7 Practical Tips for Renting an Apartment in Indianapolis

This updated guide offers seven practical tips for renting in Indianapolis: use multiple listing sources, prioritize neighborhoods, inspect units, prepare application documents, read leases closely, budget for all moving costs, and document the move-in condition. Check local city resources (Indy.gov) for renter information.

Quick facts

Indianapolis is Indiana's capital and largest city. As of the 2020 U.S. Census, the city proper had about 887,642 residents. Whether you're new to the city or relocating within it, the rental market rewards preparation.

1. Use multiple listing sources

Start with national rental sites (Apartments.com, Zillow, Rent.com, HotPads, Apartment Guide) and general marketplaces like Facebook Marketplace. Combine those with local options: the Indianapolis Star classifieds and the city's website (Indy.gov) can point to neighborhood resources and official programs.

2. Narrow your neighborhood priorities

Decide what matters: commute time, transit access, schools, nightlife, or green space. Use a map to test commute times at the hours you would travel. Walk the neighborhood at different times of day to check noise, safety, and parking.

3. Know what to check on a visit

Always tour in person or request a live video walkthrough. On a visit, test plumbing, windows, heating/AC, and appliances. Look for signs of pests or water damage. Take photos and note existing damage so you aren't held responsible later.

4. Understand application requirements

Landlords commonly run background and credit checks and ask for proof of income (pay stubs or bank statements), photo ID, and references. Have digital copies ready to speed the application. Be ready to act quickly in competitive neighborhoods.

5. Read the lease closely

Confirm the lease length, renewal terms, move-in/move-out procedures, utility responsibilities, guest and pet policies, and how security deposits are handled. Get any promised repairs or concessions in writing before you sign.

6. Budget realistically

A common guideline is to keep rent at or below roughly 30% of gross income, but local circumstances vary. Don't forget move-in fees, security deposits, utility start-up costs, and renters insurance, which many landlords now require.

7. Protect yourself and document everything

Request a written move-in inspection or create one yourself with timestamps and photos. Keep copies of all correspondence, receipts, and the signed lease. If you have questions about local renter protections or disputes, check Indy.gov for city resources and look for local tenant-rights organizations.

Final thoughts

Renting in Indianapolis is manageable if you research, visit, and document. Use multiple listing sources, understand the lease, and prepare your application materials in advance to increase your chances of securing the right unit.