Utah is known for its stunning landscapes, wildlife, and friendly communities. Whether you’re looking to rent in Salt Lake City or searching for an apartment in Provo, you’ll find a welcoming environment full of adventure. Living in Utah offers a blend of outdoor recreation, cultural experiences, and breathtaking scenery. Let’s dive into some fun facts about Utah that make it a one-of-a-kind place to call home.
1. Utah is home to five national parks
Utah’s five national parks are known as the Mighty Five. They include Arches, Bryce Canyon, Canyonlands, Capitol Reef, and Zion. These parks attract millions of visitors every year. They offer unique rock formations and amazing hiking trails. You can experience breathtaking views all over the state.
2. The Great Salt Lake is the largest saltwater lake in the Western Hemisphere
The Great Salt Lake covers around 1,700 square miles. Its high salinity allows swimmers to easily float on the surface. Many unique species of birds and brine shrimp thrive there. The lake changes in size depending on weather and rainfall. It’s an iconic part of Utah’s landscape.
3. Utah is well known for its mountain snow
Locals and visitors refer to Utah’s powder as the “greatest snow on Earth.” The snow is light, dry, and perfect for skiing and snowboarding. Utah hosts many world-class ski resorts, including Park City and Snowbird. The winter sports scene is vibrant and draws tourists from everywhere. The snow quality makes it a top choice for enthusiasts.
4. Utah was the site of the first transcontinental railroad meeting
In 1869, the Golden Spike was driven at Promontory Summit. This historic event connected the east and west coasts by rail. The meeting of the two railroads was a major achievement. It symbolized unity and economic progress for the country. Visitors can still see the site at Golden Spike National Historical Park.
5. The state hosts an annual balloon festival
The Ogden Valley Balloon Festival is a popular event in Utah. Colorful hot air balloons fill the sky for several days. It’s a fun gathering filled with food, music, and activities. The festival takes place in the summer, drawing many visitors. It’s a beautiful way to see the scenic valley from above.
6. Salt Lake City hosted the Winter Olympics in 2002
The 2002 Winter Olympics put Utah on the global stage. Events took place in multiple locations, including Park City and Salt Lake City. The games were a huge success, boosting tourism in the state. Many of the facilities are still in use today. They serve as training centers for winter athletes.
7. Bryce Canyon is known for its rock formations
Bryce Canyon National Park is famous for its unique rock formations called hoodoos. Hoodoos are tall, thin spires of rock that look otherworldly. The park has the largest concentration of hoodoos on Earth. Visitors can hike among these towering structures. It’s a favorite destination for photographers and hikers alike.
8. Utah has a state dinosaur
The Utahraptor is the official state dinosaur. This dinosaur was a fierce predator with a large curved claw. Fossils were discovered in Utah, making it a fitting state symbol. The Utahraptor lived during the early Cretaceous period. It adds a prehistoric touch to the state’s heritage.
9. The Bonneville Salt Flats have a striking landscape
The Bonneville Salt Flats cover over 30,000 acres in northwestern Utah. These flats are extremely flat, with a thick crust of salty soil. The landscape appears alien, with bright white expanses stretching for several miles. The Salt Flats are also used for car speed trials. It’s a favorite spot for photographers and filmmakers.
10. Utah has one of the youngest populations in the country
Utah’s population is known for its youthfulness. The state has a median age lower than most other states. The vibrant energy can be felt in its cities and neighborhoods. The state is home to a number of major universities, including the University of Utah, Weber State, and BYU, which adds to its youthful dynamic.
11. Arches National Park has over 2,000 natural arches
Arches National Park, located north of Moab, features more than 2,000 natural stone arches. Delicate Arch is the most famous of them all. These arches were formed over millions of years by erosion. The park is a popular destination for hikers and photographers. Visitors enjoy witnessing these natural wonders up close.
12. Utah is a top copper producer
Utah’s Bingham Canyon Mine is one of the world’s largest copper mines. It’s also one of the deepest open-pit mines on the planet. The mine contributes significantly to the state’s economy. Visitors can take tours to learn about mining operations. The mine spans about 1,900 acres, making it an impressive sight to behold.
13. The state tree is the blue spruce
Utah’s state tree is the blue spruce, known for its distinct blue-green needles. It grows in the higher elevations of the Rocky Mountains. The tree symbolizes strength and resilience. Utah’s forests are filled with these beautiful spruces. They are a common sight in many natural areas of the state.
14. The beehive is a state symbol of Utah
The beehive symbolizes industry and hard work in Utah. It appears on the state flag, seal, and highway signs. Early settlers admired the work ethic of bees. Today, the beehive continues to represent the community spirit of Utahns. It’s a key part of the state’s identity.
15. Utah’s Capitol building has an impressive dome
The Utah State Capitol building features a stunning dome structure. It is located in Salt Lake City and serves as the center of the state’s government. The dome is one of the most recognizable architectural features in Utah. Visitors can tour the building and admire its intricate design. The Capitol grounds offer great views of the city and nearby mountains.
At the end of the year, when holiday celebrations and expressions of gratitude are in full swing, many people think about making a charitable donation. If you donate to a qualifying organization, not only can your funds do good, they may also be deductible when you pay your taxes.
Maybe it’s the animal shelter around the corner from your home, or perhaps it’s a scholarship fund at your alma mater that does amazing work. Whatever pulls at your heart and makes you feel like you’re doing the right thing can be a good cause for donations. The organization you give your money to benefits. Read on to learn if your contribution could also lower your tax bill.
What Qualifies as Charitable Giving?
In the eyes of the Internal Revenue Service (IRS), a charitable donation is a gift of money, property, or other asset that you give to a qualifying organization, known as a 501(c)(3).
To find out if an organization you’d like to support is eligible to receive tax-deductible contributions, you can search for it on the IRS’s database .
You may want to keep in mind that money or assets given to political campaigns or political parties do not qualify as tax-deductible donations. In fact, no organization that qualifies as a 501(c)(3) can participate in political campaigns or activities.
Organizations that engage in political activities without bias, however, can still sometimes qualify. So, a group can educate about the electoral process and remain within guidelines. They just have to go about it in a nonpartisan way.
Can I Deduct My Year-End Charitable Donation?
Currently, charitable donations could only be deducted by tax filers who itemized their deductions. That means that rather than take the standard deduction on their income tax return, they chose the more complicated path of listing all of their eligible expenses.
Recommended: 26 Tax Deductions for College Students and Other Young Adults
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How Much of a Charitable Donation Is Tax-Deductible?
The IRS sets limits on how much of a charitable contribution you can deduct from your taxes, and these are frequently updated. The amount is typically expressed in terms of the percentage of your adjusted gross income (AGI) that you may claim.
In 2024, this limit for cash contributions (say, money debited from your checking account) is 60% of a person’s AGI. The top figure is 20%-50% of AGI if you make a non-cash contribution, such as stock shares or a vehicle. The exact figure will vary with both the type of organization to which you are making the donation as well as the kind of item you are donating.
Of course, you are welcome to donate as much as you like. Just keep in mind that any charitable giving above those figures is not eligible for a deduction at tax time.
Recommended: How to Reduce Taxable Income for High Earners
Tips for Making End-of-Year Donations
To ramp up both the impact and benefit of a charitable donation, here are some strategies you may want to keep in mind:
Making a Timely Donation
Don’t lose track of your timing: The deadline for charitable donations is December 31. If you’re looking to deduct the donation in the current tax year, you will want to make sure your charity has ownership of whatever asset you are donating by the close of business on the 31.
You may also want to make sure that your preferred payment method is accepted by the charity so it doesn’t get kicked back and cause delays. Putting a reminder in your calendar for, say, mid-December can be a good way to make sure you don’t run late with your giving. (Of course, you also want to make sure you don’t miss the tax-filing deadline come April, either.)
Taking Advantage of Company Matching Programs
Your place of employment might have a matching program for charitable giving. They might, for example, match your donation amount dollar for dollar up to a certain amount. If so, it could significantly bump up the amount you could otherwise afford to give.
If you’re unsure about whether your company has a program, it can be worth reaching out to your HR department for further information.
Giving Rewards on Your Credit Card
If you are making a contribution on a budget, you might consider donating credit card rewards you earn, such as hotel points or airline miles. This can be a great way to use points or other rewards that would otherwise just expire. Many credit card companies, hotels, and airlines will make it easy to give your rewards to nonprofit organizations.
