Clean

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One of the best things about spring cleaning is all the room it frees up for redecorating! Out with the old, in the new, as they say. We made a list of the 11 best home decor items at Target that will not only add a little extra flair and character to a space, but also won’t cost you hundreds of dollars. Check out our list below.

The 125 Best New Beauty Launches Of 2023

Target

1. Brass Wall Clock

While smart phones provide the time with a simple glance, we mustn’t forget the charm of an analog clock. This 14-inch Pleated Brass Round Analog Wall Clock with a gorgeous Antique Finish from Heart & Hand is the perfect addition to a wall that just needs a little something extra. Plus, it’s on sale for $27.99! Hang it in a bedroom, living room kitchen, even a bathroom to add some character and dimension to the room.

Target

2. Woven Storage Baskets

Some of the best home decor items are functional too. Like these Banana Leaf Storage Baskets from the brand Olivia & May. Settle these into a cozy corner in the living room and fill them with extra blankets, tuck them under an entry-way table and fill them with shoes, or use them in the bedroom as hampers. With tons of different ways to use these baskets, they’ll not only upgrade your decor, but the functionality of your home, too. You can get a three pack of these stunning baskets for $100—grab them while they’re still in stock!

Target

3. Fun Candles

Everyone loves a candle—part of elevating a space is certainly elevating the smell of the space. While it’s easy to pick a candle based off the scent, it’s also easy to spend a little extra time picking out a candle that’s visually appealing too. Like this funky blue candle from Opalhouse, which is only $10, or this ceramic sage green candle from Threshold, if that’s more your vibe. Make your house smell good, and look good!

Target

4. Plant Propagation Set

For anyone with a green thumb, this plant propagation set is the perfect item to add a little greenery to a space. Even if you struggle to keep house plants alive, don’t be scared of this wall-hanging set, because you don’t need to water these! Simply fill up the vials with water and place clippings of your favorite plants and watch them grow. You can get these propagation set from Magnolia for only $23.99! With gorgeous gold accents, it adds so much to a space!

Target

5. Funky Throw Pillow

Sometimes all a room needs is a pop of color, and one way to do that is with funky throw pillows like this one! This Textured Tufted Square Throw Pillow by Opalhouse, designed with Jungalow, comes in two colors—rust and blue. Each has tons of fun textures and colors, and simply by tossing them on your couch or chair, the room gets an added layer of character. On sale for $25 right now, this is a great addition to any home.

Target

6. Ceramic Lamp

Lamps provide crucial lighting for a space, but it’s just as crucial to make sure the design of the lamp adds to the space, too. This 23-inch Farmhouse Ceramic Urn Pot Table Lamp is 40% off right now, and comes in six different colors, distressed black, distressed grey, earth brown, terracotta, light blue, and beige. The textured look of the base adds just as much depth to a room as it does light. Bring yours home today—or even get a matching set!

Target

7. Statement Wallpaper

If you’re feeling bold, go for an accent wall or bathroom with fun and colorful wall paper! Beige and neutral is out, and fun, vibrant, colors are in! Like this peel-and-stick Tropical Green wall paper from Opalhouse. Splash it on one wall in a bedroom or living area for a fun accent wall, or dedicate a whole bathroom or laundry room too it to really add some color to your life. Go big or go home, right? You can get a set of this wall paper for only $34, a much cheaper alternative to having it professionally done!

Target

8. Woven Placemats

Instead of leaving your kitchen table clear of anything, set out some decorative placemats to make the whole room look more homey. Plus, it’ll encourage you—and hopefully your family—to let less clutter gather there, making it easy to keep clean. These boho-chic woven placemats come in a set of 2 for only $10, and add so much character to a space. You can even take it one step further and set up a whole table-scape!

Target

9. Floral-Printed Rug

Another way to add some depth and color to a room is with a colorful or printed rug. This Floral Block Printed Blue Rug from Threshold comes in three different sizes, 2′ x 3′, 5′ x 7′, and 7′ x 10′ depending on how big your space is. If you’re more of a neutral furniture and decor kind of person, but are still looking for a pop of color, this rug could be the answer! The smallest size is only $25—budget friendly and stunning!

Target

10. Unique Vases

Flower vases don’t have to be clear! Try out a unique vase to hold your next bouquet of flowers, adding in a little extra pizazz to a space. Like this gold ribbed one from Threshold, which is only $25, or this modern and funky blue one, which is only $30. It could be your pop of color or a tie in to a color you’ve already picked for the room. Either way, it’s a great deal, and it’s an easy way to add a little character to any space.

Target

11. Coffee Table Books

Home decor can be personalized, too! While these can sometimes be a little pricey if you think about them as a book, if you think of it more as a piece of art or decor, paying a little extra for a coffee table book about a topic that interests you is really worth the money. Like this stunning black-and-white Tom Ford book, which is currently 44% off. Whether it’s the best beaches in America, foods from all over the world, or even a personalized, homemade coffee table book documenting your favorite memories, these are the perfect addition to your coffee- or end-table.

Target

12. Full Length Mirror

The final item on our list is another functional decor moment: the Wooden Mirror with Ladder from Threshold. With this item, you’re fulfilling the need for a mirror—which can really open up a space, btw—and making it easier to store your throw blankets, rather than leaving them a crumpled mess on the couch. This mirror and ladder combo is on sale for $60, so grab yours while it’s still in stock!

Source: shefinds.com

Apache is functioning normally

Following his recent retirement from the winemaking business, former NFL star and College Football Hall of Famer, Terry Hoage has put his renowned Paso Robles winery on the market.

The 26-acre estate, located in the prestigious Willow Creek District, is listed at $7 million. It includes a luxury main residence, a guest house, and a fully operational winery, all of them surrounded by 17.5 acres of mature vineyards known for producing award-winning Rhône varietals.

Together with his wife Jennifer, an accomplished interior designer, Terry Hoage has cultivated this vineyard into a celebrated part of the local wine community over the last 20 years. The property features a 3,000-square-foot winery fully equipped to produce up to 3,000 cases annually — and even includes a tasting room.

Now, one year after the couple announced they’re retiring from winemaking, Jennifer and Terry Hoage have listed their 26-acre estate for sale. Jenny Heinzen with Vineyard Professional Real Estate holds the listing.

About the owners

Terry Hoage enjoyed a successful 13-year career in the NFL as a safety, playing for teams like the New Orleans Saints and Washington Redskins. He was recognized as an All-American during his college football days with the University of Georgia Bulldogs.

After retiring from professional football in the late 1990s, Hoage and his wife Jennifer moved to California’s Central Coast and discovered a passion for winemaking. In 2002, they purchased a 26-acre vineyard in Paso Robles and launched TH Estates Wines, specializing in Rhone varietals like Syrah and Grenache.

TH Estates Winery owners Jennifer and Terry Hoage giving a tour of their winery in 2010. Photo credit: Youtube

Over the next 20 years, the Hoages built TH Estates into an acclaimed producer of small-batch wines, earning praise from publications like Wine Spectator. They grew the majority of their grapes onsite at their Willow Creek vineyard.

The couple recently announced their retirement from winemaking after two decades in the Paso Robles wine community. Though bittersweet, they felt it was time to embark on their next chapter and announced the closure of TH Estates Winery in 2023.

The vineyard

Photo credit: Triston Ioppini / Trimotion Media

The heart of this property is the 17.5-acre vineyard planted with Rhône varietals including Syrah, Grenache, and Mourvèdre. These grapes thrive in the Willow Creek terroir and are highly sought-after by renowned Paso Robles winemakers.

The vineyard’s prized fruit contributes to many critically acclaimed wines that sold out year after year. With an approved winery permit to produce up to 3,000 cases annually, this vineyard offers endless possibilities for future owners as passionate about wine as the Hoages.

The winery

Photo credit: Triston Ioppini / Trimotion Media

The property features a full-scale winery and tasting room situated among the rolling vineyards.

At 3,000 square feet, the custom winery provides ample space for wine production and storage. It operates under a use permit allowing for up to 3,000 cases of wine to be produced annually on-site. The permit also enables the winery to conduct public tastings in the dedicated tasting room.

With climate-controlled barrel storage and professional equipment already in place, the winery provides a turnkey operation.

Award-winning wines

The Hoages found success right out of the gate with TH Estates Wines. Their first vintage in 2004 of The Hedge Syrah earned acclaim, dedicated to Terry’s former University of Georgia coach Vince Dooley. This demonstrated the vineyard’s potential for premium Rhone varietals.

In the years that followed, Terry and Jennifer’s wines continued to shine, consistently earning outstanding ratings from top critics. Their limited production pinot noir and Rhone blends became highly coveted.

Photo credit: Triston Ioppini / Trimotion Media

Robert Parker’s Wine Advocate awarded 98 points to the Hoages’ 2013 Decroux, describing it as “one of the finest wines ever produced from Paso Robles.” Grapes grown on the estate sell for premium prices to prestigious local producers like Saxum, Turtle Rock, and Torrin.

