Month: September 2024

Apache is functioning normally

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. In this episode:

Learn how to make compassionate, informed decisions for your pet’s end-of-life care, balancing costs, emotions, and love.

How can you plan for end of life care for your pet? Hosts Sean Pyles and Ronita Choudhuri-Wade discuss the emotional and financial challenges of pet end-of-life care and the importance of early decision-making to help you understand how to make compassionate and practical choices that are realistic for your financial situation. They begin with a discussion of the gut-wrenching reality of limited pet lifespans, with tips and tricks on preparing for end-of-life care, weighing treatment costs against quality of life, and ensuring pets do not suffer needlessly.

Dr. Fiona McCord, founder of Compassionate Care Vet Services, then joins Ronita to discuss the complexities of end-of-life care decision-making. They discuss the importance of early planning, balancing love and practicality in pet care, and resources for grief support. Through touching stories and practical advice, Dr. McCord emphasizes the necessity of preparing for the financial and emotional aspects of pet end-of-life care, helping pet owners navigate these challenging times with compassion and foresight.

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Episode transcript

This transcript was generated from podcast audio by an AI tool.

Sean Pyles:

It’s inevitable. We know it’s coming. Our pets are only with us for what seems like a short period of time, then they go off across the Rainbow Bridge. And one of the hardest decisions that we have to make is how to put a price on keeping them alive for even just one more day.

Dr. Fiona McCord:

What I want and what I want a client to see is that they have a pet who experiences the best possible quality of life for as long as possible. But when that quality falls lower, or we know that that quality is going to slip, or a crisis may occur, then that we make the right decisions to make sure they get to leave this earth, as I said, no stress, no discomfort, no pain, in the arms of their owner, or eating a cheeseburger.

Sean Pyles:

Welcome to NerdWallet’s Smart Money podcast. I’m Sean Pyles.

Ronita Choudhuri-Wade:

And I’m Ronita Choudhuri-Wade.

Sean Pyles:

This is the final episode of our Nerdy deep dive into the cost of pet care. Ronita, this is such a hard topic, I almost don’t want to deal with it. I know I have limited years with Ozzy and Argus and Pepper, although I’m pretty sure Ozzy, the gecko, is going to live to 100 in human years, only 88 more years to go. But in all seriousness, I know at some point I’m going to have to make these decisions about helping them into the great animal hereafter, and I know it’s very likely that money will have to factor into that decision.

Ronita Choudhuri-Wade:

Yeah. When I think about Moe and how vibrant he is now, just a few years old, it’s hard to imagine that moment, that time when we have to consider letting him go, either because of old age or infirmity or some sort of health issue. He still acts like such a happy little puppy dude, but I know it’s coming. I just hope it’s way, way far away, and that we have a chance to do a proper goodbye when the time comes.

Sean Pyles:

Yeah. When I see older dogs out on the street with great whiskers and wizened with age, taking a slow easy walk with their pet parents, I wonder what it’s going to be like with Pepper. But it’s not something that I dwell on all the time, nor should it be, but it is a good idea to have some sort of sense of what you’ll be willing to do for them when they reach the end of their lifespan.

Ronita Choudhuri-Wade:

Yeah. And you just don’t know when those kinds of decisions are going to knock on your door. If they’re in an accident, you might have to make them at an early age. If they get cancer, same, or any illness. We talked in the last episode about how to prepare for the financial aspects of a trip to the emergency vet. Today, we’re going on to the next step of preparing for the eventuality of a pet’s death.

Sean Pyles:

Because depending on the circumstance, you could be faced with a decision over how much money you’re willing to spend to extend that life, and how much pain and suffering you’re willing to ask of them so they can keep you company a few months, weeks, days, or even hours more. It’s a wrenching dilemma and one that is almost impossible to predict, but that doesn’t mean that it’s impossible to plan for.

Ronita Choudhuri-Wade:

Yes, and that’s what we’re exploring today. As you’ve said, how do we put a price on the life of our pets? What are we willing to spend to keep them alive? Are we willing to pay for modern surgeries? Do we pay for chemotherapy and other medicines? How do we know when paying to extend their lives is more for us than it is for them? It’s a lot of questions. How do we set limits, if at all? We’ll try to get some answers.

Sean Pyles:

All right. Well, listeners, we’ve been talking about our pets for the past four episodes, and now we want to hear your stories about your pets and what it takes to keep them in kibble. What are you sacrificing in your budget to have an animal? Have you had a household discussion about what you’re willing to spend on their end-of-life care? Leave us a voicemail or text the Nerd hotline at 901-730-6373. That’s 901-730-NERD, or email a voice memo to [email protected]. All right, Ronita, who are we hearing from today?

Ronita Choudhuri-Wade:

So today’s guest is Dr. Fiona McCord. She’s been practicing veterinary medicine in the Dallas area for more than 30 years. She’s also the founder of Compassionate Care Vet Services, which provides end-of-life coaching and in-home euthanasia. We’re going to have the tough talk in the hopes that it provides some comfort and direction for pet owners out there.

Sean Pyles:

That’s coming up in a moment. Stay with us.

Ronita Choudhuri-Wade:

Hi, Dr. McCord. Thanks for joining us today on Smart Money.

Dr. Fiona McCord:

Well, you’re very welcome. I am more than happy to talk about this subject. I love it, and we don’t talk about it nearly enough.

Ronita Choudhuri-Wade:

I absolutely agree. Do you have any pets?

Dr. Fiona McCord:

I do, but I currently have one dog. Two weeks ago, I had two dogs. So this conversation is very personal as well as professional, because I lost my wonderful lady on the 4th of July, which is Independence Day, which is kind of perfect, because she was Miss Independence. Her name was Dixie Belle, but we called her Dixie Hell. So that should tell you everything you need to know.

Ronita Choudhuri-Wade:

Oh, but I’m so sorry. Such a loss.

Dr. Fiona McCord:

It is. It’s an absolute life changer and a heartbreaker every time.

Ronita Choudhuri-Wade:

Yeah. And, I mean, when I think about my dog Moe and him not being around, I mean, I feel like I mentally can’t even get there, let alone attach a price tag to the whole process of losing a pet. Many of our listeners would have maybe been through this process, as you’re going through it too. But for those who haven’t, what are some of the issues that come up for pet parents?

Dr. Fiona McCord:

Well, let me say one thing first, and that is simply because I know the subject matter here has dollar signs, and I just want to make sure everybody understands that do not ever equate those dollars that you have the ability to spend with your ability to give your pet the very best, most awesome life and end of life. That’s just a given. There are so many things that play into this.

But, I mean, our pets become such an integral part of our lives, and the bond that we develop with them is something that you truly cannot explain to someone who has not experienced it. And having created that bond, when we get to that stage in their lives that we are facing the end, it overloads very often. It’s an area of time in their lives where we have opportunities to stand up and do things for them, but it’s a heartbreaker at the same time, and dollars do play into it.

Ronita Choudhuri-Wade:

The kind of love that human beings can share with animals is really something else, and they provide so much joy. No matter what kind of day you’re having, they’re always so happy to see you. But when we’re talking about end-of-life issues, and while finances aren’t all important, where do finances come into that discussion? I wonder if you might have some stories about people who have had to decide not to spend, say, thousands of dollars to keep their pet alive just to have a few more weeks with them.