Donating Assets from Your Brokerage Account
If you’re looking to lower your taxes, you may want to consider donating assets from your brokerage account to a nonprofit. This may take some time and planning, but the benefits of donating an over-allocated position that’s outperforming can be worth it.
You may be able to receive tax advantages and rebalance your portfolio, while also helping an organization increase its assets.
Recommended: What Tax Bracket Am I In?
Setting up a Recurring Donation
You can get a headstart on next year by creating a recurring contribution now. Many organizations allow you to donate monthly through their websites using a credit card, so you might be able to earn rewards at the same time. By establishing your donation plans now, you won’t have to even think about end-of-the-year giving next year.
Keeping Good Records
If you want to deduct your donation on your taxes, you’ll want to make sure you have the right receipts to back up the transaction.
You’ll want to keep records of your donations. For cash donations under $250, you’ll either need a bank record (like a canceled check or bank statement) or a written acknowledgment from the charity which includes the date and amount of your contribution. (The exception is goods dropped off at, say, a clothing donation bin.)
For cash donations over $250, a bank record isn’t insufficient. Instead, you’ll need something in writing from the charity which includes the date and amount of your donation.
If you are making noncash donations valued at $500 or more, you’ll need to fill out one or more of the IRS Form 8283 . If the donation exceeds $5,000 in value (say, if you gift a car you no longer need to a favorite local organization), you’ll also need to get a written appraisal from a qualified appraiser. In addition, know that donations of $250 or more will also require what is known as a “contemporaneous written acknowledgment.” This is a document that describes the property, states whether the organization provided the donor with goods or services as a result of the contribution,and share an estimate of the value of any such goods or services provided.
Speaking with a Professional
Working with a personal accountant can help answer any questions you may have about how tax laws will impact your tax contribution, as well as help you make the most strategic and efficient charitable donation.
Recommended: Are 401(k) Contributions Tax Deductible? Limits Explained
The Takeaway
Giving can be a good idea for a number of reasons. In addition to helping a nonprofit organization meet its operating costs for the year, you can feel good about what you are doing with your money, and you may also benefit from tax deductions.
Giving can also help you get the new year started on the right foot. If you’re looking for other ways to get your financial life in order, consider a new bank account.
Interested in opening an online bank account? When you sign up for a SoFi Checking and Savings account with direct deposit, you’ll get a competitive annual percentage yield (APY), pay zero account fees, and enjoy an array of rewards, such as access to the Allpoint Network of 55,000+ fee-free ATMs globally. Qualifying accounts can even access their paycheck up to two days early.
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FAQ
Should donations be deductible?
Charitable contributions are usually tax-deductible, but there can be limitations as well as exceptions, so it can be wise to inquire in advance. Contributions can often take the form of cash, artwork, cars, and other items of value.
Are charitable contributions no longer tax-deductible?
Charitable contributions can be tax-deductible. However, they must be claimed as itemized deductions; you would do so on Schedule A of IRS Form 1040. Keep in mind that there’s a limit on charitable cash contributions: For 2024, it’s 60% of the taxpayer’s adjusted gross income.
Can you deduct $300 in charitable contributions without itemizing?
The short answer is no. Currently, you must itemize charitable contributions in order to claim them as deductions.
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Part of the Pacific Northwest, Oregon is home to captivating landscapes like the Cascade Mountains and the Columbia River Gorge to Crater Lake and the Rogue River. No matter where you live in Oregon, you’ll have access to the state’s nature. But if you’re looking to live the mountain lifestyle, there are many Oregon mountain towns to explore.
At Rent., we’ve collected a list of the best mountain towns in Oregon to live in this year. From towns with views of the majestic Cascades to villages alongside rivers and lakes, there’s an Oregon mountain town for you. Let’s take a look at what cities made the list.
1. Ashland
Mountain range: Siskiyou Mountains
Average rent price: $1,674
Population: 21,070
Houses for rent in Ashland, OR
Apartments for rent in Ashland, OR
Homes for sale in Ashland, OR
Ashland is situated in the Siskiyou Mountains just north of the California-Oregon border. This region is brimming with natural beauty and outdoor activities, including spots like Siskiyou Mountain Park, home to trails like Toothpick Trail, White Rabbit Trail, and Four Corners Trail. This town is a haven for those who love the outdoors, offering easy access to Cascade-Siskiyou National Monument and Mt McLoughlin for hiking, skiing, and exploring.
Ashland is renowned for its vibrant arts scene, including the famous Oregon Shakespeare Festival. With a population of over 21,000, the town maintains a close-knit community vibe. Residents enjoy a variety of dining options, local shops, and parks, making it an ideal place for those seeking a blend of arts and outdoor living.
2. Bend
Mountain range: Cascade Mountains
Average rent price: $2,582
Population: 93,940
Houses for rent in Bend, OR
Apartments for rent in Bend, OR
Homes for sale in Bend, OR
Bend is a gem in the heart of the Cascade Mountains, offering breathtaking landscapes and a plethora of outdoor activities. It’s a paradise for adventurers, with Mount Bachelor, Oregon Badlands Wilderness, and Smith Rock State Park providing the perfect backdrop for skiing, rock climbing, and hiking. You can also check out spots like Newberry National Volcanic Monument, Pilot Butte State Scenic Viewpoint, and Tumalo Falls.
Bend’s vibrant community of nearly 94,000 people enjoys a mix of modern amenities and natural beauty. The town boasts an array of breweries, restaurants, and shops, alongside events throughout the year. With plenty of outdoor activities and access to state parks, Bend is an awesome Oregon mountain town to live in.
3. Canby
Mountain range: Cascade Mountains
Average rent price: $1,926
Population: 17,720
Houses for rent in Canby, OR
Apartments for rent in Canby, OR
Homes for sale in Canby, OR
Located within the majestic Cascade Mountains, Canby is a peaceful town that offers a serene living environment. Its natural surroundings like Molalla River State Park, provide ample opportunities for outdoor enthusiasts. With a population of over 17,000, Canby offers a small-town feel with the convenience of being close to larger cities, like Portland and Oregon City. The town is known for its beautiful parks, community events, and friendly atmosphere. You can enjoy the local farmers markets, historic sites, and the annual Dahlia Festival, making Canby a charming place to live.
4. Estacada
Mountain range: Cascade Mountains
Average rent price: $2,089
Population: 3,140
Houses for rent in Estacada, OR
Apartments for rent in Estacada, OR
Homes for sale in Estacada, OR
Estacada, set against the backdrop of the Cascade Mountains, is a quaint town that epitomizes the beauty of Oregon’s natural landscapes. Situated between Milo McIver State Park and Eagle Fern Park near the Mount Hood National Forest, Estacada is a dream for those looking to experience the outdoors. The town serves as a gateway to numerous hiking trails, fishing spots, and camping sites, like the Salmon River Trail and Timber Park.
Home to just about 3,000 residents, Estacada is big on charm and outdoor activities. The community has local festivals and events that bring residents together. Estacada’s housing options, combined with its scenic beauty, make it a great place for those looking to escape the hustle and bustle of city life.
5. Gresham
Mountain range: Cascade Mountains
Average rent price: $2,007
Population: 111,380
Houses for rent in Gresham, OR
Apartments for rent in Gresham, OR
Homes for sale in Gresham, OR
Gresham, a popular Portland suburb, lies in the shadow of the Cascade Mountains, offering a unique blend of urban and outdoor living. With a population exceeding 111,000, it’s a bustling community with a range of attractions, parks, and recreational activities. For example, Gresham is close to spots like Oxbow Regional Park, the Sandy River Delta, Rooster Rock State Park, and Dabney State Recreation Area.
The city’s proximity to both Portland and the great outdoors makes it an appealing location for those who appreciate city amenities and want to be close to the outdoors. Gresham’s residents enjoy a variety of dining and shopping options, alongside community events that showcase the city’s vibrant spirit.
6. Hood River
Mountain range: Cascade Mountains
Average rent price: $2,176
Population: 7,530
Houses for rent in Hood River, OR
Apartments for rent in Hood River, OR
Homes for sale in Hood River, OR
Hood River is a picturesque town located in the heart of the Columbia River Gorge, right at the foot of the Cascade Mountains. This town is a paradise for wind and water sports enthusiasts, thanks to its location on the Columbia River. You can also hike up to Panorama Point, and explore the Hood River Mountain Trail, and the Hood River Penstock Flume Pipeline Trail.
