Month: September 2024

Apache is functioning normally

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Apache is functioning normally

When people think of Las Vegas, they often picture the bright lights and nonstop energy of the Strip, but the true essence of living in Las Vegas extends far beyond the bustling entertainment district. The suburbs of Las Vegas offer a quieter, more relaxed lifestyle while still providing easy access to the city’s vibrant amenities, from world-class dining and shopping to outdoor recreation. These Las Vegas suburbs are spread across the sprawling metropolitan area, each with its own unique character and appeal, ranging from master-planned communities to peaceful desert retreats.

In this ApartmentGuide article, we’ll explore some of the most notable Las Vegas suburbs—from thriving residential communities to luxury enclaves—highlighting key aspects such as population, average rent, and what makes each area stand out. Whether you’re searching for the perfect apartment in Las Vegas or curious about the diverse Las Vegas neighborhoods surrounding the city, let’s discover the best parts of Las Vegas to call home.

Cost of living in Las Vegas

Before we dive into the top Las Vegas suburbs, let’s cover how much it costs to live in Las Vegas. The overall cost of living in Las Vegas is 1% lower than the national average, making it an affordable option compared to other major cities. Housing is a key factor, with the median sale price for a home in Las Vegas at around $433,975, which is close to the national median of $432,657. Rent follows a similar trend, with the average rent for a one-bedroom apartment in Las Vegas at approximately $1,356, just below the national average of $1,514.

While some suburbs around Las Vegas offer more affordable housing options, others provide luxurious living at a higher cost. Here, we’ll explore a variety of top suburbs, each offering different lifestyle and housing opportunities depending on your budget and preferences.

If you’re looking for more specific rental insights, check out our guides on the 5 Most Affordable Neighborhoods in Las Vegas, NV for Renters in 2024 and the 14 Most Expensive Neighborhoods in Las Vegas to Rent in 2024.

1. Summerlin

Known for: Master-planned community, outdoor recreation, and upscale living

Summerlin is one of the most desirable suburbs of Las Vegas, located to the west of the city at the edge of the Red Rock Canyon National Conservation Area. It’s known for being a well-planned, upscale community with an abundance of parks, trails, and golf courses. Summerlin also offers a thriving retail and dining scene, with shopping centers like Downtown Summerlin offering everything from high-end boutiques to casual dining.

The area is perfect for outdoor enthusiasts who enjoy hiking, biking, and other recreational activities, thanks to its proximity to Red Rock Canyon. Summerlin’s reputation for excellent schools, modern amenities, and luxurious homes makes it a top choice for residents seeking a more refined suburban lifestyle.

Population: 123,000
Average rent for a one-bedroom apartment: $1,356
Median home sale price: $648,000
Summerlin transportation scores: Walk Score 22, Bike Score 34, Transit Score 28

Apartments for rent in Summerlin, NV | Houses for rent in Summerlin, NV | Homes for sale in Summerlin, NV

2. Henderson

Known for: Peaceful environment, community atmosphere, and growing economy

Henderson, located just southeast of Las Vegas, is one of the largest and most popular suburbs in the area. Known for its welcoming environment, Henderson consistently ranks among the most desirable cities to live in the U.S. The suburb offers a wide range of housing options, from affordable apartments to sprawling estates. Henderson has a robust job market, thanks to its growing economy, which includes industries like healthcare, education, and tech.

Outdoor activities are also plentiful in Henderson, with multiple parks, trails, and recreational areas such as Lake Mead and the Sloan Canyon National Conservation Area nearby. Henderson’s blend of affordability and access to nature make it a top choice for many residents.

Population: 320,000
Average rent for a one-bedroom apartment: $1,693
Median home sale price: $495,000
Henderson transportation scores: Walk Score 30, Bike Score 44, Transit Score 25

Apartments for rent in Henderson, NV | Houses for rent in Henderson, NV | Homes for sale in Henderson, NV

3. North Las Vegas

Known for: Affordable housing, diverse neighborhoods, and a growing community

North Las Vegas is one of the fastest-growing suburbs in the Las Vegas metropolitan area, located just to the north of the city. It’s known for offering more affordable housing options compared to other Las Vegas suburbs, making it an appealing choice for those looking to buy or rent on a budget. The area has a diverse population, and its growing infrastructure includes new schools, parks, and shopping centers, reflecting its continued development.

North Las Vegas also offers convenient access to downtown Las Vegas, making it a great option for commuters. The area’s affordability, growth, and proximity to the city make it a popular choice for both professionals and residents seeking a more relaxed lifestyle.

Population: 260,000
Average rent for a one-bedroom apartment: $1,351
Median home sale price: $410,000
North Las Vegas transportation scores: Walk Score 34, Bike Score 48, Transit Score 33

Apartments for rent in North Las Vegas, NV | Houses for rent in North Las Vegas, NV | Homes for sale in North Las Vegas, NV

4. Enterprise

Known for: Newer developments, modern amenities, and suburban convenience

Enterprise, located southwest of Las Vegas, is a rapidly growing suburb known for its newer developments and modern communities. The area has seen significant residential growth in recent years, with an abundance of new homes, townhouses, and apartments being built. Enterprise also offers plenty of amenities, including shopping centers, restaurants, and entertainment options, making it a convenient place to live.

