Homeowners who purchased in the last year or so could drive themselves nuts trying to find the perfect time to refinance. After all, it hurt bad enough to miss out on those once-in-a-lifetime low rates of 2020 and 2021, and it’s hard to pull the trigger when refinancing today could potentially mean missing out on even lower rates next week.
This week was a great example of how much mortgage interest rates can change in a short window of time. The 30-year fixed-rate mortgage rate spiked 21 basis points to an average of 6.4%. That’s a whopping 51 basis points more than in the week ending Sept. 19, immediately following the last Federal Reserve meeting. A basis point is one one-hundredth of a percentage point.
Rather than waiting for rates to hit their lowest, homeowners may be better off calculating what rate would give them a reasonable break-even point — the number of months or years it would take to recoup the refinancing costs — and make that their goal.
For instance, suppose a borrower got a $300,000 30-year conventional mortgage in early October 2023 at a rate of 7.5%, which was typical for that time. Refinancing to 6.12% — the average rate posted by Freddie Mac on Oct. 3, 2024 — would result in monthly savings of nearly $300 and savings of $80,155 over the entire life of the loan. Assuming the borrower pays $6,500 in closing costs, the break-even point would be 22 months, or just under two years.
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Won’t affect your credit score
Even small rate changes affect refi opportunities for millions
While Fed watchers are predicting further cuts to the federal funds rate through the rest of this year, mortgage rates don’t have to vary much to create sizable implications for the refi market. According to an October report from real estate tech firm ICE Mortgage Technology, rates falling from 6.4% in August to 6.1% in September grew the number of households who would benefit from refinancing by 1.3 million. An additional mortgage rate drop of 25 basis points (which is within a fair range of normal weekly or even daily changes) would add another 1.2 million to that pool of potential refi candidates.
On the flip side, an Oct. 9 Zillow analysis of homebuying data estimates that approximately 275,000 more households would benefit by refinancing at 6.1% than at 6.6%. According to Zillow, that 0.5-percentage-point rate increase represents a combined loss of over $6 billion in potential refinance savings over five years.
What to do if you’re thinking about refinancing
If you find that refinancing may soon be on the table after you’ve calculated your target rate, you can prepare by getting your financial profile in shape. Get a copy of your credit report, and contact the credit reporting bureaus if you note any mistakes. Pay down existing debts as much as possible, as lowering your debt-to-income ratio will make you a more attractive borrower and can get you a lower interest rate. You should also avoid making any large purchases on credit, like buying a new car or financing new furniture.
Additionally, if you’ve only recently purchased your home, review your closing contract to see if there’s a prepayment penalty for refinancing before a certain number of months have passed. If you’re stuck with that fee, you’ll want to factor that into your break-even calculations and see if that affects your goal rate.
Explore mortgages today and get started on your homeownership goals
Get personalized rates. Your lender matches are just a few questions away.
MISMO has announced that its Mortgage Compliance Dataset (MCD) specification has reached “Candidate Recommendation” status, meaning the MCD has gone through an extensive review from different organizations and industry participants and is now available for use. The MCD is intended for state and federal regulators, as well as compliance vendors, to conduct testing of closed … [Read more…]
The Navy Federal Credit Union (NFCU) cashRewards Plus card now earns 2% cashback on all purchases. (Press Release) The standard cashRewards version earns 1.5%. Apparently, anyone who is approved for a credit line of $5,000+ will get the Plus version and lower credit line approvals get the standard version.
Both versions come with the same $200 signup bonus after spending $2,000 within 90 days. (Note: We have seen better bonuses on this card in the past.) They also currently come with a bonus for a $98 credit when you spend at least $49 on Walmart+ membership. This offer is valid through 1/1/25.
Many existing cashRewards cardholders are being upgraded to the Plus version and getting 2% on all purchases, as discussed in this prior post.
Between 2000 and 2021, the average published tuition and fees increased from the following amounts, after adjusting for inflation, according to Best Colleges:
• $2,146 to $3,564 at public two-year schools
• $5,638 to $9,596 at public four-year schools
• $25,468 to $37,222 at private nonprofit four-year institutions
This article will cover the average cost of college tuition and fees in 2024, the increase in college tuition costs, the reasons for the rise of average college tuition, and college tuition options you may want to consider for yourself.
Average Cost of College in 2023-24
In 2023-24, the average published price for tuition and fees for full-time undergraduate students were as follows, according to the College Board’s Trends in College Pricing and Student Aid:
• $11,260 for public four-year in-state institutions, $270 higher than in 2022-2023
• $29,150 for public four-year out-of-state institutions, $850 higher than in 2022-2023
• $3,990 for public two-year in-district institutions (including average community college tuition), $100 higher than in 2022-2023
• $41,540 for private nonprofit four-year institutions, $1,600 higher than in 2022-2023
Recommended: Average Cost of College Tuition
Increase in College Tuition Cost Over the Last 10 Years
Generally speaking, tuition has increased in the past decade. According to data from the College Board, the average published tuition price at a four-year nonprofit university during the 2013-2014 school year was $30,094, while in 2023-2024 that number jumped to $41,540.
Reasons for the Rise of Average College Tuition
The rise of college tuition over the past few decades can be attributed to several key factors, including:
Reduced State Funding
One of the primary reasons for rising tuition costs, especially at public institutions, is the decline in state funding for higher education. As states allocate less money to colleges and universities, these institutions often compensate by increasing tuition to cover budget shortfalls.
Increased Administrative Costs
Colleges have expanded administrative staff and services, including student support, campus amenities, and compliance with federal regulations. This growth in administrative functions adds to overall expenses, which are often passed on to students in the form of higher tuition.
Expansion of Campus Facilities
Many colleges invest in new buildings, state-of-the-art facilities, and upgraded dormitories to attract prospective students and remain competitive. These capital expenditures are expensive and often lead to increased tuition to help finance the construction and maintenance of these facilities.