With a population of around 7,530, Hood River maintains a cozy, small-town feel, while offering a range of activities and amenities. The town is famous for its fruit orchards, vineyards, and the annual Hood River Valley Harvest Fest. Its scenic beauty, combined with outdoor adventures and local businesses, makes Hood River an enticing place for those seeking a vibrant community.
7. Klamath Falls
Mountain range: Cascade Mountains
Average rent price: $1,306
Population: 21,350
Houses for rent in Klamath Falls, OR
Apartments for rent in Klamath Falls, OR
Homes for sale in Klamath Falls, OR
Klamath Falls is a serene town located near the southern tip of the Cascade Mountains. It’s known for its stunning natural scenery, wildlife viewing opportunities, and outdoor recreation. For example, you can spend the day at Upper Klamath Lake and its waterfront parks like Moore Park or hike up Aspen Butte.
The town offers a peaceful lifestyle with a population of over 21,000, providing a close-knit community atmosphere. Klamath Falls is home to several parks and golf courses, and the famous Crater Lake National Park is just a short drive away. For those looking to enjoy Oregon’s natural beauty in a more remote area, then make sure to check out Klamath Falls.
8. La Grande
Mountain range: Wallowa Mountains and the Blue Mountains
Average rent price: $1,282
Population: 13,420
Houses for rent in La Grande, OR
Apartments for rent in La Grande, OR
Homes for sale in La Grande, OR
La Grande is a charming town nestled between the Wallowa Mountains and the Blue Mountains, offering stunning vistas and a peaceful atmosphere. La Grande is a hub for outdoor activities, including hiking, skiing, and fishing, thanks to its proximity to both mountain ranges. Some popular areas include Mount Emily Recreation Area, Hilgard Junction State Park, and Umatilla National Forest.
With a population of just over 13,000, it provides a small-town atmosphere with a strong sense of community. The town also boasts a vibrant arts scene, with galleries, theaters, and events throughout the year. Its picturesque setting and easy access to the outdoors make La Grande an appealing choice for those seeking a lifestyle amidst nature.
9. Newport
Mountain range: Siuslaw National Forest
Average rent price: $2,061
Population: 10,330
Houses for rent in Newport, OR
Apartments for rent in Newport, OR
Homes for sale in Newport, OR
Newport is located along the scenic Oregon coast, adjacent to the Siuslaw National Forest. This oceanside city offers a unique blend of coastal and forest living. This town is a haven for marine life enthusiasts, with the Oregon Coast Aquarium and numerous beaches where residents can explore tide pools, surf, and enjoy the sunset. You can also find hiking trails at Brian Booth State Park, Lost Creek State Recreation Site, and the Siuslaw National Forest.
Newport’s population of over 10,000 enjoys a vibrant waterfront scene with seafood restaurants, shops, and art galleries. The town’s lighthouse and historic bayfront add to its charm, making Newport a popular place for those seeking the tranquility of coastal life with the adventure of the forest.
10. Oregon City
Mountain range: Cascade Mountains
Average rent price: $1,925
Population: 36,200
Houses for rent in Oregon City, OR
Apartments for rent in Oregon City, OR
Homes for sale in Oregon City, OR
Oregon City is located at the edge of the Cascade Mountains and is a town rich in history and natural beauty. It’s known as the end of the Oregon Trail and offers a mix of historical sites, parks, and waterfalls that attract history buffs and outdoor enthusiasts. For example, you can visit spots like the Museum of the Oregon Territory, the Oregon City Municipal Elevator, the McLoughlin House, and the End of the Oregon Trail Interpretive Center.
With a population of over 36,000, Oregon City provides a blend of suburban and rural living, with easy access to Portland whether you work in the city or want a night out. The town’s vibrant community is home to a variety of local businesses, farmers markets, and cultural events, making it a welcoming place for residents.
11. Silverton
Mountain range: Cascade Mountains
Average rent price: $1,995
Population: 10,030
Houses for rent in Silverton, OR
Apartments for rent in Silverton, OR
Homes for sale in Silverton, OR
Silverton is a picturesque town located at the foothills of the Cascade Mountains, near the enchanting Silver Falls State Park. This town is a gateway to Oregon’s largest state park, where residents and visitors can enjoy over ten waterfalls, hiking trails, and picnic areas.
With a population of just over 10,000, Silverton maintains a cozy, small-town atmosphere, complemented by its historic downtown, murals, and gardens. You can also find The Gordon House by Frank Lloyd Wright, a unique site for residents and visitors. The town hosts several community events throughout the year, including the famous Brewfest at the Oregon Garden. Silverton’s blend of natural beauty, community spirit, and cultural attractions make it a top location for those wishing to live near Portland and close to nature.
12. Sisters
Mountain range: Cascade Mountains
Average rent price: $2,409
Population: 2,470
Houses for rent in Sisters, OR
Apartments for rent in Sisters, OR
Homes for sale in Sisters, OR
Sisters is a quaint town that embodies the spirit of the Old West, set against the stunning backdrop of the Three Sisters Wilderness in the Cascade Mountains. The town’s proximity to hiking, fishing, and skiing opportunities, makes it a great mountain town to call home. For example, you can check out places like Camp Polk Meadow Preserve, Pole Creek Trail, Dee Wright Observatory, and Skylight Cave.
Sisters is vibrant and full of life even with a small population of about 2,500. The town is famous for its annual Sisters Rodeo, quilt show, and folk festival, which draw visitors from all over. Sisters’ unique blend of natural beauty, events, and community warmth create a great atmosphere to call home.
Note, this list is not comprehensive of all the mountain towns in Oregon. Towns must have average rental data to be included on the list. Average rental data from Rent.com during September 2024. Population data is sourced from the United States Census Bureau.
You’ve heard a lot of campaign promises this election cycle, but the ones most directly impact your finances are tax cuts and credits.
Expand the Child Tax Credit.
Tax the wealthiest Americans and corporations.
Expand the tax deduction for new small businesses.
Expand the earned income tax credit.
Expand and make permanent the tax credit enhancements for Affordable Care Act plans.
Tax cuts that incentivize home builders to build affordable homes.
Extend the soon-to-expire 2017 Tax Cuts and Jobs Act.
End taxes on overtime and Social Security.
Applying across-the-board tariffs on all foreign imports; 60% on China; and 100% tariffs on cars made in Mexico.
Lower the corporate tax rate by one point to 20%. In his first term, he cut corporate tax rates from 35% to 21%.
Implement R&D tax credits for businesses in their first year — a reversal of his policy in the 2017 tax cuts.
Replace income taxes with his new import tariffs.
The undercurrent during the election is the looming expiration of 2017 tax cuts at the end of 2025. Garrett Watson, senior policy analyst with the Tax Foundation (a nonpartisan think tank), says the uncertainty of the future of those cuts is a big problem for both candidates.
“It would be a win to get some stability and certainty back into the tax code there, to get the permanence, even if it’s not necessarily what everyone wants, that would be a win,” says Watson. “The fact that we are seeing interest on the Hill for both candidates to do that would be a win. But I mean, that does really require more detail on how that might work.”
As far as how the candidates are tackling all aspects of tax code, Amy Hanauer, executive director of the left-leaning think tank Institute on Taxation and Economic Policy, says, “The big picture is the Harris approach raises more revenue; it raises it primarily from the wealthiest and corporations. The Trump approach puts us deeper in debt and gives a lot more away to wealthy people and corporations. Both of them, I think, have some proposals that would help middle class families on the tax side. But the Harris approach gives us more revenue to pay for things that middle class families might want.”
Most, if not all, of the candidates’ proposals would have to go through Congress before being enacted. The executive branch technically has the “power to tax,” but presidents rarely exercise that authority. Typically, the president will ask Congress to create and pass tax policies. With a divided Congress, it’s unclear what might have bipartisan appeal.
How would Trump and Harris’ tax plans affect the economy?
It’s highly unlikely that every tax proposal a candidate makes on the campaign trail will see the light of day. Nevertheless, available projections show what the anticipated outcome would be if all of the candidates’ proposals were adopted.
