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Portrait of Charlie Ferrer in a client’s home by Tim Lenz. From left:
Various work on paper and Thomas Barger’s Gingham Passion Chair, 2020. All images courtesy of Ferrer.

At what point after graduating college do we let go of collapsible dinner tables and high-end knock-offs? For interior designer Charlie Ferrer, the answer is ASAP. The Chelsea-based creative founded his own interior design studio and  gallery in 2012, offering a plethora of furniture, lighting, and art by both notable and emerging designers. The joint practice has been the go-to agency for fellow creatives and private collectors who appreciate his eclectic eye. Here, Ferrer discusses his personal favorite artists, the importance of supporting smaller talent, and the secret to putting together a tasteful interior.  

CULTURED: What do you think makes the New York art scene distinct?

Charlie Ferrer: The density of resources. New York has the highest concentration of galleries, dealers, institutions, working artists, curators, advisors, conservators, and, not least, collectors. This proximity of people and talent, money and ideas, breeds a highly productive atmosphere. 

​​​​​From left: Andrew Hughes, Gemini Table Lamp, 2018; Camilla Reyman, Guilty Pleasure #18, 2015; Wolfgang Tillmans, Peach alive, 2016; Joe Zorrilla, Cartographies (Sheet), 2013. All photography of Ferrer’s home by William Jess Laird.

CULTURED: You’ve been billed as a “millennial designer.” What do you think this generation is doing right and wrong in their homes?

Ferrer: There are plenty of young collectors participating in the art and design markets at advanced levels, and that’s great. I wish for more participation at the emerging level. There is a vast world of young people making art. Where are their collector counterparts? I would love to see the coalescence of a larger community of “emerging collectors,” a group that supports their artist contemporaries, choosing art and design purchases as frequently as other discretionary categories like fashion and travel. The spend can be modest—it’s less about money and more about curiosity, education, a shift in focus. I rarely walk into the home of a 30-year-old or even a 38-year-old to find a handful of thoughtfully collected pictures or objects. I find this reality disappointing.

This same wish extends to interiors and collectible design. Millennials tend to consume commodified retail products. Why choose formless sectionals, poorly knocked-off Scandinavian design and Pierre Jeanneret reproductions when there are so many opportunities for an individualized expression of taste? Historical design and specialty goods for the home are more accessible now than ever. 

From left: Jacques Quinet, Dining Table, 1950s; Mark Steinmetz, 
Knoxville, TN (teenage boy looking out window), 1989; Daniel Turner, Untitled 5150 3.5.13, 2013; 
César, Autoportrait quadrillé, 1984/96; Jacques Adnet, Pair of Leather Dining Chairs, 1960.

CULTURED: How does a client’s art collection impact your vision for their interiors? How did you build your space around your own?

Ferrer: I am selling collected environments. When a client comes to me with an existing collection of art and/or design, we make space for it. I prefer that every room I touch contains art and objects, but I do not necessarily design rooms for art or the inverse—select art for specific rooms. I suppose large-scale works are one exception. If a work requires a massive wall, a special path of access into the space, etc, we plan for that early on in our process.

Philosophically, I believe in collecting for the sake of a collection and creating interiors that support and dialogue with that collection. I build spaces through an iterative process of layering in which every object is something of meaning on its own. As a project evolves, an assemblage of cool things grows. The vision for the project as a whole eventually takes form. The sum of its parts feels eclectic and organically collected because it is. The best projects are never really finished, they keep evolving, even if just in small ways. 

When it comes time to install art, I do like to hang densely, often asymmetrically and sometimes unconventionally, so long as the client is on board. 

David Morehouse worked at the Hammer during our years there. Through David, I enjoyed a lot of exposure to artists and collectors and dealers—artists like Mark Bradford, Mark Hagen, Elliott Hundley; collectors Eugenio López, Beth Rudin DeWoody, Bill Bell, Alan Hergott and Curt Shepard; dealers Shaun Regen, Hannah Hoffman, Nino Mier, David Kordansky. The art world in LA 10 plus years ago felt like a small club. That period in my life was vastly eye-opening. It clued me into a world I did not know. Though I had a gallery for a year where we showed furniture and art (featured in CULTURED‘s Spring 2013 issue), I don’t think I actually acquired any art for myself until I left for New York. 

CULTURED: What is the first piece you ever bought?

Ferrer: An abstract painting by Shinpei Kageshima from Take Ninagawa at NADA, Miami Basel in 2011. That was an exciting moment for me—being at a busy fair, finding a work by a young artist that spoke to me, shown by a dealer who had come from so far away, offered at a price I could conceivably afford. 

From left: Deborah Remington, Icar, 1983; Jed Ochmanek, Untitled, 2010; Émile-Jacques Ruhlmann, Desk, 1930s; Patrick Dupré, Sculpture Cinétique, 1977; Thomas Beale, Silence, 2004; Maynard Monroe, Never Underestimate the Power of Babel, 2012; Raphaël Décorateur, Smoked Acrylic Lounge Chair, 1960s.

CULTURED: Which work provokes the most conversation from visitors?

Ferrer: A mixed media piece composed of used socks, silicon, and pigment on canvas called A Rag of Sorts by Jesse James Thompson. It is appealingly tactile and fetishistic. The colors are beautiful and so is the bronze frame I had made for it. I bought the work out of a group show of MFA candidates put on by Edsel Williams at The Fireplace Project in East Hampton.

CULTURED: Which artist are you currently most excited about and why?

Ferrer: Kevin Beasley, in particular his figurative sculptures, for their rich materiality and the palpable emotion they embody for me. Pretty much anything is shown by Gordon Veneklasen at Michael Werner. The quality of their program is impeccable. On the design side, I am impressed by what Alex May is doing with SIZED out of Los Angeles. The shows are broad and ambitious. They inspire me.

César, Autoportrait quadrillé, 1984/96.

 CULTURED: What was the most challenging piece in your personal collection to acquire?

Ferrer: For lovers, maybe, but for art I’m not one to play the hard-to-get game. I just don’t have the bandwidth to get involved at that level personally. I suppose for me the toughest acquisition was my César sculpture because it was a matter of finding the funds when I found the piece. Sometimes, I stretch my limits to get a work I know I want. There is a distinctive gut feeling, a reflex. I imagine others can relate… The timing was right enough for the César. Thankfully, the gallery was patient, and it worked out. I am very fond of that piece. 

CULTURED: Is there one piece that got away, or that you still think about?

Ferrer: One of Christopher Wilmarth’s ethereal glasswork sculptures at Craig Starr Gallery. Craig put on a show in 2020 that I continue to daydream about. 

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Source: culturedmag.com

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With the cost of living prices basically right at the national average and below, North Carolina’s affordability is just one reason to consider calling it home. The diverse population has a reputation for kindness and a sense of community. No matter where you settle, you’ll get a down-home feeling.

The weather is pretty solid, which is great since North Carolina and outdoor activity go hand-in-hand. From the Outer Banks to the Blue Ridge Mountains, you’ve got plenty of hiking trails to explore and over 300 miles of coastline.

If people and places aren’t enough to entice you, then let’s talk about North Carolina food. It’s all about southern comfort food, fresh seafood and that signature style of BBQ.

So, are you ready to take a deeper dive into whether North Carolina is the right place for you? To see if all the numbers match up, let’s look at average prices in key cost-of-living areas so you can see if this state is something your budget can afford.

North Carolina housing prices

There are a lot of cities in North Carolina that claim they’re the best, but what’s better is that many are reasonably priced when it comes to housing. You’ll find options that just step over the national average, as well as those that are significantly below, which means there’s a place for every budget.

Asheville

Nestled within the Blue Ridge mountains, with plenty of outdoor activities, Asheville is both a beautiful and fun place to live. The food scene is eclectic, and the whole city has a comfortable but quirky vibe. Hiking is as easy as walking around the downtown area, and there’s always Biltmore Estate when you need a little class.

Living in this mountain town, though, comes with a price, and housing is 3 percent above the national average. Rentals are on the rise, as well, and two-bedroom apartments saw a 33 percent increase in price over last year. The average rent right now is $1,866 per month. One-bedroom apartments are growing at a faster pace, up 38 percent over last year, for an average rent of $1,592 per month.

Homes are also in high-demand here, leading to a price increase of 21.8 percent over last year. The median home price in Asheville is $489,500.

Chapel Hill

The most expensive city on the list, Chapel Hill, is so much more than a college town. Although, as home to the University of North Carolina at Chapel Hill, it’s a big piece of the city’s story. There are also plenty of job opportunities and stability here, along with an amazing food scene (check out the flying burrito) and a variety of museums and cultural stops. With housing prices at 18.3 percent above the national average, though, it can get pricey to live in this particular North Carolina town.

Rent prices reflect the higher housing costs here in Chapel Hill. On average, a one-bedroom apartment will cost you $1,883 per month. Two-bedrooms also have a high average price tag of $2,253 per month. These rents come at a significant price increase over last year, as well. One-bedrooms are up 45 percent, and two-beds are up by 52 percent.