Rising Faculty Salaries and Benefits
The cost of faculty salaries and benefits, including health care and retirement plans, has risen steadily. As colleges strive to attract and retain top talent, these increased personnel costs contribute to higher tuition.
Student Demand for More Services
There is a growing demand from students for more comprehensive services, such as mental health counseling, career advising, and extracurricular activities. Providing these additional services requires funding, which often results in tuition hikes to cover these enhanced offerings.
Together, these factors create a complex landscape where college tuition continues to rise, making affordability a significant concern for many students and families.
Recommended: How to Pay for College
Total Cost of College Over Time
While the cost of tuition has increased over the years, the prices of room and board, books, school supplies, and other necessities have also risen. The cost of room and board has almost doubled since the 1960s, going from $6,700 to more than $12,000, according to Best Colleges.
On Campus vs. Off Campus
How much you spend on college will vary depending on whether you live at home, on campus, or off campus. The College Board found that the cost of living on campus has increased slightly faster than the cost of living off campus, such as in an apartment or house with friends.
Total Cost of College Over Time by School Type
Of course, the type of school you attend (public or private) will also affect the total cost of attendance. Over the last nearly 60 years, the average cost across all institutions has increased 135%. It increased the most at private institutions at 187% and the least at two-year colleges, at 69%.
College Financing Options
Numerous college financing options exist for students. Students can tap into various options to pay for costs. Undergraduate students received an average of $15,480 of financial aid 2022-2023, according to the College Board’s Trends in College Pricing and Student Aid.
Students may rely on scholarships, grants, work-study, and student loans, in addition to personal savings to pay for their education.
Scholarships
Scholarships refer to money received from colleges or other organizations that students don’t have to pay back. Only about 7% of students receive scholarships, with the average student who receives one getting $14,890 annually at a four-year institution.
Student Loans
Students can take advantage of federal or private loans. Federal loans are provided by the U.S. Department of Education. To apply for a federal student loan, students need to fill out the Free Application for Federal Student Aid (FAFSA®) each year.
Private student loans are provided by banks, credit unions, and other financial institutions. These are separate from any sort of federal aid, and as a result, lack the protections afforded to federal student loans — like income-driven repayment options or the ability to apply for Public Service Loan Forgiveness. For this reason, private student loans are generally considered by students only after they have reviewed and exhausted all other options for financing.
Recommended: How to Complete the FAFSA Step by Step
Grants
Students can tap into federal, state, or institutional grants. Grants can also come from employers or private sources. Like scholarships, grants typically do not need to be repaid. They are mostly awarded based on financial need, and students will generally need to complete the FAFSA to qualify for them.
Work-Study
Students can get a work-study award, which is money they must earn when they attend college. They must file the FAFSA in order to qualify for work-study and must work a job on campus to receive the money.
Personal Savings
According to Sallie Mae’s annual How America Pays for College 2024 report, 37% of students receive help from their parents to pay for college, and 11% use their own income and savings. Strategies for parents paying for college include things like setting up an account designed to help parents save for college or other educational expenses, putting work bonuses or tax refunds into savings, and setting aside funds each month to put toward college.
The Takeaway
The average college tuition continues to increase. In 2000, the college tuition at a private four-year institution was $15,470, and now in 2024 it’s $38,421. There are a number of reasons for increasing tuition rates, including factors like a decrease in state funding, lack of regulation, and an increase in operating costs at colleges and universities.
Many students rely on financial aid to pay for college. Financial aid includes federal student loans, certain grants and scholarships, and work-study programs.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
FAQ
How much has college tuition increased since 2000?
Since 2000, college tuition has significantly increased, jumping about 65% between 2000 and 2021. This surge reflects growing education costs, which have outpaced inflation and wage growth, making higher education increasingly expensive and contributing to the student loan debt crisis faced by many graduates.
How much has the total cost of college increased over the last decade?
Over the last decade, the total cost of college, including tuition, fees, room, and board, has increased by about 10% at public institutions and around 19% at private institutions. This rise reflects growing expenses in education and living costs, making college significantly more expensive for students and families.
How much has college tuition increased in 2024?
In 2024, college tuition increased by 1.6% over the last 12 months. However, this number will vary depending on the institution and whether it is public or private. These increases are consistent with the ongoing trend of rising education costs, impacting students’ financial planning and contributing to higher student loan borrowing.
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SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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As “The Last Frontier,” Alaska is home to untouched nature, from snow-capped peaks and icy blue glaciers to unparalleled wildlife and colorful northern lights. The state’s rugged beauty and diverse landscapes mean there are plenty of towns that embrace this outdoorsy lifestyle. So if you’re looking for a mountain town in Alaska to call home, then you’re in the right place.
At Rent., we’ve curated a list of the best mountain towns in Alaska to consider living in this year. From the majestic Chugach Mountains to the serene Kenai Mountains, there’s a place for everyone in Alaska. Let’s jump in and see what mountain towns made the list.
1. Anchorage
Mountain range: Chugach Mountains
Average rent price: $2,152
Population: 293,530
Houses for rent in Anchorage, AK
Apartments for rent in Anchorage, AK
Homes for sale in Anchorage, AK
Anchorage is Alaska’s largest city, located in the shadow of the Chugach Mountains, offering residents a unique blend of city life and the adventure of the great outdoors. In the heart of Alaska, Anchorage served as a gateway to the Chugach National Forest, Denali State Park, the Kenai Fjords National Park, and Lake Clark National Park and Preserve which showcase the state’s unparalleled beauty.
The Tony Knowles Coastal Trail, Rabbit Lake Trail, and Kincaid Park offer miles of hiking and biking paths with stunning views. Anchorage offers easy access to skiing at Alyeska Resort or exploring the wilderness of Chugach State Park. With a vibrant dining scene and cultural attractions like the Alaska Native Heritage Center, the Anchorage Museum, and the Alaska Center for the Performing Arts, Anchorage appeals to those seeking adventure and comfort.
