State College Apartment Living On a Budget

Matt Perkins • November 6, 2023

You don't need to break the bank to live the good life in Happy Valley

Saving money on your college apartment in State College, Pennsylvania, can be a strategic balancing act, especially when you're navigating the demands of academic life at Penn State University. The cost of living in a college town can be steep, but with some insider knowledge and a few money-saving strategies, you can stretch your dollars further without sacrificing the quintessential college experience. Here’s your guide to economical living in State College, complete with tips to keep your wallet happy.


Budget-Friendly Housing Selection


Off-Peak Apartment Hunting: Timing is crucial when looking for apartments. Begin your search early or during off-peak times when competition is less fierce, typically in the middle of a semester. Landlords might be willing to offer discounts to fill vacancies. Looking for an affordable State College apartment? Some apartment rental companies in town have units that are reasonably priced.


Roommates and Shared Spaces: Opt for a shared apartment or house. The more roommates you have, the more you can divide the cost of rent and utilities. Just ensure everyone is reliable and understands the sharing agreement.

Furnishing on a Dime


Second-Hand Furniture: Centre County has numerous thrift stores and online platforms where students sell or give away used furniture. You can find everything from desks to kitchen tables at a fraction of the retail price.


University Surplus Stores: Penn State University often sells surplus items, including furniture, at significantly reduced prices. Keep an eye on university bulletin boards or websites for sale announcements.

Smart Utility Use


Energy Efficiency: Utility bills can be reduced with careful planning. Students can split the cost of Wi-Fi and streaming services with roommates, taking advantage of bundle deals offered by local internet service providers. Efficient thermostat management, such as reducing heat during the winter, can lead to lower monthly bills. The Department of Energy’s website provides tips on how to keep energy costs down.


Water Conservation: Minimize water bills by taking shorter showers and fixing any leaky taps promptly.


Heating and Cooling: To save on heating and cooling, invest in thermal curtains and use fans or space heaters wisely.


Affordable Grocery Shopping


Discount Grocers: Shop at discount grocery stores in State College for staple items. Buying in bulk, using coupons, and purchasing store brands can also reduce food expenses.


Farmers Markets: Visit local farmers markets for fresh produce. It's often cheaper (and healthier) than what you'd find in grocery stores, and you're supporting local agriculture.


Transportation Savings


Bike or Walk: Take advantage of State College's bike-friendly streets and pedestrian paths. Not only is it free, but it’s also good exercise and environmentally friendly.


Public Transportation: Transportation costs can be kept to a minimum by using the Centre Area Transportation Authority (CATA) buses, which offer extensive routes throughout the Penn State campus and the surrounding area. Schedules and pass information can be found on the CATA website. For those living close enough to campus, walking or biking not only saves money but also promotes a healthy lifestyle.


Minimal Lifestyle


Sell Unused Items: Periodically sell items you no longer need or use. This can be an infusion of cash and also keeps your living space uncluttered.

DIY and Crafting: Instead of buying decorative items, get creative and make your own.


Community Resources


Student Discounts: Take advantage of student discounts for services and entertainment in State College. Always carry your student ID and ask if a discount is available.


Library Resources: Utilize the local libraries of Centre County not just for books, but also for movies, games, and other forms of entertainment.


Subsidized Student Services


On-Campus Amenities: Make the most of the amenities offered on campus. Gyms, health centers, and counseling services are often cheaper than their off-campus counterparts.

Work-Study and Job Opportunities:
Penn State offers a comprehensive work-study program, allowing students to earn money and gain work experience. Students can find job postings on the university’s work-study portal or look for part-time positions on job boards such as Indeed or Glassdoor, which often list opportunities ideal for a student's schedule.


Meal Planning and Cooking at Home

Make a Plan: Eating out can quickly eat into any budget. Students can slash food bills by meal planning and cooking at home. Local grocery stores in State College, including Wegmans and Giant, post weekly specials on their apps, allowing savvy shoppers to take advantage of sales and discounts.


Academic Material Savings


Why Buy When You Can Rent: Textbooks can be a significant expense, but they don't have to break the bank. Used textbooks are available at local bookstores in State College, such as the Student Book Store on East College Avenue and Webster’s Bookstore Café on East Beaver Avenue. Penn State University Libraries also offer digital textbook rentals and loan programs, eliminating the need to purchase books outright.