Individual home prices may vary greatly, but on average, they’re all going up. Home prices have increased by 13.6 percent over last year, and the median home price in Chapel Hill is $611,500.

Charlotte

Southern charm seamlessly mixes with all the features of a cosmopolitan city in Charlotte. A fun and busy nightlife, delicious restaurants and a strong job market attract families and young professionals alike. Charlotte is also an affordable place to call home with housing prices 11.4 percent below the national average.

Even with lower overall prices, rent in Charlotte can still get pricy. One-bedroom apartments average out to cost $1,515 per month in rent, up 15 percent over last year. Two-bedroom apartments are growing in price more slowly but still can set you back an average of $1,783 per month. This price is up only 10 percent over last year.

Homes in Charlotte offer a cool range of architectural designs, but demand is definitely impacting price. The median home in Charlotte costs $405,000, which is a 19.1 percent increase over last year.

Lexington

A smaller city that’s experiencing great growth, Lexington offers residents more space than other North Carolina spots. It has a more suburban feel minus that densely-packed downtown area. It’s also extremely affordable. Housing prices in Lexington are 40.8 percent below the national average.

Resulting from the local growth, rent prices within Lexington are on the rise. Two-bedroom apartments are up 20 percent. The average monthly rent for a one-bed is $1,345, and two-beds average out just slightly higher at $1,485.

Housing prices in Lexington are holding steady with the average home costing $529,000.

Raleigh

As the capital of the state, the appeal of Raleigh centers on its commitment to education, research and technology. For balance, the city also has a thriving music and art scene, not to mention its growing reputation for excellent food and brew. Still, within an affordable range for college students and professionals alike, average housing prices in Raleigh are 4.8 percent below the national average, although the city is experiencing considerable growth in costs.

All housing in Raleigh is seeing price increases of over 15 percent from last year. One-bedroom apartments are up 18 percent, two-bedroom apartments are up 16 percent and home prices are up 19.4 percent. This means properties are in demand, and some could price out above your budget.

On average, a one-bedroom currently rents for $1,530 per month. Two-bedrooms are at $1,763. The median home price in Raleigh is currently at $430,000.

North Carolina food prices

North Carolina’s reputation for food is without exaggeration. You can get great barbecue, complete with all the sides, decadent peach cobbler, creamy she-crab soup and, of course, biscuits and gravy. Even home cooking is a serious business, and North Carolinians spend between $233 and $267 per month on groceries.

Food prices throughout the state are thankfully pretty reasonable, mostly at or just below the national average, so eating right is never outside the budget.

  • Raleigh is 8 percent below the national average
  • Lexington is 4.9 percent below the national average
  • Asheville is 4 percent below the national average
  • Chapel Hill is 3 percent below the national average
  • Charlotte is 2.8 percent below the national average

The only city to stretch past the national average when it comes to food prices is Salisbury. It just barely gets there at 0.9 percent above the national average.

What this means when it comes to individual items on your grocery list is that food prices won’t vary by a lot. For example, a dozen eggs range within 46 cents of each other in every city, and bananas only have a 24-cent differential.

Going out to eat also means paying similar-sized bills no matter where you are. The differential between most cities on our list is only $5 for a three-course meal for two. It ends up costing you the most in Asheville, at $65.00, but in our cheapest city, Raleigh, the same meal is only slightly less at $60.00.

North Carolina utility prices

As with most prices across North Carolina, utility averages hover close to the national average, and even though some are over, it’s never by an extreme amount.

  • Chapel Hill is 11.8 percent below the national average
  • Charlotte is 7.5 percent below the national average
  • Lexington is 6.9 percent below the national average
  • Raleigh is 1.2 percent above the national average
  • Asheville is 7.9 percent above the national average

It’s possible that certain weather conditions could increase your air conditioning or heating usage when the season is right, driving these averages up. Certain areas in North Carolina can get pretty hot in the summer, and those towns in the mountains, like Asheville, may need a little extra heat as temperatures cool down. On average, total energy bills range from $150 per month to slightly above $200.

North Carolina transportation prices

Transportation prices in North Carolina total up to include all different modes. There are the costs associated with owning a vehicle and taking public transportation, which can potentially save if you live in an area where it’s possible to get around on foot or by bike.

Overall, most transportation prices are, again, close to the national average. The only city to exceed it is Winston-Salem, at 3.9 percent above.

  • Lexington is 32.5 percent below the national average
  • Chapel Hill is 9.4 percent below the national average
  • Raleigh is 6.4 percent below the national average
  • Charlotte is 5.7 percent below the national average
  • Asheville is 1.6 percent below the national average

Not the most walkable state, most North Carolina cities have an average walk score in the 30s. You could live somewhere that’s walkable for a few blocks, but you can’t navigate the whole city that way. Chapel Hill is also pretty bike-friendly, with a score of 55. Overall though, you’re getting around in a car, bus or some other form of public transportation.

Asheville ART

Providing bus service throughout the entire city, Asheville Rides Transit, or ART, operates 18 different routes. Set hours have bus service ending at 10:30 p.m. Monday-Saturday and 6:00 p.m. on Sundays. Extended service for University of North Carolina Asheville stops is available Friday and Saturday nights, but only when classes are in session.

A single-way fare is $1, but you can buy both ticket booklets and passes. A booklet is $9 and provides for 11 rides. A monthly pass is $20 and an annual pass is $220.

Charlotte CATS

Operating both buses and a rail system, the Charlotte Area Transit System (CATS), makes it easy to ride through its color-coded system. Routes in red are express, routes in green are local or neighborhood shuttles and blue routes are rail lines.

The one-way fare for local bus services is $2.20, and a monthly pass is $88. Shuttle service is less expensive at only $0.90 per way. If you’re hopping on an express route, the one-way cost is $3, and a monthly pass is $121.

Raleigh GoRaleigh

A long list of routes takes you anywhere you want to go in Raleigh, hence the name GoRaleigh. Currently, all routes are free and will remain so until June of 2023.

Once fares get reintroduced, it’s still not expensive to take advantage of GoRaleigh routes. A single-ride fare is only $1.25, and a 31-day pass is $40. You can buy an express or regional pass, as well, extending your access to other cities in the area that have their own ‘Go’ public transportation.

North Carolina healthcare prices

Healthcare prices in North Carolina, which include doctor’s visits, urgent care trips, prescription medications, the dentist and even the eye doctor, are all close to the national average in the United States. Probably the highest set of numbers so far, all our cities are actually slightly over.

  • Raleigh is 0.1 percent above the national average
  • Chapel Hill is 8.3 percent above the national average
  • Asheville is 8.7 percent above the national average
  • Charlotte is 11.6 percent above the national average
  • Lexington is 18.2 percent above the national average

This puts visits to the eye doctor at anywhere from $118 up to $158, a doctor’s visit from $115 to $177 and trips to the dentist between $104 and $140. All combined, that’s a lot of out-of-pocket spending you may have to add to your budget.

North Carolina goods and services

Totaling up all the things you like doing regularly, but aren’t absolutely necessary, goods and services are like bonus activities. They’re what you do for you — like going out or getting your work clothes dry cleaned. Life would still go on without doing these things, but you wouldn’t be as happy.

Lumping in the costs of all goods and services together is a great way to understand how much this could add to your budget.

  • Raleigh is 8.8 percent below the national average
  • Chapel Hill is 8.4 percent below the national average
  • Lexington is 5.7 percent below the national average
  • Asheville is 1.1 percent below the national average
  • Charlotte is 6.4 percent above the national average

Charlotte is going to produce the highest price tag, in total, when it comes to grabbing a pizza, going to the movies and more. However, when you look at the average costs of everything, Charlotte might not always be the most expensive city.

In fact, according to these specific goods and services prices, Charlotte never has the most expensive option on the list.

Adding in childcare

Though it’s possibly not a particular good or service you’re ready for yet, this one is a doozy. Once the need for childcare comes into play, your cost of living budget will go way up. But, what you pay each month can vary greatly based on what city in North Carolina you’re living in.

The most expensive city for a full-day, private preschool is Chapel Hill, where the monthly price tag is $1,433.00. Raleigh is also over a thousand dollars a month, but then the price begins to dip. In Asheville, this monthly expense averages out to only $866.67. We told you it was expensive.

Taxes in North Carolina

North Carolina has both an individual income tax and a sales tax. The income tax rate of 4.99 percent applies to all income levels.

The state sales tax is 4.75, and local areas can only add on up to 2.75 percent more. This means the highest combined sales tax rate you’ll pay is 7.5 percent. Think of it this way, for every $1,000 you spend shopping, $124.90 is going straight to taxes if the city you live in charges the max amount, which not every city does.

  • The sales tax rate in Asheville and Lexington is 7 percent
  • The sales tax rate in Charlotte and Raleigh is 7.25 percent
  • The sales tax rate in Chapel Hill is 7.5 percent

It seems that many cities get close to the maximum amount of sales tax, but few go all the way to the top. That’s good for your budget.

How much do I need to earn to live in North Carolina?