Enterprise’s proximity to the Las Vegas Strip, as well as its quieter suburban feel, makes it a great choice for those who want the best of both worlds: easy access to the excitement of Las Vegas and a peaceful residential environment.

Population: 230,000
Median home sale price: $505,000
Enterprise transportation scores: Walk Score 25, Bike Score 36

Apartments for rent in Enterprise, NV | Houses for rent in Enterprise, NV | Homes for sale in Enterprise, NV

5. Boulder City

Known for: Small-town feel, proximity to Lake Mead, and historical significance

Boulder City, located southeast of Las Vegas, offers a quieter, small-town lifestyle compared to the bustling city. Known for being a gateway to Hoover Dam and Lake Mead, it’s perfect for outdoor enthusiasts who enjoy boating, fishing, and hiking. Boulder City has strict development laws, which maintain its small-town charm and limit overdevelopment.

The housing market includes older homes with character as well as newer developments. Boulder City is an ideal choice for those who appreciate history, nature, and a slower pace of life while still being close to Las Vegas.

Population: 16,000
Average rent for a one-bedroom apartment: $1,060
Median home sale price: $420,625
Boulder City transportation scores: Walk Score 70, Bike Score 63

Apartments for rent in Boulder City, NV | Houses for rent in Boulder City, NV | Homes for sale in Boulder City, NV

6. Aliante

Known for: Master-planned community, parks, and amenities for all ages

Aliante, located in North Las Vegas, is a newer master-planned community known for its parks, golf courses, and quiet residential streets. The area features modern homes and townhouses, offering residents a suburban feel while being close to the amenities of Las Vegas. Aliante Nature Discovery Park and the Aliante Golf Club are popular spots for recreation.

The community is ideal for those who enjoy outdoor living and well-planned spaces, with plenty of parks and open areas. Aliante’s modern infrastructure and convenient location make it an appealing choice for those looking for a suburban oasis near the city.

Population: 30,000
Average rent for a one-bedroom apartment: $1,351
Median home sale price: $458,000
Aliante transportation scores: Walk Score 45, Bike Score 47, Transit Score 27

Apartments for rent in Aliante, NV | Houses for rent in Aliante, NV | Homes for sale in Aliante, NV

7. Centennial Hills

Known for: Friendly environment, parks, and suburban growth

Centennial Hills is a fast-growing suburb located in the northwest part of Las Vegas. The area is known for its welcoming neighborhoods, well-maintained parks, and recreational areas, including the popular Centennial Hills Park. The community offers a blend of new developments and more established neighborhoods, making it a popular choice for residents who want suburban comfort without being too far from the city.

Centennial Hills has a range of housing options, from affordable single-family homes to larger estates. The area’s proximity to shopping centers, schools, and recreational facilities makes it an attractive choice for a wide range of residents.

Population: 45,000
Average rent for a one-bedroom apartment: $1,356
Median home sale price: $436,500
Centennial Hills transportation scores: Walk Score 41, Bike Score 43, Transit Score 30

Apartments for rent in Centennial Hills, NV | Houses for rent in Centennial Hills, NV | Homes for sale in Centennial Hills, NV

8. Southern Highlands

Known for: Luxury living, golf courses, and gated communities

Southern Highlands is an upscale, master-planned community located in the southern part of Las Vegas. Known for its luxury homes, gated communities, and beautifully landscaped streets, it offers a higher-end living experience. The area is home to the Southern Highlands Golf Club and numerous parks and walking trails, making it ideal for those who enjoy outdoor activities and an exclusive suburban lifestyle.

Southern Highlands has a mix of upscale single-family homes, custom estates, and townhomes. Its convenient location near I-15 provides easy access to the Las Vegas Strip, making it perfect for those who want luxury living close to the city.

Population: 35,000
Median home sale price: $585,000
Southern Highlands transportation scores: Walk Score 19, Bike Score 29

Apartments for rent in Southern Highlands, NV | Houses for rent in Southern Highlands, NV | Homes for sale in Southern Highlands, NV

9. Inspirada

Known for: Newer developments, parks, and community events

Inspirada is a newer master-planned community located within Henderson, offering a mix of modern homes, community parks, and a variety of recreational options. The area is known for its modern infrastructure, making it one of the most sought-after developments in the Las Vegas area. Inspirada features extensive green spaces, walking trails, and sports facilities, making it perfect for active residents.

The community hosts regular events, markets, and activities that help foster a close-knit environment. Inspirada is ideal for those looking for a newer suburban neighborhood with plenty of amenities.

Population: 15,000
Average rent for a one-bedroom apartment: $1,693
Median home sale price: $517,450
Inspirada transportation scores: Bike Score 34

Apartments for rent in Inspirada, NV | Houses for rent in Inspirada, NV | Homes for sale in Inspirada, NV

Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the Las Vegas area. Average rent and home sale price data were sourced from Redfin and Rent.com as of September 2024. Transportation data, including Walk Scores, Bike Scores, and Transit Scores, was sourced from Walk Score.