Clearly the vineyard’s complex soils and ideal microclimate translate to fruit with incredible character and depth. TH Estates brought Paso Robles to the forefront of California’s Rhone movement.

The main house

The opulent main residence is a licensed vacation rental with luxurious details and amenities throughout. Designed by Jennifer Hoage herself, no expense was spared.

Photo credit: Triston Ioppini / Trimotion Media

The interiors

The home features 3 spacious ensuite bedrooms, each with private patios to enjoy the scenic vineyard views.

The open floor plan is ideal for entertaining, with expansive windows flooding the home with natural light. Custom touches include luxe cumaru wood floors, an art gallery system, and a steam shower to unwind after a day of wine tasting.

Photo credit: Triston Ioppini / Trimotion Media

Stepping inside

The gourmet kitchen truly is the heart of the home. Custom cabinetry paired with white macaubas quartzite countertops provide a clean, modern aesthetic. Top-of-the-line Wolf range and professional series appliances make cooking a dream.

Photo credit: Triston Ioppini / Trimotion Media

Attention to detail abounds, from the wine cooler to multiple sinks and spacious walk-in pantry. A large 14-foot island seats 7 comfortably for casual dining. The formal dining room continues the upscale entertaining space with a contemporary mooii pendant lighting the table, and wine storage built right in.

Photo credit: Triston Ioppini / Trimotion Media

Practical amenities make everyday life a breeze, including whole house water filtration, a water softener, zoned AC/heating and a Lutron lighting system. This smart home has all the modern conveniences to match its luxurious style.

Property amenities

Beyond its wine-making capabilities, the 26-acre estate offers a bounty of fruit trees, olive trees, and berries throughout the property.

Photo credit: Triston Ioppini / Trimotion Media

There is also a sustainable pond for irrigation. Outdoor amenities provide plenty of opportunities for fun and relaxation. A heated saltwater pool and spa with seating for 8 is perfect for lounging on sunny days.

The stylish patio off the kitchen includes an outdoor kitchen with a firepit and BBQ, ideal for alfresco dining and entertaining. And for some friendly competition, there is a custom bocce court on the grounds.

Why sell now?

After 20 successful years immersed in the Paso Robles wine industry and community, owners Jennifer and Terry Hoage have decided to retire and pursue new adventures.

Photo credit: Triston Ioppini / Trimotion Media

The couple started their winemaking journey in 2002, after Terry’s prolific football career, when they purchased the 26-acre parcel that would become their Willow Creek vineyard and winery.

Over the past two decades, the Hoages built TH Estate Wines into an acclaimed producer of Rhône varietals and Pinot Noir that gained a cult following. They were hands-on in every aspect of the business.

Ready for a new chapter

As Terry shared, “Knowing that a book is only so long, we are now planning for a new chapter in our book of life.” While bittersweet, the Hoages are looking forward to what’s next after these invigorating decades in wine.

Photo credit: Triston Ioppini / Trimotion Media

“We have been extremely blessed to have both had two successful careers participating in exciting and invigorating endeavors,” said Jennifer Hoage. “We were fortunate to receive wonderful support from the Paso Robles community and spectacular club members that helped propel us on this journey.”

After celebrating immense success in the NFL and later as vintners, the Hoages are ready to embrace retirement and discover what life has in store next for them. Though they’ll miss being part of the Paso Robles wine community, they’re excited to see what new adventures await.

The opportunity

Photo credit: Triston Ioppini / Trimotion Media

The couple’s decision to part ways with their longtime winery opens up a rare opportunity for one lucky buyer to build upon the reputation and success that Terry and Jennifer Hoage achieved during their 20-year winemaking career here.

The property offers a move-in ready luxury main home along with 26 acres of established vines, a licensed winery, and tasting room.

From the vineyard and winery to the stunning home, all the hard work has been done — now is somebody else’s chance to reap the rewards. And for those seeking a turnkey wine country lifestyle, 870 Arbor Road checks every box.

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Source: fancypantshomes.com

Apache is functioning normally

Fewer things are more comforting than a crackling fire on a chilly day, but what happens when your chimney needs a little TLC? Repairs generally cost between $160 to $750, with an average repair running around $455, according to HomeAdvisor. But the amount you end up paying will depend on several factors such as the type of repair needed, your chimney’s materials, and labor costs.

Even if you only light your fireplace for part of the year, you’ll want to fix any chimney problems as soon as you can. A damaged chimney could increase the risk of a fire or prevent toxic gasses from passing safely into the air outside.

Here’s a closer look at common chimney repair costs so you can plan accordingly.

Factors That Impact Chimney Repair Cost

If a chimney is well maintained, you can expect it to last for 50 to 100 years. Still, it’s a good idea to carve out space in your household budget for occasional maintenance and repairs. When you’re planning how to pay for the fixes, keep in mind that several different factors can impact your chimney repair costs.

Type of Repair

The type of repair can impact the overall cost of a project. For example, capping repair usually involves replacing the very top cap on your chimney. This type of project typically costs between $150 to $300, according to HomeAdvisor.

Another common repair is fixing the mortar and bricks in a chimney. The job might entail tuckpointing, which incorporates two different mortar colors to make the chimney look newer. Masonry chimney repair costs usually cost between $300 and $1,500, while prefab chimneys cost less because they have fewer components. The job typically costs between $250 and $1,200.

Lining repair involves fixing the chimney liner, which, when cracked, can pose a fire risk. Chimney liners cost between $625 to $7,000, with a national average of $2,500.

Recommended: What Are the Most Common Home Repair Costs?

Type of Chimney

Chimney types vary by material, and this can impact how much a repair costs. Four common types of chimneys include brick, stucco, metal, and prefabricated.

Depending on how much damage there is, brick chimneys cost $175 to $1,000 on average to repair, though you can expect to pay more for more significant work. If you’re fixing a metal and prefabricated chimney, plan on paying in the neighborhood of $200 to $1,200, depending on how extensive the damage is.

Have a stucco chimney? You’ll likely need to pay more to have it repaired. Projects typically run between $570 to $1,920, though bigger jobs can run as high as $4,200.

Labor

Professional chimney repairs usually cost between $50 and $200 per hour. That said, the more damage there is, the harder the damaged area is to reach, and the more time a project requires, the more you may end up paying in labor costs.
💡 Quick Tip: With home renovations, surprises are inevitable. Not so with SoFi home improvement loans. There are no fees required, and no surprises.

Additional Costs

A repair may not be the only cost you encounter. Chances are, you might also pay for routine chimney inspections, chimney cleaning, ongoing maintenance, and permits.

Chimney Inspection

Whether you’re buying a fixer upper or renovating your current home, you should plan on having your chimney inspected by a professional once a year. The condition a chimney is in determines the type of inspection it needs. There are three levels of inspection:

•   Level one inspection: A level one inspection is an annual routine inspection and typically costs between $100 and $950.

•   Level two inspection: A level two inspection goes a step further to include a more extensive investigation into potential structural issues caused by recent damage. It costs between $200 and $1,000.

•   Level three inspection: A level three inspection looks at every part of a chimney, inside and outside, which may require taking out walls or portions of the chimney. It costs between $500 and $5,000.

Chimney Cleaning

Cleaning a chimney typically runs between $120 and $390, or an average of $250. If your chimney has not been maintained well, there may be heavy creosote buildup or other damage. This could lead to a higher clean-up bill of up to $5,000.

Ongoing Chimney Maintenance

All chimneys need regular maintenance. Depending on the type of upkeep required, you may pay for a simple cleaning (an average cost of $250). But if a chimney repair contractor finds that your chimney restoration needs more attention, you could pay more.

Permits and Related Fees

Once you find a contractor and finalize your plans, work can begin. Keep in mind that before constructing or changing the outside dimensions of a structure, your contractor will need to secure a building permit. A building permit generally costs $50 to $300 for small jobs.

Types of Chimney Repairs

From the crown to the flashing, we’ll look at the various parts of the chimney and what it might cost to fix each one.

Stack Repair

The chimney stack is the part of the chimney that appears above the roof. Chunks of missing masonry, crumbling brickwork, and visible cracks can signal that your chimney stack needs to be repaired.

Mortar Repair

Mortar acts as a buffer between the bricks in a chimney. But that buffer can crack and deteriorate from movement and pressure, so pay attention to how your mortar looks from year to year.

Repair could involve repointing and/or tuckpointing. Repointing means removing and replacing damaged mortar joints, while tuckpointing uses two different colors of mortar to make the mortar joints look different.

Crown Repair

The crown is the top part of the chimney and prevents rainwater from getting into your chimney. Typically made of concrete, the crown should be checked for visible cracks, deterioration, wall damage, and pooling water.

Cap Repair

Chimney caps, usually made of steel or copper mesh, sit on the crown at the very top of the chimney. The cap covers the flue, or the duct that allows smoke to leave the chimney. Caps also keep rainwater, animals, and debris from entering the chimney. Missing tops, rusted screens, creosote accumulation, and screen holes can all indicate that your chimney cap needs attention.

