The brown-banded cockroach has a fairly wide distribution, being found in the northeastern, southern, and midwest regions of the United States quite commonly. They are one of the most recent alien cockroaches to form breeding colonies in Britain and Ireland. They need less moisture than the German cockroach so they tend to be more broadly distributed in the home, such as in living rooms and bedrooms. They can often be found in homes and apartments, but are less common in commercial establishments like restaurants. They are usually only found at night. Both males and females are quite active; adult males fly readily when disturbed.

The brown-banded cockroach prefers warm and dry locations, such as near refrigerator motor housings, on the upper walls of cabinets, and inside pantries, closets, dressers, and furniture in general. They can also be found behind picture frames and beneath tables and chairs, and inside clocks, radios, light switch plates, doorframes, and dressers. It is common to find them hiding nearer the ceiling than the floor and away from water sources.

The brown-banded cockroach eats a wide variety of items. Cockroaches are usually scavengers, and thus can eat a wide array of items, often almost anything organic, including decaying matter. It has been known to cause problems in hospitals by emerging at night to feed on bodily fluids, thereby risking cross-infection.

The brown-branded cockroach has been reported to spread at least 33 kinds of bacteria, six kinds of parasitic worms and at least seven other kinds of human pathogens. They can pick up germs on the spines of their legs and bodies as they crawl through decaying matter or sewage and then carry these into food or onto food surfaces. Recent medical studies have shown that cockroach allergens cause allergies and exacerbate asthma attacks, especially in children, and brown-banded cockroaches have been linked to these allergies.