Apache is functioning normally

Cars and trucks tend to lose value as they age and experience wear and tear through everyday use. This loss of value is known as depreciation. How much these vehicles tend to depreciate will vary. For example, trucks tend to hold their value better than cars.

That said, depreciation depends on a number of factors, such as make and model, age, mileage, and accident history. Here’s a closer look at what impacts car and truck value, and how depreciation can differ between the types.

What Is Vehicle Depreciation?

Cars and trucks lose value each year due to normal wear and tear. The rate of depreciation will vary depending on the make and model of a car. However, the first year tends to see the greatest depreciation, when cars lose as much as 20% of their starting value. For that reason, some consumers believe it’s wiser to buy a used car than a new car. Within the first five years of ownership, a vehicle can depreciate by as much as 60%.

Depreciation is not necessarily an accurate representation of wear and tear on a vehicle. You may find that after a number of years, your car has lost significant value even if it’s in pristine, like-new condition. Deprecation will continue to affect the value of your car until it reaches $0 on paper. At that point, your car no longer has any equity, and is not considered a financial asset. The only value left is the value of the metal for scrap.

Depreciation is an important factor to understand whether you are buying a used car, a new car, or if you plan to lease a vehicle. When leasing a car, your monthly payment will cover the cost of depreciation.

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How Is My Car Value and Truck Value Depreciation Calculated?

There are various sources that supply car depreciation figures, including Kelley Blue Book and Edmunds. Each company has its own algorithm that accounts for the factors that affect depreciation, such as:

Mileage

How much a car or truck has been driven is often seen as a proxy for wear and tear. The more something is used, the more likely it is to wear out. As a result, vehicles that have been driven less tend to fetch higher values.

Make and Model

You can think of the make and model of a vehicle as the brand and specific product on offer. For example, Toyota is the make, while Tacoma is a specific type of truck the company builds. There may be a series of letters and numbers after the model name that further delineates the trim level of the vehicle. Trim level can refer to different features, engine size, or materials used in the making of the car or truck.

Some makes and models are more popular than others, and some models have higher trim levels. Both can help a vehicle hold its value longer.

Reputation

A vehicle’s reputation for safety and reliability can play a big role in its popularity. The higher the demand for a particular make and model, the more slowly it may depreciate.

Larger vehicles are typically safer than smaller cars, which helps explain why trucks tend to hold their value longer.

Fuel Economy

More fuel-efficient vehicles may also hold their value better than gas-guzzling counterparts, especially when fuel prices are high. Diesel trucks may depreciate more slowly than gasoline-powered cars and trucks because they tend to have more powerful engines, better fuel economy, and emit less carbon dioxide. A gallon of diesel contains roughly 10% to 15% more energy than a gallon of gasoline, and as a result, a diesel engine can go 20% to 35% farther on a gallon of fuel.

Local Market

Your local automobile market can also have a big impact on how much your car depreciates. For example, trucks may be in higher demand in rural areas, while cars may be more popular in urban settings. Vehicles with four-wheel drive may be more sought after in places with snow, while convertibles may be in higher demand in warm, sunny climates.

You may be asked for your zip code when you look up the value of your car. This can help valuation companies zero in on how much your car is worth in your locale. You can also use a money tracker app, like SoFi’s, to discover real-time vehicle values in just a few clicks.

Recommended: What Credit Score Is Needed to Buy a Car?

Average Truck Value vs Car Value Depreciation Comparison

Cars and trucks begin to depreciate as soon as they leave the lot. As mentioned above, they can lose as much as 20% in the first year alone, and up to 10% each year after that. By year five, a vehicle may have depreciated by as much as 60%.

That said, various types of cars and trucks tend to depreciate at different rates. And depreciation can vary a lot depending on current market conditions. For instance, iSeeCars research found that all types of vehicles held their value better in 2023 than they did in 2019, thanks in part to fewer new cars being produced and fewer used cars for sale.

In 2023, the average five-year-old vehicle depreciated by 38.8%, compared to 49.6% in 2019. And trucks held their value best of all vehicles, depreciating just 34.8% over five years in 2023, compared to ​​42.7% in 2019.
Here’s a look at of how different types of vehicles have depreciated over a five-year span:

Type of Vehicle 5-year Depreciation
Overall 38.8%
Trucks 34.8%
Hybrids 37.4%
SUVs 41.2%
Electric Vehicles 49.1%

Source:iSeeCars

Recommended: What Should Your Average Car Payment Be?

The Takeaway

While all cars are holding their value better than they did in 2019, recent research confirms that trucks hold their value the best of all vehicles. If you plan to trade in your car or truck after a few years, consider buying a vehicle that is likely to hold its value longer to get a better trade-in value.

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FAQ

At what mileage do cars lose value?