Community Engagement and Free Entertainment


Free is Free: State College has a vibrant cultural scene, with many events free to the public or discounted for students. The Penn State Events Calendar lists activities ranging from sporting events to theater productions. The Central Pennsylvania Festival of the Arts and the Palmer Museum of Art are just a couple of venues where students can enjoy culture without spending a lot.


Student Support Services


Managing finances is a critical skill for any student.
Penn State's financial literacy workshops are designed to help students navigate their finances. For those needing personalized advice, national resources such as the National Foundation for Credit Counseling offer guidance. Mental health is equally important, and CAPS provides counseling services to Penn State students, often at a reduced cost.


Local Marketplace and Exchange Platforms


The rise of online marketplaces has made it easier to buy, sell, and trade goods. Penn State’s own classifieds, as well as Facebook groups for State College, offer a platform for students to find or sell used furniture, electronics, and other items. Sites like Freecycle Network can also be a great resource for items being given away for free in the local area.


DIY and Crafting


For the creatively inclined, DIY projects can turn a college apartment into a personalized space without the hefty price tag. Online tutorials and blogs can provide inspiration and step-by-step guides for everything from building a bookshelf to sewing curtains.


Seasonal Discounts and Year-round Savings


Finally, seasonal and year-round discounts can be found through coupon sites like RetailMeNot and Groupon, offering savings on everything from oil changes to haircuts in State College. Discounted gift cards available on sites such as Cardpool or Raise can also add up to significant savings for savvy students.


With a little effort and creativity, Penn State students can find numerous ways to save money without compromising their college experience. From the kitchen to the classroom, and from the apartment to the great outdoors, every corner of State College life offers an opportunity for savings.

