Signing a lease is one of the most important steps in renting a home. In Chicago, a lease is more than just a piece of paper—it’s a legally binding contract that defines your rights and responsibilities as a tenant and those of your landlord. Unfortunately, many renters overlook critical details in their lease agreements, which can lead to disputes, financial loss, or even eviction.
The Chicago Residential Landlord and Tenant Ordinance (RLTO) offers specific protections to renters, but leases must comply with these rules. Taking the time to carefully review your lease can prevent misunderstandings and help you feel confident in your decision. Below, we’ve identified the top five things renters should look for in a lease, along with practical strategies to address them.
1. Rent Details and Payment Terms
Rent is one of the most fundamental parts of a lease, but it’s also an area where misunderstandings commonly arise. The lease should clearly state the monthly rent amount, when it’s due, and how it must be paid (e.g., online payment, check, or bank transfer). Ambiguity in these terms can lead to disputes, especially when landlords impose late fees or increase rent unexpectedly.
What to Look For
- Ensure the lease specifies the exact amount of rent and any grace period for late payments.
- Look for details about additional fees, such as charges for pets, parking, or utilities.
Strategy
Negotiate clarity on terms like “market rent” or “subject to change,” as these phrases could allow for sudden rent increases. While Chicago doesn’t have rent control, you can request a cap on rent increases if you plan to renew the lease. For detailed guidance, consult the City of Chicago’s Tenant Rights Guide.
2. Security Deposit Terms
Security deposits are often a source of contention between renters and landlords. Under the RLTO, landlords must follow strict rules regarding how deposits are handled, including providing written receipts, keeping the deposit in a separate interest-bearing account, and returning it within 45 days of move-out with an itemized list of deductions, if any.
What to Look For
- Verify that the lease complies with RLTO requirements.
- Look for specifics about how and when the deposit will be returned.
Strategy
Document the condition of the rental unit before moving in by taking photos or videos. These records can help you dispute any unfair deductions later. For a deeper understanding of deposit-related laws, visit the Chicago RLTO Guide.
3. Maintenance and Repairs
Tenants often assume that landlords will handle all repairs, but leases may impose certain maintenance responsibilities on renters. Chicago landlords must meet minimum habitability standards under the RLTO, including providing working plumbing, heating, and electricity.
What to Look For
- Check for clauses that outline who is responsible for maintenance tasks like replacing lightbulbs or cleaning gutters.
- Understand the process for requesting repairs and the timeframe for landlord response.
Strategy
If the property has existing issues (e.g., a leaky faucet or broken heating), request repairs before moving in and document agreements in writing. In cases where landlords fail to address habitability concerns, Chicago tenants may have the right to withhold rent or make repairs and deduct the costs.
4. Subleasing and Early Termination Policies
Life changes—whether it’s a new job, a family emergency, or a move—can lead tenants to break a lease early. While the RLTO generally allows subleasing unless prohibited, the lease should clearly outline the process and penalties for early termination.
What to Look For
- Review any restrictions on subleasing or early termination.
- Look for language that specifies penalties, such as forfeiting your security deposit.
Strategy
Negotiate more flexible terms upfront, like a shorter notice period or reduced penalties for early termination. If subleasing is allowed, request a streamlined approval process from the landlord.
5. Rules and Restrictions
Many leases contain clauses about pets, smoking, noise levels, and parking. Restrictions may also apply to long-term guests or making changes to the unit, such as painting or hanging shelves.
What to Look For
- Review any rules about pets, parking, and decorating to ensure they align with your lifestyle.
- Check for vague terms that could be misinterpreted, such as “excessive noise.”
Strategy
Clarify any unclear language and request exceptions for specific needs, such as owning a pet or parking multiple cars. Make sure all agreements are included in writing to avoid disputes later.
Suggested Resources for Tenants
- Chicago RLTO Overview: City of Chicago Tenant Rights
By taking these steps, you can ensure your lease complies with Chicago law and protects your rights as a renter. If you’re unsure about any part of your lease, consult Tenants Rights Group for guidance.