Foundation Repair

Chimneys often have their own foundations, but they sometimes settle. This could allow moisture, critters, and other items to enter your home. Look for a crumbling foundation, which might also present fire hazards and falling bricks and mortar.

Liner Repair

A chimney liner, or flue liner, is the vertical passage located inside your chimney that carries fumes to the outdoors. Similar to an exhaust pipe, the flue keeps wasteful gasses from spreading into your chimney cavity.

There are some signs that yours may need a replacement, including finding broken shards and flakes of parts of your chimney and smoke in your home. It’s a good idea to consider replacing your chimney liner if it’s older. Less-expensive models should last up to five years, while a well-constructed liner can usually be counted on for up to 20 years.

Wood Rot Repair

Wood rot can compromise your home’s structural integrity and affect any part of the chimney that has wood in it: the crown, cap, or flue liner. Indications of wood rot might include discoloration or staining, a musty smell, cracks in the wood, and evidence of pests.

Smoke Chamber Repair

The smoke chamber refers to the part of the chimney located just above the damper and connects the firebox to the flue. It guides smoke from a fire up into the flue and out of your home. Since many smoke chambers contain steps, gaps, and holes, they can contain flammable creosote and soot buildup.

Flashing Repair

The flashing of a chimney joins the roof to the chimney and is made of aluminum, steel, copper, vinyl, or PVC. The flashing should last 30 years. But if there’s damage, you could end up with leaks in the roof due to rusting and corrosion, animals, loose caulk and gaps, and wear and tear.

Flue Repair

A flue is any open, vertical part of the chimney that lets smoke escape. (Don’t confuse this with the chimney liner, which lines the flue.) Signs the flue needs attention may include broken shards and flaking and smoke in your home.

Cricket Repair

A chimney cricket, also called a roof cricket, sits behind your chimney and looks like a tiny peaked roof. It juts off the main roof and sits directly against the backside of the chimney to divert water from the masonry. Water stains on the ceilings or walls, rafters near a chimney or damaged mortar and bricks or rotten wood can identify whether the chimney cricket is working or not — or if you need a chimney cricket and don’t have one. (Tip: Chimneys that are 30 inches or larger need a cricket.)

Brick Replacement

Brick replacement may involve replacing just a few bricks — or redoing the entire chimney. Note that if the bricks are in areas that are hard to reach, a professional may charge more for the job.

Siding Repair

If you have a chimney made of siding, it can be at risk for rotting, swelling, and deterioration. Even if it looks good from the ground, a “diseased” chimney could be rotten and cause water to enter your home through the roof or ceiling.

Repairing vs Replacing a Chimney

The extent of your chimney’s damage determines whether you should have it replaced or simply repaired. However, there are some clear signs that indicate you may need to completely replace your chimney:

•   Large cracks in the bricks

•   White streaks on the bricks

•   Spalling bricks (bricks falling down)

•   Tilting

Even if some of those indications are present, it’s a good idea to consult with a professional to know exactly what to do next about your fireplace chimney repair.

Signs You Need a Chimney Repair

Indications you need a chimney repair include cracks that appear, smoke blowback, leaks, leaning, or spalling bricks. Let’s walk through what these might mean.

Cracks

Cracks in the chimney’s masonry can signal that it needs attention. Cracks can lead to gas seeping into your home, which can increase the risk of carbon monoxide poisoning. Excess moisture, earthquakes, or other weather events; hail; acidic decay; wind; and hot or cold temperatures usually cause cracks to appear.

Smoke Blowback

Smoke blowback creates a safety and health hazard. Not only could your house sustain a fire, but you could also face carbon monoxide, volatile organic compounds, polycyclic aromatic hydrocarbons, and other pollutants in your home. There are several causes for smoke blowback, including a blockage in the chimney or even a home that’s too well insulated.

Leaks

Chimney leaks are a common problem. When your chimney drips water or you see moisture in the fireplace or surrounding walls, you may also see attic and wall damage. The chimney itself may have a leak, or the roof may leak. For example, the chimney cap or crown may be damaged, bricks or mortar may have issues, the flashing may not be working properly, or condensation may have built up in the chimney.

Leaning

Exposure to all sorts of weather can cause the mortar joints in a chimney to decay. This causes bricks to loosen and the chimney to lean. Other reasons for leaning include a lack of footings and shifting soil. A leaning chimney doesn’t just look bad — it can also pose a safety risk and may even collapse.

Spalling Bricks

Spalling brick refers to bricks that flake, pit, or crumble and fall away from the masonry. Small cracks usually start and grow larger until the brick completely deteriorates. Improper mortar, weather, improper insulation, non-breathable masonry sealants, cleaning with a pressure washer, and impact to the bricks can all cause spall. Spalling poses a safety risk — there’s a possibility the structure collapses and damages the rest of the roof.

Shaling Tiles

Have you noticed pieces of flue tiles accumulating at the bottom of your chimney? This may be the result of shaling, which is a sign that your flue tiling is damaged. A professional can use special equipment to confirm whether there’s an issue, identify the problem spot,and offer potential solutions.
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Can I Repair My Chimney Myself?

Depending on the issue, fixing a chimney can take a big bite out of a homeowner’s budget, but there are several ways to finance the cost of chimney repair. For instance, you may decide to dip into emergency savings, use a credit card, take out a personal loan, or turn to your homeowners insurance.

Or, depending on your situation, it might make sense to explore a cash-out refinance, a home equity line of credit (HELOC), or consider emergency home repair financing options. As you make your decision, it’s a good idea to compare the interest rates and the pros and cons of each type of financing.

You may also be tempted to attempt to tackle the work yourself and save some money in the process. Though many home improvement projects may be appropriate for the DIY-er, chimney work is not one of them. You assume serious risks when completing a chimney repair yourself — the same kinds of risks you’d face repairing a roof. Even if you can overcome those risks, you’ll still have to know how to repair the chimney. And certain tasks, such as a complete chimney replacement, require advanced knowledge of the mechanics of a chimney.

Recommended: How to Pay for Emergency Home Repairs, So You Can Move on ASAP

The Takeaway

A well-maintained chimney is designed to last for decades, but that doesn’t mean it won’t require the occasional repair or maintenance. Repairs typically cost between $160 to $750, though that price depends on a range of factors, including the type of chimney you have, the work being done, and labor costs. But chimney upkeep is an important line item to include in the budget because there are potential safety risks involved when repairs aren’t made.

When it comes to financing chimney repairs, homeowners have several options, including homeowners insurance, dipping into an emergency fund, and taking out a personal loan.

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

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

FAQ

When should I replace my chimney?

You may never need to replace your chimney as long as you live in your home, since chimneys can “live” up to 100 years. However, if you live in an old home or can see issues with your chimney, consult a chimney repair contractor, who can determine whether it needs to be replaced.

How often should I clean my chimney?

The National Fire Protection Association (NFPA) suggests having your chimney cleaned and inspected once per year by a chimney sweep. You should also have your chimney swept at least once per year. A professional can ensure that everything is in working order.

What qualifications should I look for in a chimney repair contractor?

Hiring a professional with the right credentials is important, so look for certifications by the National Fireplace Institute (NFI), Chimney Safety Institute of America (CSIA), and Certified Chimney Professionals (CCP). Check a chimney repair contractor’s Better Business Bureau (BBB) rating. Ask for a portfolio and recommendations, and confirm that the company is insured.

How do I compare quotes from different chimney repair contractors?

Get several quotes from various contractors in your area and compare them apples to apples. The cheapest one may not be the best fit for the job. For example, one contractor may offer a more thorough repair than another for, say, brick chimney repair costs. Ask for a list of services and a detailed list of the costs involved before you decide on the contractor. It also doesn’t hurt to ask friends and neighbors for recommendations.

Are there any permits or inspections required for chimney repairs, and how much do they cost?

A building permit typically costs $50 to $300 for small jobs, though it may depend on where you live. Once you find a contractor, they should be able to answer your questions about the costs of a building permit.

Will my homeowner’s insurance cover the cost of chimney repairs?

If your home is damaged by a covered loss, your insurance will cover the cost of chimney repairs. For example, your insurance will likely provide coverage if lightning strikes your chimney and ruins the brick and mortar. However, if your chimney has been neglected and causes a fire in your living room, your homeowner’s insurance may not cover the damage. Ask your insurance carrier for more information about your specific situation.

How can I finance the cost of chimney repairs?

Consider a variety of different types of financing, from using your credit card to taking out a personal loan from a lender (such as your mortgage lender). Also consider emergency home repair financing options, a cash-out refinance or a home equity line of credit (HELOC). Compare the interest rates, pros and cons of each type of financing, to determine which type of financing works best for you. For example, if you know you will have a repointing chimney cost on your hands, consult with at least five contractors and get prices, then ask your bank or credit union for more information about financing options.

Are there any tax breaks available for chimney repairs?