One of the best ways to figure out what you need to make to live comfortably anywhere is a calculator. You’ve just got to crunch some numbers to make sure it all works, and starting with rent is key. Using our rent calculator, you can accurately start budgeting.

You can also do some rough estimating using averages and expectations. It’s expected that you’ll put 30 percent of your annual salary toward rent. Given that the average rent in North Carolina is $1,387, you’d need to make a minimum salary of $55,480 per year.

Is this possible? Yes, but not always. The average annual salary in North Carolina is $53,100. It comes close to the minimum salary you need to get an average-priced apartment, but not quite. This may mean adjusting your location to find housing options a little less expensive or cutting your budget elsewhere to put more toward rent. Either way, you’ve got options.

Living in North Carolina

North Carolina is a friendly and delicious place to call home. Southern hospitality is at its peak, and between the barbecue and a variety of other restaurants, your belly will always be full. North Carolina is also a state of opportunity, with a lot to attract young professionals, students and families. It doesn’t hurt that it’s also a beautiful place to live.

If North Carolina is calling your name, start adding those numbers up. Does your budget match up to the cost of living in the Tar Heel State? Sure hope so.

Related links:

The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of June 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

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Amid the picturesque landscapes of Tennessee, a collection of captivating small towns beckons with their unique stories, warm hospitality, and vibrant community spirit. These towns offer more than just houses; they offer a glimpse into the heart of the Volunteer State’s culture, traditions, and way of life. In this article, we’ll embark on a journey through the 11 small towns in Tennessee, uncovering the experiences, attractions, and the genuine Southern charm that make each town a welcoming haven.

1. Paris, TN

Median sale price: $235,000 

Walk Score: 68

Nestled along the Tennessee River, this town’s historic downtown boasts well-preserved architecture, specialty boutiques, and local cafes that tell tales of bygone eras. Paris is also home to the iconic Eiffel Tower replica, a testament to its French heritage.

Homes for sale in Paris, TN

Apartments for rent in Paris, TN

2. Brownsville, TN

Median sale price: $200,000 

Walk Score: 66

Brownsville invites residents to experience a blend of culture and community that defines its character. If you’re a music lover, swing by the West Tennessee Delta Heritage Center, where you can learn all about the birthplace of blues music. And for a bit of history, the Tina Turner Museum at Flagg Grove School is a must-see – it’s where the Queen of Rock ‘n’ Roll herself went to school. 

Homes for sale in Brownsville, TN

Apartments for rent in Brownsville, TN

3. Lexington, TN

Median sale price: $270,000 

Walk Score: 61

Located amidst rolling hills, Lexington offers a sanctuary where nature and nostalgia thrive. The town’s historic architecture and tree-lined streets create a picturesque backdrop, while local parks provide opportunities for outdoor activities and relaxation.

Homes for sale in Lexington, TN

Apartments for rent in Lexington, TN

4. Humboldt, TN

Median sale price: $232,750 

Walk Score: 61

Humboldt is a small town in Tennessee with some big surprises. If you’re a vintage collector, their Main Street is like a treasure trove of antique shops that are just begging to be explored. And if you’re a bit of a history buff, the West Tennessee Regional Art Center is housed in a former railroad depot. Fun fact: Humboldt proudly claims to be the “Tomato Capital of the World,” and they even throw a big Tomato Festival every year.

Homes for sale in Humboldt, TN

Apartments for rent in Humboldt, TN

5. Arlington, TN

Median sale price: $431,397

Walk Score: 55

Arlington seamlessly blends suburban comforts with the tranquility of rural living. The town’s well-planned neighborhoods and parks create a friendly and fun atmosphere, while its local amenities and shops offer convenience. Arlington’s close proximity to Memphis allows residents to enjoy city attractions while coming home to the serenity of the suburbs.

Homes for sale in Arlington, TN

Apartments for rent in Arlington, TN

6. Martin, TN

Median sale price: $243,250 

Walk Score: 59

Home to the University of Tennessee at Martin, this town provides learning not just in the classroom, but in every corner. The university’s events, cultural offerings, and sports games contribute to the town’s lively environment. Martin’s local shops, eateries, and coffeehouses provide spaces for connection and relaxation.

Homes for sale in Martin, TN

Apartments for rent in Martin, TN

7. Bolivar, TN

Median sale price: $120,000 

Walk Score: 60

Bolivar offers people an escape from the hustle and bustle, where life moves at a pace that embraces simplicity. If you’re up for a bit of adventure, visit the Hatchie River for kayaking and fishing – perfect for a lazy day on the water. For a slice of history, check out The Pillars, a historic mansion that’s been around since the 1820s.

Homes for sale in Bolivar, TN

Apartments for rent in Bolivar, TN

8. Henderson, TN

Median sale price: $145,000 

Walk Score: 59

Located less than 2 hours from Memphis lies the small town of Henderson. Its proximity to Chickasaw State Park provides both natural respite and opportunities to explore its historical facets. For architect enthusiasts, the Chester County Courthouse clock tower presents an intriguing subject. 

Homes for sale in Henderson, TN

Apartments for rent in Henderson, TN

9. Dyersburg, TN

Median sale price: $215,900 

Walk Score: 47

In Dyersburg, life is a harmonious blend of city comforts and the serenity of the countryside. The town’s local shops, eateries, and events cater to a variety of tastes, while its nearby natural attractions offer outdoor explorations. Dyersburg’s strong sense of unity is reflected in its gatherings and local initiatives that bring residents together.

Homes for sale in Dyersburg, TN

Apartments for rent in Dyersburg, TN

10. Mount Carmel, TN

Median sale price: $320,000 

Walk Score: 14

Mount Carmel offers a quiet corner where small-town charm prevails. For a taste of adventure, take a hike along the serene trails of Bays Mountain Park, where you might spot elusive wildlife and catch stunning panoramic views. The town is also home to Long Hollow Canopy Tours, where you can zip line through lush forests for an exhilarating experience.

Homes for sale in Mount Carmel, TN 

Apartments for rent in Mount Carmel, TN

11. Dayton, TN

Median sale price: $397,000 

Walk Score: 49

Sitting along the banks of the Tennessee River, Dayton offers a riverside retreat and a glimpse into history. The town’s historic district showcases well-preserved architecture, while local shops and cafes bring a modern touch. Dayton’s outdoor activities, waterfront parks, and nearby attractions offer opportunities for adventure and relaxation.

Homes for sale in Dayton, TN

Apartments for rent in Dayton, TN

12. Manchester, TN

Median sale price: $290,000 

Walk Score: 64

In Manchester, past and present intertwine to create a lifestyle that’s rich in community and comfort. The iconic Bonnaroo Music and Arts Festival that takes over the town annually brings an electric buzz and a flood of music enthusiasts from all corners of the country. With its friendly neighbors and events like the annual Moon Pie Festival, life in Manchester offers a warm, welcoming atmosphere that’s hard to resist.

Homes for sale in Manchester, TN

Apartments for rent in Manchester, TN

13. Smithville, TN

Median sale price: $250,000 

Walk Score: 56

Smithville’s lakeside views and quaint delights offer a pleasant escape from the ordinary. The town’s closeness to Center Hill Lake allows residents to enjoy boating, fishing, and lakeside picnics. Residents come together during the Fiddler’s Jamboree, celebrating local talent in music and crafts and showcasing the heartwarming spirit that defines Smithville.

Homes for sale in Smithville, TN

Apartments for rent in Smithville, TN

Wrapping up small towns in Tennessee

In these 13 small towns in Tennessee, residents discover not just houses, but homes, and not just neighbors, but an extended family that shares stories, experiences, and the simple joys of life. These towns are a testament to the enduring beauty of the Volunteer State, where every corner is filled with the magic of hospitality, history, and heartfelt connections.

Source: redfin.com

Apache is functioning normally

Amid the picturesque landscapes of Tennessee, a collection of captivating small towns beckons with their unique stories, warm hospitality, and vibrant community spirit. These towns offer more than just houses; they offer a glimpse into the heart of the Volunteer State’s culture, traditions, and way of life. In this article, we’ll embark on a journey through the 11 small towns in Tennessee, uncovering the experiences, attractions, and the genuine Southern charm that make each town a welcoming haven.

1. Paris, TN

Median sale price: $235,000 

Walk Score: 68

Nestled along the Tennessee River, this town’s historic downtown boasts well-preserved architecture, specialty boutiques, and local cafes that tell tales of bygone eras. Paris is also home to the iconic Eiffel Tower replica, a testament to its French heritage.

Homes for sale in Paris, TN

Apartments for rent in Paris, TN

2. Brownsville, TN

Median sale price: $200,000 

Walk Score: 66

Brownsville invites residents to experience a blend of culture and community that defines its character. If you’re a music lover, swing by the West Tennessee Delta Heritage Center, where you can learn all about the birthplace of blues music. And for a bit of history, the Tina Turner Museum at Flagg Grove School is a must-see – it’s where the Queen of Rock ‘n’ Roll herself went to school. 