2. Delta Junction
Mountain range: Alaska Range
Average rent price: $1,425
Population: 900
Houses for rent in Delta Junction, AK
Apartments for rent in Delta Junction, AK
Homes for sale in Delta Junction, AK
Delta Junction, a serene town at the edge of the Alaska Range, offers a peaceful retreat for those looking to escape. It’s a place where the northern lights dance across the sky, and the wilderness is your backyard. The nearby Delta River provides opportunities for fishing and rafting, while the Rika’s Roadhouse at Big Delta State Historical Park offers a glimpse into the area’s past.
It’s also close to Clearwater State Recreation Site, Tanana Valley State Forest, and the city of Fairbanks. With its small population, Delta Junction provides a tight-knit community feel, making it an ideal spot for those seeking solitude and adventure.
3. Homer
Mountain range: Kenai Mountains
Population: 5,870
Houses for rent in Homer, AK
Apartments for rent in Homer, AK
Homes for sale in Homer, AK
Homer, perched on the edge of Kachemak Bay, is a picturesque town known for its stunning views of the Kenai Mountains and its vibrant arts community. The Homer Spit, a long strip of land reaching into the bay, is lined with shops, restaurants, monuments like the Seafarer’s Memorial, and galleries. Some places in town to visit include the Homer Farmers Market, the Pratt Museum, and the Alaska Maritime National Wildlife Refuge Visitor Center.
Outdoor enthusiasts can explore Kachemak Bay State Park, where there are plenty of hiking trails and kayaking routes. Homer’s reputation as the “Halibut Fishing Capital of the World” also attracts anglers from all over. Despite its small size, Homer’s charming atmosphere and natural beauty make it a captivating place to live.
4. Juneau
Mountain range: Coast Mountains
Average rent price: $2,380
Population: 32,230
Houses for rent in Juneau, AK
Apartments for rent in Juneau, AK
Homes for sale in Juneau, AK
Juneau, Alaska’s capital city, is a gem located between the Coast Mountains and the Gastineau Channel. It’s a city where history, nature, and culture converge. The Mendenhall Glacier, Eaglecrest Ski Area, and Tongass National Forest offer unparalleled opportunities for outdoor exploration, from hiking and wildlife viewing to glacier treks and skiing.
Juneau’s rich history is on display at sites like the Alaska State Museum, the Goldbelt Tram, The Whale Project, and the historic downtown area. Even with its remote location, Juneau has a vibrant community with a diverse culinary scene and arts culture, making it an attractive place for those who love nature and history.
5. Ketchikan
Mountain range: Coast Mountains
Average rent price: $1,838
Population: 7,970
Houses for rent in Ketchikan, AK
Apartments for rent in Ketchikan, AK
Homes for sale in Ketchikan, AK
Ketchikan, known as the “Salmon Capital of the World,” is a coastal town that offers a mix of outdoor adventure and cultural experiences. Located along the Inside Passage, a popular route for Alaska cruise ships, Ketchikan has visitors throughout the year. The town is the gateway to the Misty Fjords National Monument, where dramatic cliffs and waterfalls create a stunning landscape for boating and kayaking.
Ketchikan’s rich indigenous culture is celebrated at the Totem Heritage Center, which houses one of the largest collections of totem poles in the world. You can also explore historic sites like Totem Bight State Historical Park, Saxman Totem Park, and the Tongass Historical Museum. The downtown area, with its historic Creek Street, offers quaint shops and eateries. Ketchikan’s location in the Coast Mountains also provides opportunities for hiking and wildlife viewing.
6. Kodiak
Mountain range: Kodiak Mountains
Population: 5,420
Houses for rent in Kodiak, AK
Apartments for rent in Kodiak, AK
Homes for sale in Kodiak, AK
Kodiak Island, with its rugged Kodiak Mountains, is a haven for adventurers and nature lovers. The island is renowned for its large population of Kodiak bears, and the Kodiak National Wildlife Refuge offers a sanctuary for these majestic creatures. Fishing, both commercial and recreational, is a way of life here, with the island’s waters teeming with salmon and halibut.
Kodiak’s rich Alutiiq heritage is celebrated at the Alutiiq Museum, which showcases the history and culture of the island’s indigenous people. You can also explore museums like the Kodiak Maritime Museum, the Kodiak History Museum, and the Friends of Kodiak State Parks. Even with its secluded location, Kodiak’s community is vibrant throughout the year.
7. Nome
Mountain range: Nome-Council Mountains
Population: 3,560
Houses for rent in Nome, AK
Apartments for rent in Nome, AK
Homes for sale in Nome, AK
Nome, situated on the edge of the Bering Sea, is steeped in gold rush history and rich cultural heritage. The Iditarod Trail Sled Dog Race, which ends in Nome, is a testament to the town’s adventurous spirit. Nome’s surrounding wilderness offers unparalleled opportunities for bird watching, fishing, and exploring the vast tundra.
The Carrie M. McLain Memorial Museum provides insights into Nome’s fascinating history. Despite its remote location, Nome’s community is welcoming, with events and activities that reflect the unique blend of Native Alaskan and gold rush cultures.
8. Palmer
Mountain range: Chugach Mountains
Average rent price: $2,865
Population: 7,040
Houses for rent in Palmer, AK
Apartments for rent in Palmer, AK
Homes for sale in Palmer, AK
Palmer, nestled in the Matanuska Valley, is known for its stunning scenery and agricultural heritage. The town is surrounded by the majestic Chugach Mountains, offering breathtaking views and outdoor activities such as hiking and glacier trekking. Palmer hosts the annual Alaska State Fair, which showcases the state’s agriculture and regional culture.
The town’s history as part of the New Deal colonization project is explored at the Colony House Museum and the Palmer Museum of History & Art. Palmer’s small-town charm, combined with its scenic beauty and community events, makes it a top mountain town in Alaska to live in.
9. Seward
Mountain range: Kenai Mountains
Population: 2,850
Houses for rent in Seward, AK
Apartments for rent in Seward, AK
Homes for sale in Seward, AK
Seward, located at the head of Resurrection Bay, is a gateway to the Kenai Fjords National Park. The town’s waterfront provides access to some of Alaska’s most stunning glacial landscapes and marine wildlife viewing, like the Exit Glacier Trail, the Harding Icefield Trail, and the Aialik Glacier.