Dr. Fiona McCord:

One of the things I would say in any of this decision-making that we find ourselves in is to start early, which I know sounds kind of weird. But as soon as you start realizing that you’re getting to that end-of-life phase, then it’s getting all that information and making decisions before you’re overwhelmed with emotion, because sometimes once we get sucked into this end of life, we tend to just feel like we’re on a train and you can’t get off it and you can’t change it.

I had a lady who called me on a Friday, and we were talking about in-home euthanasia and letting her kitty leave this earth in the most gentle way we possibly could. But she was scheduled on the Monday for a scan. I think it was an MRI. I can’t remember exactly what it was. But her kitty was scheduled for a $3,000 procedure on Monday morning, and she was stressed, not necessarily about the money, but about the stress for the cat, what was this going to feel like, and all of that.

So when I talked her through this, and this was a kitty who had a neurological issue, and so the question was kind of, “Do we have a brain tumor? Do we have some other kind of brain lesion?” And this test was going to maybe give us an answer. But as I talked with her, I said, “You know what? So we do this test, and this kitty has a brain tumor. What are we going to do?” And the answer was euthanasia.

If we do this test and this kitty doesn’t have a brain tumor, it’s an old cat, by the way, what are we going to do? Euthanasia. Then why are we dragging a kitty into a vet to go through a test and spend $3,000 if what you’re going to ultimately do and what the cat is going to experience may actually be worse going down the spend $3,000 route than the other?

So I think all of our decisions coming down through this have to be, what do we want for this pet? What can we fix? What can we not fix? What can we control? What can we not control? Now, how do we, within our resources, money included, give this animal the very best life, but also, and this may sound like a weird thing to say, but given that I do this, a beautiful death?

And that’s what I want for my animals. I don’t believe with my pets, it’s my job to give them the longest possible life. I believe it is my job to give them the best possible life. And when that body fails, whether it is disease or it is age decline, whatever it is, is to make sure that they get to leave this earth in the gentlest, most loving manner within, again, the resources I have and what I believe is okay for my pet and my worldview. And that’s where the decision process takes us.

So that’s just an example of, we could have spent $3,000, it wasn’t going to impact anything, but why? What was the kitty going to get out of it? What were we going to get out of it? And was that really the most rational, reasonable, and loving choice?

Ronita Choudhuri-Wade:

So you do end-of-life consulting for pet parents, as you’ve mentioned. What do those conversations sound like? How do you start those conversations?

Dr. Fiona McCord:

Well, these conversations start with listening and asking, because a lot of these decisions are very personal. We have to figure out what is going on with that pet. What does a client understand or know about what is going on with the pet? But then also, what do we anticipate and expect to happen down this path if we do something, if we don’t do something? What does that client want for this pet? What matters the most to this client for this pet?

Well, what I want and what I want a client to see is that they have a pet who experiences the best possible quality of life for as long as possible. But when that quality falls lower, or we know that that quality is going to slip, or a crisis may occur, then that we make the right decisions to make sure they get to leave this earth, as I said, no stress, no discomfort, no pain, in the arms of their owner, or eating a cheeseburger.

Ronita Choudhuri-Wade:

This conversation has me thinking about when my childhood dog passed away. And I look back, I was maybe in my late teens, when Snowy did pass away, and I saw that one thing that my family struggled with is knowing when the pet’s reached a stage to start thinking about these things. I would just like to get your take on, how do you know when your pets reach the stage?

Dr. Fiona McCord:

So I would say that you start thinking about it and addressing it as soon as you start seeing some signs. And the two classic places, one is when a client gets a terminal diagnosis, which is a very sudden onset, and that should be the start to think about it regardless of where we go down that path. But some people, that’s where this will start, terminal diagnosis.

For others, it’s a much more gradual awareness as either aging or chronic disease starts causing a decline that we start recognizing in our pets. So either of those places, it’s time to start thinking. If I have an animal that has a diagnosis that I know I can’t fix, I know all I can do is manage it. I might be able to make this animal feel a little bit better for a little bit longer. As soon as I’m in there, I’m in that window.

And that is where it becomes that very personal one of how far down this path do we go and what is okay down this path for my pet in my home, because the competing piece here is that while I want as long as possible, provided quality is good, what I also don’t want is the crisis last day. I don’t want ever anybody picking their dog up and going to an emergency room in the middle of the night. I don’t want anybody with me on one end of the phone hearing the dog screaming in the back, saying, “I need to euthanize my dog now.”

So sometimes the balance becomes, “I will trade off a little bit of time, maybe, to make sure that this dog never hits that point, and that this dog’s last day really is at home, being loved on, eating a burger, if that makes them happy.” Whatever it takes to have made decisions that when you look back, you have the fewest possible regrets is a goal in everything that we do as end-of-life providers.

Ronita Choudhuri-Wade:

Right. And if we look specifically at that planning side of it, could you share some advice on financial considerations that pet owners would have to consider?

Dr. Fiona McCord:

The use of dollars for medical care for your pet or end of life is like any other use of dollars. It’s, “What do I have? What are my priorities? And how do I do what I want to do?” So other than insurance, which is certainly going to cover some, everything else is still your dollars, and it’s just how do those dollars flow from you to the provider of care?

So part of that is, that decision-making is huge. What do I want? How do I get this best? And maybe I can’t do all of these things, but what can I do? Because sometimes we think that if we are sitting in a vet’s office and they tell us it’s going to be X, Y, or Z, to do chemo or do whatever, we go, “Oh, well, we can’t afford it,” or maybe we’ve done all that and we make a statement like, “There’s nothing else we can do.”

I would argue that there is something else you can do. You can make that animal as comfortable as possible. So that ahead-of-time thinking about what matters to me at the end of my pet’s life, so now I can decide how do I distribute my resources to make sure I get them that. It may not be chemo and surgery and $50,000. I have a person I’m talking to right now who is afraid to get a pet, because she’s afraid she won’t have enough money for all the medical care she’ll need to get that pet.

That is awful. It’s not about dollars in medical care. There is a certain amount we have to do, but we’ve got to pull back and understand what we really want to give this pet, and that it’s okay not to have the $50,000 to do the surgery and the chemo and whatever else.

Ronita Choudhuri-Wade:

So what are some options that pet owners might have for end-of-life care? Can you walk us through that? And then we can also look into how does hospice care work, et cetera.

Dr. Fiona McCord:

You’re likely to have a regular vet. So you’re likely to have gone through general medical care through the course of this dog’s life. At some point, you get your diagnosis or you have an issue that you need to look at. Anywhere down this path, it is almost always okay to say, “I don’t want my pet to experience this negative” whatever it is. And euthanasia is the thing that we have that allows us to prevent any discomfort whatsoever.

So that is there, but we’re still coming into it with, “I want as long as possible, provided quality is best.” And really, the regular vet can provide almost everything, because I used to… When I started this practice, I did actual hospice, which is going to be where I’m going to come into this situation with a client and a pet, and all of them are my focus of care.

I’m looking now at the family, at the environment. I’m going into the home. So I’m able to go in and say, “Well, I know what’s going to make things harder for this pet or not,” because a lot of end-of-life stuff is not dollars. It’s managing the situation. So our dogs that are… mobility issues, can’t get up anymore. Well, you know what? We’ve put some runners down. This dog will be able to get up, but he can’t get up on the wood floor. “He can’t go where he wants. He can’t get to his bed anymore.” Well, if you brought it downstairs, he would.