Cars and trucks unfortunately start to lose value as soon as you drive them off the lot. After that, depreciation is calculated each year.

Does mileage affect car value?

Mileage is one of the most important factors that go into car valuation. The higher the mileage, the more wear and tear the vehicle is presumed to have, and the less the vehicle will be worth.

At what age does a vehicle depreciate most?

Cars and trucks depreciate most in their first year, when they can lose 20% or more of their value.

Photo credit: iStock/timnewman

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Source: sofi.com

Apache is functioning normally

Located in the heart of Washington state, Wenatchee is a beautiful place to settle down. Known as the “Apple Capital of the World,” it’s surrounded by stunning landscapes, including the Columbia River and Cascade Mountains. With its four distinct seasons and agricultural roots, Wenatchee is a great destination for outdoorsy types and homebodies alike. But is it the right place for you? Let’s explore the pros and cons of living in Wenatchee and calling Washington home.

Wenatchee at a glance

Walk Score: 47 | Bike Score: 46 | Transit Score: 33
Median Sale Price: $500,000 | Average Rent for 1-Bedroom Apartment: $1,625
Houses for rent in Wenatchee | Apartments for rent in Wenatchee | Homes for sale in Wenatchee

1. Pro: Access to nature

Living in Wenatchee offers unparalleled access to outdoor activities. With the Cascade Mountains nearby, you can hike, bike, and ski throughout the year. In warmer months, the Columbia River is great for boating, fishing, and kayaking, making Wenatchee ideal for anyone who loves being outside.

2. Con: Limited public transportation

Public transportation in Wenatchee is relatively limited. The LINK transit system serves the area, but routes and schedules may not align with everyone’s needs. This makes owning a car essential for most residents, especially if you need to commute for work or want to explore areas outside the city.

3. Pro: Affordable cost of living

Compared to larger cities in Washington, like Seattle, the cost of living in Wenatchee is more affordable. Housing, while slightly above the national median of $434,050 is reasonably priced. Apartments are on par with West Coast standards, ranging in price from $1,435 to $1,937, on average.

4. Con: Distance from major cities

Wenatchee’s location, while scenic, comes with the downside of being far from major hubs. Friends living in Seattle are about a two-and-a-half-hour drive away, which limits access to the job markets, shopping, and entertainment options found in larger cities.

5. Pro: Strong agricultural industry

Wenatchee’s economy is driven by agriculture, particularly apple production. Living in Wenatchee means being close to fresh, locally-grown produce and supporting an industry that shapes the town’s identity. The seasonal beauty of apple orchards also adds to the charm, especially during harvest festivals.

6. Con: Hot summers

While certainly not one of the hottest cities in the U.S., summers in Wenatchee are still quite hot. Temperatures often rise into the 90s, and heatwaves can stretch for several days. For those who prefer milder weather or aren’t equipped to handle the heat, Wenatchee summers might be uncomfortable.

7. Pro: Growing arts scene

Despite its smaller size, Wenatchee has a surprisingly strong arts scene. The Numerica Performing Arts Center regularly hosts concerts, plays, and other performances. The Wenatchee Valley Museum and Cultural Center, which has exhibits on local history and the area’s contributions to Washington culture, is also definitely worth a visit.

8. Con: Lacking job opportunities in certain fields

While the agriculture and healthcare industries are strong, Wenatchee may have fewer job opportunities for professionals in tech, finance, or other specialized fields. Those seeking employment in niche fields might find it challenging to secure high-paying jobs without commuting or working remotely.

9. Pro: Excellent local produce

Beyond apples, you can find some of the best cherries, pears, and peaches in the country at local farmers’ markets in Wenatchee. The city’s agricultural bounty means fresh fruits and vegetables are available year-round, contributing to a healthier and tastier lifestyle. This has also been a major factor in the growing restaurant scene in Wenatchee.

10. Con: Seasonal traffic

Wenatchee experiences a noticeable increase in traffic during the harvest season and summer months, as tourists and seasonal workers flock to the area. While traffic is generally manageable, these seasonal surges can cause congestion and unexpectedly alter routines.

11. Pro: Emphasis on education

For families, Wenatchee has a solid education system, with respected public schools and nearby Wenatchee Valley College for higher education. The city’s investment in education ensures that students gain the skills they need to succeed and adds to Wenatchee’s reputation as a Washington college town on the rise.

A native of the northern suburbs of Chicago, Carson made his way to the South to attend Wofford College where he received his BA in English. After working as a copywriter for a couple of boutique marketing agencies in South Carolina, he made the move to Atlanta and quickly joined the Rent. team as a content marketing coordinator. When he’s off the clock, you can find Carson reading in a park, hunting down a great cup of coffee or hanging out with his dogs.

Source: rent.com

Apache is functioning normally

As the Nov. 5 election looms, Vice President Kamala Harris and former President Donald Trump offer starkly different visions for student loan policy at a time when the topic is top of mind for voters.

