Financial Wize

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There is apparently a “home cost crisis,” and a new fintech company called Mesa is looking to solve that.

It’s no secret that home prices are through the roof, and when coupled with much higher mortgage rates and things like skyrocketing homeowners insurance, it can put homeownership out of reach.

Or at the very least, make it a struggle for the average American to keep up. To ease this burden, the company has rolled out a suite of products to make homeownership a little more affordable.

Perhaps ironically, this new company operates out of Austin, Texas, one of the hardest hit housing markets nationwide.

The popular metro has suffered from a glut of housing supply as many remote tech workers packed their bags and moved back to wherever they came from.

What Is Mesa?

Referred to as the “first homeowner membership platform,” Mesa is actually a group of offerings aimed at making homeownership cheaper and more valuable.

This means putting better mortgage deals in front of prospective home buyers and giving them rewards when they make housing-related purchases.

Their first two products are the Mesa Mortgage Marketplace and the Mesa Homeowners Card.

The marketplace appears to operate similar to the Zillow Mortgage Marketplace. Prospective home buyers and existing homeowners looking to refinance can compare lenders in one place.

And aside from maybe scoring a lower rate and/or reduced closing costs, they can earn a portion of the loan amount back in rewards points.

Those who take out a loan via the Marketplace get 1% back in the form of rewards.

For example, a $500,000 loan amount would result in 500,000 rewards points, which would be worth $5,000.

Those points could then be redeemed for things like closing costs on the loan, or for travel, or even reinvested back into the home via an extra mortgage payment.

It’s important to note that Mesa is not a mortgage lender or a mortgage broker, but rather provides advertising for lenders and brokers via the marketplace and earns a fee.

The Mesa Homeowners Card

Their other main product at launch is the “Mesa Homeowners Card,” which they refer to as the first premium credit card designed specifically for homeowners.

We’ve seen other homeowner-centric credit cards in the past, but this one is apparently premium for one reason or another.

Like other cards before it, cardmembers can get rewarded when they use the card to make monthly mortgage payments.

But it goes a step further by offering bonus points on things like HOA fees, utilities, home repairs, and other home-related services like insurance.

Per TechCrunch, you’ll earn 1X when using the card to make mortgage payments, 2X on gas and groceries, and 3X in the home services category.

These points will be eligible for gift card redemptions, mortgage payment redemptions, or transfers to airline & hotel partners.

My understanding is you’ll be able to use the Mesa Homeowners Card to make your mortgage payments, despite credit card issuers commonly not allowing this.

Mesa has partnered with Visa on the deal and has a team that formerly worked at companies like American Express, Capital One, and Bilt, the latter of which wanted to reward customers for paying the mortgage with a credit card.

Bilt currently lets cardholders pay their rent and earn cash back without being subject to a transaction fee.

They had planned to do the same for mortgage payments, but it never came to fruition. Will Mesa succeed where others failed? It remains to be seen, but it has always been a challenge.

Ultimately, mortgage lenders don’t love the idea of homeowners paying the mortgage with a credit card, and for good reason.

So it’s possible Mesa will cut a check or send an ACH if you use their credit card to pay your loan servicer, to ensure payment is accepted.

The Mesa Homeowners Network

Lastly, Mesa has partnered with “brands you love” to provide exclusive discounts and offers.

This might include discounts for memberships at Costco and at other businesses that offer homeowner-centric services.

In addition, the company plans to expand their membership rewards to HELOC originations, home warranty plans, insurance, and other financial products for homeowners. And an app is coming soon as well.

The goal is to make homeownership both more affordable and rewarding by offering discounts and cash back on all related expenses.

Knowing today’s cost pressures go beyond the principal and interest on the mortgage, this could provide some relief to households who are stretched.

For me, the question mark remains whether they’ll be able to let users pay the mortgage with the credit card.

If they’re able to pull that off, it might be worthwhile. If not, you could argue that credit card points earned with other issuers could hypothetically be cashed out and applied toward the mortgage the same way.

For example, I can currently cash out by Chase Ultimate Rewards at a penny apiece and apply extra payments toward my mortgage. But I can’t use my Chase card to pay the mortgage.

So they’ll need something to truly differentiate and add value versus existing options. I’d probably consider it if they let me pay the mortgage each month.