So a lot of the hospice and the ability to go into a home and look at how the family runs, what the relationships are there, what the environment is, is huge. And that is not a big dollar thing. When I consider dying, there’s three biggies for me that I don’t want at the end of my life. I don’t want physical pain I cannot control. I do not want the inability to breathe, and I do not want panic and anxiety. So when I come to this in the hospice setting for what we’re going to keep our animals going down this path, I have those same three things for them.

Ronita Choudhuri-Wade:

When you get to that inevitable time where it’s clear your pet is near the end, what are some considerations for deciding between euthanasia and a natural death?

Dr. Fiona McCord:

That is very, very dependent on the situation. The process of death can be a fairly gentle, nontraumatic one. So if I have a really old, the 22-year-old cat who is dying, but overall, all the organs of the body are aging and wearing down, and everything kind of slows together, including the mental acuity.

So if a body is doing that, then you could actually have a death that you would support it maybe with pain med or, comfortably, things like keeping the lips and the tongue wet, a warm, comfortable position, the presence of someone who loves them. Those kinds of things can make a natural death maybe be okay, and it can take a long time. So if that is what someone wants to do and they’re able to manage that with the pain meds, whatever, that’s fine.

But most of our pets end up with conditions where the death process is not going to be gentle. There’s no reason to go down the natural death path unless you know that the trajectory of what is likely to happen in this body is something gentle, that I can medicate appropriately to control any discomfort and, again, that I don’t have a condition that is going to leave a last experience for a pet very unpleasant.

Ronita Choudhuri-Wade:

So when you have these options, how do you balance what you want for your pet with what it’s going to cost between sedation, euthanasia?

Dr. Fiona McCord:

Our way to control dollars is to do all the things that we can do within our home to manage and maximize comfort, to use a regular veterinarian to get the drugs I need. But you should be able to manage with a combination of your regular veterinarian, maybe an end-of-life vet, if you can find someone who will take that role, and then who is there for you at the very end.

Some of the cost relates to aftercare of that body. Now it is about the client, whose heart is broken, and there’s nothing we can do about that. So now it is what all can be done in order to minimize that pain and support that client through this piece until life starts to look a little bit normal again.

Ronita Choudhuri-Wade:

I wonder if you could recommend any resources or support groups for pet owners dealing with grief.

Dr. Fiona McCord:

The sources, obviously, naturally, they’re going to be different depending on where you are. There are a number of online grief groups. So if you want to do that virtual thing, lots out there. A lot of the cremation companies, if you find out who does this in your area, several of them have virtual groups that they support, and even phone lines that you can call about grief. Some of the rescue groups may have one. Some of the emergency clinics in your area may have one.

And then the other thing is actual true counseling. The group that I do, I actually co-facilitate with a counselor, and there’s going to be an occasional person that needs more than just a support group. If the family already has someone that they’ve used for other issues, then that might work, as long as that counselor gets it. This is one of those where you have got to be around people that get it.

And the other thing that happens with loss is that losses tend to pile up. And sometimes the loss of a pet, devastating, but it will open up all the other losses that have not yet been dealt with in that person’s life. It can be a floodgate. So everything from, “Oh, I just need to chat with somebody,” all the way up to, “I need real help here.” It can be a loss of identity, “Who am I? I’m Foo-Foo’s mother, but I’m not anymore.” So, so many situations and such a level of devastation that a person who has not experienced it really can’t wrap their brain around it, and we can’t expect them to.

Ronita Choudhuri-Wade:

So to wrap up, when you are counseling pet parents who are dealing with a pending loss of their beloved furry family member, what would you say are the most important takeaways for our listeners to think about, especially financially, but as well as emotionally, at the end of their pet’s life?

Dr. Fiona McCord:

I think it is back to what we kind of said at the beginning, is sit down, see what do you want for your pet, what matters to you at the end. What if you’ve already got a situation that you kind of know what you’re going to be dealing with? What do you think that situation is going to look like? Find someone or get the information, enough information, that you have a sense of what’s coming so that you can make some of those tough decisions before you’re in it. How are you going to want to do that? What do you think of this? Before those emotions and all you can feel is the pain and the panic of what’s coming.

It is the getting ahead. It is planning, having time to think through it, to let your brain and your heart wrap around what this is that’s coming, and just make the best decisions you can. But the more you do on the front end to know that you have made those rational, good decisions for you and your pet, the better it will be on that back end. When you look back on the awesomeness of that life, no matter how painful the loss at the end, they are absolutely worth every bit of pain we suffer at the loss.

Ronita Choudhuri-Wade:

Dr. Fiona McCord, thank you so much for talking with us today about this difficult topic and covering it with such depth and insight and warmth. We’re also so sorry for the loss of your dog as well, but thank you so much for coming on Smart Money.

Dr. Fiona McCord:

You are so welcome. Happy to do it.

Sean Pyles:

Ronita, I am trying to not fall down a hole of imagining my dear pets’ last moments. But there are a lot of valuable lessons in your conversation with Dr. McCord. First and foremost, do not equate your ability to spend with your ability to give your pet a good life. In fact, sometimes spending more money on a pet’s care can actually leave them feeling worse and suffering for longer. And what I’m personally going to be focusing on is the idea of giving my pets beautiful deaths. I want to honor their lives and our relationships in their final moments, and that’s kind of the best you can hope for.

Ronita Choudhuri-Wade:

I couldn’t agree more. And one thing I did want to add in, just so our listeners are prepared, are the costs after your pet has passed. A pet cremation can cost between $30 to $250, depending on the size of the pet, and whether it’s communal or private cremation, while a burial can cost between $300 to $2,000.

And like everything we’ve spoken about before, it’s good to have a plan, to know what to do when the moment comes, especially when it can get so emotional and difficult, and to prepare yourself and your family for the hole that appears in the pet’s absence. I will say, just to lighten things, I am considering getting one of those dog portraits done for Moe. You know where they put your dog’s face on a distinguished general or an old-timey king’s body? It is how I would like to remember Moe as a little doggy emperor.

Sean Pyles:

That is so sweet. Well, Ronita, when I think about why we did this series, it really is in the spirit of education and getting folks to think ahead. As we said in the first episode, this is like any other financial consideration, whether it’s retirement or paying for school or having kids. This isn’t meant to be a downer, but actually the opposite, to save folks from having to make surprise decisions in the moment.

Ronita Choudhuri-Wade:

Yeah. It’s a reality check, right? Puppies and kittens and goldfish and geckos and hamsters and horses, they’re all such wonderful additions to our lives. But as we’ve said, they’re not free. While you might get them for free, their existence in your household isn’t. It’s really worth taking the time to budget for them, to think about what your limits will be for their healthcare, and what your endpoint will be when they reach the end. And then from there on out, all you have to do is love them.

Sean Pyles:

That is the easiest part, and my favorite.

Ronita Choudhuri-Wade:

Sean Pyles:

Well, Ronita, this has been such a great series. Thank you for bringing it to us.

Ronita Choudhuri-Wade:

My pleasure, Sean. Woof, woof.