Generally, home repairs, such as fixing a broken chimney, are not tax deductible. However, a home improvement, such as adding a chimney to your house, may be tax deductible. Check with an accountant for more information.

How can I ensure my chimney repair project stays within budget?

Put together a budget so you know exactly how much you can afford to spend on your chimney repair. Keep in mind that the chimney repairs cost could run you between $160 to $750, with an average repair cost of $450, to fix your chimney. Chimney rebuild costs will likely cost the most. Check with an experienced contractor in your area to learn about your project’s costs, and be sure to get a list of costs ahead of time.

What are the risks of not repairing my chimney?

Leaving chimney issues unchecked can result in a number of safety hazards, including fatal fires, carbon monoxide poisoning, and other toxic chemicals. To help you spot and address problems early on, consider getting an annual inspection recommended by the NFPA. A professional chimney inspection could uncover a chimney repair problem you can’t see from your living room or from the ground.

Photo credit: iStock/arak7

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Source: sofi.com

Apache is functioning normally

Have you ever wondered, “Should I move to Boise, ID?” Located in the heart of the Treasure Valley, Boise offers a blend of urban amenities and outdoor adventures. With its vibrant downtown, thriving arts scene, and proximity to the beautiful Boise River and foothills, this city always has something new to explore. Whether you’re a foodie, outdoor enthusiast, or culture connoisseur, Boise has it all. In this article, we’ll discuss the pros and cons of living in Boise to help you decide if it’s the right place for you. Let’s dive in.

Boise at a Glance

Walk Score: 38 | Bike Score: 62 | Transit Score: 23

Median Sale Price: $510,000 | Average Rent for 1-Bedroom Apartment: $1,425

Boise neighborhoods | Houses for rent in Boise | Apartments for rent in Boise | Homes for sale in Boise

Pro: Access to outdoor activities

Boise is a haven for outdoor enthusiasts and offers a plethora of activities. Popular activities range from hiking and biking on the Ridge to Rivers trail system to kayaking and fishing on the Boise River. The city’s proximity to Bogus Basin provides residents with easy access to skiing and snowboarding in the winter months. Additionally, the expansive greenbelt along the river offers miles of scenic paths for walking and biking. This makes it easy for locals to enjoy the natural beauty of the area while staying active.

Con: Rising cost of living

As Boise has grown in popularity, the cost of living has also risen. In fact, the cost of living in Boise is 5% higher than the national average. Additionally, home prices and rents have seen significant increases. Median home sale prices are about $100,000 more than the national average. While Boise’s cost of living is still lower than in some larger metropolitan areas, the recent trends have raised concerns about long-term affordability.

Pro: Dynamic downtown area

Boise’s downtown area is a bustling hub of activity, offering a mix of cultural, dining, and shopping experiences. The city boasts an array of local restaurants, craft breweries, and coffee shops, alongside unique boutiques and stores. Cultural attractions such as the Boise Art Museum, the Idaho State Capitol building, and a variety of theaters add to the downtown charm. The area’s lively atmosphere is further enhanced by regular events, including the Boise Farmers Market and the First Thursday art walk.

Con: Limited public transportation options

One of the drawbacks of living in Boise is the limited public transportation options available. With a Transit Score of 23, public transit routes and frequencies may not meet the needs of all residents, particularly those living outside the downtown area. This can make it challenging for individuals without a car to navigate the city efficiently. The reliance on personal vehicles contributes to traffic congestion and parking difficulties in the more popular areas of Boise.

Boise is often praised for its strong sense of community and friendly atmosphere. Residents are known to be welcoming and supportive, creating a close-knit feel that can be hard to find in larger cities. This sense of community is fostered through various neighborhood associations, community events, and local initiatives that encourage participation and engagement among residents. Whether it’s through volunteering, attending local events, or simply knowing your neighbors, Boise offers a warm and inviting environment.

Con: Air quality concerns

Despite its natural beauty, Boise sometimes struggles with air quality. Especially during the summer months when wildfire smoke from surrounding areas can drift into the city. This can obscure the scenic views and potentially pose health risks, especially for individuals with respiratory issues. Inversions in the winter can also trap pollutants near the ground. This leads to periods of poor air quality that contrast sharply with the city’s otherwise clean and fresh atmosphere.

Pro: Low natural disaster risk

Compared to many other parts of the United States, Boise has a relatively low risk of natural disasters. The city is not prone to hurricanes, tornadoes, or significant earthquakes, which can offer peace of mind to residents concerned about natural disasters. This stability contributes to a sense of security and makes Boise an attractive place to live for those looking to avoid the stress and potential dangers associated with higher risk areas.

Con: Limited nightlife options

While Boise does offer a variety of entertainment options, the city’s nightlife and entertainment scene may not be as extensive or varied as those found in larger cities. People looking for a wide range of late-night entertainment options, from dance clubs to live music venues, might find the offerings in Boise somewhat limited. This can be a drawback for those who prioritize a bustling nightlife in their choice of where to live.

Pro: Extensive biking infrastructure

With a Bike Score of 62, Boise boasts a network of bike-friendly routes, trails, and amenities. This makes cycling a convenient and enjoyable mode of transportation and recreation for many residents. The city features dedicated bike lanes and shared pathways along major roads and streets, enhancing safety and accessibility for cyclists of all skill levels. Moreover, the city’s commitment to promoting cycling is evident through initiatives like Boise Bike Week, which encourages residents to participate in biking events, workshops, and activities aimed at fostering a bike-friendly community.

Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.

Source: rent.com

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In today’s world, where urban living often means embracing smaller living spaces, maximizing every square foot becomes paramount. Whether you’re residing in a cozy apartment in Minneapolis, MN, a rental home in Overland Park, KS, or a compact studio in Springfield, MO, the art of space-saving is essential for creating a comfortable and functional environment. From clever storage solutions to strategic furniture arrangements, navigating limited square footage requires creativity and ingenuity. In this article, we’ll explore a myriad of practical tips and tricks to help you make the most out of your small space, allowing you to live large even in compact quarters.

1.  Built-in storage to optimize every inch of your space

Emer Gillespie, founder and director of modern and contemporary lighting store Spark & Bell,suggests utilizing built-in storage solutions such as recessed shelving, under-stair storage, and custom cabinets to fully optimize your space. This approach not only enhances functionality but also ensures a tidy and organized appearance, allowing you to make the most of every inch of your home or office.

“Built-in lighting is also key,” emphasizes Gillespie. “You can achieve this by either wiring it in behind the storage units or incorporating plug-and-switch lights. This approach eliminates the need to call in electricians for extensive rewiring, saving both time and money. By strategically placing lighting within your built-in storage, you can illuminate your space effectively without compromising on aesthetics or functionality.”

2. Get the most out of your furniture 

Prioritizing functionality is essential for crafting a practical living environment within limited space. Below, two furniture experts share insights on selecting the ideal pieces to optimize your home’s layout and functionality.

Utilize multi-purpose pieces

“One of the reasons why we love Danish furniture is its multi-function capabilities and ability to blend in with many styles,” says Jackie Williams, Furnish Me Vintage, offering restored and original mid-century modern and Danish furniture. “Integrate minimalist Danish furniture effortlessly with vintage or contemporary decor. Opt for a teak credenza, serving as both a sleek media center with ample storage and a chic addition to your space. Explore the versatility of expanding draw-leaf dining tables, seamlessly transitioning from compact daily use to expanded settings for gatherings. These tables also double as convenient work desks, ideal for home offices. Danish furniture excels in maximizing utility, offering ingenious solutions for space-constrained European homes.”

Employ the floating furniture technique

“To maximize space in your home, try employing the ‘floating furniture’ technique, which involves positioning furniture away from walls to establish a fluid, open layout,” suggests John Adams of Fine Furniture Los Angeles. “Additionally, it allows for versatile use of space, fosters creativity in layout design, and creates opportunities for focal points. Ultimately, incorporating this technique enhances the perceived spaciousness and livability of your home.” 

3. Sometimes more storage isn’t useful

While it may seem counterintuitive, excessive storage can sometimes lead to clutter if not strategically utilized. Jacqueline Chen, founder and interior designer at The Glade Design weighs in on how to appropriately incorporate storage solutions. 

“Having lots of storage might not always be the best idea,” says Chen. “Instead of prioritizing quantity, consider the functionality and accessibility of your storage spaces. Evaluate your daily routines and movement patterns within your home to identify areas where storage would be most beneficial. Opt for storage solutions that align with these usage patterns, placing them in convenient locations to streamline organization and minimize clutter buildup.”

4. Clear out unworn clothing items

Ever find yourself overwhelmed by your closet? An overflowing one leads to frustration and inefficiency, adding clutter and disarray to your living space, which affects your overall well-being. We hear from several personal stylists on how to declutter and organize your closet effectively, reclaiming space and restoring a sense of order to your home.

