Apartment Utilities Guide: What to Expect and How to Budget
The short answer
Learn which utilities are typically included in rent, how much utilities cost for a 1-bedroom apartment, and how to set up utilities when you move in.
When you rent an apartment, utilities are one of the most variable and misunderstood costs. Understanding which utilities are typically included in rent, which you pay separately, and how much to budget will help you avoid surprises.
What Are Apartment Utilities?
Utilities are the ongoing services required to make an apartment livable:
- Electricity
- Gas (heating and cooking)
- Water and sewer
- Trash collection
- Internet
- Cable TV (increasingly rare in leases)
Some apartments include certain utilities in the rent price ("utilities included"). Others require you to set up and pay all utilities separately.
Which Utilities Are Typically Included in Rent?
Practices vary by building and market, but common patterns:
| Utility | Often Included | Usually Separate |
|---|---|---|
| Water / sewer | Yes (especially in older buildings) | In some newer buildings |
| Trash collection | Almost always | Rarely |
| Electricity | Rarely | Almost always |
| Gas | Sometimes (older buildings with central heat) | Often in newer builds |
| Internet | Rarely (some luxury buildings, student housing) | Almost always |
Average Utility Costs for Apartments (2026)
- Electricity: $80–$150/month (studio/1BR); $130–$200/month (2BR)
- Gas: $30–$80/month (varies heavily by climate and heating type)
- Internet: $50–$80/month (100–500 Mbps plan)
- Water/Sewer (if not included): $30–$60/month
- Total (all separate): Typically $200–$400/month for a 1-bedroom
Add utilities to your rent when comparing apartments. A $1,800 apartment with utilities included may cost less than a $1,600 apartment where you pay $300 in utilities.
How to Set Up Utilities When Moving In
- Find out which utilities you are responsible for. Read your lease — it specifies what is included and what is your responsibility.
- Identify the utility providers for your area. Ask your landlord which companies service the building (e.g., ConEd in NYC, PG&E in Northern California, ComEd in Chicago).
- Set up accounts before move-in day. Most utility companies can schedule service start dates 2–4 weeks in advance. Call or use online portals.
- Get account numbers from the landlord. For utilities that are in the landlord's name (water, sometimes gas), ask if service can be transferred or if you pay separately.
- Set up autopay. Late utility payments can affect your credit score. Autopay prevents this.
Internet Providers: What to Check Before You Sign
Internet availability varies dramatically by building. Before signing your lease:
- Ask your landlord which internet providers service the building
- Check if the building has a pre-negotiated bulk internet deal (common in luxury apartments)
- Test cell signal in the apartment during your tour
- If the building only has one slow provider, factor this into your decision
Electricity Tips to Reduce Your Utility Bill
- Ask about the apartment's heating/cooling system (electric vs. gas; central vs. window units) — this is the biggest driver of your electric bill
- Use LED bulbs throughout the apartment
- Set your thermostat to 68°F in winter and 76°F in summer as defaults
- Unplug electronics when not in use ("vampire power" can add $10–$20/month)
- Use energy-efficient appliances if purchasing your own
What Does "All Utilities Included" Mean?
"All utilities included" or "utilities paid" in a listing typically means water, heat, electricity, and sometimes gas are included in the rent. However, it rarely includes internet and cable. Always confirm exactly what is included before signing.
Budget Properly Before You Apply
When budgeting for an apartment, use the full monthly cost (rent + utilities + renter's insurance + parking) to calculate your income-to-rent ratio. A verified income report from Settl shows landlords your monthly bank deposits — helping them see you can comfortably cover the total monthly cost. Get verified today.
Settl Editorial
Settl Editorial
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