More than one in five student loan borrowers (22%) say that student loan forgiveness is one of the most important issues when choosing a presidential candidate, according to a recent NerdWallet survey conducted online by The Harris Poll. Both parties are thinking about the issue: 43% of Democrats and 30% of Republicans say student loan repayment will impact their vote, per the recent 2024 EdAssist by Bright Horizons Education Index.

The official Democratic and Republican platforms, along with past statements, actions and related policy documents, indicate how each candidate may approach student loans if elected to the White House.

Harris and her running mate, Minnesota governor Tim Walz, would likely continue to champion the student loan efforts started under President Biden, who has erased $168.5 billion in student loan debt for 4.76 million borrowers while in office. His administration did so largely by improving existing student loan forgiveness programs.

If Trump and his vice president pick, Ohio senator JD Vance, win the White House, borrowers can expect a reigning in of relief and forgiveness programs.

“On the Trump side, this is someone who, as president, consistently proposed big cuts to all federal education funding, but especially to programs that would help students and student loan borrowers,” says Michelle Dimino, director of education at the center-left think tank Third Way. “On the Harris side, we have a history of supporting increases for Federal Student Aid and consumer protections for borrowers.”

(Neither campaign responded to multiple NerdWallet requests to comment on their student loan positions.)

Project 2025, a 900-page playbook for the next Republican president overseen by the conservative Heritage Foundation, also offers clues about what a Trump presidency could mean for student loan borrowers, even though Trump’s campaign has tried to distance itself from the document.

“It’s still very much put forward as a Republican Party conservative viewpoint on education, and so I think it includes a lot of policy proposals that there would be a lot of lobbying to get a potential Trump administration to implement,” says Katharine Meyer, a fellow in the Governance Studies program for the Brown Center on Education Policy at Brookings, a nonpartisan think tank.

From repayment plans and loan forgiveness to affordable degrees and community college, here’s where Harris and Trump stand on issues impacting student loan borrowers.

Broad student loan forgiveness

However, an incoming presidential administration still has power to sway the effort in their desired direction and to drive the appeals process, Dimino says.

“I think certainly a Harris administration would be working to continue to defend that effort for as long as they can, continuing the appeals process and being as aggressive as they can be to safeguard that,” she says.

Trump would most likely not support the forgiveness plan, echoing the Republican party’s opposition to student loan forgiveness. Republican-led states filed lawsuits that took down Biden’s original student loan forgiveness plan of up to $20,000 per borrower in 2023, along with lawsuits currently circling the SAVE repayment plan and Biden’s forgiveness “plan B.”

“In the past, [Trump] has been supportive of student loan cancellation. It was in his campaign eight years ago, which was really inconsistent with the Republican Party’s platform at that time,” says Beth Akers, senior fellow focused on the economics of higher education at the American Enterprise Institute, a center-right think tank. “Things have changed a lot since then, and I would anticipate that a Trump presidency would not be pushing on continuing to use any existing authorities to cancel student debt, instead maybe a reining in of the programs, working potentially with lawmakers on Capitol Hill to create some of the reforms that conservatives now think are necessary in order to get the student loan program back into a functional state.”

SAVE and other income-driven repayment plans

Like Biden’s forgiveness plan B, the SAVE repayment plan faces lawsuits, with its future largely dependent on the courts. However, if elected, Harris would likely vigorously defend the plan in court, Dimino says.

Meanwhile, Trump is likely to support the dissolution of SAVE. “Certainly in a Trump administration, there would be every effort to enact regulations striking down SAVE, even if it were ruled constitutionally appropriate,” Meyer says. “This sort of regulatory whiplash happens with every presidential transition in nearly every area of policy where the parties disagree.”

Instead of SAVE and other existing income-driven repayment (IDR) plans, Project 2025 calls for a single IDR option that would generally increase monthly payments for borrowers relative to SAVE and other current options. It would also aim to remove the loan forgiveness option; under current IDR plans, borrowers can get forgiveness after 20 or 25 years of payments.

“While income-driven repayment (IDR) of student loans is a superior approach relative to fixed payment plans, the number of IDR plans has proliferated beyond reason,” the document says. “And recent IDR plans are so generous that they require no or only token repayment from many students.”

A family of four that earns $50,000 a year would have a $0 monthly payment under SAVE. But under the Project 2025 IDR plan, that family’s payment would be about $156 per month, Meyer says.

Public Service Loan Forgiveness

Teachers, doctors, firefighters, police officers, military members, government employees and and other nonprofit workers benefit from the Public Service Loan Forgiveness (PSLF) program, which erases your remaining federal student debt after 10 years of public service and 120 monthly student loan payments.

“Under the Biden-Harris administration, we’ve seen some of the biggest Public Service Loan Forgiveness loan discharges ever. They’ve tried to make the process easier. They streamlined the application, making it easier to recertify with your employers, so taking down some of those administrative barriers to accessing PSLF relief,” Dimino says.

In June, the Education Department also began an effort to expand PSLF eligibility to early childhood educators who don’t necessarily work for nonprofits. Under a Harris presidency, borrowers can expect the government to continue prioritizing PSLF access, Dimino says.