Sean Pyles:

Ronita Choudhuri-Wade:

And that’s the end of that.

Sean Pyles:

For now, that’s all we have for this episode. Do you have a money question of your own? Turn to the Nerds and call or text us your questions at 901-730-6373. That’s 901-730-NERD. You can also email us at [email protected]. And remember, you can follow the show on your favorite podcast app, including Spotify, Apple Podcasts, and iHeartRadio to automatically download new episodes.

Ronita Choudhuri-Wade:

This episode was produced by Tess Vigeland. Sean helped with editing. Kim Lowe helped with fact-checking. And a big thank you to the NerdWallet editors for all their help.

Sean Pyles:

Here’s our brief disclaimer. We are not financial or investment advisors. This nerdy info is provided for general educational and entertainment purposes and may not apply to your specific circumstances.

Ronita Choudhuri-Wade:

And with that, until next time, turn to the Nerds.

Source: nerdwallet.com

Apache is functioning normally

Thinking of making the Hawkeye State your new home? With its rolling prairies, charming small towns, and bustling urban centers, Iowa provides a diverse living experience. Whether you’re exploring homes for sale in Des Moines, considering renting in Cedar Rapids, or looking at houses for rent in Davenport, here’s what you need to know before making the move to Iowa.

Iowa at a glance

From the serene landscapes of the Loess Hills to the scenic trails of the Iowa Great Lakes, the state appeals to those who love nature and also enjoy urban amenities. The largest cities in the Hawkeye State, including Des Moines and Cedar Rapids are among the best places to live in Iowa. Iowa’s economy thrives in sectors such as agriculture, manufacturing, and healthcare, with major companies like Maytag, John Deere, and the Iowa Premium Beef plant contributing to it.

The state’s cultural scene is rich and varied, featuring attractions like the Iowa State Fair, the Des Moines Art Center, and the National Mississippi River Museum & Aquarium. Iowa’s culinary scene is equally diverse, offering everything from classic Midwestern comfort food to innovative farm-to-table dining experiences. Whether you’re exploring the picturesque countryside, enjoying cultural events, or immersing yourself in the local community, Iowa offers a dynamic and fulfilling lifestyle.

1. You’ll find affordable housing in Iowa

Iowa stands out for its affordable housing market, offering a range of options that are budget-friendly compared to national medians. The median home sale price in Iowa is $248,100, making homeownership accessible in many areas of the state. Rental prices are also reasonable, with one-bedroom apartments in cities like Des Moines typically ranging from $1,135 per month. In-state city comparisons highlight even more affordability, with smaller towns such as Dubuque offering lower housing costs and rental rates. Areas like Ames and Iowa City also provide affordable places to live while benefiting from proximity to universities and vibrant local amenities. 

2. Iowa is famous for its corn and agriculture

Agriculture is the backbone of Iowa’s economy, with the state being a leading producer of corn and soybeans. The vast fields of corn stretching across the state not only define the landscape but also play a crucial role in the local and national food supply. This agricultural dominance is celebrated with events like the Iowa State Fair, where the state’s farming heritage is proudly showcased. The rural areas are filled with working farms and agribusinesses, reflecting the deep connection between Iowans and their agricultural roots.

Insider scoop: Visit a local farmers’ market, such as the Downtown Farmers’ Market in Des Moines, to experience the fresh, locally grown produce and artisanal products that are a direct result of Iowa’s rich agricultural heritage.

3. The Iowa State Fair is loved by Ioawans 

The Iowa State Fair, held annually in August in Des Moines, is a major cultural event that captivates hundreds of thousands of visitors with its blend of agricultural showcases and entertainment. The fair features an extensive array of exhibits, from prize-winning livestock and giant produce to hands-on demonstrations of rural crafts and farming techniques. Visitors can indulge in iconic fair foods like deep-fried butter and pork chops on a stick, while enjoying attractions such as live music performances, thrilling rides, and the renowned butter cow sculpture.

If you’re planning on moving to Iowa, you’ll want to consider the pros and cons of living in the Hawkeye State, to see if it’s right for you.

4. Get ready to try the ham balls

A culinary staple in Iowa, ham balls are a regional favorite that locals swear by. These savory dishes are made from ground ham mixed with breadcrumbs, spices, and often a sweet or tangy glaze, then baked to perfection. They’re a common feature at gatherings, suppers, and local potlucks, reflecting the state’s love for hearty, comforting food. If you’re new to Iowa, trying ham balls will give you a taste of the local flavor and culinary tradition.

5. The winters are intense

Iowa winters are known for their harsh conditions, with temperatures often plummeting well below freezing, typically ranging from the teens to the low 30s°F. Snowfall is frequent, with average annual accumulations of around 30 to 40 inches across the state, leading to significant snow cover and ice buildup. The combination of cold temperatures, snow, and ice can result in challenging driving conditions, necessitating the use of snow tires and regular clearing of driveways and sidewalks with shovels and salt.

Insider scoop: Keep a well-stocked emergency kit in your vehicle, including items like blankets, non-perishable food, water, and a flashlight, along with snow tires and heavy-duty winter clothing.

6. It’s pretty windy here

Iowa experiences notable wind speeds throughout the year, particularly in the winter and spring months. The flat, open terrain of the state allows winds to blow unimpeded, which can make the weather feel colder and impact daily activities. Wind can also affect outdoor events and farming operations, so residents often need to account for it in their plans. 

7. Be prepared for the corn sweats in the summer

Summer in Iowa brings high humidity along with the heat, which can create a condition known as “corn sweats,” a term locals use to describe the intense perspiration. With temperatures often reaching into the 80s and 90s°F, combined with the heat radiating from vast fields of corn, staying hydrated and cool is crucial.

Insider scoop: Explore the state’s many outdoor water parks and splash pads, such as Adventureland Park near Des Moines, to keep cool during the summer.

8. Iowa is a great state to cycle in

Iowa is renowned for its cycling culture, particularly due to the Register’s Annual Great Bicycle Ride Across Iowa (RAGBRAI), which attracts thousands of cyclists each year. The state offers a variety of scenic routes and trails, including the popular High Trestle Trail and the Lake Trail. Cyclists can enjoy rolling hills, picturesque farmland, and well-maintained paths that cater to all skill levels. The strong cycling community and numerous bike-friendly amenities make Iowa an ideal place for cycling.

9. Football is a big deal here

In Iowa, football holds a special place in the hearts of many residents, with high school, college, and even professional games drawing large crowds. The University of Iowa Hawkeyes and Iowa State Cyclones have passionate fan bases, and game days are major social events, complete with tailgating and community gatherings. If you’re considering living in Iowa, embracing the football culture will help you connect with your new community.

Methodology

Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.

Source: rent.com

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Albuquerque, often referred to as “The Duke City,” is a place of rich cultural heritage and stunning natural beauty. With its breathtaking mountain views, historic neighborhoods, and a vibrant arts scene, it’s no wonder that many people are drawn to the unique charm of this Southwestern city. However, life in Albuquerque comes with its own set of challenges. So whether you’re searching for a historic apartment in Old Town or a modern apartment in Nob Hill, you’ve come to the right place.

In this ApartmentGuide article, we’ll explore the various pros and cons of living in Albuquerque, helping you decide if this high-desert city is the right place for you.