An analysis of both candidates’ tax plans by the University of Pennsylvania Wharton School projects that Harris’ tax proposals would increase primary budget deficits by more than $1.2 trillion on net from 2025 to 2034. Trump’s tax proposals would increase deficits by $5.8 trillion over the same 10-year period.
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On the whole, an analysis by the Tax Foundation says Harris’ plans would raise nearly $1.7 trillion in revenue over 10 years. During that time period GDP is projected to decline by 2%; wages would decline by 1.2%; and the equivalent of 786,000 full-time jobs would be lost.
The Tax Foundation says that Trump’s tax plans would lose revenue by $1.325 trillion over 10 years; GDP would decline by 0.2%; wages would increase 0.6%; and the equivalent of 387,000 full-time jobs would be lost.
Watson says it’s still unclear how Harris raises enough revenue to offset her tax cut plans, especially if she extends the 2017 tax cuts (her stance is not yet known). “Something that is easy to say is, ‘We’ll just cut all this money from high earners. Most Americans don’t pay a dime and we’ll get this all covered.’ That might be true on some margin, depending on how that works out.”
He adds, “It would be good to know what those offsets might look like so that we can figure out what their total fiscal costs would be, and what the actual tradeoffs are for Americans.”
As for Trump, Hanauer says, “He’s kind of looking to just intensify his previous approach, which is expensive tax cuts that definitely add to the deficit and the debt. And then tax cuts that go primarily to wealthy people and corporations,” she says. “He’s floated some other things and his vice presidential candidate has floated some other things. But in terms of concrete things, on paper, it’s a little bit more of the same.”
Tax plans: Harris vs. Trump
Here are some of the major tax changes that the candidates promise to deliver.
Individual income taxes and credits
Harris has pledged several taxes that would fall on the wealthiest Americans including increasing the net investment income tax up to 5% on those with incomes above $400,000 and increasing the highest tax rate on long-term capital gains to 28% on taxable income above $1 million. The Committee for a Responsible Budget, a nonpartisan think tank, estimates that the revenue from Harris’ taxes on the wealthy would be $900 billion over the period between fiscal year 2026 to fiscal year 2035.
For families, she also promises to expand the child tax credit: $6,000 for children under the age of 1; $3,600 for children ages 2-5; and $3,000 for older children. Hanuer says child tax credits are a big win for all families, especially for children being raised in poverty. “We know that that’s just a crucial time of life when kids will be better off for the rest of their lives if they’re raised in lower poverty,” she adds.
Additional policies include:
Permanently extend expanded premium tax credits.
No tax on tips.
Make expiring individual income tax cuts permanent.
Restore the cap on the State and Local Tax (SALT) deduction that allows taxpayers to reduce their federally taxable income by itemizing certain local and state taxes. It would be a reversal of Trump’s past position, since he was responsible for capping the deduction at $10,000.
No tax on overtime work. The Tax Foundation says the proposal is missing key details, but would reduce revenue. It would also likely change decisions that both employers and employees make about overtime.
No tax on tips.
Consider replacing the personal income tax with increased tariffs. Trump has proposed 10% to 20% tariffs applied across-the-board and 60% for China. See more on the potential impacts of his tariffs below.
Trump’s vice presidential pick JD Vance said he supports increasing the child tax credit to $5,000. On the campaign trail, Trump said parents of newborns would be able to deduct “major” expenses, but did not elaborate on what that entailed.
How Harris and Trump want to battle inflation and lower prices
Both presidential candidates are promising to give people what they want: to pay less money for most everything.
But whether Trump or Harris are capable of lowering prices is debatable. Experts say presidents aren’t usually the primary drivers of inflation in the economy; monetary policy has a much greater impact, as do fluctuations in the supply chain and good old-fashioned consumer demand. Read more about the candidates’ plans to lower prices.
Medicare and Social Security taxes
Harris has said she supports a Biden-proposed measure that would increase the Medicare tax from 3.8% to 5% on those with incomes above $400,000. This additional Medicare tax is only paid by high-income earners. Revenue is used to fund Medicare. The Tax Foundation estimates it would lead to a slight reduction in GDP, wages and full-time jobs. Watson says that adopting the 5% surtax for Medicare would help the Medicare trust fund’s solvency, at least “a bit,” but doesn’t address the Social Security side.
Trump, meanwhile, has floated eliminating the income tax on Social Security benefits altogether. Hanauer says Trump’s proposal would lower taxes by $550 on average, per household, but at the expense of the Social Security fund.
Social Security is taxed differently than other income. Currently, those who withdraw Social Security benefits must pay taxes on 50%-80% of their benefits, depending on income. Any income tax revenue from taxed income above a threshold amount ($25,000 for an individual or $32,000 for a married couple filing jointly) goes into the Social Security trust fund, which keeps the program running. But the Tax Foundation says that if Social Security is no longer taxed, it would reduce revenue going to Medicare and Social Security trust funds, which could speed up the funds’ insolvency.
The Social Security Administration projects that the combined trust funds are expected to run out as of 2035. Watson says, “Trump trying to exempt security income from tax puts us in exactly the wrong direction.” He adds that Harris’ lack of a detailed plan for Social Security presents a challenge as the U.S. inches closer to the trust funds being exhausted.
Tax Cuts and Jobs Act
The 2017 Tax Cuts and Jobs Act, a major revamp of the individual income and estate tax codes made under the Trump administration, is set to expire after 2025. The deadline means that whoever is elected will need to make a decision on what to do with the existing provisions. Trump has endorsed extending expiring provisions, while Harris has not been clear about what she would do.
During the campaign, Trump has said he would:
Make expiring individual income tax cuts permanent.
Consider replacing personal income taxes with tariffs.
The expiring Tax Cuts and Jobs Act delivered large tax cuts to those in the top 1% of earners — those earning above $800,000 a year. Hanauer says making the cuts permanent would “cut into revenue that could otherwise maybe be providing those larger child tax credits for middle income Americans and poor Americans, or that could be being used to reduce the national debt or to fund something new like child care or health care or infrastructure.”
The Tax Policy Center, a joint project of the think tanks Urban Institute and Brookings Institution, projected in 2017 that Trump tax cuts would most benefit the most wealthy. The Tax Policy Center’s models in 2017 showed that households with income in the top 1% are projected to receive a more than $60,000 tax cut in 2025 while households in the bottom 60% are expected to receive less than $500.
The Center on Budget and Policy Priorities (CBPP) said in a June 13 analysis, that the Tax Cuts and Jobs Act did not deliver the economic benefits that Trump promised. Among those promises was a claim that the corporate tax rate cut would boost household income by $4,000. The CBPP points to research showing that workers who earned less than $114,000 on average in 2016 didn’t see changes to their earnings, while high salaried workers saw increases.
Business taxes
Increase the corporate income tax rate from the current rate of 21% to 28%. The 21% rate was put in place by the 2017 Tax Cuts and Jobs Act. Higher corporate income taxes would mean a decline in economic growth, according to the Tax Foundation. It also means higher revenue for tax-funded programs. The Tax Foundation says corporate taxes lead to more GDP loss than gain in revenue. Wharton’s analysis projects that Harris’ corporate tax rate would bring in $1.1 trillion in new revenue, which would offset just under half of her tax cut proposals.
Increase the stock buyback tax from 1% to 4%.
Create a minimum tax of 25% on both realized and unrealized income — also known as capital gains — for those earning above $100 million. Capital gains would also be taxed at death.
Hanauer says increasing taxes on wealthy people and corporations is something most Americans want. “We have a lot of needs in this country,” she says. “A lot of corporations just pay far, far too little in taxes. There are corporations out there, large, profitable corporations that pay a tax rate of zero because of the deductions and things that they’re able to get away with and then support very wealthy individuals, too.”
For small businesses, Harris would increase the deduction for business startup costs from $5,000 to $50,000. Hanauer says it’s unlikely to be as effective as it sounds because many new businesses don’t earn enough to pay taxes so it would take time for businesses to become profitable before they can even claim the deduction. “We just don’t think that that makes as much sense as some other approaches,” she says.
Lower the corporate income tax rate from 21% to 20%.
Lower the corporate income tax rate to 15% for companies that manufacture products in the U.S.
Tax large private university endowments.
Hanauer says the corporate income tax proposals aren’t well-targeted; would increase income and racial inequality; and would send a “massive windfall” of $0.40 of every dollar to foreign investors because those investors own 40% of corporate stocks.