Slowly purge items you no longer love

“The simplest way to maximize space in your closet is to clear out your unworn items,” states personal style expert Elysha Lenkin. “Set aside 30 minutes to sort through your wardrobe, pulling out any pieces you haven’t worn for over a year. Move these pieces to the front to make them more visible. Every day, select one of these pieces and decide whether to wear it that day or clear it from your closet. This daily routine not only optimizes closet space, but also helps you reconnect with your clothes and curate a more functional wardrobe that contributes to preserving the additional space you’ve created.”

Keep your closet neat and tidy

Gab, NYC-based and virtual personal stylist at Wardrobe Editor, advises starting with a cleanout when building an organization system around a smaller wardrobe. “Remove items that don’t fit, are damaged, or don’t make you feel good. Organize each category (tops, sweaters, jeans) together in a designated space, ensuring neatness by hanging or folding items uniformly. Store less-used or seasonal items in less accessible areas, prioritizing easy access for frequently worn pieces.”

Display clothes for the current season only

“I advise all of my clients to only keep seasonally appropriate clothes in their closet,” shares image consultant and personal shopper Katherine Rose of Capsule Wardrobe Stylist. “This minimizes clutter and decision-making fatigue, allowing for seasonal wardrobe curation. Store out-of-season items in canvas garment bags in a designated storage space at home.”

Review your wardrobe with a critical eye

“If you’re short on space, consider going through your wardrobe with a critical eye,” says Tara Williams, Certified Image Consultant/Personal Stylist at Style Elevation With Tara. “Most people only wear 20 percent of their wardrobe 80 percent of the time. That means a lot of clothes are taking up closet space and creating decision fatigue. Ask yourself the following questions when deciding whether to keep an item: Does this fit? Have I worn it in the last year? Does this represent who I am now, in this season of my life? Do I love it?”

5. Opt for smaller furniture

“In compact living spaces, furnishing poses a unique challenge due to the diverse needs of everyday living,” explains David King, president and CEO of  DōMA Home Furnishings in St. Petersburg, FL and Tampa, FL. “In a narrow living room, every piece of furniture matters. Opt for slender tables, wall sconces, and compact seating like tight-back sofas or club chairs to save floor space. Choose wall-mounted shelves and floating desks instead of bulky furniture. Divide the space with furniture, such as a smaller sofa in the center, flanked by a convertible console table and smaller dining chairs, creating a versatile and intimate area.” 

6. Utilize vertical space

Maximizing vertical space offers numerous benefits for organization and functionality within a room. Denise Allan, a Certified Professional Organizer at Simplify Experts in Seattle, WA, emphasizes the advantages of utilizing bookshelves. 

“It is great to use your vertical space well with bookshelves,” shares Allan. “I prefer those with cabinet doors below and shelves above to avoid excessive visual clutter, minimize noise, and ease dusting. A golden rule of organizing is to not fill spaces, drawers, or cupboards over 80% full, you need some empty space to make retrieval of items easy.”

7. Use the back of the door in the bathroom

“Struggling with limited storage in a small bathroom?” asks Susan Stewart, owner and professional organizer at Perfectly Placed St. Louis, MO. “Utilize the back of the door with an organizing system like the Elfa from The Container Store, featuring versatile baskets perfect for towels, bath toys, and other essentials. You can find options in various sizes that offer customizable storage solutions to optimize your space.” 

8. Purge and declutter

Over time, we gather possessions that may outlive their usefulness, often without noticing the gradual clutter accumulating in our homes. It’s natural to hang onto items for their potential future utility. However, overlooking the clutter can take a toll on our mental well-being and our usable space. We hear from professional organizers on hacks to keep clutter at bay.

Practice the one-in, one-out rule

“You control your space, not the other way around, so choose to be picky about the things you own,” advises Kammy Lee, professional organizer at Organized By Kammy in Chicago, IL. “Avoid defaulting to accumulate ever-growing collections by using the ‘one-in, one-out’ rule, limiting once-a-year items (such as Halloween mugs and Valentine’s Day towels), and specialized purpose items (such as juicers, breadmakers). Let go of ‘someday’, ‘meh’, and ‘just in case’ items, and fill your space with only the things you truly need, use, and love.”

Create a donation station

“The key to maximizing a small space is owning items you truly love and use,” explains Mary Ann, professional organizer at Find Your Gold. “Create a donation station — whether it’s a box, bin, or bag—and easily declutter as you go about your daily routine. Once it’s full, drop off donations, return items, pass along to friends, or prepare items for sale. Your donation station serves multiple purposes beyond just donations.”

9. Establish a nightly home reset routine

“Your living space can instantly feel more organized if you commit to resetting it each evening,” explains Anne Lunsford, professional organizer at Simply Easy Organizing in North Carolina. “Tidy up your space by putting away stray items and completing kitchen tasks. Prepare for the next day by creating a to-do list and gathering the necessities for tomorrow. With consistency, this 5-10 minute routine will keep your space organized and cultivate positive habits that will spill over into other aspects of your life.”

By tidying up regularly, you prevent clutter from accumulating, making your space feel more spacious and organized. Additionally, a nightly reset allows you to start each day with a clean slate, reducing stress and promoting a sense of calm in your living environment. This routine also ensures that essential items are readily accessible, saving time and effort in your daily activities.

10. Choose similar colors

Jacqueline Chen of The Glade Design suggests incorporating bold colors sparingly, focusing on one or two key elements, while maintaining the majority of the palette in neutral tones.

“Picking items with similar colors can make a room feel larger than it actually is,” emphasizes Chen. “If you’re into bold colors, try limiting them to just one or two items, and keep the rest in neutral tones. This not only makes those bold items stand out, but it also creates the illusion of a bigger, tidier space.”

11. Opt for the minimalist approach

“The minimalist choice, in furniture and decoration, is fundamental if we are facing small spaces,” shares interior designer Sergio Nistico. “When it comes to furniture and decoration, prioritize essentials. Opt for a strategically placed, sizable painting over numerous small objects. Consider structural interventions like combining the kitchen with the living room to create larger usable spaces, complemented by a suitable color scheme. Choose furniture with dual functions, such as a breakfast table that doubles as a workspace, to maximize space efficiency.”

12. Be mindful of what’s in your space

Give thoughtful consideration of every item’s purpose and value within your living environment while prioritizing functionality and ensuring that each object serves a specific need or brings joy to your life. Below are expert strategies from organizing and cleaning professionals to help you make intentional decisions about your belongings.

Minimize belongings on display

“You can maximize your space by being very mindful of what’s in it,” explains Brittany Overstreet, Owner and Lead Organizer at Organize with Brittany serving South Carolina. “Ideally, your horizontal surfaces like counters and dresser tops should only house items that you use daily while your display shelves should only contain items that have sentimental value. If possible, nothing should be touching your floor except furniture. Bonus! Picking up or cleaning will be so much easier when you have less to put away or clean around.” 

Keep your space clutter-free

“The key to maximizing your living space is to keep it simple,” states Cleany NYC. “Don’t try to cram too many items into your area, and focus on creating a clean, clutter-free environment. Designate zones for specific activities and keep items related to those activities within their respective areas. Implement a regular tidying routine, like dedicating 15 minutes each day to quickly clean and organize one part of your home, to keep clutter from building up. Additionally, adopt a digital mindset by scanning and storing documents and photos electronically, reducing the need for physical storage.” 

13. Embrace a cleaning routine

Cleaning and decluttering are essential for small-space living because they help maximize the available space and create a more organized and functional environment. Here’s expert advice from professional house cleaners on the most effective methods for maintaining a tidy household.

Keep your home clutter-free

“To maximize space in your living area, embrace a regular decluttering routine to keep unnecessary items at bay,” suggests Comforts Cleaning Services in Chula Vista, CA. “Utilize vertical storage solutions like shelves or wall-mounted organizers to free up floor space or incorporate multifunctional furniture pieces such as ottomans with hidden storage or sofa beds to optimize functionality without sacrificing space.”

Set a monthly cleaning schedule

“Integrate both cleaning and decluttering into your regular routine,” advises Poiette Noel

Owner/Executive Manager at No More Dust Maid Services in Baltimore, MD. “Start by setting a monthly schedule to sort through and remove items that are no longer needed or used. As you declutter, clean the newly freed-up spaces before rearranging remaining items, which can often uncover additional storage opportunities. Regularly cleaning and decluttering not only maintains a tidy environment but also enhances the perception of space, making your living area feel larger and more organized.”

15. Enhance the perception of space with the use of mirrors

It’s no secret that mirrors are versatile and practical decor elements that not only enhance the aesthetic appeal of a space but also serve functional purposes. Sarah Chapman, owner and designer of Sarah Lorraine Interiors, explains how mirrors also serve as versatile additions to small rooms.

“Mirrors are a powerful tool for enhancing the perception of space and brightness in small rooms,” shares Chapman. “Strategically placing mirrors across from windows allows them to capture and reflect natural light, effectively brightening up the space. This reflection creates an illusion of depth and openness, making the room appear larger and airier than it actually is. Additionally, mirrors can be used to reflect other sources of light, such as lamps or overhead fixtures, further amplifying the brightness in the room. Choosing mirrors with decorative frames or unique shapes can also add visual interest and style to the space while serving their practical purpose of expanding and illuminating the room.”