Fast facts about living in Albuquerque

  • Known for: Rich cultural heritage and the annual Albuquerque International Balloon Fiesta
  • Fun fact: Albuquerque has more than 310 days of sunshine each year
  • Population: Over 560,000 residents
  • Average rent: $1,280 per month for a one-bedroom apartment
  • Median home sale price: $350,000
  • Elevation: Approximately 5,300 feet above sea level
  • Public parks: Over 400, including the expansive Rio Grande Valley State Park
  • Languages spoken: Predominantly English and Spanish
  • Proximity to Santa Fe: About 60 miles north
  • Restaurants: A diverse range of dining options, including famous New Mexican cuisine

1. Pro: Affordable cost of living

The cost of living in Albuquerque is 6% lower than the national average, making it an attractive option for those seeking affordability. Housing is particularly affordable, with costs 15% less than the national average. The average rent for a one-bedroom apartment in Albuquerque is around $1,280 per month, and the median sale price for a home in Albuquerque is approximately $350,000. Additionally, utilities and groceries are 3% less expensive, transportation costs are 8% lower, and healthcare is 5% less than the national average. However, lifestyle expenses, such as dining out and entertainment, are on par with the national average. This overall affordability makes Albuquerque an attractive option for those looking to enjoy a high quality of life without the high price tag.

2. Con: Limited job market

While Albuquerque has a relatively affordable cost of living, the job market can be challenging. The city’s economy is heavily reliant on government and healthcare jobs, with fewer opportunities in other industries. Those seeking employment in fields like technology or finance may find limited options, leading to longer job searches or the need to commute to nearby cities.

Top employers in Albuquerque

  • University of New Mexico
  • Sandia National Laboratories
  • Kirtland Air Force Base
  • Presbyterian Healthcare Services
  • Albuquerque Public Schools
  • Lovelace Health System
  • City of Albuquerque

3. Pro: Rich cultural heritage

Albuquerque is steeped in history and culture, with influences from Native American, Hispanic, and Anglo cultures. The city is home to numerous cultural events, museums, and historic sites that celebrate this diverse heritage. The Old Town area, with its adobe buildings and traditional crafts, offers a glimpse into the city’s past, while the Indian Pueblo Cultural Center provides insight into the region’s Native American history.

4. Con: Limited entertainment options

While Albuquerque has a vibrant arts and cultural scene, it may not offer the same level of entertainment variety as larger cities. Residents sometimes find themselves traveling to nearby cities like Santa Fe or even out of state for certain cultural or entertainment experiences that aren’t available locally. This can be a drawback for those seeking a wide range of nightlife and entertainment options close to home.

Commute times to popular destinations

  • Santa Fe, NM: Approximately 1 hour by car
  • El Paso, TX: Approximately 4 hours by car
  • Phoenix, AZ: Approximately 6.5 hours by car
  • Denver, CO: Approximately 6 hours by car
  • Las Vegas, NV: Approximately 8.5 hours by car

5. Pro: Outdoor recreation opportunities

Albuquerque is a haven for outdoor enthusiasts. With its proximity to the Sandia Mountains, the Rio Grande, and numerous parks, residents have easy access to hiking, biking, and water activities. The city’s high desert climate allows for year-round outdoor adventures, from skiing in the winter to hot air ballooning in the fall.

Popular outdoor recreation areas in Albuquerque

  • Sandia Mountains
  • Rio Grande Valley State Park
  • Petroglyph National Monument
  • Cibola National Forest
  • Albuquerque BioPark

6. Con: Extreme weather conditions

Albuquerque’s high desert location means it experiences extreme weather conditions. Summers can be hot, with temperatures often reaching the mid-90s, while winters can be cold, especially at night, with temperatures dropping below freezing. The city also experiences occasional droughts and dust storms, which can be challenging for some residents.

7. Pro: Unique local cuisine

Albuquerque is famous for its distinctive New Mexican cuisine, which blends Native American, Spanish, and Mexican flavors. The city is known for its use of green and red chile, which is a staple in many local dishes. From traditional enchiladas to innovative fusion dishes, Albuquerque offers a culinary experience unlike any other.

Popular restaurants in Albuquerque

  • El Pinto
  • Sadie’s of New Mexico
  • Frontier Restaurant
  • The Grove Café & Market
  • Mary & Tito’s Cafe

8. Con: Limited public transportation

Public transportation options in Albuquerque are somewhat limited. While the city does have a bus system, it may not be as comprehensive or convenient as those in larger cities. Most residents rely on personal vehicles for commuting, which can be a downside for those who prefer to use public transit or live a car-free lifestyle. Albuquerque has made efforts to improve walkability and become more bike-friendly, with a growing number of bike lanes and paths, it still has room for improvement compared to more pedestrian- and cyclist-oriented cities.

Albuquerque transportation scores

  • Walk score: 43
  • Transit score: 29
  • Bike score: 61

9. Pro: Vibrant arts and cultural scene

Albuquerque boasts a vibrant arts and cultural scene, with numerous galleries, theaters, and music venues. The city is home to a thriving community of artists, musicians, and performers, contributing to a lively and diverse cultural landscape. Annual events like the Albuquerque International Balloon Fiesta and the Gathering of Nations Powwow attract visitors from around the world and celebrate the city’s unique cultural heritage.

10. Con: Air quality issues

Due to its high desert location and occasional weather patterns, Albuquerque can experience air quality issues, particularly during the spring and summer months. Dust storms, wildfires, and vehicle emissions can contribute to poor air quality, which may be a concern for residents with respiratory conditions.

11. Pro: Strong sense of community

Albuquerque is known for its welcoming and community-oriented atmosphere. The city hosts numerous community events, farmers’ markets, and festivals that bring residents together. Neighborhood associations and community organizations play an active role in maintaining the city’s friendly and connected environment, making it a great place for those who value a close-knit community.

12. Con: Educational challenges

While Albuquerque offers several reputable schools and higher education institutions, the city’s public education system faces challenges. Albuquerque Public Schools, the largest district in New Mexico, has struggled with funding issues, overcrowded classrooms, and varying academic performance across schools. Individuals moving to Albuquerque should carefully research schools and consider the educational opportunities available.

13. Pro: Access to healthcare

Albuquerque is home to some of the best healthcare facilities in New Mexico, including the University of New Mexico Hospital and Presbyterian Hospital. The city offers a wide range of medical services, specialists, and healthcare providers, making it a convenient place to access quality healthcare.

14. Con: Urban sprawl

As Albuquerque has grown, it has experienced significant urban sprawl, with the city expanding outward rather than upward. This has led to longer commutes, increased traffic, and a reliance on cars for most daily activities. The spread-out nature of the city can also make it challenging to develop a strong sense of place in certain neighborhoods.

Pros & cons of living in Albuquerque, NM (Summary)

Pro: Affordable cost of living
Con: Limited job market
Pro: Rich cultural heritage
Con: Limited entertainment options
Pro: Outdoor recreation opportunities
Con: Extreme weather conditions
Pro: Unique local cuisine
Con: Limited public transportation
Pro: Vibrant arts and cultural scene
Con: Air quality issues
Pro: Strong sense of community
Con: Educational challenges
Pro: Access to healthcare
Con: Urban sprawl

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Mortgage rates have fallen four months in a row, and they’ll probably go down in September and extend the streak to five months. There are two related reasons: Inflation is subsiding, and the Federal Reserve is about to reduce short-term interest rates.