“It would really cost us a lot in revenue, which could reduce the ability of either party to execute on their spending priorities,” she says.
Trump and Harris embrace no-tax-on-tips, experts say it’s bad policy
Both presidential candidates are embracing the promise to exempt workers from paying taxes on their tips. But the problem with no-tax-on-tips proposals, experts say, is that they’re clearly a bid for votes rather than a substantive solution to address the fundamental needs of tipped workers.
Housing-related taxes
Harris plans to expand housing tax credits including a low-income housing tax credit; a credit for the construction of new homes; and a 25,000 credit for first-time homebuyers plus an even bigger amount for first-generation homebuyers. Trump hasn’t spoken to housing taxes.
Harris has pledged to cut red tape to increase construction of new housing, but it’s unclear how that would work from a federal level when most housing red tape is at the local level. Hanauer says new housing is going to be key to her tax credits being an effective policy. “If you just give a tax credit to new homebuyers, it could end up driving up the cost of housing,” she says.
A Wharton’s analysis of Harris’ tax proposals projects that 1.4 million homebuyers annually would benefit from down payment assistance. It would cost the U.S. $140 billion over 10 years.
Tariffs
One of Trump’s most controversial economic proposals is his plan to enact 10% or 20% across-the-board tariffs on foreign imports with a 60% tariff on China. Harris has not taken a position on tariffs, but the Biden-Harris administration did maintain the tariffs instituted by the Trump administration.
The Tax Foundation estimates that Trump’s tariff proposals could fail to offset tax revenue losses from his tax cuts. The foundation also says the tariffs could offset the potential economic benefits of those proposals resulting in a reduction in GDP growth. The tariffs could also lead to a rise in the deficit over time and, as a result, a reduction in American income. The foundation also says the tariffs could potentially spark or deepen foreign trade wars.
Hanauer says the Center for Tax Policy finds that Trump’s tariffs would cost the typical household $2,600 per year in price increases. “So it’s a substantial hit to families and it manifests itself much in the way that inflation does,” she says. “Basically every product that every household buys would end up costing more, with the net result at the end of the year being that families would end up paying about $2,600 more in household goods.”
Photos by Spencer Platt and Win McNamee/Getty Images News via Getty Images.
Northwestern Mutual to Award Record $8.2 Billion Dividend to Policyowners in 2025 Payout is expected to be the industry’s largest and more than triple the size of Northwestern Mutual’s nearest competitor Company’s legacy of returning value to policyowners stretches back more than 150 years and totals more than $160 billion MILWAUKEE, Oct. 1, 2024 /PRNewswire/ — … [Read more…]
In the scenic mountains near Tannersville, New York, a 31-acre property with a storied history, breathtaking natural surroundings, and oodles of rustic charm is now up for grabs.
The historic Catskills house dates back to 1903 and was once home to a beloved stage actress who turned it into a gathering ground for art lovers and creative minds, taking advantage of the home’s proximity to the famed artist and writers’ retreat, Onteora Club.
Known as Caddam Hill, the 31-acre Catskills property is a luxury retreat with a distinctly rustic feel, unlike anything we’ve seen recently — and it’s now up for grabs for $3,450,000.
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Newly listed for $3,450,000
Photo credit: Coldwell Banker Village Green Realty
The Catskills house is now being brought to market for $3,450,000 by the Coldwell Banker Village Realty office in Windham, N.Y., with Sharon Knudsen and Nadine Bechle in charge of the listing.
Public records show that the home last sold for $1,400,000 almost two decades ago, in 2005.
A peaceful retreat that transcends time
Photo credit: Coldwell Banker Village Green Realty
Located at 863 County Road 25 in Tannersville, New York, the 31-acre property is anchored by an 8,500-square-foot home with 6 bedrooms and 5 baths.
But its merits cannot be reduced to a list of specs, as the property’s generous acreage also comes with majestic mountain views, a trail system, a spring-fed pond, and sparkling streams.
“This estate transcends time,” says agent Sharon Knudsen. “The majestic mountain views and sparkling streams surrounding this Catskills home have made it a peaceful retreat for more than a century. You can just sit on the deck, watch the sunset, take in the quiet and breathe. That’s a comfort that never gets old.”
Built at the turn of the 20th century
Photo credit: Coldwell Banker Village Green Realty
The home traces its history all the way back to 1903, and its standout architecture hints at its storied past.
According to Nadine Bechle, “Caddam Hill was constructed by renowned architect George Reid with a beautiful mix of Arts & Crafts and Country French styles. His client was stage actress Maude Adams, whose fame in her time rivaled stars like Scarlett Johansson today.“
Once home to one of America’s greatest stage legends
Photo credit: Coldwell Banker Village Green Realty
Locally, the house is well-known as the former home of Maude Adams, recognized as one of America’s greatest stage legends (and one of the highest-paid actresses of her time).
A lauded producer and theatrical designer, Adams also worked with General Electric to invent new lighting technologies that were used both on-stage and off. She was most celebrated during her life for her stage portrayal of Peter Pan in the 1905 Broadway production.
It was part of the storied Onteora Club, the original Catskills artists’ retreat
Photo credit: Coldwell Banker Village Green Realty
The house was once part of the storied Onteora Club, the original Catskills artists’ retreat which, according to one of its founders, Frank Thurber, “grew by an accident of friendship, the human instinct for congenial companionship, the desire to draw people whom we loved into an almost unknown realm of beauty… Where we could build a camp or cabin and live the wild life for a little space.”
Maude Adams was a member of their club, pioneering the spirit of nature-inspired creativity that still characterizes the Catskills region today alongside other famous artists and writers, including Mark Twain.
Modern upgrades have not taken away from the house’s rustic charm
Photo credit: Coldwell Banker Village Green Realty
While the house has seen its share of upgrades over the years, it retains its historic and rustic charm.
“The history is very much present in this home, but it has been seamlessly updated for modern comfort and practicality in every way imaginable, without losing any of its prodigious original character,” listing agent Nadine Bechle tells us. “You can live there like a star in any era.”
Rustic meets luxury
Photo credit: Coldwell Banker Village Green Realty
Stepping inside the 8,500-square-foot home, wood-clad spaces and towering beamed ceilings greet residents and their guests with a timeless approach to luxury.
The great room retains the original woodwork
Photo credit: Coldwell Banker Village Green Realty
Caddam Hills’ stunning great room wows with its original woodwork, wooden beams, gleaming oak floors, and antique windows that take in the spectacular mountain views. Adding to the charm is a stone fireplace that completes the timeless design.
A well-appointed chef’s kitchen anchors it firmly in the 21st century
Photo credit: Coldwell Banker Village Green Realty
A tasteful kitchen brings a note of modernity without disrupting the home’s overall rustic design and features luxe appliances, vaulted ceilings, and a large kitchen island, with balcony doors opening to the home’s wrap-around deck.
More modern amenities
Photo credit: Coldwell Banker Village Green Realty
Other standout spaces and amenities include a billiards room, media room, gym, and a cozy bar.
See also: 13 of our all-time favorite Midcentury Modern houses (and some of their famous past owners)
An exquisite primary suite
Photo credit: Coldwell Banker Village Green Realty
Our favorite part of the house is the oversized primary suite, an elegant space that emanates warmth despite its size.
With several seating areas and a fireplace
Photo credit: Coldwell Banker Village Green Realty
Here, we find two extra seating areas, a stone fireplace, and generously sized windows to take in the beautiful surroundings.
Spaces to gather, reflect, and create
Photo credit: Coldwell Banker Village Green Realty
Throughout the 8,500-square-foot home, we find places that invite rest and introspection, with many of them hinting at a time long gone when technology and devices didn’t command our attention at every corner.
Just as many spaces to entertain
Photo credit: Coldwell Banker Village Green Realty
But there are also countless spaces meant to entertain guests and friends, from the charming bar to the sizeable dining room or billiards room.
Close to the biggest attractions in the Catskills
Photo credit: Coldwell Banker Village Green Realty
Caddam Hills is conveniently located close to some of the biggest attractions in the vibrant four-season Catskills community, including Kaaterskill Falls, Twilight Park, Hunter Mountain Ski Resort, the trails of Catskill Park, Colonial Country Club, Colgate Lake, and more.
It’s also within proximity to performing arts venues and celebrated restaurants, including the highly rated Deer Mountain Inn, located a few minutes away from the house.