Homes for sale in Brownsville, TN

Apartments for rent in Brownsville, TN

3. Lexington, TN

Median sale price: $270,000 

Walk Score: 61

Located amidst rolling hills, Lexington offers a sanctuary where nature and nostalgia thrive. The town’s historic architecture and tree-lined streets create a picturesque backdrop, while local parks provide opportunities for outdoor activities and relaxation.

Homes for sale in Lexington, TN

Apartments for rent in Lexington, TN

4. Humboldt, TN

Median sale price: $232,750 

Walk Score: 61

Humboldt is a small town in Tennessee with some big surprises. If you’re a vintage collector, their Main Street is like a treasure trove of antique shops that are just begging to be explored. And if you’re a bit of a history buff, the West Tennessee Regional Art Center is housed in a former railroad depot. Fun fact: Humboldt proudly claims to be the “Tomato Capital of the World,” and they even throw a big Tomato Festival every year.

Homes for sale in Humboldt, TN

Apartments for rent in Humboldt, TN

5. Arlington, TN

Median sale price: $431,397

Walk Score: 55

Arlington seamlessly blends suburban comforts with the tranquility of rural living. The town’s well-planned neighborhoods and parks create a friendly and fun atmosphere, while its local amenities and shops offer convenience. Arlington’s close proximity to Memphis allows residents to enjoy city attractions while coming home to the serenity of the suburbs.

Homes for sale in Arlington, TN

Apartments for rent in Arlington, TN

6. Martin, TN

Median sale price: $243,250 

Walk Score: 59

Home to the University of Tennessee at Martin, this town provides learning not just in the classroom, but in every corner. The university’s events, cultural offerings, and sports games contribute to the town’s lively environment. Martin’s local shops, eateries, and coffeehouses provide spaces for connection and relaxation.

Homes for sale in Martin, TN

Apartments for rent in Martin, TN

7. Bolivar, TN

Median sale price: $120,000 

Walk Score: 60

Bolivar offers people an escape from the hustle and bustle, where life moves at a pace that embraces simplicity. If you’re up for a bit of adventure, visit the Hatchie River for kayaking and fishing – perfect for a lazy day on the water. For a slice of history, check out The Pillars, a historic mansion that’s been around since the 1820s.

Homes for sale in Bolivar, TN

Apartments for rent in Bolivar, TN

8. Henderson, TN

Median sale price: $145,000 

Walk Score: 59

Located less than 2 hours from Memphis lies the small town of Henderson. Its proximity to Chickasaw State Park provides both natural respite and opportunities to explore its historical facets. For architect enthusiasts, the Chester County Courthouse clock tower presents an intriguing subject. 

Homes for sale in Henderson, TN

Apartments for rent in Henderson, TN

9. Dyersburg, TN

Median sale price: $215,900 

Walk Score: 47

In Dyersburg, life is a harmonious blend of city comforts and the serenity of the countryside. The town’s local shops, eateries, and events cater to a variety of tastes, while its nearby natural attractions offer outdoor explorations. Dyersburg’s strong sense of unity is reflected in its gatherings and local initiatives that bring residents together.

Homes for sale in Dyersburg, TN

Apartments for rent in Dyersburg, TN

10. Mount Carmel, TN

Median sale price: $320,000 

Walk Score: 14

Mount Carmel offers a quiet corner where small-town charm prevails. For a taste of adventure, take a hike along the serene trails of Bays Mountain Park, where you might spot elusive wildlife and catch stunning panoramic views. The town is also home to Long Hollow Canopy Tours, where you can zip line through lush forests for an exhilarating experience.

Homes for sale in Mount Carmel, TN 

Apartments for rent in Mount Carmel, TN

11. Dayton, TN

Median sale price: $397,000 

Walk Score: 49

Sitting along the banks of the Tennessee River, Dayton offers a riverside retreat and a glimpse into history. The town’s historic district showcases well-preserved architecture, while local shops and cafes bring a modern touch. Dayton’s outdoor activities, waterfront parks, and nearby attractions offer opportunities for adventure and relaxation.

Homes for sale in Dayton, TN

Apartments for rent in Dayton, TN

12. Manchester, TN

Median sale price: $290,000 

Walk Score: 64

In Manchester, past and present intertwine to create a lifestyle that’s rich in community and comfort. The iconic Bonnaroo Music and Arts Festival that takes over the town annually brings an electric buzz and a flood of music enthusiasts from all corners of the country. With its friendly neighbors and events like the annual Moon Pie Festival, life in Manchester offers a warm, welcoming atmosphere that’s hard to resist.

Homes for sale in Manchester, TN

Apartments for rent in Manchester, TN

13. Smithville, TN

Median sale price: $250,000 

Walk Score: 56

Smithville’s lakeside views and quaint delights offer a pleasant escape from the ordinary. The town’s closeness to Center Hill Lake allows residents to enjoy boating, fishing, and lakeside picnics. Residents come together during the Fiddler’s Jamboree, celebrating local talent in music and crafts and showcasing the heartwarming spirit that defines Smithville.

Homes for sale in Smithville, TN

Apartments for rent in Smithville, TN

Wrapping up small towns in Tennessee

In these 13 small towns in Tennessee, residents discover not just houses, but homes, and not just neighbors, but an extended family that shares stories, experiences, and the simple joys of life. These towns are a testament to the enduring beauty of the Volunteer State, where every corner is filled with the magic of hospitality, history, and heartfelt connections.

Source: redfin.com

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Key findings about discrimination in home valuations are under dispute. That hasn’t stopped them from informing policy decisions.

During the past two years, regulators and lawmakers have introduced and adopted new rules and guidelines aimed at curbing the impacts of racial bias on home valuations. But some appraisers and researchers insist these efforts have been based on faulty data.

Conflicting findings from a pair of non-profit research groups call into question whether or not recent actions will improve financial outcomes for minority homeowners without leading to banks and other mortgage lenders taking on undue risks.

The debate centers on a 2018 report from the Brookings Institution, which found that homes in majority-Black neighborhoods are routinely discounted relative to equivalent properties in areas with little or no Black population, a trend that has exacerbated the country’s racial wealth gap. The study, which adjusts for various home and neighborhood characteristics, found that homes in Black neighborhoods were valued 23% less than homes in other areas.

“We believe anti-Black bias is the reason this undervaluation happens,” the report concludes, “and we hope to better understand the precise beliefs and behaviors that drive this process in future research.”

The study, titled “Devaluation of assets in Black neighborhoods,” has been cited by subsequent reports published by Fannie Mae and Freddie Mac, academics and White House’s Property Appraisal and Valuation Equity, or PAVE, task force, which used the data to inform its March 2022 action plan to address racial bias in home appraisal.

Meanwhile, as the Brookings’ findings proliferated, another set of research — based on the same models and data — has largely gone untouched by policymakers. In 2021, the American Enterprise Institute replicated the Brookings study but applied additional proxies for the socioeconomic status of borrowers. 

By simply adding a control for the Equifax credit risk score for borrowers, the AEI research asserts, the average property devaluation for properties in Black neighborhoods falls to 0.3%. The researchers also examined valuation differences between low socioeconomic borrowers and high socioeconomic borrowers in areas that were effectively all white and found that the level of devaluation was equal to and, in some cases, greater than that observed between Black-majority and Black-minority neighborhoods.

“That, to us, really suggests that it cannot be race but it has to be due to other factors — socioeconomic status, in particular — that is driving these differences in home valuation,” said Tobias Peter, one of the two researchers at the AEI Housing Center who critiqued the Brookings study. 

Contrasting conclusions

Peter and his co-author, Edward Pinto, who leads the AEI Housing Center, acknowledge that there could be bad actors in the appraisal space who, either intentionally or through negligence, improperly undervalue homes in Black neighborhoods. But, they argue, the issue is not systemic and therefore does not call for the time of sweeping changes that the PAVE task force has requested. 

Brookings researchers have refuted the AEI findings, arguing that, among other things, their controls sufficiently rule out socioeconomic differences between borrowers as the cause of valuation differences. They also attribute the different outcomes in the AEI tests to the omission of the very richest and very poorest neighborhoods. 

Jonathan Rothwell, one of the three Brookings researchers along with Andre Perry and David Harshbarger, said the conclusion reached by AEI’s researchers ignored the well documented history of racial bias in housing. 

“No matter how nuanced and compelling the research is, no one can publish anything about racial bias in housing markets, without our friends Peter and Pinto insisting there is no racial bias in housing markets,” Rothwell said. “Everyone agrees that there used to be racial bias in housing markets. I don’t know when it expired.”

Mark A. Willis, a senior policy fellow at New York University’s Furman Center for Real Estate and Urban Policy, said the source of the two sets of findings might have contributed to the response each has seen. While both organizations are non-partisan, AEI, which leans more conservative, is seen as having a defined agenda, while the centrist Brookings enjoys a more neutral reputation.

Still, Willis — who is familiar with both studies but has not tested their findings — said while the Brookings report notes legitimate disparities between communities, the AEI findings demonstrate that such differences cannot solely be attributed to racial discrimination.