Before getting into what’s expected in September, let’s pull out the megaphone to cheer for the progress mortgage rates have made in less than a year:

  • In late October 2023, the 30-year mortgage rate peaked near 8%.

  • In April, it bounced around but averaged roughly 7%.

  • It has declined every month since then, and at the end of August it settled at around 6.25%.

Inflation and jobs data point to lower rates

The inflation rate tumbled over a similar period. The consumer price index fell from 3.2% in October to 2.9% in July (the most recent data available). Inflation usually cools when unemployment rises, and that’s what has happened. The unemployment rate rose from 3.8% in October to 4.3% in July.

“Inflation has declined significantly. The labor market is no longer overheated,” Federal Reserve Chair Jerome Powell said in an Aug. 23 speech.

The combo of falling inflation and rising unemployment has pushed mortgage rates lower and convinced the Fed that it should cut short-term interest rates sooner rather than later to prevent too many job losses. “The time has come for policy to adjust,” Powell proclaimed in the Aug. 23 speech. That seems like a mild statement, but in the soft-spoken world of central bankers, Powell’s declaration of victory over inflation was comparable to a running back spiking the ball in the end zone.

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Expectations for the Fed

According to financial market indicators, investors believe the Fed is certain to cut the overnight federal funds rate at its meeting scheduled to end Sept. 18. That’s one of the reasons mortgage rates fell in August: Mortgage rates usually move up or down in anticipation of expected Fed rate moves.

Even better news is farther downfield: More rate cuts are deemed likely at the meetings that end Nov. 7 and Dec. 18. The prospect of those rate cuts is likely to drive mortgage rates lower in September and the months after.

Home buyers are staying away for now

You might expect lower mortgage rates to stimulate home sales, but potential home buyers “remain reluctant to make the jump,” said Mark Palim, deputy chief economist and vice president for Fannie Mae, in a statement. “Even with moderately lower mortgage rates, affordability remains close to historic lows due to the high level of home prices relative to incomes.”

High home prices are definitely tackling buyers. But it’s instructive to note how affordability has been boosted by the decline in rates since last fall. Take a home buyer who can afford to pay $2,200 a month in principal and interest. When the 30-year mortgage was 7.75% in October, that buyer could borrow about $307,000. With a 6.25% mortgage rate, they could borrow $357,000. That’s a $50,000 increase in buying power.

What other forecasters predict

The affordability picture will improve at least through the middle of 2025, according to forecasts from the Mortgage Bankers Association and Fannie Mae. Both organizations expect the 30-year mortgage rate to drop by around half a percentage point, maybe a bit less, through the second quarter of 2025. So far, the average rate for the third quarter is 6.65%, roughly in line with the forecasts.

What happened in August

The 30-year mortgage rate fell substantially in August. In Freddie Mac’s weekly survey (which the above forecasts are based on), it averaged 6.5%, down from 6.85% in July.

That matches my August prediction: “Mortgage rates are likely to keep falling in August because inflation is slowing down.”

Source: nerdwallet.com

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You might be wondering how easy it is to get approved for a $5,000 personal loan. In most cases, the process is straightforward and no collateral is required — though you might pay more in interest if your credit is poor. Overall, a $5,000 personal loan is a good way to access cash for unexpected bills and necessary expenses.

Learn more about the typical terms and requirements for a $5,000 personal loan.

Pros of a $5,000 Personal Loan

A personal loan is money that you borrow from a bank, credit union, or online lender that you pay back in regular installments with interest, usually over about two to seven years. Personal loans have several advantages over high-interest credit cards, making them a good option for a variety of borrowers.

Popular uses for personal loans include consolidating debt, covering medical bills, and home repairs or renovations. Here’s a look at some of the pros of taking out a $5,000 personal loan.

Flexible Terms

With $5,000 personal loans, you can often choose the repayment terms to fit your budget. For example, you may be able to opt for a longer repayment term with a higher interest rate but a lower monthly payment, or you might be able to choose a shorter repayment term with a lower interest rate and a higher monthly payment.

No Collateral

Most personal loans are unsecured, meaning you aren’t required to provide collateral to be approved. That said, using collateral on a personal loan can increase your approval odds, especially if your credit is poor. Doing so could result in a larger loan amount, lower interest rate, and better terms.

Fixed Payments

The interest rate on a $5,000 personal loan is usually fixed, meaning your payments will stay the same for the life of the loan. Fixed payments are typically easier to budget for.

Cons of a $5,000 Personal Loan

Small personal loans of $5,000 or so also have disadvantages that should be considered before you apply.

Debt

You’ll be going into debt when you take out a $5,000 loan, which is the biggest downside. If you struggle to repay the loan, you can end up in a worse financial position than before you took it on.

Origination Fees

Personal loans can have many fees, including origination fees. This fee is separate from the interest the loan charges and has no direct benefit to you as the borrower.

Some origination fees can be high, up to 15% of the loan principal. Even just a 5% fee on a $5,000 loan is $250 — just to receive the money. Fortunately, there are ways to avoid loan origination fees.

Interest Rates

While personal loan interest rates are usually lower than credit cards’, they can cost you hundreds (or even thousands) over the life of the loan.

Pros

Cons

Flexible terms: Choose the repayment terms that suit you.

Debt: Personal loans increase your debt and the risks that come with it.

No collateral: Most personal loans are unsecured.

Origination fees: Personal loans often have fees for borrowing money.

Fixed payments: Payments stay the same for the life of the loan

Interest: You’ll be charged interest, which can cost hundreds or thousands of dollars.

Requirements for a $5,000 Personal Loan

Requirements for a $5,000 loan vary by lender. But in general, you should have at least Fair credit, which is a score of 580 or above. Lenders may also look at other factors, such as your income and your debt-to-income ratio (DTI), during the application process.

Recommended: The Credit Score Required To Get a Personal Loan

$5,000 Personal Loan Terms

Repayment terms for a $5,000 personal loan are usually in the range of two to seven years. The length of the repayment term will play a role in determining the monthly payment amount and the interest rate.

Your credit score will also affect the interest rate. For example, the average interest rate for personal loans is 10.73%-12.50% for those with Very Good or Excellent credit. However, if you have Fair credit, the average jumps to 117.80%-19.90%.

Payment on a $5,000 Personal Loan

The payment on a $5,000 personal loan depends on the interest rate and the loan term. For example, a two-year $5,000 personal loan with a 7.80% interest rate results in your paying $226 per month. This means you’ll pay $416.34 in total interest over the life of the loan. 

If, on the other hand, you take out a three-year $5,000 loan at an interest rate of 15%, you’ll pay $173 per month. In this case, you’ll pay a total of $1,239.76 in interest over the life of the loan.

Recommended: Personal Loan vs Credit Card 

The Takeaway

Many lenders offer $5,000 personal loans with competitive interest rates and flexible terms. However, you are still charged interest and often additional fees, so you’ll want to shop around for the best deal you qualify for.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. Checking your rate takes just a minute.

SoFi’s Personal Loan was named NerdWallet’s 2024 winner for Best Personal Loan overall.

FAQ

What credit score do I need for a $5,000 personal loan?