Aside from earning 1% back each month, I’d get a grace period to float the mortgage payment before the payment was due.

The product is currently waitlisted and you can sign up via their website if interested.

Before creating this site, I worked as an account executive for a wholesale mortgage lender in Los Angeles. My hands-on experience in the early 2000s inspired me to begin writing about mortgages 18 years ago to help prospective (and existing) home buyers better navigate the home loan process. Follow me on Twitter for hot takes.
Latest posts by Colin Robertson (see all)

Source: thetruthaboutmortgage.com

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Undergraduate students who have financial need can apply for the federal Pell Grant each year to receive aid for their education. If you meet the Department of Education’s requirement for the grant program, be aware that there is a Pell Grant lifetime limit. Eligible students can receive a Pell Grant for about six years, or 12 terms of school.

Once you’ve reached the maximum number of times you can get a Pell Grant, you’ll be ineligible for future awards.

What Is a Pell Grant?

A Pell Grant is a government-sponsored program that offers aid to undergraduate students who demonstrate exceptional financial need. The grant is not available to graduate and professional students. In general, students who have previously earned a bachelor’s degree or higher are not eligible for a Pell Grant.

Students applying for Pell Grant funds for the 2022-23 academic school year can receive up to $6,895.

How many Pell Grants you can get depends on factors including your financial need, your school’s confirmed cost of attendance, whether your enrollment status is part-time or full-time, and how long you plan to attend school in each year.

Upon completing your degree program, Pell Grants generally do not need to be repaid.

FAFSA

To learn if you’re eligible for a Pell Grant, you need to complete a Free Application for Federal Student Aid (FAFSA®). The information on this application is used to determine your eligibility for the Pell Grant as well as other federal, state and school-provided financial aid.

You can submit the FAFSA as early as October 1 before the academic year for which you’re applying for aid. The deadline to submit your FAFSA for the 2022-2023 school year is June 30, 2023. Some aid is awarded on a first-come-first-served basis, so it can behoove you to fill out your FAFSA earlier rather than later.

Recommended: Pell Grant vs FAFSA: What Are the Differences?

Eligibility

The government determines whether an undergraduate student meets the financial need requirement for a Pell Grant by evaluating the student’s Expected Family Contribution (EFC). This is an estimation of how much a student and their family can be expected to pay toward college and it is calculated using information provided on the FAFSA.

For the 2022-23 school year, the maximum EFC for Pell Grant eligibility is $6,206. Students who are at or below this threshold might be able to receive Pell Grant aid.

Students who have been incarcerated in a federal or state institution, or have an involuntatry civil commitment for a sexual offense are ineligible for Pell Grant aid.

How Many Pell Grants Can You Get?

You can apply for a Pell Grant for multiple academic years as long as you maintain your eligibility. As previously mentioned, students can receive the Pell Grant for up to 12 semesters or terms, or approximately six years.

How Lifetime Eligibility Works

Each award year is from July 1 of a calendar year to June 30 of the following year. In an award year, you can receive up to 100% of your eligible Pell Grant award; the Pell Grant lifetime limit that you can use is 600%.

In some situations, you might receive up to 150% of your Pell Grant aid (e.g. if you’re enrolled in fall, spring, and summer terms, full-time). Similarly, you might not always use 100% of your Pell Grant for an award year. This might come up if your enrollment dropped from full-time to part-time, for example.

Calculating Your Pell Grant Usage

To determine the Lifetime Eligibility Used (LEU) on your academic aid account, the Department of Education looks at how much Pell Grant funding you’ve received in a given award year compared to your total available award for that year to arrive at a use percentage.

It then adds your used Pell Grants for each award year to determine whether you’ve reached the lifetime limit for the grant program. If you’d like to track your own LEU percentage, log into your StudentAid.gov account and view the “My Aid” overview.

Alternatives to the Pell Grant

If you’ve reached your Pell Grant lifetime limit, or don’t qualify for the Pell Grant, but still need financial assistance for school, there are other options to consider.