“The real issue here is there are differences across neighborhoods in the value of buildings that visibly look alike, maybe even technically the neighborhood characteristics look alike, but aren’t valued the same way in the market,” Willis said. “Whatever that variable is, Brookings hasn’t necessarily found that there’s bias in addition to all of the other real differences between neighborhoods.”

Setting the course or getting off track?

The two sets of findings have become endemic to the competing views of home appraisers that have emerged in recent years. On one side, those in favor of reforming the home buying process — including fair housing and racial justice advocates, along with emerging disruptors from the tech world — point to the Brookings report as a seminal moment in the current push to root out discriminatory practices on a broad scale.

“It’s been really helpful in driving the conversation forward, to help us better define what is bias and be specific about how we communicate about it, because there’s a number of different types of bias potentially in the housing process,” Kenon Chen, executive vice president of strategy and growth for the tech-focused appraisal management company Clear Capital, said. “That report really … did a good job of highlighting systemic concerns and how, as an industry, we can start to take a look at some of the things that are historical.”

Appraisers, meanwhile, say the Brookings findings made them a scapegoat for issues that extend beyond their remit and set them on course for enhanced regulatory scrutiny.  

“What’s causing the racial wealth gap is not 80,000 rogue appraisers who are a bunch of racists and are going out and undervaluing homes based on the race of the homeowner or the buyer, but rather it’s a deeply rooted socioeconomic issue and it has everything to do with buying power and and socioeconomic status,” Jeremy Bagott, a California-based appraiser, said. “It’s not a problem that appraisers are responsible for; we’re just providing the message about the reality in the market.”

Responses to the Brookings study and other related findings include supervisory guidelines around the handling of algorithmic appraisal tools, efforts to reduce barriers to entry into the appraisal profession and greater data transparency around home valuation across census tracts. 

But appraisers say other initiatives — including what some see as a lowering of the threshold for challenging an appraisal — will make it harder for them to perform their key duty of ensuring banks do not overextend themselves based on inflated asset prices.

Even those who favor reform within the profession have taken issue with the Brookings’ findings. Jonathan Miller, a New York-based appraiser who has deep concerns about the lack of diversity with the field — which is more than 90% white, mostly male and aging rapidly — said using the study as a basis for policy change put the government on the wrong track. 

“There’s something wrong in the appraisal profession, and it’s that minorities are not even close to being fairly represented, but the Brookings study doesn’t connect to the appraisal industry at all,” Miller said. “Yet, that is the linchpin that began this movement. … I’m in favor of more diversity, but the Brookings’ findings are extremely misleading.”

Willis, who previously led JPMorgan Chase’s community development program, said appraisers are justified in their concerns over new policies, noting this is not the first time the profession has shouldered a heavy blame for systemic failures. The government rolled out new reforms for appraisers following both the savings and loan crisis of the 1980s and the subprime lending crisis of 2007 and 2008. 

But, ultimately, Willis added, appraisers have left themselves open to such attacks by allowing bad — either malicious or incompetent — actors to enter their field and failing to diversify their ranks. 

“It seems clear that the burden is on the industry to ensure that everybody is up to the same quality level,” he said. “Unless the industry polices itself better and is more diverse, it is going to remain very vulnerable to criticism.”

Source: nationalmortgagenews.com

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The U.S. Department of Housing and Urban Development (HUD) this week announced a package of regulatory and administrative waivers that will allow the use of HUD funding to assist with the recovery of Maui after the island endured a series of devastating wildfires. The waivers come as thousands of government-backed mortgages on the island have been impacted by the disaster, according to data released by the office of Hawaii Gov. Josh Green (D).

Based on the data, 5,200 mortgages serviced by Freddie Mac, 9,800 mortgages serviced by Fannie Mae and 2,400 mortgages serviced by Ginnie Mae on Maui have all been impacted by the fires. Additionally, 1,300 Federal Housing Administration (FHA) mortgages including two public housing and two senior living buildings have been impacted, as well as 927 U.S. Department of Veterans Affairs (VA) mortgages.

However, this data only provides a partial picture. The governor’s office said that the Lāhainā and Kula areas are “still being assessed.” Lāhainā, a popular tourist destination on the island, was the town most affected by the spread of the wildfires. Most of the structures in the town were destroyed.

HUD’s waiver package aims to accomplish five key goals in assistance for Maui, including suspending the community development block grant (CDBG) public services cap to provide additional support services related to the effects of the disaster on individuals and families, which will allow for HUD funds to pay for food, water and “other emergency needs,” HUD said.

The funds will also allow for new housing construction with CDBG funding in declared-disaster areas, and provide flexibility in HOME tenant-based rental assistance requirements “to reduce burden for those seeking assistance.” The HOME local matching contribution requirements will also be waived in an effort to provide “greater flexibility in the entities that can expeditiously provide housing to displaced persons and repair properties damaged by the disaster.”

Finally, the waivers will allow for an extension of time so that  “individuals can receive temporary assistance, including CDBG emergency grant payments and ESG rental assistance.”

The Consumer Financial Protection Bureau (CFPB) has also been active in the conversation since Americans will typically aim to find ways to donate money, clothing or other materials to the disaster area in the immediate aftermath and beyond. CFPB warns that some bad actors typically aim to take advantage of these inclinations.

“It’s natural to want to lend a hand to others who have been affected by an emergency,” CFPB said in an announcement distributed on Friday. “You can share our tips for sending financial support to others, including fast facts about mobile apps. And, refer to our tips for avoiding scams and fraud that can entrap people trying to help.”

Source: housingwire.com

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Located among Pennsylvania’s rolling hills and picturesque landscapes are a collection of delightful small towns, each with its own unique character and treasures waiting to be discovered. These small towns in Pennsylvania offer more than just a place to call home; they provide a glimpse into the heart of the Keystone State’s culture and history. In this article, we’ll embark on a journey through Pennsylvania’s hidden gems, delving into the stories, attractions, and experiences that make these small towns truly exceptional.

1. Camp Hill, PA

Median sale price: $330,000 

Walk Score: 78

Camp Hill is a town where comfort and community seamlessly come together. Its tree-lined streets and charming neighborhoods create an inviting atmosphere for all. Local parks provide a space to gather and play, while independent boutiques and eateries contribute to the town’s vibrant downtown area.

Homes for sale in Camp Hill, PA

Apartments for rent in Camp Hill, PA

2. Wellsboro, PA

Median sale price: $167,450 

Walk Score: 69

Wellsboro’s charm is woven into its historic downtown and the natural beauty that surrounds it. The town is known for the iconic gas street lights that illuminate its streets making it a must-see area at night. Nearby, the stunning Pine Creek Gorge, also known as the “Grand Canyon of Pennsylvania,” offers breathtaking views and hiking trails. 

Homes for sale in Wellsboro, PA

Apartments for rent in Wellsboro, PA

3. Throop, PA

Median sale price: $261,500 

Walk Score: 29

This town’s serene environment is perfect for those seeking a slower pace of life, with local parks and green spaces providing opportunities for relaxation. Throop’s tight-knit community fosters a sense of togetherness, where neighbors become friends and shared experiences create lasting memories.

Homes for sale in Throop, PA

Apartments for rent in Throop, PA

4. Paxtonia, PA

Median sale price: $267,500 

Walk Score: 60

Paxtonia strikes a harmonious balance between modern amenities and suburban charm. The town’s quiet streets and welcoming neighborhoods offer a friendly setting, while nearby shopping centers and eateries provide convenience.

Homes for sale in Paxtonia, PA

Apartments for rent in Paxtonia, PA

5. Towanda, PA

Median sale price: $141,375 

Walk Score: 63

Towanda serves as a gateway to the scenic beauty of rural Pennsylvania, offering a picturesque setting that embraces the surrounding countryside. The town’s historic downtown is adorned with timeless architecture and local shops, while nearby rivers and forests provide opportunities for outdoor adventures such as fishing and hiking. 

Homes for sale in Towanda, PA

Apartments for rent in Towanda, PA

6. Paxtang, PA

Median sale price: $320,000 

Walk Score: 74

Paxtang’s historic charm is complemented by its modern conveniences, creating a perfect blend of old and new. One unique feature is the Paxtang Cemetery, established in 1774, which reflects the town’s historical significance. The annual Paxtang Art Association’s Summer Arts and Crafts Festival draws locals and visitors to enjoy creative works and celebrate artistic expression. Interesting fact: Paxtang was once part of William Penn’s original land grant and played a role in the American Revolution,

Homes for sale in Paxtang, PA

Apartments for rent in Paxtang, PA

7. Old Forge, PA

Median sale price: $189,550 

Walk Score: 79

This small town in Pennsylvania is known as the “Pizza Capital of the World,” a title that speaks to the town’s strong culinary traditions. The town’s annual “Old Forge Pizza Crawl” is an exciting event where people can sample different styles of this iconic dish from various restaurants. Beyond its delicious offerings, Old Forge boasts pleasant streets lined with local businesses and family-owned shops. 

