Quick Answer
UR (Urban Renaissance Agency) housing eliminates four major rental costs: no key money, no agent fee, no guarantor fee, and no renewal fee. Foreigners with a valid visa and sufficient income can apply directly. The catch: income requirements are strict, and many buildings are in suburban locations.
Why UR Is Ideal for Foreign Residents
UR Housing (officially the Urban Renaissance Agency / 独立行政法人都市再生機構) is a semi-governmental organization managing approximately 710,000 rental units across Japan. For foreigners, UR eliminates the most frustrating barriers to renting:
UR vs Private Rental: Cost Comparison
| Cost Item | UR Housing | Private Rental |
|---|---|---|
| Security Deposit | 2 months | 1-2 months |
| Key Money | ¥0 | 0-2 months |
| Agent Fee | ¥0 | 0.5-1 month |
| Guarantor Fee | ¥0 | 50-100% of 1 mo |
| Renewal Fee (every 2 yrs) | ¥0 | 1 month |
| Upfront Total (¥100K rent) | ~¥300,000 | ~¥500,000 |
Income Requirements
UR requires proof of stable income. You are generally expected to meet one of these criteria:
- Monthly income ≥ 4× the rent (e.g., ¥400,000/month income for ¥100,000/month rent)
- Savings ≥ 100× the monthly rent (e.g., ¥10,000,000 for ¥100,000 rent)
- Average monthly income of the applicant and co-resident family members ≥ 4× the rent
Application Process
The Downsides of UR Housing
- Many buildings are older (built 1960s-1980s) and in suburban locations
- Income requirements can be difficult for part-time workers or students
- Popular units go quickly — first-come, first-served for most properties
- Some units may need self-renovation (UR offers DIY-friendly units)
⚠️ Disclaimer
UR policies and availability change. Visit ur-net.go.jp or a UR sales office for the latest information and eligibility requirements.
Last updated: April 2026.
