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Guide to Student Accommodation in USA for Indian Students | KGC

Dr. Karan GuptaDecember 28, 2025
Guide to find student accommodation in U...
Dr. Karan Gupta
Expert InsightbyDr. Karan Gupta

Dr. Karan Gupta is a Harvard Business School alumnus and career counsellor with 27+ years of experience and 160,000+ students guided. His insights on general come from decades of hands-on experience helping students achieve their goals.

Types of Student Accommodation in USA for Indian Students

  • On-Campus Housing (Dormitories, Residence Halls)

  • Off-Campus Housing (Apartments, Shared Housing)

  • Homestays (Living with a local family)

  • Private Student Housing (Purpose-built student accommodations)

Cost for Indian Student Accommodation in USA

Types Average Cost (per month)
On-Campus Housing $800 - $1,500
Off-Campus Apartments $700 - $2,000
Shared Housing $500 - $1,200
Homestay $600 - $1,000
Private Student Housing $1,000 - $2,500

Living on Campus in USA

  • On-campus housing is provided by universities and offers convenience, security, and access to campus facilities.

  • Includes residence halls, dormitories, and meal plans.

  • Ideal for first-year students as it helps them adapt to university life and make friends.

University Average Cost (Per Year in USD) Average Cost (Per Year in INR)
Harvard University $11,000 - $13,000 ₹9,00,000 - ₹10,50,000
University of California $12,000 - $15,000 ₹9,80,000 - ₹12,20,000
New York University $14,000 - $18,000 ₹11,50,000 - ₹14,80,000
University of Texas $9,000 - $12,000 ₹7,40,000 - ₹9,80,000
   

How to Apply for an On-Campus Accommodation as an Indian Student?

  1. Check university websites for accommodation options.

  2. Understand application deadlines and procedures.

  3. Submit an online application through the university portal.

  4. Pay the deposit and confirm your room.

  5. Receive your housing confirmation before arrival.

Living Off-Campus in USA

  • Off-campus housing includes rented apartments, shared accommodations, or homestays.

  • Provides greater independence but requires managing rent, utilities, and transportation.

  • Costs vary based on location, size, and amenities.

University Average Cost (Per Year in USD) Average Cost (Per Year in INR)
Harvard University $11,000 - $13,000 ₹9,00,000 - ₹10,50,000
University of California $12,000 - $15,000 ₹9,80,000 - ₹12,20,000
New York University $14,000 - $18,000 ₹11,50,000 - ₹14,80,000
University of Texas $9,000 - $12,000 ₹7,40,000 - ₹9,80,000

Pros and Cons of Both On-Campus and Off-Campus Student Housing

Pros of On-Campus Accommodation:

  • Close to university and academic resources.

  • Fixed cost covering rent, utilities, and meals.

  • Social and networking opportunities.

Cons of On-Campus Accommodation:

  • Limited privacy and strict rules.

  • Higher costs compared to shared off-campus housing.

  • Limited availability.

Pros of Off-Campus Accommodation:

  • Greater independence and flexibility.

  • More housing options based on budget.

  • Can be cheaper when shared with roommates.

Cons of Off-Campus Accommodation:

  • Additional responsibilities like paying rent, utilities, and managing food.

  • Distance from campus requires commuting.

  • May require leasing commitments.

Cost of Food and Groceries in USA

Expense Average Cost (Per Month in USD)

Average Cost (Per Month in INR)

Groceries $250 - $400 ₹20,400 - ₹32,700
Dining Out $100 - $300 ₹8,200 - ₹24,500

Meal Plans (On-Campus)

$250 - $600 ₹20,400 - ₹49,000

Tips to Find Suitable Accommodation in the USA as a Student

  1. Start searching early to secure the best options.

  2. Compare on-campus and off-campus options based on your budget.

  3. Consider proximity to the university and public transportation.

  4. Check online platforms like Craigslist, Zillow, and university housing portals.

  5. Connect with current students for housing recommendations.

  6. Verify lease agreements and hidden costs before signing.

FAQs

  1. What is the best option for student housing in the USA?

    • On-campus housing is best for first-year students, while off-campus apartments offer flexibility for later years.

  2. How much does student housing cost in the USA?

    • On-campus housing costs between $800 - $1,500 per month, while off-campus housing varies from $700 - $2,500 per month.

  3. Can international students work to cover housing costs?

    • Yes, students on an F-1 visa can work on-campus for up to 20 hours per week to help cover expenses.

  4. Is off-campus housing cheaper than on-campus housing?

    • It depends on the city and accommodation type. Shared apartments off-campus are often cheaper than on-campus dorms.

  5. How early should I apply for student housing in the USA?

    • Apply for on-campus housing as soon as university applications open, usually 6-12 months before the semester starts.

Why Choose Karan Gupta Consulting?

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  • 160,000+ students successfully counselled
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Dr. Karan Gupta

Dr. Karan Gupta

Harvard Alumnus | Career Counsellor

With 27+ years of experience, Dr. Karan Gupta has helped 160,000+ students achieve their study abroad dreams at top universities worldwide.

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