Dean of Student Affairs

Off-Campus Housing: Budget and Expenses

Contact Us

For further information, contact:

The Dean of Student Affairs Office
Bard College
PO Box 5000
Annandale-on-Hudson, NY 12504

Phone: 845-758-7454
E-mail: dosa@bard.edu

Creating a Budget

Students should understand that there are often hidden and unexpected costs associated with living off campus. Creating a budget for yourself is a critical part of living off-campus. You may want to create a budget worksheet for yourself using some of the following questions as a guide.


Questions to Ask Yourself:

  • If I receive financial aid, what happens when I move off campus?
  • How much does an apartment cost?
  • What are some of the additional expenses that I should consider?
  • What were the previous tenant's utility bills? Off-campus housing is often located in older buildings and heating costs can surprise students who have not budgeted for them.
  • Can I afford to go away for spring break?
  • How much do I spend on eating out?
  • How much do I spend on transportation costs or a private vehicle and gas?


Questions to Ask Your Prospective Landlord:

  • What is the monthly rent? When, where, and how is it to be paid?
  • How much is the security deposit and what is the deposit used for? (Cleaning, security, or pets?) Is it refundable?
  • Are utilities (heat, hot water, electricity, gas, trash) included in the monthly rental payment?
  • In the villages of Tivoli and Red Hook, garbage is collected on Mondays. Check with your landlord about how to properly dispose of your garbage and recycling.
  • Are pets allowed? If yes, what kind? Is there an additional security deposit or fee associated with pets?
  • Who is responsible for maintenance and repair costs? Who is responsible for snow removal?
  • Voice any special concerns, such as ability to sublet or add extra people to the lease. (Is there an additional charge?)

Do Your Research:

  • Check with New York State Electric and Gas (NYSEG) at 800-572-1111 to see what the cost of utilities were over the past year.
  • Examine the amount of parking available in your new neighborhood. Be sure you are aware of the on-street parking regulations which you are expected to abide by, and check to see if there are any associated fees or costs.