Neighboring the Mountain Top Arboretum and the Hunter Foundation
Photo credit: Coldwell Banker Village Green Realty
The property’s acreage connects to the Mountain Top Arboretum (156 acres of protected land), the Hunter Foundation (136 acres), and the Onteora Club where Maude Adams once mounted theatricals with friends.
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South Carolina is a state rich in history, culture, and natural beauty. Whether you’re looking to rent in Charleston or searching for an apartment in Columbia, you’ll find there’s so much to love about this Southern gem. Living in South Carolina offers a variety of unique experiences, from beautiful beaches to thriving cultural scenes. Here are some fun facts about South Carolina that might surprise you.
1. South Carolina is home to the world’s largest sweet tea
The town of Summerville, SC boasts the world’s largest sweet tea. Locals created a giant glass in 2013 that could hold 2,524 gallons. Sweet tea is a popular drink throughout the South. It symbolizes hospitality and the relaxed lifestyle of the state. Visiting Summerville provides an opportunity to see this fun attraction.
2. Myrtle Beach has one of the longest piers on the East Coast
The Apache Pier in Myrtle Beach stretches more than 1,200 feet into the Atlantic. It’s a popular spot for fishing, walking, and sightseeing. Families love the views and activities available at this pier. Many visitors also enjoy the live entertainment nearby.
3. The state dance is the shag
Not every state has its own official dance, but South Carolina honors the shag dance as its official state dance. It originated on the beaches during the 1940s. Today, locals and visitors still enjoy dancing the shag at events and festivals. It’s a fun way to socialize and experience local culture.
4. The Angel Oak Tree is over 400 years old
Located on Johns Island, the Angel Oak Tree is a magnificent sight. This live oak stands 65 feet tall and provides 17,000 square feet of shade. Many consider it one of the oldest living things in the country. People come from all over to admire its beauty. Visiting the Angel Oak is a must when in the Charleston area.
5. South Carolina is known for its peaches
Georgia may get more publicity for its peaches, but South Carolina is the true peach leader. The state produces more peaches than any other on the East Coast. Locals enjoy fresh peaches in desserts and as a simple snack. The Peachoid water tower in Gaffney celebrates this fruity fame.
6. Congaree National Park has the largest old-growth bottomland hardwood forest
Congaree National Park preserves one of the most significant forests of its kind in the country. The park offers miles of hiking trails and stunning views. It is also home to many plant and animal species. Locals and visitors can enjoy activities like kayaking and bird-watching.
7. Brookgreen Gardens was the first public sculpture garden in the United States
Located in Murrells Inlet, Brookgreen Gardens opened in 1931. It features beautiful sculptures and lush botanical gardens. The founders wanted to showcase American figurative sculpture. Today, Brookgreen Gardens continues to inspire creativity. It is a peaceful place to explore art and nature together.
8. South Carolina has a popular attraction called Broadway at the Beach
Broadway at the Beach in Myrtle Beach is a major entertainment complex. It features shops, restaurants, and family-friendly attractions. Visitors can enjoy live shows, aquarium exhibits, and much more. The area also includes a fun carnival section for kids.
9. Hunting Island State Park has a beautiful lighthouse
The Hunting Island Lighthouse is a well-known feature of the state park. Built in 1859, the lighthouse stands at 136 feet tall. Visitors can climb its 167 steps to see stunning ocean views. It’s the only publicly accessible lighthouse in the state. Hunting Island is a historical landmark that also provides a perfect spot for beach-goers.
10. The state is known for its vibrant azaleas in spring
Azaleas bloom all over South Carolina during the spring months. The colorful flowers create a stunning display, especially in gardens and parks. Locals celebrate the blooming season with festivals and tours. Summerville holds an annual Azalea Festival each spring. The azaleas add vibrant beauty to South Carolina’s landscapes.
11. South Carolina is home to America’s oldest landscaped gardens
Middleton Place, located outside of Charleston, features the oldest landscaped gardens in the country. These gardens date back to 1741. Visitors can wander through the beautiful terraces and reflecting pools. It’s a peaceful and historic spot to enjoy nature. The gardens offer a glimpse into the state’s colonial past.
12. The Great Pee Dee River is a major waterway in the state
The Great Pee Dee River flows from North Carolina into South Carolina. It plays an important role in the history of the region. Many people enjoy outdoor activities like fishing and kayaking on the river. It’s also vital to the area’s natural ecosystem. The Pee Dee River provides both beauty and resources to the state.
13. South Carolina is famous for its Gullah culture
The Gullah culture of the Lowcountry has strong ties to African heritage. Residents preserve traditional crafts, language, and culinary customs. Many visitors enjoy learning about Gullah history through tours and events. The unique culture contributes significantly to the state’s identity. South Carolina honors and celebrates Gullah traditions year-round.
14. South Carolina has several islands known as the Sea Islands
The Sea Islands stretch along the coast, offering stunning views and unique cultures. Each island has its own charm, from Hilton Head to Daufuskie. Many people visit for the beautiful beaches and relaxed atmosphere. The islands are also home to the historic Gullah community. South Carolina’s Sea Islands are a peaceful getaway for many.
15. The capital city, Columbia, has a free zoo
Riverbanks Zoo and Garden in Columbia offers free entry for residents at specific times. It’s home to hundreds of animal species and beautiful botanical displays. Many visitors stop by to enjoy the educational programs and activities. It’s one of the largest and most popular attractions in the state.
Over the past several years, mortgage lenders have been offering “early bird” conforming loan limits for the upcoming year.
This allows them to make bigger loans that adhere to the underwriting guidelines of Fannie Mae and Freddie Mac without them being considered jumbo loans.
Instead of waiting until January 1st, they make a projection for where the loan limit will land the next year and offer it around the fourth quarter.
For example, in early October 2023 some lenders raised the 2024 loan limit to $750,000 ahead of the announcement that came in late November.
That loan limit wound up being $766,550, which meant the lenders who offered the higher loan limits ahead of time didn’t get caught out.
But that only worked because home prices kept on marching higher and higher.
Some Lenders Are Already Offering 2025 Conforming Loan Limits as High as $803,500
Like last year, lenders haven’t waited for the conforming loan limit announcement in late November to raise it.
And this year it has come even earlier than in years’ past. It has actually become a sort of game between competing mortgage companies to be the first out of the gate.
Rocket Pro TPO, the wholesale division of Rocket Mortgage, was first to come out with the 2025 loan limits this year.
On September 13th, they announced a limit of $802,650, up from the current limit of $766,550. This represents a 4.7% increase.
While that seems like a fairly reasonable estimate, home price appreciation has been slowing this year.
At last glance, home prices as measured by the FHFA HPI were up 4.5% from July 2023 to July 2024.
To come up with the conforming loan limit, the FHFA uses home price movement from the third quarter of the prior year to current year (see FAQ).
So we need the August and September data before they can make that determination.
Since the YoY appreciation is currently below the 4.7% needed to hit those projected 2025 loan limits, the next two releases will need to show home prices rising at a faster clip. What if they don’t?
What Happens If Home Prices Fall Short and the 2025 Loan Limits Are Lower?
Remember how I said this has become a game between lenders to see who comes out with the loan limits first? Well, it has also become a game of who goes highest.
And it appears that the nation’s largest lender, United Wholesale Mortgage (UWM), has won that battle.
They weren’t first, but they came out with the highest 2025 loan limit, offering to fund loans up to $803,500 for the remainder of 2024.
That’s a 4.8% YoY increase in home prices. Not much different than Rocket’s, but well above some other mortgage lenders who are playing it a little safer.
For example, Rate (formerly Guaranteed Rate) has only offered to go as high as $792,000, while Pennymac is only willing to go to $795,000.
Inside Mortgage Finance writer James Dohnert expressed some concern with these varying limits, noting that “it’s possible that some origination shops shot too high.”
And that if the actual 2025 loan limits come in below what these lenders are currently allowing, any of the related conforming loan production would “inherently turn into non-agency product.”
At that point, these lenders would either need to keep the loans on their books or perhaps sell them at a discount (maybe a loss) if they wished to unload them.
They wouldn’t qualify for backing by Fannie Mae or Freddie Mac, meaning they couldn’t be sold to or guaranteed by the pair.
This could present problems for the lenders who do a decent amount of volume using these new provisional loan limits.
It may also change how they offer early bird limits going forward if home prices do indeed come in lower than expected.
