a university town that offers reliable campus transport, on-campus jobs, and safe neighborhoods. Always check local housing listings, average utility costs, and how far most students live from campus. Cheap living only helps if transportation is practical and support services are easy to reach.

New to the US? Your rent can help build credit

See how Rentaba uses rent payments to support early credit building.

Explore more guides for international students

What happens if a student visa expires while abroad

Learn what happens if your student visa expires while abroad, including risks, travel rules, and steps to regain legal student status.

Read More

Can international students visit home during the school semester

Learn whether international students can visit home during the school semester, including rules, travel tips, and how to maintain visa compliance.

Read More

Can international students buy phones on installment plans

Find out how international students can buy phones on installment plans, including eligibility, required documents, and top carrier options.

Read More

Can international students open a US bank account

Learn how international students can open a US bank account, required documents, top banks, and tips to simplify the process.

Read More

Can international students build credit history in the US

Learn how international students can build credit history in the US with practical steps, tips, and tools to start strong financially.

Read More

Is credit history required to rent housing as an international student

Learn whether international students need credit history to rent housing and explore simple alternatives to secure accommodation abroad.

Read More

Frequently Asked Questions

Everything you need to know about rent reporting, simplified and explained.

What is Rentaba and what does it do?
What are the benefits of Rentaba for universities?
My university does not have this program yet. Can Rentaba help me build credit?
Can I use Rentaba if my rent is being partially paid by a scholarship?
Does Rentaba help with living on campus?
What is a lease agreement?
Where can I find my university billing statement?
Does using Rentaba change how I pay my rent?
Do I need to keep uploading my payments? When?
Which credit bureaus does Rentaba report to?
Why do I need to wait 3 months to see my credit score change?
I started my lease 6 months ago, can I get credit for my past payments?
What impact will I see on my credit score?

Still have questions?

Our team is here to help — reach out anytime and get the answers you need.