Homes for sale in Old Forge, PA

Apartments for rent in Old Forge, PA

8. Lawnton, PA

Median sale price: $315,101 

Walk Score: 51

Lawnton offers the best of both worlds: the tranquility of a small town and the convenience of nearby urban amenities. The town’s parks and green spaces provide opportunities for relaxation and outdoor activities, while its location near the state capital offers access to cultural attractions and entertainment options.

Homes for sale in Lawnton, PA

Apartments for rent in Lawnton, PA

9. Enola, PA

Median sale price: $255,000 

Walk Score: 45

Enola’s closeness to the Susquehanna River offers a backdrop of natural beauty and recreational opportunities like boating, fishing, and hiking. The town’s riverfront parks provide spaces for picnics, kayaking, and scenic walks. Enola’s local businesses and eateries contribute to its welcoming atmosphere, creating a sense of community that thrives along the riverbanks.

Homes for sale in Enola, PA

Apartments for rent in Enola, PA

Wrapping up small towns in Pennsylvania

These small towns in Pennsylvania provide more than just houses; they offer a way of life that celebrates the essence of Pennsylvania’s culture and values. In their warm embrace, residents find not just houses, but homes, and not just neighbors, but lifelong friends.

Source: redfin.com

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The Great Lakes State has long been a treasure trove of natural beauty and urban charm.

For anyone thinking about relocating to Michigan, it can be hard to zero in on your new town with so many stellar options filling the state. Still, some spots shine a tad brighter than others. Whether it’s the allure of serene lakesides or the hustle and bustle of a burgeoning metropolis, the best places to live in Michigan offer rich experiences in tight communities.

From the cultured streets of Ann Arbor to the rejuvenated spirit of Detroit, and the coastal charisma of Traverse City to the northern mystique of Marquette, this article takes a dive into the must-consider locales of Michigan so you can rest assured you’ll settle down in the right place for you.

  • Population: 119,980
  • Average age: 27.7
  • Median household income: $65,745
  • Average commute time: 18.8 minutes
  • Walk score: 50
  • Studio average rent: $1,713
  • One-bedroom average rent: $1,963
  • Two-bedroom average rent: $2,060

Known for its tree-lined streets, friendly neighborhoods and welcoming community, Ann Arbor boasts a unique blend of small-town warmth with big-city amenities. This is a place where you can stroll through serene parks during the day and attend a world-class performance in the evening, all while breathing in that fresh Michigan air.

Often called the “Athens of the Midwest,” Ann Arbor’s commitment to education is evident. Home to the renowned University of Michigan, the city pulses with an intellectual vigor that attracts brilliant minds from all over the world. But it’s not just about higher education—the local public schools are some of the best in the state, ensuring that learners of all ages have access to quality education.

With the university at its heart, there’s a robust job market in education and research in Ann Arbor. Additionally, the thriving tech scene has earned it the nickname “Silicon Valley of the Midwest.” Biotech, healthcare and various startups also offer ample employment opportunities, making Ann Arbor a hotbed for professionals seeking growth outside of a large city.

Beyond its professional allure, Ann Arbor is rich in cultural attractions. The Ann Arbor Art Fair is one of the most celebrated events of its kind in the country. For film enthusiasts, the Michigan Theater offers an old-time cinema experience, while the diverse eateries reflect a truly global palate. And let’s not forget the Wolverines. Football Saturdays at the ‘Big House’ turn the entire town maize and blue.

For nature enthusiasts, the Huron River offers a serene escape and the city’s numerous parks and trails invite year-round exploration. Meanwhile, those who appreciate bustling nightlife will find no shortage of bars, music venues and theaters to quench their thirst for entertainment.

  • Population: 33,366
  • Average age: 34
  • Median household income: $54,167
  • Average commute time: 24.7 minutes
  • Walk score: 47
  • Studio average rent: $N/A
  • One-bedroom average rent: $1,115
  • Two-bedroom average rent: $1,282

Holland radiates a unique charm, characterized by its harmonious blend of historic allure and modern comforts. Its streets, with well-maintained Dutch architecture, invite leisurely walks, while the wafting scent of tulips in spring is enough to enchant anyone into feeling they’ve stepped into a European fairy tale.

As with many of the best places to live in Michigan, Holland places a strong emphasis on education. Hope College, a private liberal arts institution, stands as a testament to the city’s commitment to academic excellence. Local public schools also provide high-quality education, ensuring that young minds are nurtured and well-prepared for the future.

Holland’s economy is diverse. From manufacturing to tourism, the city offers a range of employment prospects. Companies like Herman Miller and Haworth have put Holland on the map in the realm of furniture design and production. Additionally, the healthcare and education sectors provide ample opportunities for professionals.

The annual Tulip Time Festival is a riot of color and a celebration of Holland’s Dutch roots, drawing visitors from near and far. Windmill Island Gardens, featuring the authentic working windmill “De Zwaan,” offers a glimpse into traditional Dutch scenery. And then, there’s the gorgeous Holland State Park, a favorite for its sandy beaches and iconic red lighthouse, providing residents and tourists alike an open space to bask in Lake Michigan’s splendor.

The city’s downtown district is a treasure trove of boutiques, eateries and breweries, making it a hub for daytime exploration and evening entertainment. And as the seasons change, Holland ensures there’s always something to do, be it ice skating in the winter or boat rides throughout summer.

  • Population: 198,401
  • Average age: 31
  • Median household income: $49,201
  • Average commute time: 20.4 minutes
  • Walk score: 57
  • Studio average rent: $1,295
  • One-bedroom average rent: $1,150
  • Two-bedroom average rent: $1,401

Grand Rapids offers a rhythm of life that suits the bustling city-lover and the laid-back homebody. With the Grand River flowing through its heart, the city’s landscape is adorned with lush parks and scenic spots ideal for relaxation and recreation. Its neighborhoods, each with its distinct personality, ensure there’s a niche for everyone, whether you fancy urban chic or suburban tranquility.

Among the best places to live in Michigan, Grand Rapids stands tall with its commitment to education. With institutions like Grand Valley State University and Aquinas College, the city fosters an environment of intellectual curiosity and growth. The public and private K-12 schools are also commendable, nurturing the next generation with a blend of tradition and innovation.

Historically a furniture manufacturing hub, today’s Grand Rapids boasts a thriving medical research industry, thanks to establishments like the Van Andel Institute. The craft beer industry, technology and finance sectors further diversify the employment landscape, making it a hotspot for professionals across different fields.

No overview of Grand Rapids would be complete without a nod to its artsy vibe. The city comes alive each year with ArtPrize, an open art competition that transforms its streets and parks into a dynamic art gallery. The Frederik Meijer Gardens & Sculpture Park is a harmonious blend of botanic beauty and artistry.

Beer enthusiasts, rejoice! Often hailed as ‘Beer City, USA’, Grand Rapids boasts a healthy community of breweries for the casual sipper and the connoisseur alike. Culinary delights are also aplenty, with a dining scene that’s diverse and delectable. And for those seeking retail therapy, the city’s shopping districts offer everything from high-end boutiques to quirky local stores.

  • Population: 15,500
  • Average age: 40.1
  • Median household income: $53,000
  • Average commute time: N/A
  • Walk score: 85
  • Studio average rent: $N/A
  • One-bedroom average rent: $1,200
  • Two-bedroom average rent: $1,700

Situated on the shores of Grand Traverse Bay, life in Traverse City feels like a continuous vacation. The city brilliantly balances the serene charm of lakeside living with the conveniences and vibrancy of urban life. Its neighborhoods, characterized by historic homes, modern condos and waterfront properties, cater to diverse tastes and lifestyles.

Traverse City’s commitment to education is apparent thanks to its status as one of the best places to live in Michigan. With a range of quality public and private schools, the city ensures a solid foundation for its younger residents. Northwestern Michigan College further complements the city’s educational ecosystem, providing excellent higher education opportunities.

The city’s economy, though rooted in tourism and agriculture, has diversified over the years. The healthcare, education and technology sectors have seen significant growth as of late, offering a plethora of opportunities for professionals. Plus, with the city being Michigan’s top producer of tart cherries, the agriculture sector remains a strong employer.

Traverse City’s attractions are as diverse as they are delightful. The annual National Cherry Festival celebrates the city’s agricultural heritage with gusto. And for the outdoorsy types, Sleeping Bear Dunes National Lakeshore is a majestic landscape waiting to be explored.

Traverse City’s culinary scene is a delightful exploration in itself. From farm-to-table restaurants to buzzing breweries, the city is a gastronomic paradise. Downtown Traverse City, with its boutique shops and vibrant arts scene, promises endless hours of leisure and discovery.

  • Population: 639,111
  • Average age: 34.8
  • Median household income: $30,894
  • Average commute time: 26.4 minutes
  • Walk score: 53
  • Studio average rent: $947
  • One-bedroom average rent: $1,320
  • Two-bedroom average rent: $1,589

Detroit’s storied past has sculpted its vibrant present. From the upscale living spaces of Midtown to the historic charm of Corktown, Detroit offers a diverse range of neighborhoods to suit every taste. The waterfront along the Detroit River provides a peaceful respite from city life, while the rhythm of Motown music reverberates in the hearts of its residents.