14. Create ambiance with strategic lighting choices

Jenny Neilson, principal designer at Neilson Design Studio, underscores the significance of strategic lighting in creating a warm and inviting atmosphere.

“Soft, intimate lighting, like lamps, cultivates a cozy space, in stark contrast to harsh overhead lighting’s impersonal glare,” explains Neilson. “Wall sconces and directional spotlights further enhance the atmosphere and visually expand the space, especially when paired with light-colored walls. These fixtures offer versatility, providing targeted illumination for tasks and highlighting focal points such as artwork or architectural features. By strategically placing lighting fixtures and avoiding harsh overhead lighting, you can create a welcoming environment that feels both comfortable and visually spacious.”

16. Use area rugs to define visual boundaries

“It’s counterintuitive, but an appropriately scaled rug will pull your focus outward, away from individual pieces of furniture, creating a sense of expansiveness,” explains Naomi McCormick,  Principal Designer at Naomi McCormick Design serving Philadelphia and New Jersey. “They’re also incredibly useful for breaking up an open, multi-purpose space because they help to visually anchor separate areas within the space. Another bonus: They’re one of the best ways to embrace and amplify the coziness of a smaller space by incorporating added color and texture.”

17. Don’t forget about corner space

With thoughtful design choices, corners can transform from overlooked areas into useful space, contributing to a more functional and visually pleasing room. Spector Furniture in Ansonia, CT, highlights the importance of utilizing corners effectively.

“Corners often remain underutilized in rooms, presenting untapped potential for maximizing space efficiency,” explains Spector Furniture. “By strategically incorporating corner furniture pieces such as entertainment units and curios, you can fully utilize this valuable space while adding both functionality and visual interest to your room. 

Space-saving solutions and storage ideas: final thoughts

Navigating the challenges of small living spaces requires a combination of creativity, resourcefulness, and practicality. By implementing these tips and strategies, you can transform your space into a functional, inviting home that enhances both comfort and quality of life.

Source: apartmentguide.com

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Catie Skelton and her brother Tim, owners of Elements Wallcoverings, of Orlando, say an installation can only be as good as the prep work underneath. (Courtesy Marni Jameson)

Wallpaper has made a major comeback.

I recently got the bug to refresh and update my dining room, whose furniture dates back to the 1990s. So, I asked Los Angeles designer Christopher Grubb to consult. That is, I would send him photos. He’d provide decorating direction. I’d do the legwork. This arrangement saved us both hours of indigestion.

Technically, it’s an alcove located directly off the entryway, but because it’s the first room you see when you come in the front door, I want it to shine. Grubb gave me a to-do list: add a pair of long mirrors, put black lampshades on the chandelier and wallpaper the back feature wall and the ceiling with a rich, medium-blue grasscloth to distinguish the dining area from the entry.

I requested six wallpaper samples, lived with them for a few days, chose one and hired my handyman to prepare the wall and ceiling, filling in the textured surfaces to make them smooth.

Orlando wallpaper installer Catie Skelton, who runs Element Wallcoverings with her brother Tim said, “Wallpaper used to be just for high-end homes. But now, thanks to social media and more brand competition, it’s accessible to the middle class. Plus, customers are realizing that wallpaper doesn’t have to have little flowers and strawberries. You can choose from thousands of bold patterns, textures and contemporary prints.”

Indeed. Even my daughter and her husband, on-trend millennials, recently hung wallpaper in the nursery they are preparing for their baby, due next month(!).

“We looked at a lot of inspiration photos,” my daughter said. “Almost all the nurseries had accent walls either painted a fun color or wallpapered.” They chose a peel-and-stick paper featuring soft illustrations of woodland creatures, which my son-in-law put up himself.

Peel-and-stick wallcovering, such as this Gunnison wallpaper from Loomwell, offers an easy, affordable way to decorate this nursery.(Courtesy Marni Jameson) 

Though more expensive than paint and more work, when it’s done right, adding wallpaper to a room adds richness and interest that paint alone simply can’t. “Updating a room with a paint color is an easy change,” Grubb said, “but if you truly want to elevate a room, wallcovering is the way to go.”

The wallpaper went up this weekend. It’s a lovely improvement. So now that I am up with the times, I asked Grubb and the Skeltons to tell me more about the wallpaper comeback and what more homeowners should know:

Be unexpected. Wallpaper isn’t just for living rooms and powder baths. For one Los Angeles couple, Grubb covered the laundry room walls with a lively graphic paper. “It completely changed the feeling of this utility space.”

Float don’t line. Many homes have textured walls, which prevent wallpaper from being smooth, so Tim Skelton recommends “floating” the walls: skim coat them with drywall mud to fill in the recesses.

Don’t skimp on installation. If your paper has a tricky repeat that needs special alignment or your room has lots of angles, hire a pro to install it, Grubb said, and get more than one bid: “I’ve had clients try to save money by hiring someone inexperienced or by doing the job themselves, and they ran into alignment issues that got more attention than the beauty of the material.”

Consider the new vinyl. Today’s vinyl wallpaper often looks like grasscloth or silk, but is a lot less fragile, more durable and easy to clean with soap and water.

Enjoy the sound effects. Wallpaper will dampen outside noises a bit, but wallcoverings made of linen, silk, cotton or grasscloth are especially good at buffering sounds, so they’re good choices for home offices and bedrooms.

https://extras.mercurynews.com/events/.

Source: mercurynews.com

Apache is functioning normally

Nestled in the heart of the Great Plains, North Dakota offers residents a unique blend of rugged natural beauty, strong community ties, and a rich cultural heritage. From the vibrant urban atmosphere of Fargo to the serene charm of Bismarck, the state capital, North Dakota captivates with its distinct sense of tranquility. However there are cons to living in this state. In this ApartmentGuide article, we’ll uncover the pros and cons of living in North Dakota, so you can learn what life is like in “The Peace Garden.”

Renting in North Dakota snapshot

Population 783,926
Avg. studio rent $610 per month
Avg. one-bedroom rent $823 per month
Avg. two-bedroom rent $923 per month
Most affordable cities to rent in North Dakota Jamestown, Minot, Dickinson
Most walkable cities in North Dakota Grand Forks, Fargo, Minot

1. Pro: Expansive natural landscapes

North Dakota offers residents vast natural landscapes to explore and enjoy, including the Badlands, Theodore Roosevelt National Park, and the prairies of the Red River Valley. These expansive areas provide opportunities for outdoor recreation such as hiking, camping, and wildlife watching where you could see some bighorn sheep.

2. Con: Harsh winter weather

North Dakota experiences harsh winter weather conditions, with frigid temperatures, heavy snowfall, and strong winds posing challenges for residents. Cities like Minot and Williston often contend with blizzards and extreme cold snaps, leading to hazardous driving conditions and disruptions to daily life.

3. Pro: Low population density

North Dakota has a low population density, which contributes to a peaceful and uncrowded living environment. With fewer people per square mile compared to more densely populated states like California, residents enjoy spaciousness and a sense of tranquility.

4. Con: Limited entertainment options

North Dakota may have fewer entertainment options, particularly in terms of cultural attractions, dining establishments, and nightlife. Cities like Grand Forks and Fargo offer some entertainment venues and events, but residents may find a lack of diversity and variety in recreational activities compared to other populous states.

5. Pro: Strong job market

North Dakota’s strong job market is fueled by its thriving energy sector, as well as opportunities in agriculture, healthcare, and technology. Cities like Bismarck offer diverse employment prospects, providing stability and opportunities for career advancement.

6. Con: Geographic isolation

North Dakota’s geographic isolation, coupled with its low population density, can contribute to feelings of isolation and limited access to services and amenities. Rural towns and communities, such as Rugby and Devils Lake, may be far removed from major urban centers and regional hubs, leading to challenges in accessing certain services.

7. Pro: Affordable cost of living

North Dakota maintains an affordable cost of living, with lower housing costs, utilities, and overall expenses compared to many other states. Cities like Grand Forks and Minot offer residents access to affordable housing options, with median home prices and rental rates below the national average. For instance, the median home price in Grand Forks is $227,000 and the average rental price for a one-bedroom is $897. These lower costs makes housing more attainable for many North Dakotans.

8. Con: Limited public transportation

North Dakota may have limited public transportation options, especially in rural areas, which can hinder residents’ mobility and access to essential services. Even in major cities like Fargo, public transportation options are limited. Fargo has a transit score of 24, meaning there is a few nearby public transportation options available for residents. This lack of public transportation infrastructure can pose challenges for individuals without access to private vehicles.

9. Pro: Clean air

North Dakota has clean air quality, with minimal pollution and pristine natural surroundings contributing to a healthy living environment. The state’s expansive rural areas and low population density help maintain air quality standards, ensuring residents can breathe fresh, unpolluted air.