As president and on the campaign trail, Trump has called for restricting loan forgiveness overall and making PSLF harder to access, Dimino says. “It makes a less certain future for folks who have been working toward forgiveness,” she adds. At one point in 2019, the Education Department rejected 99% of PSLF applications, according to a report from the Government Accountability Office.

Project 2025 goes even further, calling for the program first introduced by Republican President George W. Bush in 2007 to shutter: “The Public Service Loan Forgiveness program, which prioritizes government and public sector work over private sector employment, should be terminated.”

Community college, trade school and free tuition

“Both Democrats and Republicans are having to return to this idea that college should deliver something to students,” Akers says. “It used to be, ‘college is just this golden ticket, it’ll take me somewhere magical, and that’s good enough.’ But now I think Americans are like, ‘wait a minute, what’s the ROI on this investment? What am I getting, and what’s the opportunity?’”

The Harris campaign platform pledges to “make trade school and community college free for every American” and says it’s working to subsidize tuition at Minority Serving Institutions (such as Historically Black Colleges and Universities) for students whose families earn less than $125,000 per year. Harris’s vice president pick, Governor Walz, signed a bill into law in 2023 that made Minnesota public higher education free for families in the state earning less than $80,000 per year.

The Trump platform says it “will support the creation of additional, drastically more affordable alternatives to a traditional four-year College degree.” That could mean investing in trade schools, vocational programs, community colleges and other career pathways, Akers says.

Borrower defense to repayment

When she was California’s attorney general a decade ago, Harris prosecuted Corinthian Colleges, alleging that the for-profit institution intentionally misled students about job placement rates. In 2022, the Education Department approved $5.8 billion in student loan discharges for more than half a million former Corinthian students, under the borrower defense to repayment program.

As president, Harris would likely continue supporting borrower defense, Akers says. The program began in 1995 to protect borrowers who are defrauded or misled by their colleges.

Trump’s record indicates that he may be opposed to strengthening borrower defense. For example, in 2020, then-President Trump vetoed a bipartisan resolution that would have overturned a 2019 borrower defense rule that made it tougher for students who say they were defrauded by colleges to get federal student loan discharge.

Project 2025 calls for Congress to end the Education Department’s broad ability to forgive loans through the borrower defense program. Instead, the Department should only be allowed to discharge loans in limited, case-by-case situations where “convincing evidence exists to demonstrate that an educational institution engaged in fraud toward a borrower in connection with his or her enrollment in the institution and the student’s educational program or activity at the institution.”

Pell Grants

The federal Pell Grant program, which gives undergraduates from low-income backgrounds up to $7,395 per year to help pay for college, has been around since the 1970s. Biden increased the maximum Pell award by $900 during his term — the largest expansion in over a decade.

In her platform, Harris emphasizes Biden’s Pell record and promises to expand the program further: “For young people just heading to college now, we’ve already secured the largest increase in Pell Grants in a decade, and we’ll further expand these grants to 7 million more students, and double the maximum award by 2029.”

Though Trump is unlikely to strike down the Pell, further increases to the maximum award are less certain if he wins the White House. “I don’t think [Trump] is against Pell, but he has proposed cuts to it as president in the past,” says Dimino. “I think we would expect that the Pell Grant will be in greater jeopardy under [that] administration than under a Harris administration,”

Project 2025 supports maintaining Pell grants in their current “voucher-like” form.

Congressional elections matter, too

While the presidential election is extremely consequential, the upcoming congressional elections will also impact future student loan policies.

The U.S. Congress (composed of the Senate and the House) must align with the president to push legislation forward, though some policy work can be done without formal legislation, Akers explains. The president can veto bills passed by Congress, while Congress can refuse to pass bills that the president might support.

“A lot of what ultimately gets done will rely on the makeup of Congress and what the majorities look like in Congress for that president, along with the pending court cases,” says Dimino.

To register to vote in national, state and local elections — and to check your registration status — go to vote.gov. You must update your voter registration each time you move to a new address. Depending on your state, voter registration deadlines may be as early as 30 days before the Nov. 5 election.

Source: nerdwallet.com

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Showing off luxury homes that cost millions of dollars to build is quite the process. Every detail has to be on point, ensuring that the quality materials and high-end finishes are beautifully complemented by just the right decor choices, for maximum impact.

The goal is pretty clear — to showcase the property in the best possible light, and to make it easier for the would-be buyers to imagine themselves living there. And, of course, to make them more amenable to parting with hefty sums of money to make the house their own.

But how can sellers master the art of staging multimillion-dollar homes? In this article, we’ll go over some key strategies to make luxury home staging a success.

Understanding the target buyer and their preferences

To understand the target audience, we will need to first get into how the luxury home market works and what attracts buyers in this price range.

And no, we’re most certainly not suggesting you stalk potential buyers online to find out what their hobbies are and stage the home accordingly — much like Modern Family’s Phil Dunphy once did, in a hilarious episode of the long-lived sitcom.

If you know the price range of the property, the very first thing you should do is your homework: pull up as many similarly priced listings as you can, and start studying each and every one.