In most cases, the credit score needed for a personal loan is at least 580, considered a Fair credit score. If your score is lower than that, your borrowing opportunities will be limited. Lenders may also look at other factors, such as your income and your debt-to-income ratio (DTI), during the application process.

How much is the monthly payment for a $5,000 personal loan?

The amount you will pay per month on a $5,000 personal loan will depend on the loan’s interest rate and term (length of the loan). As an example, the monthly payment on a $5,000 personal loan with a 13% interest rate and a three-year term will be $168.

How can you get a $5,000 personal loan?

Getting a personal loan generally involves checking your credit, comparing lenders (including banks, credit unions, and online lenders), getting prequalified, and then submitting your application. 

Photo credit: iStock/SDI Productions

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Source: sofi.com

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Thinking of making the Magnolia State your new home? Mississippi offers residents lush natural landscapes, charming small towns, and a life steeped in history and the arts. Whether you’re browsing homes for sale in Jackson, considering renting in Gulfport, or exploring houses for rent in Hattiesburg, here’s what you need to know before moving to Mississippi.

Mississippi at a glance

Mississippi is full of natural beauty and cultural richness. From the rolling hills of the Natchez Trace Parkway to the serene beaches along the Gulf Coast, the state is a haven for adventure and Southern charm. Jackson, Gulfport, and Southaven, the state’s largest cities, are lively centers of history, and economic growth. Mississippi’s economy is diverse, with strong sectors in agriculture, manufacturing, healthcare, and education, supported by major companies like Sanderson Farms and Ingalls Shipbuilding. The state’s contributions to American music, particularly the blues, are celebrated in cities like Clarksdale, while Oxford, home to the University of Mississippi, stands out for its academic excellence.

The state’s culinary landscape is equally varied, offering everything from classic Southern comfort food to fresh Gulf seafood. Affordable living in cities like Starkville makes Mississippi an appealing destination for those seeking a high quality of life with a lower cost of living. Whether you’re exploring the historic Natchez Trace, enjoying the Gulf Islands National Seashore, or immersing yourself in the state’s vibrant music and food culture, Mississippi offers a dynamic and rewarding lifestyle.

1. The summers are very hot and humid

Mississippi summers are known for their intense heat and humidity, with temperatures often climbing into the 90s°F and humidity levels that can make it feel even hotter. The combination of heat and moisture creates a muggy atmosphere, making outdoor activities uncomfortable during the peak afternoon hours. Residents often rely heavily on air conditioning and take precautions to stay cool and hydrated. This weather pattern typically lasts from May through September, so if you’re moving to Mississippi, be prepared for several months of sweltering conditions.

Insider scoop: Plan your outdoor activities early in the morning or late in the evening when temperatures are cooler and locals flock to shaded spots like the Natchez Trace Parkway for a refreshing break from the heat.

2. Although the summers are hot, the winters are mild

In contrast to the scorching summers, Mississippi’s winters are generally mild, with temperatures averaging in the 40s and 50s°F. Snow is rare, especially in the southern parts of the state, and when it does occur, it’s usually light and melts quickly. This mild climate means you can enjoy outdoor activities year-round without the harsh conditions experienced in more northern states. However, occasional cold snaps can bring freezing temperatures, so it’s still a good idea to have some warm clothing on hand.

Insider scoop: Take advantage of the mild winter weather by exploring the state’s scenic trails and parks, like the Tishomingo State Park, where winter hikes offer beautiful views without the crowds of peak seasons.

3. The people here are friendly

Mississippi is known for its Southern hospitality, where friendliness and politeness are deeply ingrained in the culture. It’s common for strangers to greet each other with a smile or wave, and you’ll often hear people say “yes, ma’am” or “no, sir” as a sign of respect. Neighbors tend to look out for one another, and community events are a big part of social life. This warm and welcoming atmosphere can be a pleasant change for newcomers, especially those from more fast-paced or impersonal environments.

4. Mississippi has strong ties to music

The Magnolia State is the birthplace of the blues and has a rich musical heritage that continues to influence American music today. Cities like Clarksdale, known as the “Home of the Blues,” and Jackson are hotspots for live music, with numerous festivals, juke joints, and historic sites celebrating this legacy. The state also honors its famous musicians, such as Elvis Presley, who was born in Tupelo, one of Mississippi’s best places to live.

Insider scoop: Head to the Delta Blues Museum in Clarksdale, where locals suggest catching a live performance at Red’s Lounge, one of the last authentic juke joints, to truly experience the soulful sounds of Mississippi blues.

5. The cost of living is low here

One of the major pros of living in Mississippi is its low cost of living, which is among the most affordable in the United States. The median home sale price in Mississippi is around $263,500, significantly below the national median of $442,451, with cities like Horn Lake and Gulfport offering even lower prices. Renters can find one-bedroom apartments in these cities for as low as $799 per month in Meridian, making it easier to maintain a comfortable lifestyle. This affordability makes Mississippi an attractive option for anyone looking to maximize their budget without sacrificing quality of life.

6. The way of life is slower here

Life in Mississippi tends to move at a more relaxed pace, with less of the hustle and bustle found in larger metropolitan areas. This slower way of life allows for more time to enjoy simple pleasures, like attending local events, or just sitting on the porch with a glass of sweet tea. The laid-back atmosphere can be a refreshing change for those coming from fast-paced environments, but it may require some adjustment if you’re used to a more hectic lifestyle. 

If you’re moving to Mississippi, it’s important to weigh the pros and cons of living there, so you know what to expect. 

7. Agriculture plays a big role in the economy 

Agriculture is a cornerstone of Mississippi’s economy, with vast fields of crops like soybeans, and corn dominating the rural landscape. Poultry farming is also a major industry, contributing significantly to the state’s economy. The Mississippi Delta, in particular, is known for its fertile soil and is often referred to as the “Breadbasket of the South.” For residents, this means access to fresh, locally grown produce and a strong connection to the land and farming traditions that have shaped the state’s history and culture.

8. The sales tax is high here

Mississippi has one of the highest sales tax rates in the country, with a state rate of 7% that can be higher when local taxes are added. This means that everyday purchases, from groceries to clothing, will cost more due to the added tax. It’s something to keep in mind when budgeting for living expenses, as the higher sales tax can add up, particularly on larger purchases. While the cost of living is generally low, this higher sales tax is a trade-off that residents should be prepared for.

9. Be prepared for the natural disasters 

Mississippi is prone to natural disasters, particularly hurricanes, tornadoes, and floods, due to its location near the Gulf of Mexico and its flat terrain. Hurricanes can bring powerful winds, heavy rain, and storm surges, especially in coastal areas, while tornadoes are most common in the spring and early summer. Flooding can occur along the Mississippi River and in low-lying areas during heavy rainfall. It’s essential for residents to have an emergency plan in place, stay informed about weather conditions, and know how to respond quickly to evacuation orders or severe weather warnings.

Insider scoop: Invest in a weather radio for receiving real-time alerts during severe weather, especially in areas with spotty cell service.

10. You’ll want a car to get around

Mississippi is a largely rural state with limited public transportation options, making a car essential for getting around. While larger cities like Jackson and Gulfport have some public transit, most areas rely heavily on personal vehicles for daily commuting, shopping, and other activities. The state’s extensive network of highways and rural roads makes driving the most convenient way to travel, whether you’re heading to work, running errands, or exploring the scenic countryside.