10. Con: Seasonal allergies

North Dakota’s changing seasons can exacerbate allergies for some residents, particularly during the spring and fall when pollen levels are high. Cities like Bismarck and Minot may experience pollen allergies triggered by trees, grasses, and weeds, including sagebrush, ragweed, and wormwood.

11. Pro: Outdoor recreation

North Dakota offers abundant opportunities for outdoor recreation, with its vast natural landscapes and diverse terrain. Residents can enjoy activities such as fishing on Lake Sakakawea, skiing in the Turtle Mountains, or exploring the trails of Sheyenne National Grassland. For example, the Maah Daah Hey Trail provides hikers, bikers, and horseback riders with scenic vistas and challenging terrain to explore amidst the state’s natural beauty.

12. Con: Economic dependence

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.

Source: apartmentguide.com

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Multifamily property has the power to generate cash flow and build wealth. Yet it also has the power to drain you of your free time and become the biggest money pit of your life.

If you’re looking to buy a multifamily property and avoid common headaches, you have your research cut out for you.

What Is a Multifamily Property?

Multifamily property consists of multiple units in a single building. This includes duplexes, triplexes, fourplexes, condominium buildings, student housing, apartment complexes, age-restricted communities, low-income housing, and townhomes. The units in a full multifamily housing property must have separate entrances, kitchens, bathrooms, and utility meters.

Multifamily property investing has declined in the year ending November 2023, due in part to concerns about interest rates, but multifamily properties are still a popular investment vehicle. There’s a reason that individual investors gravitate toward two- to four-unit properties, other than ease of management. Residential loans of 30 years with a fixed rate are available for properties with one to four dwelling units. FHA, VA, and USDA loans are available for those properties if they are owner-occupied.

For five or more units, a commercial loan is required. Commercial loans usually come with a higher down payment requirement, higher interest rate, and a shorter term, meaning significantly higher mortgage payments.
💡 Quick Tip: With SoFi, it takes just minutes to view your rate for a home loan online.

First-time homebuyers can
prequalify for a SoFi mortgage loan,
with as little as 3% down.

Why Buy a Multifamily Property?

Buying a multifamily home can jump-start your own real estate portfolio and investment portfolio. Here’s how.

Recommended: First-Time Homebuyer Guide

Income From Flipping

Multifamily homes can be improved and then resold for a profit, or ”flipped.” Buying a multifamily property, remodeling, and then reselling can be even more profitable than flipping single-family homes because as you remodel, you can increase rents.

Once you increase rents, the property becomes more valuable, both in terms of monthly income, cash flow and overall worth.

The ‘BRRRR’ Method

BRRRR stands for buy, rehab, rent, refinance, repeat. An investor buys a property, renovates it, and rents out the newly refurbished units for more money. After that, they can refinance the property to take out extra cash to buy a new property to renovate.

This method works well with larger multifamily properties because the rehabbing of multiple units can be done while other units that are not being renovated can still bring in some income.

Cash Flow

Multifamily homes were designed for cash flow. Space and amenities are optimized to bring in money for the investor. On the other hand, single-family homes are designed for comfort. The added space of a single-family home may not bring as high of a return as a multifamily property.

Quick Portfolio Expansion

Buying multifamily properties allows investors to acquire multiple units with one transaction, so they may have a favorite in the single-family vs. multifamily comparison. Additionally, investing in multifamily properties can allow an investor to quickly generate income, which could be enough to acquire more properties.

Reduced Risk

A multifamily property lessens risk exposure. When you have single-family homes, vacancies have a bigger effect on your monthly cash flow. With one or more multifamily properties, the risk is spread across a number of properties. In other words, there are units still rented that can help cover the costs of the units that are vacant.

Analyzing the Investment Potential of a Multifamily Property

Investors can use a number of methods to determine if it makes sense to buy a multifamily property or not. Here are some of the most common calculations you can use to make that determination for yourself.

Cash Flow

In real estate investing, cash flow is money that’s generated by the property and money spent on the property. Positive cash flow means income exceeds expenses. You could also call it profit.

Investors have differing amounts that they consider acceptable. Some real estate investors bank on the appreciation of the property instead of the amount of cash flow.

The 1% Rule

The 1% rule states that the gross rents should be 1% or more of the purchase price. The 1% rule is hard to apply in high-income areas where the purchase price of a property is high relative to the rents it generates.

Gross Rent Multiplier

The gross rent multiplier (GRM) is a ratio: the fair market value of a property divided by its gross annual rents. It doesn’t take expenses into consideration and is meant to be a simple calculation to determine if a property is worth exploring further. If you’re comparing two properties for purchase, the one with the lower GRM may be the better investment.

Cash on Cash Return

The cash on cash return is the annual amount earned compared with the amount of cash invested. It’s expressed as a formula: annual net cash flow divided by cash investment. This is helpful for investors who want to know how much cash is brought in by their cash investment each year.

Capitalization Rate

The capitalization rate, or cap rate, is the amount of net operating income divided by the purchase price. This number indicates how long it will take to get back all your money in an investment.

Recommended: What Is Cap Rate and How Do You Calculate It?

Internal Rate of Return

The IRR measures the rate of return over an amount of time. It takes into account both cash flow and expected appreciation.

Recommended: Mortgage Payment Calculator

How to Buy a Multifamily Property

You may be able to use 75% of documented rental income to help finance mortgage interest on your loan. And again, multifamily homes with four or fewer units can be financed more traditionally, while five or more units require a commercial mortgage.

Getting preapproved for a mortgage for your multifamily investment property is one of the best things you can do to get started. After a mortgage officer has examined your finances and greenlighted an amount, you can go shopping for your multifamily investment properties.

Find a Multifamily Home

To narrow your search for a new multifamily property here, you’ll want to decide what it is you’re looking for. Keep a few of these factors in mind:

•   Location: Do you have an area that you have expertise in? Are you going to manage the property yourself? These are some questions you’ll want to ask yourself to determine if you can buy a multifamily property near or far.

•   Price range: After you’ve looked at where you want to potentially invest, you’ll get a good sense of what properties will cost by looking at real estate listings. Keep in mind that you can count 75% of documented rents toward the purchase price for many loan types, so the price you’ll be looking at will be much different than if you were looking for a single-family home.

•   Type of property: Are you looking for a fourplex or an apartment complex? Duplex or 55+ community? There are a lot of choices to make between different property types and whether or not they’ll bring you a profit.

•   Profit potential: Are you looking to invest for appreciation or cash flow? Many properties with a lower price tag in the Midwest may be better for cash flow, while properties on the West Coast may appreciate more. Take a look at both and decide on your investment strategy.

•   Condition: Do you have the resources and team in place to take on a multifamily property that needs a lot of work? Or would you rather have something turnkey? You’ll want to be sure you know what resources you can commit to the project before you get in over your head.

Choose a Loan

The type of rental property used may determine what type of loan you’re able to get. If this is your first rental, you may want to consider living in one of the units so you can qualify for owner-occupied financing, which usually comes with lower rates and down payment requirements.

Choose a lender that can answer your questions about mortgages.

Make an Offer and Close

Working with a real estate agent, you’ll submit a competitive offer for the property you’ve chosen. Some buyers use cash to make the most competitive offer, while others need financing.

Renovate and Get Ready for Your Tenants

No matter what class of property you buy, the rental units will almost always require some work. Whether it’s a simple clean or a major renovation, these things are both tax-deductible and will improve the value, not to mention rentability, of your property.

Create a Management Plan

To make sure you’re running a business, and it’s not running you, you need to have a solid plan in place for how the rentals will be managed. How are repairs going to be taken care of? What’s your process when a rental turns over? How are you going to keep up with laws and ordinances?

Having a plan helps. Even so, you’ll learn as you go and will need to adjust this plan.
💡 Quick Tip: One answer to rising house prices is a jumbo loan. Apply for a jumbo loan online with SoFi, and you could finance up to $2.5 million with as little as 10% down. Get preapproved and you’ll be prepared to compete in a hot market.

The Takeaway

How to buy a multifamily property? Do your research and choose a property that you’ll have the ability to finance and manage. Investing in rental properties and multifamily investing is not easy, but it can generate cash flow and create family wealth.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

Is buying a multifamily property a good investment?

Finding a multifamily property that is a good investment will depend on the investor’s analysis of the property. This can include the price, condition, gross rent multiplier, capitalization rate, and a number of other factors that will make renting the units successful.

What are the different kinds of multifamily properties?

•   Duplexes, triplexes, fourplexes

•   Townhouses

•   Apartment buildings

•   Condominiums

•   Bungalow courts

•   Mixed-use buildings

•   Student housing

•   Age-restricted housing units

•   Low-income housing units

What is the best way to finance a multifamily home?

Some would argue that an FHA loan with 3.5% down is one of the best ways to finance a home with up to four units. The owner must live in one of the units to qualify for this type of financing.

Photo credit: iStock/Andrey Sayfutdinov

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

SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.