Detroit’s commitment to education is undeniable. Institutions like Wayne State University anchor the city’s higher education aspirations, while efforts are continually underway to strengthen K-12 public education. Various charter and private schools also offer myriad choices for families.

As the birthplace of the American automobile industry, Detroit remains a hub for engineering and manufacturing. But it’s not just about cars anymore. The city is experiencing a tech boom, with startups and established companies alike calling Detroit home. Healthcare, finance and the arts also contribute significantly to the employment landscape.

Detroit’s attractions resonate with its history and its revival. The Detroit Institute of Arts stands as a testament to the city’s appreciation for culture. The Motown Museum offers a trip down memory lane, celebrating the city’s rich musical legacy. And for sports enthusiasts, Detroit roars with pride for its Lions, Tigers, Red Wings and Pistons.

Detroit’s culinary scene is a delightful fusion of its multicultural roots. From mouth-watering coney dogs to high-end restaurants, there’s a dish for every palate. The Eastern Market, the largest historic public market district in the U.S., teems with fresh produce and local crafts. Additionally, the burgeoning nightlife, with theaters, bars and music venues, ensures that the city never sleeps.

  • Population: 21,000
  • Average age: 41.5
  • Median household income: $100,000
  • Average commute time: 22.5 minutes
  • Walk score: 60
  • Studio average rent: $N/A
  • One-bedroom average rent: $1,372
  • Two-bedroom average rent: $1,510

Life in Birmingham is like stepping into an idyllic painting. With tree-lined streets, manicured parks and picturesque neighborhoods, it offers residents a serene and upscale environment. This city seamlessly merges the quaint charm of a small town with the cosmopolitan allure of a modern urban center.

Birmingham’s commitment to education is both deep and evident. The Birmingham public schools district consistently ranks among the top in the state, with accolades for academics and sports. Several private institutions in and around the area further ensure that families have high-quality choices for their children’s education.

While Birmingham is primarily residential, its proximity to Detroit and other business hubs provides residents with a ton of employment opportunities. From automotive to technology, healthcare to finance and more, the surrounding areas cater to professionals across a large number of sectors.

Downtown Birmingham is a shopper’s paradise and a diner’s delight. With a blend of high-end boutiques, elegant eateries and cozy cafes, it promises an experience rather than just a visit. The Birmingham Historical Museum offers insights into the town’s rich history.

An active lifestyle is easy to maintain in Birmingham. The city boasts numerous parks, golf courses and walking trails. Seasonal events, like the Birmingham Winter Markt and the city’s farmers market, further enrich the community spirit and offer delightful experiences for residents and visitors alike.

  • Population: 13,000
  • Average age: 39.3
  • Median household income: $80,000
  • Average commute time: 27.6 minutes
  • Walk score: 87
  • Studio average rent: $N/A
  • One-bedroom average rent: $1,985
  • Two-bedroom average rent: $2,770

With its quaint downtown, scenic parks and inviting neighborhoods, Rochester offers residents a unique blend of small-town warmth and modern sophistication. The city, with its well-preserved historic buildings, creates an atmosphere that’s both nostalgic and contemporary, making daily life a delightful experience.

Rochester’s dedication to fostering bright futures is evident in its educational institutions. The Rochester Community Schools district is renowned for its academic excellence and comprehensive programs. Nearby colleges and universities also ensure that higher education opportunities are easily accessible for locals.

While Rochester exudes a small-town vibe, its employment prospects are anything but limited. Its proximity to Detroit and other commercial hubs provides a healthy selection of opportunities in industries ranging from automotive to healthcare to technology to finance and more.

Downtown Rochester is a treasure trove of boutique shops and delectable dining spots. Rochester Municipal Park, with its serene trails and beautiful waterways, offers a tranquil escape for nature lovers. Meanwhile, the Rochester Hills Museum at Van Hoosen Farm provides fascinating glimpses into the area’s history.

Community spirit shines bright in Rochester. The city hosts an array of events, from the Art & Apples Festival celebrating arts and local produce to the Rochester Hometown Christmas Parade, Michigan’s largest Christmas parade.

  • Population: 59,000
  • Average age: 35.3
  • Median household income: $70,000
  • Average commute time: 24.5 minutes
  • Walk score: 57
  • Studio average rent: $2,310
  • One-bedroom average rent: $2,794
  • Two-bedroom average rent: $3,344

Royal Oak has a uniquely harmonious blend of serene neighborhoods and bustling streets. From its tree-canopied neighborhoods to the lively downtown, the city promises a lifestyle that’s as tranquil as it is enticing, catering to families, young professionals and newly minted retirees alike.

Royal Oak’s dedication to education shines brightly with its array of reputable public schools. The Royal Oak Neighborhood Schools consistently garner praise for their holistic approach to education. Additionally, a number of private institutions and nearby colleges offer a well-rounded educational environment.

While Royal Oak itself is teeming with local businesses, its strategic location near Detroit provides residents with an expansive spectrum of employment opportunities. From the healthcare sector to automotive and from media to technology, career prospects are as diverse as they are abundant.

Downtown Royal Oak is a hub of activity, offering a medley of boutique shops, eclectic eateries and pulsating nightlife. The renowned Detroit Zoo, situated in Royal Oak, promises delightful experiences for the young in age and the young at heart. For artsy types, the Royal Oak Music Theatre hosts an impressive array of performances, while the city’s multiple events, like the annual Arts, Beats & Eats, celebrate the fusion of art, music and gastronomy.

Royal Oak is a city that loves to celebrate. From the lively summer farmers market to the spectacular holiday parade, there’s always something to look forward to. Nature enthusiasts can explore the multiple parks dotted throughout the city, while those looking for a taste of the cosmopolitan can indulge in the city’s dynamic coffee culture, innovative restaurants and chic bars.

  • Population: 5,700
  • Average age: 42.3
  • Median household income: $45,500
  • Average commute time: 17.2 minutes
  • Walk score: 86
  • Studio average rent: $N/A
  • One-bedroom average rent: $800
  • Two-bedroom average rent: $825

Life in Petoskey feels like a beautiful interlude from a bygone era. With its Victorian architecture, serene lakeside vistas and friendly neighborhoods, it offers a tranquil retreat from the frenetic pace of big city life. The seasons transform the city — ensuring that residents are perpetually surrounded by nature’s splendor.

The Public Schools of Petoskey are well-known champions of quality education. With a strong focus on academics, sports and extracurricular activities, the schools collectively nurture holistic development. North Central Michigan College further provides higher education opportunities within the city itself.

While tourism undeniably drives a significant portion of Petoskey’s economy, there’s more to its employment landscape. The healthcare, retail and education sectors offer a lot of opportunities. Plus, the entrepreneurial spirit thrives here, with many small businesses and artisan shops scattered throughout the city.

Petoskey is nature’s canvas. Petoskey State Park is a paradise for those who love the outdoors, offering everything from hiking to sunbathing on its sandy shores. But there’s more than just natural beauty. The Gaslight Shopping District is a haven for anyone looking to indulge in retail therapy or sample local delicacies.

Petoskey’s events calendar is always buzzing. The annual Festival on the Bay celebrates the town’s lakeside heritage with music, food and family-friendly activities. And when winter rolls around, residents and visitors alike indulge in skiing, snowmobiling and other snowy delights.

  • Population: 21,000
  • Average age: 28.6
  • Median household income: $42,500
  • Average commute time: 18.5 minutes
  • Walk score: 47
  • Studio average rent: $N/A
  • One-bedroom average rent: $ 600
  • Two-bedroom average rent: $575

Living in Marquette is akin to embracing a life where nature and adventure beckon at every corner. The city combines the comfort of a tight-knit community with the excitement of the untamed outdoors. Whether it’s the vibrant hues of autumn, the crisp white of winter or the verdant bloom of spring and summer, each season paints a unique canvas, enhancing the life of its residents.

Marquette is a hub of academic excellence in the Upper Peninsula. Northern Michigan University anchors the city’s educational scene, offering diverse programs and acting as a catalyst for cultural events. The Marquette Area Public Schools also ensure that younger residents receive a top-notch education.

While Marquette’s foundation was laid on mining and shipping, today, its employment landscape is anything but singular. Healthcare, led by the UP Health System-Marquette, education and tourism are major employers. The city’s entrepreneurial spirit is also palpable, with numerous local businesses and startups adding to its economic dynamism.

Nature is Marquette’s grandest attraction. From the panoramic views at Sugarloaf Mountain to the tranquility of Presque Isle Park, the outdoors beckon endlessly. But there’s more. Downtown Marquette offers a melange of boutiques, restaurants and social venues. For history buffs, the Marquette Maritime Museum provides a deep dive into the region’s rich nautical past.

Whether it’s mountain biking, skiing, kayaking or hiking, Marquette offers it all. And for those moments of reflection, the serene beaches of Lake Superior offer a perfect escape. The city’s festivals, like the UP Fall Beer Festival, are also a testament to its vivacious spirit and community bond.

Find where you’ll live in the Great Lakes State.