Seward is also home to the Alaska SeaLife Center, a research facility and aquarium that offers insights into the region’s marine ecosystem. The town’s history as an ice-free port and railway terminus is on display at the Seward Community Library & Museum and the Kenai Fjords National Park Visitor Center. Seward’s natural beauty, combined with its history, makes it a captivating place to call home.
10. Sitka
Mountain range: Baranof Mountains
Population: 8,380
Houses for rent in Sitka, AK
Apartments for rent in Sitka, AK
Homes for sale in Sitka, AK
Located on the edge of Baranof Island, Sitka is a town where history and nature intertwine. The Sitka National Historical Park, the Sheldon Jackson Museum, and the Baranof Castle State Historic Site offer a glimpse into the area’s rich history. The town’s Russian heritage is evident in its architecture, including the iconic St. Michael’s Cathedral.
Surrounded by the lush Tongass National Forest and the rugged Baranof Mountains, Sitka offers endless outdoor activities, from hiking and fishing to wildlife viewing. For example, you can check out Indian River Water Falls, Whale Park, Thimbleberry and Heart Lake Trail, or Halibut Point Recreation Site. Sitka’s combination of natural beauty and history makes it a unique place to live.
11. Skagway
Mountain range: Chilkat Mountains
Population: 1,180
Houses for rent in Skagway, AK
Apartments for rent in Skagway, AK
Homes for sale in Skagway, AK
Skagway is known for its Klondike Gold Rush history, located in the popular Inside Passage. The Klondike Gold Rush National Historical Park tells the story of the thousands who passed through on their way to the gold fields. Skagway’s historic downtown, with its wooden sidewalks and preserved buildings, offers a glimpse into the past.
The White Pass & Yukon Route Railroad provides breathtaking scenic tours through the surrounding mountains. You can also explore the Haines State Forest and Chilkoot Lake State Recreation Site, which are great areas for enjoying the wilderness. Skagway’s small population and historic charm, combined with its stunning natural surroundings, make it a top mountain town.
12. Talkeetna
Mountain range: Alaska Range
Population: 1,040
Houses for rent in Talkeetna, AK
Apartments for rent in Talkeetna, AK
Homes for sale in Talkeetna, AK
Talkeetna sits at the base of the Alaska Range and is a quaint town with a big personality. Known as the staging ground for Denali expeditions, it’s a hub for climbers and adventurers. The town’s Main Street, with its rustic charm, is lined with cafes, shops, and galleries that showcase local art.
Talkeetna’s clear, dark skies make it an ideal spot for stargazing, especially to catch the northern lights. The annual Moose Dropping Festival and the Talkeetna Bluegrass Festival are just a couple of events that reflect the town’s quirky and welcoming community spirit.
13. Wasilla
Mountain range: Talkeetna Mountains
Average rent price: $1,800
Population: 10,040
Houses for rent in Wasilla, AK
Apartments for rent in Wasilla, AK
Homes for sale in Wasilla, AK
Wasilla, located in the heart of the Mat-Su Valley, is a town that offers a mix of modern conveniences and access to the great outdoors. The Iditarod Headquarters and the Museum of Alaska Transportation provide insights into Alaska’s history and culture. Wasilla’s proximity to the Talkeetna Mountains means residents are never far from hiking, fishing, and camping opportunities.
Some popular places to explore include the Wasilla Creek Boardwalk Trail and Reflections Lake Trail. The town has a variety of shopping and dining options, making it a convenient place to live for those who appreciate both nature and amenities. It’s also not far from Anchorage if you’re looking to spend the day in the city.
Note, this list is not comprehensive of all the mountain towns in Alaska. Average rental data from Rent.com during September 2024. Population data is sourced from the United States Census Bureau.
People receiving Social Security or Supplemental Security Income (SSI) benefits will see a 2.5% bump in their payments in 2025, the Social Security Administration announced today. The annual Social Security cost-of-living adjustment (COLA) will add an average of $50 per month to benefit checks.
About 72.5 million Americans receive benefits from Social Security or SSI. The SSA will send notices to recipients in December explaining their new benefit amount. That information also is available online for anyone who has a “my Social Security” account.
On average, beneficiaries receive $1,927 per month, according to the SSA. After the COLA increase in 2025, payments will average $1,976 per month.
The Social Security COLA averaged 2.6% over the past decade, putting this year’s adjustment in line with what’s been typical. But it’s a smaller bump than recipients saw in recent years of high inflation. Payments increased by 3.2% in 2024. In 2023, at the height of pandemic-fueled inflation, the increase was 8.7%.
The annual COLA is calculated based on the annual inflation rate from the third quarter of 2023 through the third quarter of 2024. The rate that’s used comes from a version of the consumer price index known as the Consumer Price Index for Urban Wage Earners and Clerical Workers. The CPI measures average price changes for everyday goods and services.
Penn’s efforts will extend to place-based initiatives in cities like Philadelphia, Columbus, Ohio, and Memphis, Tennessee, where MBA is working to improve housing affordability. She will also collaborate with consumer advocacy groups, civil rights organizations, and affordable housing stakeholders to tackle the complex challenges facing the housing market today. Before joining MBA, Penn spent over … [Read more…]
When people think of San Jose, they often picture its thriving tech hub and urban landscape, but the true essence of living in San Jose extends beyond the city center. The suburbs of San Jose are diverse residential areas that offer a quieter, more relaxed lifestyle while still providing easy access to the city’s innovative spirit and Silicon Valley’s vibrant amenities. These San Jose suburbs are spread across various parts of the Bay Area, each with its own unique character and appeal.
In this ApartmentGuide article, we’ll explore some of the most notable San Jose suburbs—from tech-driven communities to serene, nature-filled retreats—highlighting key aspects such as population, average rent, and what makes each area stand out. Whether you’re searching for the perfect apartment in San Jose or curious about the different San Jose neighborhoods around the city, let’s discover the best parts of San Jose to call home.