Given how home prices have been screaming higher and higher each year, it has yet to be a problem.
But this could finally be a turning point as housing affordability finally weighs on appreciation.
Stay tuned on this one. It might get interesting.
Which Lenders Are Already Offering 2025 Conforming Loan Limits?
Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
A 529 plan is a popular way to help pay for college. But it can also be used for private school to help cover the cost of tuition.
There are rules and restrictions about 529 private school use, and where you live can make a difference. If you’re considering private education for your child, here’s what you should know about 529 plans.
Saving for Private School Tuition
The cost of private school is substantial: The average K-12 tuition is $12,350 a year, according to the Education Data Initiative.
A 529 savings plan is an investment account that’s designed to help families pay for a student’s education expenses. Although a 529 is primarily meant to be used for college expenses, up to $10,000 from a 529 can be applied to K-12 private school tuition, as long as your state considers it a qualifying expense. This is one of the many 529 plan benefits that families can take advantage of.
Recommended: Prepaid College Plans by State
When to Establish a 529 Plan for Private Education
If you’re expecting your child to go to college, you may want to open a 529 savings plan for them. Parents, relatives, and friends can all make contributions to the plan. 529 plans can help students pay for college tuition and related qualifying expenses so they won’t need to take out as much in federal and private student loans.
One of the advantages of a 529 is that money in the account can grow over time, especially if you open it when your child is young. As of mid 2023, the national average account balance for 529 savings plans was $27,741, according to the Education Data Initiative.
Another perk of a 529 plan is the tax benefits that come with it. There is no federal income tax on earnings and qualified withdrawals from the plan. In addition, your state might also offer income tax benefits on contributions to a 529.
However, using a 529 for private school means you may end up depleting some of the funds that would otherwise go toward your child’s college expenses, so it’s wise to be strategic about this option. For example, if your oldest child decides they don’t want to go to college after all and they’re currently in private school, you could use the 529 account to help cover their private school cost. Or if you’re at risk of overfunding the account beyond your state’s 529 contribution limits, using some of the money in the 529 for private school can make sense.
If you use a 529 for private school and your child then has less money for college costs, there are financial aid options that can help. You can explore scholarships and grants, and federal and private student loans.
Recommended: SoFi Scholarship Search Tool
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How to Use a 529 Plan for Private School
There are rules about using a 529 to fund a child’s private school tuition. Make sure you understand the following:
State Eligibility Restrictions
Your ability to use a 529 tax-free for private school depends on the state you live in. Not all states consider elementary and secondary private school tuition as a qualifying education expense. If your state treats private school tuition as a non-qualifying expense, you might face additional tax on any withdrawals you make.
States that don’t consider distributions for private school as a qualifying expense include California, Nebraska, and New York to name a few. Check the rules for your state.
529 Plan Qualified Expenses
When 529 withdrawals are used for college costs, the list of qualified expenses (meaning those that don’t incur taxes or penalties) is broad. Tuition and fees, textbooks, school computers, lab equipment, and room and board are all considered qualifying college expenses by the IRS. But with private schools, qualified expenses are restricted to tuition fees only.
Tax Considerations
A 529 plan is a federal tax-advantaged savings vehicle. Earnings grow tax-free and 529 distributions up to $10,000 annually for private school tuition are not taxed.
However, non-qualified withdrawals, such as using 529 funds to pay for private school uniforms or taking out more than the $10,000 limit for tuition, are subject to federal income taxes and might incur other 529 plan penalties.
Some states offer tax deductions or credits on 529 contribution amounts, but a number of states do not. California, for example, doesn’t consider private school tuition a qualifying 529 expense. The earnings portion of a 529 withdrawal used for private school is subject to California income tax, and an additional 2.5% tax applies.
To be eligible for contribution-related tax benefits in certain states, you must have opened the state-sponsored 529 plan. If you opened an out-of-state 529 plan, you might not be able to claim your state’s 529 tax perks.
529 Withdrawal Checklist to Pay for Private School
Before using a 529 to pay for K-12 private school tuition, take the following steps.
1. Verify Your State’s Rules
It’s important to understand your state’s rules and restrictions regarding 529 withdrawals for private school tuition. For example, you may need an in-state plan to qualify for tax benefits.
Also, find out if your state treats private school tuition as a qualifying expense for tax deductions or not.
2. Discuss the Withdrawal With a Tax Professional
Speak to a trusted tax professional to review how using a 529 for private school might impact your taxes. They can offer guidance based on your specific financial situation and state’s rules so you’re not caught off-guard with a greater tax liability than you expected.
3. Initiate a 529 Withdrawal
Some 529 plans let you request a withdrawal online. Others might require you to contact the plan’s administrator to start the withdrawal process. Typically, the funds can be disbursed directly to your child’s private school, but there may be an option to disburse them to the account owner.
The Takeaway
A 529 plan allows you to invest in your child’s education. While these plans are a popular way to help save for college, you can use 529 savings to help pay for your child’s K-12 private school education with certain caveats. The funds can only be used for private school tuition, and no more than $10,000 can be withdrawn tax-free. Some states don’t consider private school tuition as a qualifying expense, which could result in an added tax liability on your state tax return. Double-check your state’s 529 rules.
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FAQ
Can you use a 529 to pay for private K-12 and college education?
A 529 can generally be used for private schools, including religious K-12 schools. Up to $10,000 of your 529 savings can be used toward K-12 tuition each year.
Can you use a 529 plan to pay private student loans?
Yes, you can use a 529 plan to repay private student loans. However, a lifetime cap of $10,000 of qualified student loan repayments can be repaid using 529 funds.
Can 529 plans only be used at in-state schools?
You can use a 529 for private school tuition as long as the institution is an accredited private college, university, trade school, or graduate or professional school.
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As the leaves begin to change and a crispness fills the air, Denver, CO transforms into a vibrant autumn playground. From stunning parks adorned with fiery foliage to local festivals celebrating the season, there’s no shortage of hidden gems to enjoy in the Mile High City. From nature lovers to foodies, to arts enthusiasts, Denver offers many fun-filled things to do that capture the ever-so-stunning spirit of fall.
Whether you’ve just settled into your new home in Denver, CO, are on the hunt for the perfect apartment, or are seeking a rental to experience your first Colorado fall, join us as we discover the beauty and excitement of fall activities in Denver.
1. Explore fall farms
As the vibrant autumn colors create a stunning backdrop for outdoor activities, exploring a fall farm in Denver is a delightful way to experience the season come alive. Visitors can wander through pumpkin patches, enjoy hayrides, and participate in apple picking, all while soaking in the crisp, refreshing air. Many farms also offer seasonal events like corn mazes and craft markets, making it one of the perfect fall activities in Denver for families and friends.
Take a holiday wreath workshop
Making a holiday wreath at Yetman Farms is a charming way to embrace the festive spirit while enjoying the beauty of nature. Backed up to Bear Creek Trail, the farm makes you feel like you’re in the middle of the countryside, enjoying an evening in the fields.
To create your own wreath, they use flowers grown right on the farm to celebrate the season. Each personal arrangement reflects the vibrant colors and textures of nature, making your creation truly unique.
Meet the farm animals
With the fields alive with the vibrant colors of autumn, the farm animals roam happily, their coats thickening for the colder months. Chickens cluck around, pecking at fallen leaves, while goats playfully butt heads amid the pumpkin patches.
Home to 175 animals, The Urban Farm is the ideal destination for those looking for a place to see them in their habitat. It’s a perfect time to watch the animals interact, enjoying the bounty of the season together.
Learn about sustainable farming
As harvest time approaches, learning about sustainable farming at SustainEd Farms is a fascinating way to see how farms utilize eco-friendly practices to enrich the soil and conserve water. The vibrant autumn landscape serves as a reminder of how sustainable methods not only benefit the environment but also produce healthy, delicious food for the community. Each lesson learned under the golden hues of fall deepens appreciation for the balance between agriculture and nature.
Celebrate harvest
Ekar Farm’s Sukkot and Harvest Festival is a vibrant celebration of community, sustainability, and the bounty of the season. With pumpkin carving, apple cider making, and activities for all ages, the festival highlights the beauty of nature and the importance of supporting local agriculture. With its sustainably grown fruits and vegetables, it’s the perfect fall destination to connect with the local community.