*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

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

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.

†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.

SOHL-Q224-1842833-V1

Source: sofi.com

Apache is functioning normally

Have you ever thought, “Should I move to Arlington, TX?” Living in Arlington means you’re never far from an adventure, whether it’s catching a football game, riding a roller coaster, or enjoying the great outdoors at one of the city’s many parks. Arlington stands out for its unique blend of suburban comfort and urban excitement, making it a great place to call home. In this article, we’ll dive into the pros and cons of living in Arlington to help you figure out if this city matches your lifestyle. Let’s jump in. 

Arlington at a Glance

Walk Score: 38 | Bike Score: 40 | Transit Score: 0

Median Sale Price: $325,000 | Average Rent for 1-Bedroom Apartment: $1,140

Arlington neighborhoods | Houses for rent in Arlington | Apartments for rent in Arlington | Homes for sale in Arlington

Pro: Exciting sports culture

Arlington, stands out with its rich sports culture, home to the Dallas Cowboys and Texas Rangers. The presence of AT&T Stadium and Globe Life Park ensures residents have access to world-class sporting events year-round. This not only boosts the local economy but also fosters a strong sense of community among fans. The excitement of game days is palpable, making it a thrilling place to live for sports enthusiasts.

Con: Limited public transportation

One significant drawback of living in Arlington is the limited public transportation options. Unlike other cities of its size, Arlington lacks a comprehensive public transit system, making it challenging for those without personal vehicles to navigate the city. This limitation affects daily commutes, access to amenities, and overall mobility, potentially increasing residents’ reliance on cars and contributing to traffic congestion.

Pro: Plenty of entertainment options

Arlington is not just about sports; it’s also a hub for entertainment and leisure activities. With attractions like Six Flags Over Texas and Hurricane Harbor, residents and visitors alike have access to some of the best amusement parks in the country. The city also boasts beautiful parks and Lake Arlington, offering outdoor activities such as hiking, boating, and fishing.

Con: Hot and humid summers

The climate in Arlington can be a downside, especially during the summer months when temperatures soar and humidity levels rise. These conditions can be uncomfortable and limit outdoor activities, particularly in July and August. Residents often find themselves seeking relief indoors, which can lead to higher energy bills due to the increased use of air conditioning.

Pro: Thriving economy

Arlington’s economy is robust, driven by sectors such as entertainment, manufacturing, and education. The presence of major employers, including General Motors and the University of Texas at Arlington, provides a wealth of job opportunities for locals. This economic diversity not only supports a strong job market but also contributes to the city’s overall prosperity and growth.

Con: Seasonal allergies

A significant concern for many Arlington residents is the high prevalence of seasonal allergies. The city’s location in North Texas, combined with its vegetation and climate, contributes to challenging conditions for individuals sensitive to pollen and other allergens. Seasonal allergies can impact quality of life, especially during peak pollen seasons in the spring and fall.

Pro: Proximity to other major cities

One of Arlington’s greatest advantages is its strategic location between Dallas and Fort Worth, offering residents easy access to the amenities and job markets of two major cities. This proximity allows for a suburban lifestyle while enjoying the benefits of urban living, including cultural events, museums, and airports. It’s the best of both worlds for those who work in the city but prefer a quieter home life.

Con: Urban sprawl

Arlington’s rapid growth has led to sprawling suburban neighborhoods and commercial areas. This has resulted in increased traffic congestion and longer commute times for residents. For example, major highways and thoroughfares, such as Interstate 20 and Interstate 30, experience heavy traffic congestion during peak hours, leading to delays and frustration for commuters. Additionally, the proliferation of strip malls and commercial developments along major roadways contributes to the spread-out nature of the city, making it less walkable and pedestrian-friendly.

Pro: Community engagement and volunteerism

Arlington is known for its strong sense of community and active volunteerism. Numerous organizations and initiatives focus on improving the city and helping its residents, from environmental clean-ups to food drives. For example, the city holds an annual “Arlington Cares” community service day, where residents come together to volunteer for projects such as neighborhood cleanups, park beautification, and food drives.

Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.

Source: rent.com

Apache is functioning normally

Over the years, consumer perception of electric vehicles has been all over the map, with some early adopters embracing them and others feeling apprehensive about issues like battery range, price, and the environmental impact of EV production.

Within the next decade, however, the choice to buy an EV or other “zero-emission” model might produce no hesitation at all: It might be the only new car you can buy where you live.

At least a dozen states have made moves to restrict the sale of vehicles driven purely by internal combustion engines, with nine working toward an all-out ban by 2035. The states are following California’s Advanced Clean Cars II (ACCII) rule, which requires automakers and car dealers to sell increasingly more zero-emissions vehicles each year between 2026 and 2035. For example, in 2026, 35% of new vehicles on car lots within an ACCII state must be emission-free. That percentage will gradually increase year after year to 100% by 2035 — an effective ban on purely gas-powered vehicles.

In addition to EVs, California’s definition of zero-emission vehicles includes battery-electric, hydrogen fuel cell electric and plug-in hybrid electric vehicles.

So far, eight states and Washington, D.C., have adopted ACCII for light passenger vehicles. The states are Maryland, Massachusetts, New Jersey, New York, Oregon, Rhode Island, Washington, and, most recently, Virginia. Connecticut and Maine are also considering the measures but haven’t adopted them formally, while Colorado, New Mexico, Delaware and Minnesota have partially adopted a large portion of the standards.

What the ban means for owners of gas cars

To be clear, the ACCII regulations will only prohibit the sale of new internal-combustion passenger vehicles (cars, SUVs and light-duty trucks) starting in 2035. They wouldn’t, however, require drivers of gas cars to forfeit ownership of previous models.

Residents of these states could still buy used gas-powered vehicles within the state’s borders. Likewise, nothing in the regulation would prohibit drivers from buying a new gas car from a state without the ban, then registering it within a state that has one. Although amendments can be made at any time, currently only the sale of gas-powered cars by 2035 would be prohibited in a state whose standards are identical to ACCII.

Of course, regardless of the ban, drivers who want a new internal-combustion vehicle in 2035 may have fewer choices. Already Stellantis — the company behind Chrysler, Dodge, Fiat, and Jeep — has warned dealers it will ship fewer gas cars to states that follow California’s emissions standards, while also pledging to have electric vehicles make up half of its North American sales by 2030.

Meanwhile, other automakers have announced plans to cease production of fully gas-powered cars at around the same time that the ACCII would phase them out. For example, General Motors plans to stop making gas cars by 2035, with an earlier date of 2030 for a fully electric lineup of Cadillac and Buick. Ford has said it plans for EVs to make up half of car sales by 2030. Other car companies that have pledged to sell electric only include Volvo (2030), Mercedes-Benz (2030), Honda (2040) and Volkswagen (2040).

While some of these goals are objectively ambitious (and often contingent on market conditions), they’re in lockstep with gas car bans planned by nations with large economies, including those in the European Union (2035), Japan (mid-2030s) and South Korea (2035), among others.

Will other states ban gas cars in the future?

As it stands, most states don’t have plans to discontinue the sale of gas-powered vehicles in the near future. But it’s possible that other states will join those that do, especially if they tend to follow California’s stricter vehicle emission standards.

Because of the Clean Air Act, no state except California can create its own fuel economy standards, but states can choose to adopt California’s guidelines under a provision called Section 177. Presently, 17 states have emission standards tied to California’s: Colorado, Connecticut, Delaware, Maine, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New Mexico, New York, Oregon, Pennsylvania, Rhode Island, Vermont, Virginia and Washington.

So far, only eight of these states have formally adopted a standard that’s identical to California’s Advanced Clean Cars II regulations. Colorado, New Mexico and Delaware have partially adopted the standard, but instead of a 2035 ban on gas-powered vehicles, these three states will require 82% of new car sales to be emission-free by 2032. Minnesota enacted its “Clean Cars Minnesota” rule this year, which requires automakers to cut down on emissions and produce more zero-emission cars. However, it doesn’t have plans to ban gas cars.

Likewise, neither Pennsylvania nor Nevada have announced plans to follow California’s standards. Maine and Connecticut were expected to adopt ACCII regulations, though both states have so far voted against them.

If states don’t follow California’s standards, they’ll have to comply with federal regulations, which currently don’t have a plan to ban gas vehicles. But federal policy is shifting. In March 2024, the Environmental Protection Agency finalized measures that require automakers to gradually reduce the emissions associated with the vehicles they sell. The rule applies to model years 2027 through 2032.

While the new rules don’t require a specific percentage of sales to be zero-emission vehicles, the Biden administration estimates the new emission standards could be met if EVs make up 56% of new car sales by 2032 (with another 13% of sales composed of plug-in hybrids or other partially electric cars).

It’s not a ban per se on entirely gas-powered vehicles. But, when coupled with state bans, plus automakers’ pledges to produce less of them, it could mean fewer engines that go “potato potato potato” and more that hum quietly off dealership lots.

Source: nerdwallet.com