Cost of living in San Jose
Before we dive into the top suburbs of San Jose, let’s cover how much it costs to live in this tech-driven city. The overall cost of living in San Jose is 78% higher than the national average. Housing is a major factor, with the median sale price for a home in San Jose at around $1,370,000, which is nearly 217% higher than the national average of $432,657. Rent follows a similar trend, with the average rent for a one-bedroom apartment in San Jose at $2,931, significantly more than the national average of $1,514.
While some suburbs around San Jose offer more affordable options, others can be just as expensive, if not more. In this article, we’ll explore a range of top suburbs, providing different lifestyle and housing opportunities depending on your budget and preferences.
1. Cupertino
Known for: Tech-driven economy, proximity to Apple headquarters, and top-rated schools
Cupertino is best known as the home of Apple Inc., a fact that has had a massive impact on the city’s economy and development. As a tech-centric suburb, Cupertino has a strong job market, particularly in the technology sector, making it highly desirable for professionals working in Silicon Valley. Beyond the tech scene, Cupertino offers a peaceful, suburban lifestyle with highly-rated public schools, making it appealing to many. The city’s De Anza College adds a vibrant educational environment, and Rancho San Antonio Open Space Preserve offers residents access to hiking trails and beautiful natural landscapes.
The suburban community is primarily residential, with well-maintained parks, green spaces, and shopping centers, providing plenty of amenities without the hustle and bustle of larger cities.
Population: 60,000 Average rent for a one-bedroom apartment: $3,363 Median home sale price: $3,002,500 Cupertino transportation scores: Walk Score 48, Bike Score 65, Transit Score 32
Apartments for rent in Cupertino, CA | Houses for rent in Cupertino, CA | Homes for sale in Cupertino, CA
2. Palo Alto
Known for: Stanford University, thriving tech scene, upscale living
Palo Alto is considered one of the most prestigious suburbs of San Jose, home to Stanford University and a tech powerhouse in its own right. The city is known for its upscale residential areas, offering large, elegant homes, tree-lined streets, and a tranquil suburban feel. Palo Alto’s vibrant downtown is filled with high-end restaurants, boutiques, and coffee shops, making it a lively spot for dining and socializing.
It’s also a hub for Silicon Valley innovation, with many startups and large tech companies setting up shop here. Access to excellent schools, beautiful public parks, and nature preserves like the Baylands Nature Preserve makes Palo Alto a sought-after destination for many.
Population: 66,000 Average rent for a one-bedroom apartment: $3,688 Median home sale price: $3,620,000 Palo Alto transportation scores: Walk Score 61, Bike Score 91, Transit Score 37
Apartments for rent in Palo Alto, CA | Houses for rent in Palo Alto, CA | Homes for sale in Palo Alto, CA
3. Sunnyvale
Known for: Tech companies, diverse population, vibrant downtown
Sunnyvale is a lively and diverse suburb of San Jose, centrally located in Silicon Valley. It has become a major employment hub, with notable companies like LinkedIn and Yahoo! based here, driving the demand for housing and contributing to the area’s dynamic atmosphere. Sunnyvale’s downtown area has undergone revitalization, with new housing developments, restaurants, and shopping centers sprouting up.
The city is known for its community-oriented vibe, with local events, parks, and recreation centers providing plenty of opportunities for leisure and social interaction. Proximity to Shoreline Park and other natural spaces offers a break from city life, allowing residents to enjoy biking, hiking, and waterfront activities.
Population: 155,000 Average rent for a one-bedroom apartment: $3,516 Median home sale price: $1,825,000 Sunnyvale transportation scores: Walk Score 60, Bike Score 78, Transit Score 40
Apartments for rent in Sunnyvale, CA | Houses for rent in Sunnyvale, CA | Homes for sale in Sunnyvale, CA
4. Mountain View
Known for: Google headquarters, vibrant downtown, outdoor recreation
Mountain View is a bustling suburban city, famously home to Google and other major tech companies. The city has a lively downtown area, offering a mix of dining, shopping, and entertainment options. Castro Street is a popular destination for residents and visitors alike, boasting a range of international restaurants, cafes, and boutique stores. Mountain View also appeals to nature lovers, with Shoreline Lake Park offering opportunities for hiking, bird-watching, and water sports. Its proximity to the Bay Trail makes it easy for residents to enjoy outdoor activities while remaining close to the urban amenities of Silicon Valley. The city’s diverse housing options range from modern apartments to spacious homes, making it accessible to a variety of residents.
Population: 82,000 Average rent for a one-bedroom apartment: $3,887 Median home sale price: $1,820,000 Mountain View transportation scores: Walk Score 66, Bike Score 92, Transit Score 41
Apartments for rent in Mountain View, CA | Houses for rent in Mountain View, CA | Homes for sale in Mountain View, CA
5. Los Gatos
Known for: Charming downtown, wine country, upscale living
Los Gatos is a small yet affluent town located in the foothills of the Santa Cruz Mountains, offering a slower-paced, picturesque lifestyle. The downtown area is known for its boutique shops, gourmet restaurants, and thriving wine scene, making it a popular spot for weekend outings and day trips. The historic charm of Los Gatos, combined with its luxury real estate market, attracts those looking for a peaceful, upscale lifestyle close to Silicon Valley. Vasona Lake County Park and Sierra Azul Open Space Preserve provide residents with scenic outdoor spaces for recreation, making it ideal for those who enjoy hiking, biking, and nature walks. The town has a strong sense of community, with local events and farmers’ markets creating a warm and welcoming atmosphere.
