Travel Nurse Housing: What You Really Get and How to Maximize Your Benefits

By Benjamin ClarkeLast Updated May 8, 2025

Understanding Travel Nurse Housing: Myths vs. Reality

Travel nursing offers flexibility, adventure, and attractive compensation packages, but one of the most common questions is whether travel nurses receive truly free housing. The answer is nuanced. Most travel nurse agencies provide either agency-arranged housing or a housing stipend . While the term ‘free housing’ is frequently used, it’s important to recognize that housing costs are bundled into the overall compensation package and are not an extra, no-strings-attached benefit. In reality, your pay is structured to account for the cost of accommodation, whether you take agency-arranged housing or opt for a stipend to find your own place [1] [2] [5] .

Agency-Provided Housing: How It Works

Many travel nurse agencies offer housing as part of their compensation package. This typically means the agency will arrange a furnished apartment or extended-stay accommodation close to your facility. Some companies, such as AMN Healthcare, specify that nurses may receive a private, furnished one-bedroom or studio apartment, with utilities sometimes included, though options and amenities vary by assignment and location. Requests for larger or more customized housing may incur additional fees [4] . The main advantages of agency housing include convenience, reduced hassle, and guaranteed proximity to your workplace.

However, there are trade-offs:

Limited choice : You are limited to properties and neighborhoods selected by the agency.
Potentially higher costs : The cost of agency-arranged housing is subtracted from your total compensation package; this can sometimes mean less take-home pay compared to the stipend option.
Variable amenities : Utilities and internet may not always be included, so it is important to confirm what is covered and what is not before you accept an assignment.

For example, if you request a two-bedroom apartment or a pet-friendly unit, expect possible deductions or extra fees from your pay. In high-demand locations, agencies may have better access to suitable rentals than you would on your own, which can be a significant benefit if housing is scarce or expensive [1] .

Housing Stipend: Freedom and Financial Opportunity

The second-and often preferred-option is the housing stipend . This is a tax-free allowance provided by the agency to help cover your rent and living expenses. The amount varies dramatically based on location, assignment duration, and local cost of living. Typical stipends can range from as low as $700 per month in rural areas to as much as $5,000 per month in expensive cities [3] . Agencies generally base stipend rates on the U.S. General Services Administration (GSA) per diem rates for the assignment location.

Choosing the stipend gives you control to find housing that matches your personal preferences-whether that means finding a more luxurious apartment, sharing a rental with another nurse, or selecting budget-friendly options to maximize your take-home pay. If your rent is less than the stipend, you keep the difference, which can add up to hundreds of dollars per month [1] . However, you are responsible for securing, paying for, and managing your own lease, utilities, and any other living expenses.

To qualify for a tax-free stipend, you must maintain a legitimate tax home and incur duplicate housing expenses. Consult a tax advisor if you are unsure about your tax status, as improper reporting can trigger IRS scrutiny [2] .

How to Find Housing as a Travel Nurse

If you elect to take the stipend, you have several resources at your disposal:

Furnished Finder : A platform specifically catering to travel nurses and professionals seeking short-term furnished rentals.
Airbnb and VRBO : These platforms offer a range of furnished rental options, from entire apartments to private rooms.
Extended-stay hotels : Many chain hotels offer discounted monthly rates and amenities like kitchenettes and laundry.
Facebook groups and online communities : Search for ‘travel nurse housing’ groups to find peer-vetted listings and advice.

Always conduct thorough research to avoid scams. Read reviews, confirm amenities, and communicate with landlords or property managers before signing any agreement [2] .

Budgeting and Maximizing Your Housing Benefit

Before accepting any assignment, ask your recruiter for the estimated housing stipend or the value of agency-arranged housing. Use this information to set a realistic budget. A practical tip is to aim for spending no more than one week’s paycheck on monthly rent. If your stipend is generous, consider sharing an apartment with another travel nurse or choosing a more affordable rental to maximize your savings [5] .

If you opt for agency-provided housing, clarify what is included-utilities, furnishings, internet, parking-and what costs you may incur out of pocket. If the agency will not provide details, request to speak with other nurses who have taken similar assignments to learn about their experiences and hidden costs.

For those who prefer full control over their accommodation, the housing stipend route provides flexibility but also risk. In expensive or highly competitive markets, finding suitable housing within your stipend may be challenging. In such cases, consider using an agency’s housing as a backup or negotiating for a higher stipend.

Step-by-Step: Accessing Housing as a Travel Nurse

Evaluate your options : When offered an assignment, ask your recruiter to outline both agency-provided housing and the housing stipend. Request detailed breakdowns of what is covered.
Assess your needs : Consider your personal preferences, family or pet requirements, and whether you want the convenience of agency housing or the flexibility of a stipend.
Research local costs : Search local rental listings or use GSA per diem rates to estimate what typical housing costs in your assignment area.
Make your choice : Decide which option (agency housing vs. stipend) aligns best with your goals and budget. If taking the stipend, start your housing search early.
Secure your housing : For agency housing, confirm all details in writing. For stipends, use reputable platforms and verify all lease terms before committing.
Track your expenses : Keep detailed records of your housing costs and receipts, especially if you are receiving a tax-free stipend and plan to claim deductions.

Potential Challenges and Solutions

Limited agency housing options: If you find agency choices too restrictive, request a housing stipend instead and search independently. Network with other travel nurses for leads on trusted landlords or roommate opportunities.

Stipend not covering local rents: In high-cost areas, your stipend may be insufficient. Consider negotiating with your recruiter for a higher allowance, or look into shared accommodations to reduce individual expense.

Short-term lease difficulties: Many landlords prefer longer leases, so be upfront about your assignment length. Use platforms like Furnished Finder or target extended-stay hotels that cater to short-term professionals.

Tax complications: If you’re unsure about your tax home status or how to report your stipend, seek guidance from a tax professional with experience in travel healthcare contracts.

Alternatives and Special Considerations

If neither agency housing nor the stipend option suits your needs, discuss possible custom arrangements with your recruiter. Some agencies may work with you to find pet-friendly housing, accommodate family members, or offer hotel stays in areas with few rental options. For unique needs, request references from previous nurses who have accepted similar accommodations.

Summary: Key Takeaways

Travel nurses rarely receive truly free housing . Instead, housing is provided as a component of overall compensation-either as agency-arranged accommodation or a tax-free stipend. Each option has benefits and drawbacks, and your best choice depends on your personal situation, assignment location, and financial goals. To access and maximize your housing benefit:

Request detailed information from your agency or recruiter about all available housing options.
Review every contract carefully, including what is covered and what is not.
Use reputable housing platforms and peer networks for independent searches.
Consult tax professionals for guidance on stipend eligibility and reporting.

By understanding the realities of travel nurse housing, you can make smart, informed choices and take full advantage of this unique career path.