What are some of the most common design elements employed throughout? What types of design styles look best? Which types of light fixtures, artwork, and statement decor make the biggest impact? Write down everything that catches your eye and you already have a great starting point.

Photo credit: Pascal Riedel / Dreamstime

Refine your buyer persona

Your next step should be to look into the demographics of potential buyers for your specific property. Who would be most interested in buying the house?

Focus on their age, cultural background, profession etc. Marketing becomes a lot easier when you actually know your customers. Now, divide them into specific categories (e.g., young tech entrepreneurs, international investors, retirees looking for a second home) to understand their preferences.

And from there, it’s a no-brainer. Techbros may prefer homes with cutting-edge technology, international investors might look for strong ROI and a positive legal plus tax environment, while retirees may seek exclusive amenities like a private pool. Find that right fit and things will flow smoothly from there.

Meet them where they’re at

Remember that luxury buyers often make decisions based on emotional appeal or status. Understand what triggers these emotional responses — such as a grand entrance, unique features, or high-end finishes, and try to tap into that.

Costs and investments to keep in mind

Typical McMansions rent over-the-top furniture, art, lighting, and thousands of other types of accessories to appeal to their customers. To move these extremely expensive items, you’ll need professional movers. And if your schedule is tight, you’ll need to cough up some extra bucks. Also, watch out for an additional storage fee if the items can’t be delivered in time. 

Working with real estate agents adds another layer of expense. Some stagers work on a commission basis, taking a percentage of the final sale price. There are also costs for joint marketing efforts like professional photography, virtual tours, and brochures to put the home on display.

Overall, the money that goes into staging includes renting luxury furnishings and decor. Which, depending on the property’s size and needs, can range from a few thousand to tens of thousands of dollars. A home value calculator can be a great tool to get a clearer picture of what the price should be — so that you can factor in all of the above costs, and bake them into the listing price.

The science of layout and flow

To make a home functional as well as aesthetically pleasing, you need a clear understanding of how people see and move through space. The next step is to make strategic choices that account for this aspect. Choices that will highlight the home’s best features all the while maintaining a sense of harmony.

Entryway

Photo credit: Witriyani Nurhasanah / Dreamstime

Firstly, the entryway sets the tone for the entire home. Keep it open, uncluttered, and welcoming. Opt for neutral or pastel colors on the walls.

You may also play around with textures without creating visual clutter— like a woven mat or a smooth bench. However, if you would like to incorporate vibrant colors, just make sure your designers know the difference between tacky and tasteful.

Focal points

Photo credit: Andrei Dzemidzenka / Dreamstime

Think about focal points and pathways — every room should have a clear eye-catching focal point. It could be anything like a large window with a view, a piece of art, or a furnace.

The layout for pathways should feel easy to move through. You want to maintain a natural flow, an unobstructed path. So it’s best to not have any large furniture that takes away from the charm.

Lighting

Photo credit: Yulia Ryabokon / Dreamstime

Now, let’s talk about the power of lighting and reflective surfaces. Install pendant lights or scones for warm, inviting lighting. Consider adding a small table lamp or LED strip on the entryway.

Reflective surfaces are amazing at creating a particular mood or ambiance. Mirrors help reduce harsh shadows and distribute light more evenly throughout a room. For example, glass tables, metallic accents, or mirrored furniture are a great way to make an area look polished.

Virtual and augmented reality staging

If investing in quality staging and upscale furniture just isn’t in the budget — especially after a pricey building process — VR and AR can serve as great alternatives to showcase a property for potential buyers (particularly if you’re targeting out-of-state or foreign buyers). Here’s how:

  • Detailed views: Use VR or AR to create detailed, 360-degree views of standout features like custom-built kitchens, luxury bathrooms, or unique architectural details.
  • Immersive walkthroughs: Create VR tours that let potential buyers walk through the property as if they were physically there. Keep the focus on spacious living rooms or scenic views, with detailed commentary or annotations.
  • Virtual open houses: Host virtual open houses using VR to allow foreign investors to explore the property in real-time.
  • Real-time customization: Include features that allow buyers to make real-time modifications like changing wall colors or flooring options. For instance, light-colored wood floors generally make a room look bigger. Marble can also make a space feel larger, especially if it’s light in color with minimal veining. Both options can work in this context so it is best to have an option to try out both of them.

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Source: fancypantshomes.com

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Tucked in the Midwest, Cincinnati, OH, lies along the Ohio River just waiting to unveil all the unique things to do among its historic neighborhoods. Local experts share a variety of activities from cozy book nooks to creative craft bars that are guaranteed to become your top favorite spots to jazz-up your daily routine. 

Whether you’re moving to a new home in Cincinnati, OH, testing out the vibe in a rental home, or looking for the perfect apartment overlooking the river, these 13 unique things to do in the Queen City are ready to wow you. 