Population: 30,000 Average rent for a one-bedroom apartment: $2,664 Median home sale price: $2,700,000 Los Gatos transportation scores: Walk Score 47, Bike Score 51
Apartments for rent in Los Gatos, CA | Houses for rent in Los Gatos, CA | Homes for sale in Los Gatos, CA
6. Milpitas
Known for: Diverse population, shopping, proximity to Silicon Valley
Milpitas is a diverse and growing suburb located on the northeastern edge of Silicon Valley, making it an affordable and convenient option for commuters. The town boasts several large shopping centers, including the Great Mall, and a wide array of restaurants featuring international cuisine. The diversity of Milpitas makes it a vibrant community, welcoming residents from different backgrounds. Housing options range from apartments to suburban homes, and the city is also seeing new residential developments. The town is also home to several parks and outdoor spaces, offering residents a chance to enjoy nature while staying close to the urban amenities of San Jose and Silicon Valley.
Population: 80,000 Average rent for a one-bedroom apartment: $2,846 Median home sale price: $1,360,000 Milpitas transportation scores: Walk Score 54, Bike Score 66, Transit Score 36
Apartments for rent in Milpitas, CA | Houses for rent in Milpitas, CA | Homes for sale in Milpitas, CA
7. Campbell
Known for: Downtown shopping, community events, suburban charm
Campbell is a small, charming suburb known for its lively downtown and community events. The city’s historic Campbell Avenue is home to numerous boutique shops, cafes, and entertainment venues, giving it a warm, small-town feel while still offering urban conveniences. The city hosts a variety of events throughout the year, including farmers’ markets, festivals, and outdoor concerts, fostering a strong sense of community. John D. Morgan Park and Los Gatos Creek Trail provide outdoor recreational opportunities, making Campbell a great place for those who enjoy active lifestyles. Despite its proximity to Silicon Valley, Campbell has maintained its quaint, suburban charm, making it a favorite among those seeking a quieter, more relaxed pace of life.
Population: 42,000 Average rent for a one-bedroom apartment: $2,604 Median home sale price: $1,820,000 Campbell transportation scores: Walk Score 55, Bike Score 71, Transit Score 39
Apartments for rent in Campbell, CA | Houses for rent in Campbell, CA | Homes for sale in Campbell, CA
8. Saratoga
Known for: Wine country, luxury living, natural beauty
Saratoga is one of the more affluent suburbs in the South Bay Area, known for its wine culture and luxurious lifestyle. Nestled against the foothills of the Santa Cruz Mountains, the town is surrounded by natural beauty and offers an escape from the busy pace of Silicon Valley. The area is home to several vineyards and wineries, making it a popular destination for wine enthusiasts. The town’s Villa Montalvo and Hakone Gardens provide cultural and outdoor attractions, offering residents art, history, and scenic beauty. Saratoga’s upscale housing market includes sprawling estates and quiet residential areas, making it an attractive place for those seeking tranquility and privacy.
Population: 30,000 Median home sale price: $4,105,000 Saratoga transportation scores: Walk Score 28, Bike Score 45
Apartments for rent in Saratoga, CA | Houses for rent in Saratoga, CA | Homes for sale in Saratoga, CA
9. Morgan Hill
Known for: Affordable housing, small-town feel, proximity to nature
Located south of San Jose, Morgan Hill is an up-and-coming suburb known for its small-town charm and affordability. Offering a slower pace of life compared to its more urban neighbors, Morgan Hill has seen growth in residential developments catering to those looking for more space and lower housing costs while staying within commuting distance of Silicon Valley. The town is surrounded by rolling hills and vineyards, offering scenic views and outdoor recreational opportunities, including hiking, cycling, and wine tasting. Anderson Lake County Park and Coyote Valley Open Space Preserve are popular local destinations for nature lovers. The town’s walkable downtown and strong sense of community make it a great place for those seeking a quieter lifestyle.
Population: 45,000 Average rent for a one-bedroom apartment: $3,206 Median home sale price: $1,300,000 Morgan Hill transportation scores: Walk Score 37, Bike Score 50, Transit Score 23
Apartments for rent in Morgan Hill, CA | Houses for rent in Morgan Hill, CA | Homes for sale in Morgan Hill, CA
Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the San Jose area. Average rent and home sale price data were sourced from Redfin and Rent.com as of October 2024. Transportation data, including Walk Scores, Bike Scores, and Transit Scores, was sourced from Walk Score.
Your credit reports contain a record of your borrowing and repayment history, including both positive and negative information. Negative entries (the kind that can hurt your scores) generally stay on your credit reports for seven years. By contrast, positive information (which can help build your credit) typically remains on your credit reports for at least 10 years, and can remain indefinitely.
Here’s a basic primer on what information goes on your credit reports, including how these entries affect your credit and how long they stay there.
Key Points
• Negative entries generally stay on credit reports for seven years; positive information can remain for at least 10 years.
• Credit scores range from 300 to 850, with higher scores indicating better credit health.
• Hard inquiries can affect credit scores and stay on reports for about 24 months; soft inquiries do not impact scores.
• Disputing errors and requesting goodwill deletions can help remove negative information from credit reports.
• The impact of negative entries diminishes over time, especially if you practice good financial habits.
What Is a Credit Score?
A credit score is a number designed to predict how likely a person is to repay a loan, based on their credit history. Credit scores generally range from 300 to 850, with higher scores indicating better credit health. Lenders and other creditors use your credit score to determine whether or not to approve your application for financing. Credit scores are also used to determine the interest rate and credit limit you receive.
You actually don’t have just one credit score, but several. The reason is that credit scores can be calculated using different credit reports (we each have three, one from each of the major consumer credit bureaus) and different scoring models. The two most commonly used scoring models are FICO® and VantageScore®.
Here’s a look at some of the main factors that affect your credit scores:
• Payment history: How consistently you pay your bills on time.
• Amounts owed: The total amount of debt you currently owe
• Credit utilization: How much of your available credit you’re using
• Length of credit history: How long you’ve had credit accounts open.
• New credit: How often you apply for new credit.
• Credit mix: The variety of credit types you have, such as credit cards, mortgages, and car loans.
• Negative events: Whether you have had a debt sent to collections, a foreclosure, or a bankruptcy, and how long ago.
