Locum Tenens Housing Guide 2026 — Stipends & Furnished Rentals

Quick Answer

Most locum agencies offer either agency-arranged housing or a tax-free monthly housing stipend. The stipend is almost always the better financial choice: if your agency offers $3,000/month and you secure a furnished apartment for $1,800, you keep the $1,200 difference tax-free. Use Furnished Finder for 30+ day rentals — hosts understand healthcare worker schedules and typically offer lower monthly rates than Airbnb. Stipends are only tax-free if you maintain a primary residence (tax home) while working away.

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Housing quality determines whether a locum assignment is sustainable or miserable. This guide covers how to find great temporary housing, negotiate stipends, profit from the difference, and avoid the most common pitfalls before you arrive.

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For physicians considering or actively working locum tenens assignments. Independent — no agency affiliation. Content is for informational purposes only; not legal, tax, medical, or career advice — consult qualified professionals.

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