In the heartland of America’s Midwest, Michigan’s cities and towns have carved out niches that speak to the diversity and dynamism of its residents. From the college vibes of Ann Arbor to the historic charm of Rochester; the lakeside beauty of Holland to the bustling streets of Royal Oak, there’s a place in Michigan that resonates with every soul.

Finding the best places to live in Michigan involves more than just reading a list; it requires a willingness to experience the multifaceted spirit of a state that melds the old with the new. Whether seeking arts, adventure or a secluded place to sit on your own, one thing is for sure: Michigan has a corner, street or shoreline waiting to be called home.

Ready to settle down? Find your next apartment in your favorite Michigan town right here.

Rent prices are based on an average from Rent.’s available rental property inventory as of July 2023. The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

Source: rent.com

Apache is functioning normally

Step into the heartwarming embrace of 12 beautiful small towns in Ohio, where history, community, and charm come together. In this article, we’ll take you on a journey through a collection of Ohio’s lesser-known treasures, each with its own distinctive character. These towns may be small in size, but their warmth and character are immeasurable. Join us as we delve into the stories and attractions that make these towns truly special.

1. Pataskala, OH

Median sale price: $375,000 

Walk Score: 66

Pataskala seamlessly blends historical roots with contemporary comforts. This town offers a welcoming atmosphere where friendly faces and community events are the norm. Stroll through downtown to discover charming boutiques and local eateries, and take in the beauty of its historic architecture. 

Homes for sale in Pataskala, OH

Apartments for rent in Pataskala, OH

2. Baltimore, OH

Median sale price: $310,950 

Walk Score: 58

Baltimore’s serene ambiance makes it a retreat from the bustling world, offering a tranquil escape for those seeking a slower pace. Quaint streets lined with elegant homes evoke a sense of nostalgia, while local markets and festivals bring residents together. Nature enthusiasts can explore nearby parks and hiking trails, embracing the town’s natural beauty.

Homes for sale in Baltimore, OH

Apartments for rent in Baltimore, OH

3. Circleville, OH

Median sale price: $213,000 

Walk Score: 72

This town’s historic downtown buzzes with local shops, showcasing the talents of artisans and entrepreneurs. From annual pumpkin festivals to farmers’ markets, Circleville embraces traditions that celebrate its spirit.

Homes for sale in Circleville, OH

Apartments for rent in Circleville, OH

4. Obetz, OH

Median sale price: $340,000 

Walk Score: 43

Eclectic shops and offbeat attractions give Obetz an endearing personality, while local events add a touch of excitement to daily life. The town’s many green spaces and parks offer opportunities for leisure and outdoor recreation.

Homes for sale in Obetz, OH

Apartments for rent in Obetz, OH

5. Geneva, OH

Median sale price: $179,000 

Walk Score: 63

Located along the shores of Lake Erie, Geneva is a perfect place for those seeking lakeside living. The town’s rich maritime history is reflected in its museums and nautical atmosphere. Residents and visitors alike enjoy waterfront strolls, beachside picnics, and captivating sunsets.

Homes for sale in Geneva, OH

Apartments for rent in Geneva, OH

6. Logan, OH

Median sale price: $170,000 

Walk Score: 62

Logan is a nature lover’s paradise, offering a backdrop of lush forests and serene landscapes. The town’s history is intertwined with the Hocking Hills region, known for its stunning caves, waterfalls, and hiking trails. Quaint shops and local eateries provide a taste of local flavors, while cultural events celebrate the area’s artistic spirit. 

Homes for sale in Logan, OH

Apartments for rent in Logan, OH

7. New Lexington, OH

Median sale price: $132,000

Walk Score: 64

Tucked away amidst rolling hills, New Lexington exudes a sense of authenticity that’s hard to come by. The town’s welcoming community embraces a laid-back pace of life, where connections are meaningful and stories are shared. Local cafes and markets invite gatherings, while the surrounding hills offer outdoor adventures like hiking, biking, and bird watching.

Homes for sale in New Lexington, OH

Apartments for rent in New Lexington, OH

8. Wapakoneta, OH

Median sale price: $160,000 

Walk Score: 74

Wapakoneta shines as a town with a stellar history, being the hometown of astronaut Neil Armstrong. The Armstrong Air & Space Museum pays tribute to this legacy, captivating visitors with its exhibits and artifacts. Additionally, the annual Summer Moon Festival brings the community together for parades, concerts, and moon pie-eating contests, showcasing the town’s pride in its remarkable past.

Homes for sale in Wapakoneta, OH

Apartments for rent in Wapakoneta, OH

9. Delphos, OH

Median sale price: $158,000 

Walk Score: 73

This town’s historic architecture and landmarks tell tales of generations past, while local businesses and events reflect a forward-thinking spirit. One of its unique offerings is the Delphos Canal Commission Museum, which highlights the town’s connection to the Miami and Erie Canal. Visitors can also explore Stadium Park, a picturesque outdoor space with a lake, walking trails, and a vintage carousel.

Homes for sale in Delphos, OH

Apartments for rent in Delphos, OH

10. Columbus Grove, OH

Median sale price: $128,500 

Walk Score: 51

This small town in Ohio has welcoming streets dotted with local shops and eateries that exude a sense of familiarity. A strong sense of belonging is nurtured through community events, fairs, and gatherings. In Columbus Grove, residents find comfort in the everyday connections that make life truly fulfilling.

Homes for sale in Columbus Grove, OH

Apartments for rent in Columbus Grove, OH

11. Louisville, OH

Median sale price: $226,500 

Walk Score: 77

Louisville weaves a colorful tapestry of traditions, making it a town that cherishes its history and embraces the future. Visitors can also explore the Louisville Constitution Center, a museum dedicated to Ohio’s constitutional history. Fun fact: Louisville is home to Haines House Underground Railroad Museum, an essential stop for those interested in the history of the Underground Railroad and its impact on the region.

Homes for sale in Louisville, OH

Apartments for rent in Louisville, OH

12. North Canton, OH

Median sale price: $248,500 

Walk Score: 69

The Pro Football Hall of Fame, one of the most iconic sports museums in the world, is located in North Canton. It’s a must-visit for football enthusiasts, featuring exhibits that honor the sport’s greatest players, coaches, and moments. Looking for something else to do? The town is also home to the Hoover Historical Center, providing visitors a unique glimpse into the life of the Hoover family, known for their vacuum iconic cleaners.

Homes for sale in North Canton, OH

Apartments for rent in North Canton, OH

Wrapping up small towns in Ohio

From historic havens to lakeside escapes, these small towns in Ohio offer one-of-a-kind experiences that touch the heart and inspire a sense of belonging. In the embrace of their charm, residents find not just houses, but homes, and not just neighbors, but lifelong friends.

Source: redfin.com

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When you’re fighting your way through the holiday hordes at the mall, it can be tough to get into the Christmas spirit. Luckily, some people–and places–seem to be immune to those troubles.

Here are 5 places that really go above and beyond.

1. Santa Claus, Indiana

With a name like that, you can bet this Midwestern town has a little extra Christmas spirit. Because of its name, the local post office receives thousands of letters to Santa each holiday season. And since 1914, a group of volunteers called Santa’s Elves have been answering each one.

The town boasts several holiday themed attractions, like the Santa Claus Museum and Santa’s Candy Castle.

Even the locals get in on the action. A large portion of the town’s 2,481 residents reside in Christmas Lake Village, a gated community containing three lakes: Christmas Lake and Lakes Holly and Noel.

2. The Garabedian Family House, New York

MARIO TAMA/GETTY IMAGES, via NY Daily News

For more than 40 years, the Garabedian family of the Bronx has been putting up an elaborate holiday display, with dozens of party-going mannequins dressed to look like celebrities and fictional characters. The whole display was the project of  the family’s matriarch Nelly, who was a seamstress. Over the years, the collection has grown, with the help of her children.

The yearly spectacle is one of New York’s best-loved holiday displays. It even has its own Yelp page.

3. North Pole, Alaska

Santa Claus, Indiana has some competition for most Christmas-obsessed town.

In North Pole, the street lights are decorated like candy canes and the world’s tallest fiberglass Santa lives outside Santa Claus House, a Santa-themed trading post that attracts tourists in the warmer months.

Much like Santa Claus (the town, that is), North Pole receives a lot of letters each December. Community groups also work hard to respond to them all.

4. Durango, Colorado

via colorado.com

No place screams “Christmas” quite like snowy, mountainous ski country. Durango happens to have all that and more.

From November to January, the Durango Silverton Narrow Gauge Railroad transforms into the Polar Express, complete with all the characters children remember from the book. And that’s not even getting into their program of other holiday-themed events.

5. Holiday World, Indiana

via roadtrippers.com

Alright, so Holiday World takes more than just Christmas seriously.

This holiday-themed amusement park (located in previously mentioned Santa Claus, Indiana) has sections for Halloween, Thanksgiving, and the Fourth of July, in addition to Christmas.

The one downside?

It closes each year from October to April—though Santa does stick around throughout the normal operating season to have a chat with any children already planning ahead for Christmas morning.

Source: totalmortgage.com