💡 Quick Tip: Your credit score updates every 30-45 days. Free credit monitoring can help you learn about your score’s normal ups and downs — and when a dip is cause for concern.
What Is a Credit Report?
A credit report is a detailed record of your credit history compiled by one the three major credit bureaus — Equifax®, Experian® and TransUnion®. The bureaus collect and store financial information about you that is submitted to them by creditors (such as lenders and credit card companies). Creditors are not required to report to every credit bureau. As a result, your three credit reports may contain slightly different information. Your credit report updates when creditors send new information to the credit bureaus, which generally happens every month or so.
When you apply for credit, lenders will typically check one or more of your credit reports to determine your ability to repay loans. Negative information on your reports can signal higher risk and make it hard to secure credit or result in higher interest rates. You can access free copies of your credit reports by visiting AnnualCreditReport.com.
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How Long Does Positive Information Remain on Your Credit Report?
Positive information — such as timely payments and accounts in good standing — can remain on your credit report for up to 10 years. For example, an account that’s paid off in good standing (meaning there are no late or missed payments) will stay on your report for 10 years after the last payment was reported. This positive information can help maintain, or even build your credit, as it reflects your ability to handle credit responsibly.
Active accounts that are in good standing will continue to show up on your credit report indefinitely. Keeping these accounts open and in good standing can contribute positively to your credit history for as long as they are active.
How Long Does It Take for Information to Come off Your Credit Report?
Negative information doesn’t stay on your credit reports forever, but how long it remains depends on the type of negative entry:
• Late payments: Payments made 30 or more days late can remain on your credit reports for seven years from the date of the missed payment. Even if you bring the account current, the late payment entry remains.
• Collection accounts: When an unpaid debt is sent to a collection agency, a separate collections account will appear on your credit reports and stay there for seven years from the date of the original delinquency.
• Bankruptcies: Chapter 7 bankruptcies stay on your credit report for 10 years from the filing date, while Chapter 13 bankruptcies remain for seven years.
• Foreclosures: A foreclosure on your home can remain on your report for seven years.
💡 Quick Tip: Online tools make tracking your spending a breeze: You can easily set up budgets, then get instant updates on your progress, spot upcoming bills, analyze your spending habits, and more.
Will a Lender Getting a Copy of My Credit Report Affect My Score?
Whether a lender checking your credit report can affect your credit score will depend on the type of credit check they do.
Hard inquiry:This occurs when a lender or creditor checks your credit report as part of a credit application process, and stays on your credit report for about 24 months. One hard inquiry won’t have much, if any, impact on your credit scores. Multiple hard inquiries within a short time frame, on the other hand, can have a more significant effect. Fortunately, if you’re rate-shopping for the same type of credit (e.g., a mortgage or auto loan), multiple inquiries within a short period are usually grouped together as a single inquiry for credit-scoring purposes. Soft inquiry:A soft credit check is what happens when you check your own credit or when a lender preapproves you for an offer without a formal application. Also when an employer, insurer, or utility checks your credit, it’s typically a soft credit check. While soft inquiries remain on your credit reports for two years, they don’t impact your credit score.
Recommended: How Long Does It Take to Build Credit From Nothing?
How to Remove Negative Information From Your Credit Report
While most negative information must remain on your credit reports for a set time period, there are certain steps you can take to remove negative entries:
• Dispute errors:If there’s inaccurate or outdated negative information on any of your credit reports, you can file a dispute with the appropriate credit bureau online or by mail. The credit bureaus have 30 days to investigate your claim, and if the information is incorrect, it will be removed. Filing a dispute won’t hurt your credit, and could potentially have a positive impact if you’re able to get negative information off your credit reports.
• Request a goodwill adjustment:If you have a history of on-time payments but made one late payment, you might consider requesting what’s known as a “goodwill deletion.” This involves sending a letter to your creditor, explaining why you were late with a payment, and asking them to remove the negative entry from your report as a gesture of goodwill. Success depends on the creditor, but it can be worth asking if it’s a long-standing account and you’ve generally been a responsible borrower.
• Wait for negative information to drop off: If the negative information is accurate, your only option may be to wait for it to age off your report. Most negative entries remain for seven years, with some exceptions like Chapter 7 bankruptcy. Over time, however, the impact of negative information diminishes, and practicing good credit habits, such as lowering your credit utilization, can help mitigate its effects.
The Takeaway
Your credit reports contain a detailed history of both positive and negative financial actions, and how long that information stays on your reports varies depending on the nature of the account or event. Positive information, such as timely payments and accounts in good standing, can remain on your reports for 10 years-plus; negative information, such as late payments and bankruptcies, typically stays for seven to 10 years. While negative entries can take a toll on your credit scores, they don’t remain on your credit reports forever. And even while they are there, their influence lessens over time. To minimize the impact of negative information, it’s important to monitor your credit reports, dispute any inaccuracies, and maintain good financial habits moving forward.
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FAQ
Is it true that after seven years your credit is clear?
It depends on the type of negative entries that are in your credit reports. Late payments, collections, Chapter 13 bankruptcies, and foreclosures typically fall off after seven years. Chapter 7 bankruptcy stays on your credit reports for 10 years.
Can you get negative marks removed from your credit report?
It’s possible to remove negative marks from your credit report, but only if they are inaccurate, outdated, or unverifiable. If you notice any inaccurate information on your credit reports, you can file a dispute with the credit bureaus, either online or by mail. They are required to investigate within 30 days. If they find the information is inaccurate, they will remove it. Legitimate negative information, however, will generally remain on your credit report until its expiration date.
How long before a debt is uncollectible?
The time after which a debt becomes uncollectible, known as the statute of limitations, varies by state but is generally three to six years. Once the statute of limitations on a debt has expired, creditors can no longer sue you to collect payment, though they can still attempt to collect it. Keep in mind that the debt can remain on your credit reports for up to seven years (and impact your credit scores), even after it becomes legally uncollectible.