1. Start in the heart of Cincy at Fountain Square 

The iconic Tyler Davidson Fountain overlooks the square and marks the beginning of several possible routes for a day of exploration. On one route in particular, you can find the newly renovated and expanded Mercantile Library that has been a central part of Walnut Street since 1840. If you’re looking for a cool story, make sure to ask them about their 10,000 year lease on the space.

2. Find new, bold flavors just minutes from downtown 

The food scene is just one of the many things Cincinnati is known for, and for good reason.  In the Incline District, head over to The Bold Face Dairy Bar for some soft-serve ice cream with a cult following. Located just around the corner from the Warsaw Federal Incline Theatre, their collection of fun flavors from bourbon barrel stout Flurrie, to ice cream nachos, to cup of lavender with Oreos make for the perfect post-show treat. Enjoy the ambiance of their magically-lit outdoor seating area with a bold bowl or a classic cone. 

3. Back your basketball team at the Crosstown Shootout 

“Nothing shouts Cincinnati quite like this,” says local children’s book author Jenn Bishop. “The annual matchup between the University of Cincinnati Bearcats and the Xavier Musketeers showcases one of the fiercest sports rivalries in the country, and one of the loudest crowds you will ever hear.” Keep an eye out for tickets in December for one of the most unique things to do in Cincinnati – and be sure to pick your team wisely. “Be prepared to smack-talk for as long as you live in the Queen City.” 

4. Get to know your neighbors at a local bar

Everyone is welcome at The Belle and the Bear in Montgomery. Their unique neighborhood bar vibe is paired with live music, a wide selection of local beers, and great bourbon to taste. Play some pool, darts, or just enjoy the show with other Cincinnatians. 

5. Enjoy a classic Cincy breakfast and more at any time of day 

Sacred Beast Diner is nestled between easy access shopping and parking in Cincinnati’s historic art district just steps away from Washington Park and Music Hall. Their all-day breakfast menu includes Cincinnati’s famous Goetta breakfast sausage, as well as strong classic cocktails and European-style café drinks. Enjoy their modern spin on classic diner fare and vintage tunes spun from the original reel to reel player. 

6. Capture the moment with Olga Polo Photography 

Tucked away in Montgomery, you’ll find Olga Polo Photography. Olga has a talent for capturing your most precious moments with a perfect blend of artistry and warmth. Whether you’re marking a big milestone or just want some stunning photos to cherish, Olga Polo Photography is one of Cincy’s hidden gems for making genuine, timeless memories. 

7. Bring the secrets of craft cocktails home 

If you’ve ever wanted to host the perfect cocktail party, start with a private cocktail class led by professional bartenders at Homemakers Bar. In addition to their seasonal flavors and welcoming bar scene, their classes offer an interactive and fun way to learn the best bartending secrets. Whether you’re a casual visitor or a cocktail enthusiast, you’ll find a memorable and personalized experience in this stand-out cocktail destination. 

8. Grab a scoop made from scratch 

Hello Honey has been making small batch artisanal ice cream in the heart of downtown Cincinnati since 2012. Their delicious scoops made with real ingredients rotate flavors seasonally, keeping it fresh all year round. With three different neighborhood locations, this spot  is a staple of the Queen City’s ice cream scene. 

9. Shop local at a community farmers’ market

“We’re all about family, community, friendships, local small businesses, and of course, food,” shares the team at the Montgomery Farmers’ Market. Every Saturday morning from May through October, enjoy their local, farm-fresh produce, artisan crafted food, live music, and activities for the kids right in your neighborhood. 

10. Take a tropical-inspired tour on the Ohio River

Soak up some island vibes on a private party boat cruise with SS Tiki Tours. Hulaing up the Ohio River while taking in breathtaking views of the Cincy skyline is perhaps one of the most unique things to do in the city. 

11. Cozy up with coffee, cocktails, and live music 

The Härth Room is a can’t-miss if you’re looking for cozy comfort and unbeatable ambiance. Located on historic 4th Street in downtown Cincinnati, their speakeasy vibe features live jazz performances every night for you to enjoy while sipping on a Prohibition-era classic or a late night latte. 

12. Discover a book-lover’s paradise 

“Household Books is a new type of bookstore for people who love the old type of bookstore,” shares Bobby of the Household Books team. With a carefully curated collection of used and rare books, you’re bound to find some new treasures to add to your collection in their shelves. They also host a variety of engaging events from literary themed dinners to poetry readings that makes this bookstore a cultural hub for book lovers. 

13. Stay or Dine in Over The Rhine 

If you’re looking for a unique thing to do in the OTR area, the Symphony Hotel & Vivaldis Restaurant is sure to make your evening one to remember. Located between Music Hall and the FCC soccer stadium, their nine composer-themed rooms, delicious homemade Italian food, and live music every night make for an unforgettable stop on your Queen City journey. 

Unique things to do in Cincinnati: Final thoughts on these special spots

Life in Cincinnati is vibrant and exciting, full of culture, community, and unique things to do. While not typically the first place you would think of for an adventure, a world of surprises lie within the Queen City if you look close enough. Before long, you’ll see why Cincinnati is such a good place to live.