2. Cozy up with a cocktail at La Forêt
Cozying up with a cocktail at a French restaurant in Denver is the perfect way to escape the chill of fall. The warm ambiance at La Forêt invites you to unwind as you warm up with a bowl of their French Onion Soup or savor their rich Stag au Poivre. Indulge in the cozy forest atmosphere during their ‘Pastis Hour’ and enjoy discounted drinks inspired by the French pastis tradition.
3. Unleash your creativity
A fall art class is a wonderful way to embrace the season’s creativity and warmth. Surrounded by vibrant autumn hues, you can explore new techniques while drawing inspiration from the changing landscape outside. It’s a chance not only to hone your skills but also to connect with others who share a passion for art, all while enjoying the cozy atmosphere that this time of year brings.
Take a watercolor and acrylic class
One of the top fall activities in Denver is attending a fall-themed watercolor and acrylic art class for adults at RemainReal Fine Art Gallery. It’s a perfect way to get creative with friends or as a unique date night. After class, explore the vibrant Santa Fe Arts District, one of the many Denver neighborhoods, where you can peruse local galleries, grab a bite at a nearby restaurant, or enjoy a cozy coffee from a local café surrounded by the district’s artistic energy.
Create your own immersive piece
Located in the walkable neighborhood of Baker, Fleur is a creative space that offers art classes and workshops led by local makers. A woman-owned and operated studio, Fleur curates immersive experiences where participants can dive into a wide range of creative projects from jewelry making to textile arts, stained glass making to natural dyeing. Known for its inclusive and welcoming space, Fleur is the perfect spot to explore new skills and craft something special this fall.
4. Find fall treasures
Thrifting for cozy sweaters at Gone for Good Thrift Store in Denver is a delightful way to embrace the season’s warmth and style. As you sift through racks of gently used garments, the thrill of discovering a unique, oversized knit or a vintage cardigan adds to the excitement.
The soft textures and rich autumn colors invite you to imagine all the cozy outings ahead, from pumpkin patch visits to evening bonfires. Each find feels like a treasure, perfect for layering on chilly days while enjoying the charm of fall fashion.
5. Savor autumnal brews
Denver is known for its vibrant coffee scene, boasting a diverse array of artisanal roasters and cozy cafes that cater to both connoisseurs and casual sippers alike. Start your morning at Nixon’s Coffee House and a latte to fuel up before heading to Washington Park. With the trees turning golden and the crisp air energizing your walk, fall is the perfect time to take a stroll through the park with a warm apple chai in hand.
Just a short distance from the park, an inviting coffee shop such as Nixon’s Coffee House offers a comforting spot to warm up, study, or relax after enjoying some fall activities in Denver.
6. Bike ride to see the fall foliage
Taking a bike ride to see the fall foliage in Denver is a refreshing way to soak in the season’s beauty. The crunch of leaves under your tires adds to the experience, making each turn feel like an autumn adventure. Pausing to take in the breathtaking views, you can truly appreciate the magic of nature’s transformation during this enchanting time of year.
Lindsey Sozio, founder of Lavender Coffee Boutique, recommends, “One of our favorite fall activities in Denver is to go for a bike ride along the scenic Highline Canal Trail to take in the stunning autumn foliage.
Sozio continues, “Afterward, we look forward to unwinding and cozying up at the Lavender Coffee Boutique’s outdoor patio, where we sip on the warm fall drinks while reminiscing about our ride.”
7. Shop local harvests at a farmers market
A farmers market in the fall is an amazing way to experience the sights and scents of the season. With the aroma of fresh baked goods and spices, it’s a perfect opportunity to connect with local farmers and taste seasonal produce.
“Fall Sundays at the South Pearl Street Farmers Market are a true Denver delight. The crisp air, vibrant produce, and warm community vibes make for the perfect autumn outing,” says Alexandra Eitel, operations manager at Sanctuary Chai.
Eitel also recommends heading over to the patio at Steam Espresso Bar after meandering through the market to warm up with a delicious spiced chai.
Go apple picking
Apples are quintessentially tied to fall, embodying the season’s spirit with their vibrant hues and crisp textures. To dive into this ripe fruit of the season, go “apple picking” with Ela Family Farms at many of the local farmers markets. With varieties such as Swiss Gourmet, Honeycrisp, and Hubbardston Nonesuch, there’s something to delight every palate.
8. Experience haunted thrills
Visiting a haunted attraction during fall is a thrilling experience that ignites the spirit of the season. As you step into the eerie atmosphere, the suspense builds with every creaking door and flickering light. Scares in spine-chilling costumes jump out from dark corners, sending shivers down your spine. The adrenaline rush of navigating through haunted mazes and chilling encounters makes for unforgettable memories, wrapping you in the excitement and spookiness that the spooky season brings.
Swamp scares
Stepping into The Ritual Haunted House feels like crossing into another realm. The dimly lit paths wind through wooden beams as you walk through the swamp. Each corner reveals scenes of shadowy figures and eerie artifacts, immersing you in a nightmarish tale that keeps your heart racing until the very end. It’s a haunting journey that lingers long after you escape the depths of the swamp.
Haunted house
Named one of the scariest haunted houses in the country, 13th Floor has haunts that will leave you shaking in your boots. With Mini Escape Games, secret bars, and a Zombie Shooting Gallery, the scares at this spooky experience are sure to leave you with nightmares. Each attraction unveils a new horror, from ghostly apparitions to sinister surprises that leap out when you least expect them. As you navigate the twisting passages, the tension builds with every step, making you wonder what awaits around the next corner in this heart-pounding descent into darkness.
Photo courtesy of 13th Floor Haunted House
9. Do as the lumberjacks do
Take on a thrilling twist to the season and channel your inner lumberjack at American Paintball Coliseum with axe throwing and paintball adventures, perfect for those looking to add some excitement to their fall activities in Denver. Perfect your aim while hurling axes at wooden targets, feeling the rush of each successful throw. Afterward, diving into a paintball match adds an exciting layer of competition, where strategy and teamwork come into play.
Together, these activities offer a unique blend of skill, camaraderie, and a taste of rugged outdoor fun that’s sure to create lasting fall memories.
10. Take in the views at a park
As the landscape of the parks in Denver transforms into a tapestry of vibrant colors, the cool, crisp air invites leisurely strolls along tree-lined paths, where golden leaves crunch underfoot.
“One of our favorite activities is a fall goodie picnic at Cheeseman or City Park,” shares Jocasta Hanson with Honey Elixir Bar. “Grab a tasty tea or coffee, some fall-flavored snacks, a cozy blanket, some of your besties, and spend the day soaking up the sun before the rain starts.”
It’s the perfect time to enjoy a picnic, take in the serene beauty, or simply relax on a bench while soaking up the autumn sunshine.
11. Illuminate the night at Magic of the Jack O’ Lanterns
Magic of the Jack O’Lanterns is the perfect way to usher in the fall season, offering a captivating experience that celebrates the beauty of autumn. With thousands of hand-carved pumpkins lighting up the garden, it’s a magical experience for families, couples, and friends to enjoy.
The walk-through display is filled with intricate designs, spooky scenes, and creative lighting that make every turn feel like a new discovery. It’s the kind of event that gets everyone into the festive spirit while enjoying the beauty of the autumn season outdoors.
12. Craft with the seasonal materials
Engaging your loved ones in the fall season by using seasonal materials to create home crafts is a fantastic way to help kids embrace the festivities.
Julia Grace Yusuf, president of MOMS Club of Denver shares one of her family’s favorite fall activities in Denver, “We grab a cozy cup of coffee and walk over to the park to let the kids play at the playground. Afterwards, we collect the changing fallen leaves for a handprint leaf collage art project.”
Gathering a variety of leaves becomes a fun adventure, as you search for unique shapes and textures to use in your creations. Once home, the possibilities are endless—whether you’re making leaf rubbings, wreaths, or decorations, each craft serves as a beautiful reminder of the enchanting fall days spent outdoors.
Must-do fall activities in Denver: Final thoughts
As the vibrant colors of fall paint the Colorado landscape, there’s no better time to immerse yourself in the season’s unique charm by adding to your Denver bucket list. From scenic hikes and cozy festivals to bright fall foliage, Denver offers a wealth of activities to enjoy. Embrace the crisp air, gather with loved ones, and make unforgettable memories as you explore all that autumn in the Mile High City has to offer.