Travel Nurse Pay
Stipends and Housing
Housing is where travel pay gets real. A great stipend can vanish into rent, deposits, and commute costs. This guide helps you choose the housing path that protects your net pay and keeps your life stable.
Educational only. Not tax, legal, or financial advice. Verify terms in writing.
Three housing paths
There is no perfect option. Choose the one that matches your timeline, risk tolerance, and lifestyle.
Agency housing
Fast setup with fewer moving parts. Ask about deposits, cancellation terms, and what happens if the facility cancels shifts.
Take the stipend
Maximum control. You choose the place, the roommates, the commute. You also carry the risk of deposits and lease terms.
Hybrid approach
Short term housing first, then stabilize. This is common when you need speed but want control once you know the unit and schedule.
Housing reality check
Compare offers after housing. The real question is what you keep, not what the headline says.
Use the comparison worksheetWhat to confirm in writing
Housing and stipends are where surprise costs hide. Keep negotiations clean by requiring clear written terms.
- Stipend amounts and pay schedule (weekly or per pay period)
- Rules if you miss a shift or the facility cancels shifts
- Agency housing deposit and cancellation policy if applicable
- Parking costs, commute assumptions, and required on call
- Any reimbursement that depends on completion
Protect your take home
Use the checklist to catch missing housing terms, then compare outcomes with the worksheet.
Important Note
This content is educational and general. It does not replace advice from a qualified tax professional, legal professional, or financial professional. Always verify contract terms in writing and keep your own documentation.