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In Fort Montgomery, 41% of the residents are renting compared to 59% owning a home, according to data from the U.S. Census Bureau. Large-scale apartment buildings with more than 50 units represent none of Fort Montgomery's rentals, 19% are small-scale complexes with under 50 units, and 61% are single-family rentals.

The average age of rental buildings in Fort Montgomery is 39 years old, with none being newer apartment buildings completed since 2000. The average height of apartment buildings in the city is 2 stories, of which all are garden-style apartment communities, none are mid-sized buildings, and none are high-rises. These characteristics describe large-scale apartment communities of 50 apartments or more.

Rental apartments in Fort Montgomery come in a range of sizes and floorplans. Studio apartments represent 0% of units for rent, ideal for singles, renters on a budget and people who value central locations more than space. Rentals with 1-bedroom floorplans make up 80% of the total apartments in the city, while 2-bedroom floorplans represent around 20% of all rentals in Fort Montgomery. The rest are larger floorplans with 3 bedrooms or more, typically preferred by families, larger households or roommates sharing space.