Methodology

Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.

Source: rent.com

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Albuquerque, New Mexico, is a city that offers a unique living experience that blends natural beauty, cultural richness, and a slower pace of life. Nestled in the high desert, Albuquerque is a place where outdoor enthusiasts, food lovers, and creatives alike can find their niche. Read on to find out what to expect if you’re considering a move to the Albequerque area in 2024.

You know it from: Beerfest, Better Call Saul, Breaking Bad

Average 1 bedroom rent: $1,280 | Albuquerque apartments for rent, Albuquerque houses for rent

Average home price: $350,000 | Albuquerque homes for sale

Average cost of full-service moving services: $112/hr for 2 movers

Average cost to rent a moving truck: $19 – $39/day

Top industries: Construction, Manufacturing, Transport

Move here for: The natural beauty and outdoor recreation, the New Mexican culture, the affordability

Be sure to bring: Sunscreen and a water bottle

1. Albuquerque is a hub for outdoor enthusiasts

If you love outdoor activities, Albuquerque has you covered. The Sandia Mountains offer incredible hiking and skiing opportunities, while the Rio Grande provides scenic trails for walking and biking. The city’s proximity to natural wonders like Petroglyph National Monument and the Jemez Mountains makes it a playground for adventurers. Whether you’re into rock climbing, mountain biking, or hot air ballooning, Albuquerque delivers. Just remember, with great outdoor activities comes the need to stay prepared—always pack extra water and a hat for those spontaneous adventures.

2. Green or red? Get ready to pick your favorite chile

New Mexico is famous for its chile, and in Albuquerque, it’s not just food—it’s a way of life. The age-old question, “Red or green?” will greet you at almost every restaurant. Green chile tends to be slightly milder and more vegetal, while red chile offers a deeper, earthier flavor. If you can’t decide, just say “Christmas,” and you’ll get both! This spicy staple is featured in nearly every local dish, from enchiladas to burgers. 

Moving Tip: Living in Albuquerque means you’ll develop a strong opinion on your chile preference—consider it a rite of passage.

3. The high desert climate is no joke

Albuquerque’s climate is defined by its high desert environment, which means dry air, intense sunlight, and big temperature swings between day and night. Summers are hot, often soaring into the high 90s, while winters bring brisk days and chilly nights, sometimes dipping below freezing. If you’re not accustomed to desert climates, it can take some getting used to, but many locals come to appreciate the distinct seasons.

Moving Tip: The lack of humidity makes even the hottest days manageable, but newcomers should prepare for the sun’s intensity—sunscreen and hydration are daily essentials.

4. A car is a must

Unfortunately, Albuquerque’s public transportation system is not as comprehensive as in larger cities. The city bus system, ABQ Ride, covers the basics but doesn’t reach all neighborhoods effectively, and service can be infrequent. While there’s a push for more bike lanes and pedestrian-friendly spaces, having a car is pretty much essential if you want to get around efficiently. 

Moving Tip: The good news is that parking is generally easy to find, and the city’s layout is pretty straightforward. Just be prepared for occasional traffic on the interstates during rush hour.

5. The arts scene is thriving, especially for local creatives

Albuquerque is a hidden gem for artists and creatives. From the historic Old Town galleries to the funky shops along Nob Hill, the city fosters a deep appreciation for the arts. The Albuquerque Museum and the National Hispanic Cultural Center offer fantastic exhibitions, while the local theater and music scenes are vibrant and welcoming. The city’s unique blend of cultures is reflected in its artistic output, making it an inspiring place to live for anyone with a creative streak. Don’t be surprised if you find yourself attending more art shows and live performances than ever before.

6. The sunsets are spectacular and worth the hype

One of the perks of living in Albuquerque is the stunning sunsets that light up the sky almost every evening. The combination of the high desert landscape and the wide-open skies creates a canvas of colors that’s truly unforgettable. Locals never tire of these natural light shows. If you’re moving to Albuquerque, prepare to be spoiled by these daily displays of natural beauty.

Moving Tip: One of the first things on your post-move agenda should be taking in an Albuquerque sunset at the West Mesa or the Crest.

7. The food scene is deeply rooted in New Mexican traditions

Living in Albuquerque means embracing the flavors of New Mexican cuisine. Expect to indulge in dishes like carne adovada, sopapillas, and green chile stew on a regular basis. The food here is distinct from typical Mexican cuisine, with a focus on local ingredients and centuries-old recipes. Local favorites like Frontier Restaurant and El Pinto showcase the best of what Albuquerque has to offer. If you’re a foodie, you’ll find plenty to love about living here, but be warned—your tolerance for spice will definitely increase!

8. Albuquerque’s altitude takes some getting used to

Sitting at over 5,000 feet above sea level, Albuquerque’s altitude can be a shock for newcomers. The thinner air means you might find yourself winded more easily, especially when engaging in physical activities. It also means the sun feels stronger, and hydration is more important than ever. Altitude sickness isn’t common, but it’s something to be mindful of, especially if you’re coming from a much lower elevation.

Moving Tip: Give yourself time to adjust, and take it easy when you first arrive. Be sure to stay hydrated and wear high SPF sunscreen every day, even in the winter!

9. Albuquerque’s culture is a unique blend of influences

Albuquerque’s culture is shaped by a mix of Native American, Hispanic, and Anglo influences, creating a rich tapestry of traditions and celebrations. This blend is reflected in everything from the architecture and festivals to the everyday way of life. The city celebrates its diversity with events like the Gathering of Nations Powwow and the Mariachi Spectacular. This cultural mix makes Albuquerque a fascinating place to live, where history and modern life coexist in harmony.

10. The Balloon Fiesta is the world’s largest and happens every October

Albuquerque is globally known for the International Balloon Fiesta, the world’s largest hot air balloon event. Every October, the city’s skies fill with hundreds of colorful balloons, drawing visitors from all over the world. It’s a spectacle like no other, offering breathtaking views and a chance to experience the unique charm of the city. It’s an amazing experience, but if you’re planning to move here, prepare for the city to be a bit hectic during Fiesta week.

Moving Tip: This event does mean traffic jams, fully booked hotels, and crowded streets so plan accordingly!

11. The city is surprisingly affordable

One of Albuquerque’s biggest draws is its affordability. Compared to other cities in the Southwest, Albuquerque offers a lower cost of living without sacrificing quality of life. Housing prices are reasonable, and there’s a good mix of options from historic homes in Barelas to modern apartments in Uptown. Utilities, groceries, and other essentials also tend to be more affordable here, making it a great choice for those looking to stretch their budget further.

12. Be ready for a slower pace of life

Life in Albuquerque moves at a slower, more relaxed pace compared to larger metropolitan areas. This laid-back vibe is part of what makes the city charming, but it can be an adjustment if you’re used to the hustle and bustle of a big city. People here tend to take their time, and it’s not unusual for things to run on “Albuquerque time.” For some, this can be refreshing and stress-reducing, but for others, it might require a bit of patience.

Methodology: Average rent prices sourced from Rent.com August 2024. Home prices sourced from Redfin August 2024. Average moving costs sourced from MoveBuddha. Employment data sourced from City Data.