In 2025, the average monthly rent in the U.S. has exceeded $1,450, putting increasing financial pressure on working families, new graduates, and low-income individuals. However, this doesn’t mean that "affordable rentals" have completely disappeared. If you’re searching for pet-friendly apartments with utilities included, or rentals where the rent is calculated based on your income, or even hoping to find a 2-bedroom apartment for under $500, you’re not alone—this guide will reveal how to achieve this goal legally, safely, and effectively.

1. These Cities Still Have Monthly Rentals Under $500—Verified Data!

According to the latest data from Zumper and AffordableHousingOnline, here are some cities where you can find rentals under $500 per month, especially suitable for single renters or those willing to share accommodations:

If you opt to share a 2-bedroom apartment, the monthly rent per person can be as low as $250–$300, significantly reducing financial pressure.

2. These Five Websites Are Ideal for Finding Rentals Under $500

Many complain about the difficulty of finding housing because they’re using the wrong platforms. The following websites specialize in resources for low-income families and affordable housing, making it easier to find reliable and budget-friendly options:

• ✅ AffordableHousingOnline: Covers Section 8 and government-subsidized housing—highly recommended.
• ✅ RentCafe: Allows direct filtering for "income-based" or "low-income" listings.
• ✅ Zillow Rentals: A veteran rental platform where you can set a rent cap for filtering.
• ✅ Craigslist (by city): Great for local private listings, but be cautious of scams.
• ✅ Facebook Marketplace: A hotspot for private sublets and short-term rentals, ideal for local temporary needs.

3. Want to Secure a Place Quickly? Remember These Three Tips

Prioritize "Income-Restricted" or "Government-Subsidized" Housing

These rentals aren’t priced by the free market but are calculated based on your income. Look for terms like "income-restricted," "low-income housing," or "government-subsidized apartments." For example, on RentCafe, you can filter for such listings. After qualification, the rent is often far below market rates.

Apply Early for Section 8 and LIHTC

The Section 8 (Housing Choice Voucher) program, provided by HUD, requires you to pay only 30% of your income as rent, with the rest subsidized by the government. The Low-Income Housing Tax Credit (LIHTC) is another popular source of affordable housing, with some listings not requiring a credit score.

Connect with Local Nonprofits and Religious Organizations

Many effective low-rent housing opportunities are managed by local community resources, such as Catholic Charities, Veterans Affairs, or city family service bureaus. These are especially helpful for seniors, single-parent families, and immigrants.

4. Real-Life Examples: People Who Successfully Rented for Under $500

"My parents found a government-subsidized apartment for $480 with utilities included on RentCafe. The location isn’t prime, but it’s convenient for daily life."
— Amanda T., Toledo, OH

"My parents applied for Section 8 in Alabama. The original rent was $920, but after subsidies, they only pay $270 per month. It’s stable and safe."
— David M., Mobile, AL

5. Avoid These "Too Good to Be True" Scams

The tighter the market, the more scams emerge. Watch out for these high-risk scenarios:

• ❌ Requests for several months’ rent upfront with no formal contract.

• ❌ Deposits significantly higher than the monthly rent, suggesting shady brokers.

• ❌ Only accepting cash payments with vague contact information.

• ❌ Listings in remote or high-crime areas without providing an address.

Conclusion: Affordable Rentals Aren’t a Myth—It’s All About Strategy

Although rents continue to rise nationwide, as long as you use the right platforms, employ effective search methods, and actively apply for government assistance, rentals under $500 per month are still attainable in 2025. Moreover, more and more "income-based apartments" and "pet-friendly, utilities-included shared rentals" are becoming viable options. You might even find a "2-bedroom apartment for under $500 per month"—all it takes is taking the first step.