Photo Credit: iStock/miniseries SoFi Relay offers users the ability to connect both SoFi accounts and external accounts using Plaid, Inc.’s service. When you use the service to connect an account, you authorize SoFi to obtain account information from any external accounts as set forth in SoFi’s Terms of Use. Based on your consent SoFi will also automatically provide some financial data received from the credit bureau for your visibility, without the need of you connecting additional accounts. SoFi assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications, or personalization settings. You shall confirm the accuracy of Plaid data through sources independent of SoFi. The credit score is a VantageScore® based on TransUnion® (the “Processing Agent”) data.
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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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Considering moving to Louisiana? This lively state provides a unique culture, cuisine, and Southern charm, but like anywhere, it comes with its own set of challenges. From the deep cultural roots of New Orleans to the slower pace of rural parishes, life in Louisiana can be exciting, but it’s important to understand what living here is truly like. So, is Louisiana a good place to live? Let’s dive into the pros and cons of renting in Louisiana, and what you should expect.
Is Louisiana a good place to live?
Louisiana is well-known for its dynamic mix of French, African, and Spanish cultural influences, creating a rich atmosphere full of history, music, and food. Major cities like New Orleans and Baton Rouge offer bustling urban life, while smaller towns and bayou communities provide a quiet, scenic alternative. Whether you’re drawn to the state’s jazz festivals, its world-class cuisine, or its swampy natural beauty, Louisiana has a lot to offer. But with the perks come a few considerations—such as hurricane risks, humidity, and rural infrastructure—that could impact your decision.
Louisiana state overview
Population
4,657,757
Biggest cities in Louisiana
New Orleans, Baton Rouge, Shreveport
Average rent in New Orleans
$1,575
Average rent in Baton Rouge
$1,106
Average rent in Shreveport
$942
1. Pro: A hub for music and festivals
Few states can match Louisiana’s influence on the world of music. The birthplace of jazz, the state is famous for its vibrant music scene, especially in New Orleans, where live performances can be found nightly in clubs and on street corners alike. In addition, the state hosts a variety of music festivals throughout the year, such as the New Orleans Jazz & Heritage Festival and the Baton Rouge Blues Festival.
Insider tip: Head to Preservation Hall in New Orleans to catch traditional jazz performances in a historic setting, or check out the French Quarter Festival for a local favorite.
2. Con: Limited public transportation options
While cities like New Orleans offer streetcars and some bus services, public transportation across much of Louisiana is limited. If you live in a more rural area, you’ll likely need to rely on a personal vehicle for commuting and day-to-day errands, as public transit is sparse outside of the bigger urban centers.
3. Pro: A welcoming community vibe
Louisiana is known for its friendly, community-oriented atmosphere, especially in small towns. Southern hospitality is alive and well here, and many neighborhoods host regular events like crawfish boils, Mardi Gras celebrations, and farmers markets. This strong sense of community makes it easy to feel at home.
4. Con: High humidity and hurricane threats
While the warm weather is a draw for many, Louisiana’s tropical climate comes with high humidity that can be tough to handle, especially in the summer months. You’ll also need to be prepared for hurricane season, which lasts from June to November. Louisiana is often in the path of major storms, so it’s important to have a plan for weather-related emergencies.
Travel tip: If you’re visiting or moving to Louisiana during hurricane season, consider downloading an relevant apps, which provides real-time updates on storms, evacuation routes, and emergency shelters, helping you stay informed and safe.
5. Pro: Rich history and cultural landmarks
From the historic homes along the Mississippi River to the French Quarter’s iconic architecture, Louisiana is steeped in history. The state offers endless opportunities to explore its past, from Civil War sites to museums that celebrate its French Creole heritage. Additionally, New Orleans is famous for its ghost tours, and cities like Baton Rouge and Lafayette showcase the deep cultural history of the region.
Insider tip: Take a swamp tour near Lafayette to not only enjoy the natural beauty but also to learn about the region’s Acadian history.
6. Con: Infrastructure challenges in rural areas
Living in Louisiana’s more remote regions comes with certain drawbacks, particularly when it comes to infrastructure. Rural areas may struggle with reliable internet service and good road conditions, which can be a frustration if you rely on digital connectivity for work or leisure. In fact, about 21% of the state’s rural roads are rated in poor condition.
7. Pro: Nature and outdoor adventures
Louisiana’s swamps, bayous, and wetlands offer endless outdoor adventure. Whether it’s birdwatching, fishing, or kayaking through the Atchafalaya Basin, the state is full of ways to immerse yourself in nature. The many state parks, like Fontainebleau State Park and Kisatchie National Forest, are ideal for weekend getaways and camping.
Travel tip: For a unique outdoor experience, explore the Barataria Preserve, part of the Jean Lafitte National Historical Park, where you can hike along elevated boardwalks over swampy wetlands teeming with wildlife.
8. Con: A quieter nightlife outside major cities
If you’re a night owl, Louisiana’s smaller towns may feel a bit too sleepy. While New Orleans has a thriving nightlife scene with its famous Bourbon Street, many smaller communities don’t offer much in terms of bars, clubs, or late-night entertainment. The slower pace can be relaxing, but if you crave nightlife, you may need to stick to larger cities.
9. Pro: Low rent in major cities
Louisiana offers relatively low rent compared to many other states, making it an affordable option for those looking to save on housing costs. The average rent for a one-bedroom apartment in the state is around $1,304, with cities like Shreveport and Lake Charles offering even more affordable options, averaging $942 and $1,000 respectively. In contrast, New Orleans tends to have higher rent prices, with the average one-bedroom costing around $1,575. Whether you’re seeking budget-friendly living in smaller towns or more urban settings, Louisiana’s diverse range of rent prices can accommodate a variety of budgets.
10. Con: Pollution can be a concern
Pollution can be a significant concern in Louisiana, particularly due to its large industrial presence, including oil refineries and chemical plants along the Mississippi River, often referred to as “Cancer Alley.” Air quality in some areas can be affected by these industries, contributing to respiratory issues for residents. Additionally, water pollution from agricultural runoff and industrial waste poses challenges for both drinking water and wildlife.