Student Rentals in Montreal: A Campus or a Furnished Apartment?

Every year, some 180,000 students, more than 40,000 of them international students, come to study in Montréal. One of the first major decisions they'll have to make when starting the new school year is where they will stay. With so many of the students looking for apartments at once, the competition can be tough. But it's worth the effort to find good student housing since you'll likely spend a lot of time in your new home. Location, comfort, and flexibility are all factors to consider.

Most students will opt for one of two types of student accommodation in Montreal: residing in a dorm at the university (on campus) or renting furnished student apartments. Both have their advantages and disadvantages. This article will assist you in comparing both options and answer the main question: Is it better to live on campus or off?

Overview of Student Housing in Montreal

Students move to Montreal due to the presence of universities like McGill, Concordia, and the Université de Montréal, which admit thousands of domestic and foreign students annually. Due to this, the city provides a variety of types of housing intended for student living.

These are the two most typical choices of accommodation in Montreal for students:

University Residences (Campus Housing or Halls)

These are dorm-type building facilities owned and operated by universities. They house students in single or shared accommodations, sharing common kitchen, bathroom, or lounge facilities. Meal or cleaning services are included in some of the accommodations. They are typically situated on or close to the campus and are generally available to first-year and overseas students.

Off-Campus Housing in Furnished Student Apartments in Montreal

These are standard apartments available fully furnished — bed, table, kitchen utensils, and so on. They are move-in ready. Furnished apartments are a versatile choice. Some students rent them individually, others with roommates, in order to reduce the cost. This arrangement provides seclusion, comfort, and greater control over one's life in comparison to the dorms.

Pros and Cons of Living on Campus​

University dorms, also referred to as dorms or campus housing, are the rooms or shared accommodations offered by the institution. They are usually situated near the central campus facilities.

Advantages of University Housing in Montreal

One of the benefits is the ease of being able to attend class. It's not necessary to go far to reach class. Most dorms even provide cleaning, internet, and study or lounge areas in common use. Some have meal plans as well.

Living on campus will also bring you many new friendships. By being surrounded by students constantly, you will find it more natural to attend events, study sessions, and student organizations.

Disadvantages of Campus Housing

The rooms tend to be small in size. Sharing a bathroom or kitchen might even be necessary with other people. There are also regulations to abide by — quiet hours, guest policies, or even a curfew, perhaps. This is too restrictive for some students.

In addition, not everyone is able to secure a place in residence. Places are reserved, and priority is usually given to first-year or international students.

Furnished Student Apartments Montreal: Pros and Cons

Furnished student apartments for rent in Montreal are regular flats that come with furniture, kitchenware, and basic living items. You don’t need to buy a bed, table, or dishes — it’s all ready when you move in.

Advantages of Living Off Campus​ in Furnished Apartments

This is great for students who are new to the city and don’t want to worry about setting up a home from scratch. It saves time and stress.

A furnished apartment gives you more privacy and independence. You can choose your location, live alone or with roommates, and create your own routine. It’s also quieter, which many students prefer for studying.

Disadvantages of Furnished Apartments

Renting an apartment means more responsibility. You usually have to sign a lease, pay a security deposit, and set up your own internet or electricity. If something breaks, you must contact the landlord. You may also need to manage bills separately.

And while you have more freedom, you don’t get the built-in student community like in a residence. You may need to put more effort into meeting people.

Is it Cheaper to Live On Campus or Off in a Furnished Apartment?

Price is often a big factor when choosing where to live. Let’s look at the costs for each option.

Campus housing usually has a fixed price that covers everything — room, electricity, internet, and sometimes meals. For example, at McGill or Concordia, student residences may cost between 800 and 1,200 CAD per month, depending on the type of room and services included.

Montreal off-campus housing has a wider price range. The studios or furnished apartments for rent in Montreal can start around CAD1,000 per month. Shared apartments can be cheaper per person, especially with roommates. But don’t forget about extra costs:

• Utilities (electricity, water, heat): 50–150 CAD/month

• Internet: 50–80 CAD/month

• Tenant insurance: around 20–30 CAD/month

Also, most landlords ask for a security deposit. This is usually equal to one month’s rent and is paid before moving in.

So, while campus housing gives a predictable monthly cost, furnished apartments might seem more expensive at first but can offer better value in the long run — especially if shared or found in the right area.

Tips for Making the Right Choice

Here are a few things to think about when making your decision:

• Budget: How much can you afford monthly, including bills and groceries?

• Location: Do you want to live right next to campus or explore other areas of Montreal?

• Social life: Do you want a community built around your school or prefer more privacy?

• Independence: Are you ready to manage your own bills, groceries, and responsibilities?

• Length of stay: Will you be in Montreal for a semester, a year, or longer? Furnished apartments are flexible, while some residences ask for a full academic year.

Also, start looking early. Housing fills up quickly in Montreal, especially in summer before the school year begins. If you decide on a furnished apartment, check if the company offers short-term or flexible leases — that’s helpful for students who want to try it first.

Make sure to read the lease carefully before signing. Ask questions if something is unclear. And always visit the place (or ask for a video tour) before paying any money.

Finding What Fits You

Montreal is a fantastic place to study. Whether you choose the types of accommodation, both can offer a great student experience.

Campus residences are great for staying close to school and making new friends quickly. They’re simple and structured, which many new students find helpful.

Furnished apartments offer more freedom, privacy, and space. They’re a good choice for students who want independence or who plan to stay in Montreal longer.

There’s no single answer that works for everyone. On campus vs off campus housing? It depends on your budget, lifestyle, and personal needs. Take your time, weigh your options, and don’t rush. Finding the right home can make your time in Montreal even better.