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August 8, 2025
Renting your first apartment in State College, PA is a big step — especially if you're a Penn State student moving off-campus. With dozens of student apartment complexes, private rentals, and housing options near campus, it’s important to know what to expect before you sign a lease. Here's a helpful guide for first-time renters navigating the State College student housing market. Apartments Rent Quickly — Plan Ahead State College is a true college town. That means thousands of Penn State students are all looking for apartments at the same time — usually for August move-ins. Many properties begin leasing nearly a year in advance , so start your search in the fall semester if you plan to move the following summer or fall. Pro tip: Waiting until spring means you may be choosing from limited availability. Expect to Pay First and Last Month’s Rent (and Maybe More) When signing a lease for State College apartments, you’ll likely need: First month’s rent Last month’s rent Security deposit (typically equal to one month’s rent) Application fee Pro tip: Make sure you budget for these upfront costs. Ask your landlord or property manager exactly what’s due at signing so there are no surprises. Not All Apartments Are Furnished Some student apartments near Penn State come fully furnished — especially larger complexes aimed at undergraduates. But many privately owned units do not. Always ask: Is furniture included? Is there a bed, desk, or couch? Are appliances included (microwave, fridge, etc.)? Pro tip: If you’re bringing your own furniture, factor in moving costs. Parking Might Cost Extra Parking in State College can be limited, especially downtown or near campus. If you’re bringing a car, check: Is a parking spot included in rent? Is it on-site or off-site? Is there guest parking? Pro tip: Some properties offer assigned spots , while others rely on street parking or municipal lots. If you don’t need a car, you may be able to save money by skipping parking altogether. Learn the Lease Terms Carefully Many apartments in State College are leased by the year — not by the academic semester. Read the lease carefully and ask: What is the lease length? Are sublets allowed in summer? Who is responsible for utilities? Are there quiet hours, guest policies, or other rules? Pro tip: Some properties offer individual leases (you’re only responsible for your rent), while others offer joint leases (all roommates share responsibility). Utilities Aren’t Always Included Make sure you ask what’s included in the rent: Heat Water Electricity Internet/Wi-Fi Trash service Pro tip: All-inclusive rent can be easier for budgeting, especially for students, but it may be slightly higher. Work With Local Property Managers Instead of only using big national apartment websites, check listings from local property managers in State College. They often have: Earlier access to listings Better knowledge of the student rental cycle Competitive pricing Pro tip: Working with a local team makes maintenance and communication easier once you move in. Final Thoughts: Renting in State College as a First-Time Renter Finding your first student apartment near Penn State can feel overwhelming, but knowing what to expect helps you avoid costly mistakes. Start your search early, ask the right questions, and work with a trusted local property manager to find a place that fits your lifestyle and budget.
March 28, 2025
Smart, Stylish, and Stress-Free Guide To State College Apartments
March 14, 2024
As thousands of Penn State University students embark on the journey of finding their perfect State College apartment, the process can seem daunting, especially for those navigating this terrain for the first time. To shed light on this critical transition, we spoke with Matt Perkins, the General Manager at Nevins Real Estate Management in State College , who has been assisting students in finding their ideal apartment in State College for years. Establishing a Budget: The First Step "One of the most significant steps a student can take when entering the off-campus housing market is to establish a budget they're comfortable with," Perkins emphasizes. This initial step is crucial, especially for students who might have financial support from parents or guardians. "The State College apartment market caters to a broad spectrum of budgets. However, without a clear budget, students can quickly become overwhelmed by the options," Perkins says. This piece of advice serves as a cornerstone for students to begin their housing search on solid ground, ensuring they live within their means and avoid financial strain. Location and Price: A Balancing Act When selecting an off-campus apartment, Perkins recommends that students consider the location carefully. "The closer to campus you are, the higher the rent will be. If you're willing to take a bus or endure a longer walk, you might find more affordable options." This advice is vital for students to balance their desire for convenience with their financial realities, possibly leading to significant savings over time. Navigating the Application Process "The application process varies between management companies in State College," Perkins notes, advising students to contact management companies directly to fully understand application requirements. This proactive approach can smooth the path to securing an apartment, preventing last-minute hiccups that could jeopardize their housing plans. Lease Agreements: Read and Understand A critical aspect that Perkins highlights is the importance of thoroughly reading lease agreements. "Students often overlook key clauses. It's essential to understand what you're signing, as these clauses protect all parties involved." He underscores that lease terms are rarely negotiable, so understanding and accepting these terms before signing is paramount for a happy rental experience. Effective Communication with Landlords To address issues like maintenance requests, Perkins advises following the management company's set procedures. "In cases where your initial request isn't addressed promptly, don't hesitate to follow up," Perkins says. This approach ensures that concerns are dealt with efficiently, maintaining the quality of the living environment. Security Measures: Stay Alert Don't overlook the importance of security for students living off-campus. "Be aware of your surroundings," Perkins emphasizes. "Problems often arise from non-residents. Being cautious about who enters your apartment is crucial for your safety." This advice is a reminder of the shared responsibility in maintaining a secure living environment. Creating a Comfortable and Personalized Living Space Living off-campus offers a unique opportunity to create a space that reflects your personal style and meets your needs. Unlike the often restrictive rules of dorm living, off-campus apartments allow for greater freedom in decoration and customization. Embrace this opportunity to make your apartment feel like home. Invest in comfortable furniture, plants, and personal touches that inspire relaxation and productivity. However, always be mindful of your lease agreement's terms regarding modifications to ensure any changes you make are permissible. Engaging with the Community Living off-campus doesn't mean you have to be disconnected from the vibrant Penn State community. Take advantage of the numerous events, clubs, and activities on campus. Additionally, explore State College itself, which offers a variety of local shops, cafes, and community events. Engaging with both the university and local community can enhance your college experience, providing a well-rounded social life beyond academics. Managing Living Expenses One of the realities of off-campus living is the need to manage living expenses carefully. Utilities, groceries, and other monthly expenses can add up quickly if not monitored. Perkins suggests setting up a budget for these expenses and sticking to it. Consider using apps or spreadsheets to track your spending and identify areas where you can cut costs, such as opting for more energy-efficient appliances or cooking meals at home rather than eating out. Building a Supportive Living Environment For many students, living off-campus means having roommates. This arrangement can be a fantastic way to share expenses and create a supportive living environment. To ensure peace, it's crucial to establish clear communication and set shared expectations early on. Discuss topics like cleaning responsibilities, quiet hours, and guest policies to avoid misunderstandings. Remember, effective communication and compromise are key to a positive roommate relationship. Safety First Lastly, never underestimate the importance of safety in your off-campus living situation. Perkins's advice to be aware of your surroundings is especially pertinent here. Take proactive steps to ensure your State College apartment is secure, such as using proper lighting outside your apartment, not letting strangers into your building, and keeping your doors locked. Familiarize yourself with the local emergency services and campus resources available to you in case of an emergency. Living in an off-campus State College apartment presents an exciting opportunity to grow independently, create a personalized living space, and engage with the broader community. By applying the insights shared by Perkins and adopting a proactive and responsible approach to your living situation, you can make the most of your off-campus experience. Enjoy the freedom, embrace the responsibilities, and make lasting memories during your time in State College.
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