Other Grants

Pell Grants are just one of a handful of grant programs offered by the federal government. The Department of Education also provides:

•   Federal Supplemental Educational Opportunity Grants

•   Iraq and Afghanistan Service Grants

•   Teacher Education Assistance for College and Higher Education (TEACH) Grants

For the most part, grants don’t need to be repaid, except in certain circumstances. Additionally, non-federal grants are provided to students, based on need or merit. These grants are provided by some states and schools, as well as private organizations like nonprofits, businesses, community groups and professional associations.

Recommended: FAFSA Grants & Other Types of Financial Aid

Scholarships

Another financial aid option that you won’t have to repay after graduating are scholarships. Scholarships are earned on merit or are provided to students who are in financial need. They are often one-time awards that are given by similar entities as grants.

In some cases, there may even be unclaimed scholarships that students may be able to apply for in order to bolster the money they have to pay for college.

Recommended: The Differences Between Grants, Scholarships, and Loans

Work-Study

Participating in a federal Work-Study program allows students to earn income that can go toward college costs. Employers that participate in the program might be on campus or off campus, and jobs offer part-time hours.

Your school provides your payment, directly, unless you request otherwise. How much you can earn through the program depends on your financial need, your school’s available funding, and when you apply.

Eligibility for the program is determined by information provided on the student’s FAFSA.

Federal Student Loans

The FAFSA is also used to determine borrower eligibility for Federal Direct Loans. The Department of Education offers undergraduate students loans that are Direct Subsidized or Unsubsidized Loans. The government covers interest on subsidized loans while the borrower is enrolled in school and during qualifying periods of deferment. With an unsubsidized loan, borrowers are responsible for paying accrued interest.

Graduate students are able to borrow Direct Unsubsidized Loans and PLUS loans. PLUS Loans are also available to parents of dependent students.

Federal loans must be paid back with interest, but they offer low fixed interest rates. They also offer student borrowers invaluable benefits, like income-driven repayment plans and generous deferment and forbearance options.

Private Student Loans

Some students find that they still need additional funds for school, despite receiving federal financial aid. If you’ve exhausted your federal aid options and already applied to private scholarships and grants, this private student loan guide could help find options to get you the money you need.

A private student loan must be repaid, plus interest charges, and is provided by nonfederal lenders, like banks, online lenders, and other private institutions. Lenders require applicants to undergo a credit check which determines your eligibility, interest rate, and loan terms.

Borrowing requirements and offers often vary between lenders so always shop around to find a competitive rates and terms for undergraduate private student loans.

The Takeaway

Generally, if you maintain Pell Grant eligibility throughout your college career, you can receive a maximum Pell Grant lifetime limit of six years to receive aid. However, you might reach this limit in a shorter or longer time, depending on your level of enrollment each award year.

If you still need to fund the gap between your existing financial aid and your school’s certified cost of attendance, a SoFi private student loan can help. It’s an easy and fast way to finance your education and you can get pre-approved online in three minutes.

Find out what rates you qualify for in just a few minutes.

FAQ

Can you hit your Pell Grant lifetime limit early?

Yes, it’s possible to reach your Pell Grant lifetime limit before the typical six-year timeline if you take on additional academic terms during an award year. For example, if you enrolled in summer courses and received Pell Grant aid for that period.

Is the Pell Grant disbursed every semester or every year?

Your school will typically disburse Pell Grant awards in a minimum of two disbursements at scheduled intervals throughout the award year.

Is there an age limit for filling out FAFSA?

No, there is no age limit to submit a FAFSA. Some financial aid programs, like the Pell Grant, have restrictions on the academic status of aid recipients, such as whether they’re enrolled as an undergraduate or post baccalaureate student.

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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.

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

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.

Photo credit: iStock/PeopleImages
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Source: sofi.com

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Considering a move to Richmond? The city has a unique charm that draws people from all over, offering its own set of pros and cons. In this article, we’ll explore the good and the bad of life in Richmond to help you decide if living in Richmond is right you.

Richmond at a glance

Walk Score: 51 | Bike Score: 51
Median Sale Price: $375,000 | Average Rent for 1-Bedroom Apartment: $1,384
Richmond neighborhoods | Houses for rent in Richmond | Apartments for rent in Richmond | Homes for sale in Richmond

1. Pro: Affordable living 

Richmond boasts a relatively affordable cost of living compared to many other East Coast cities. The typical home price is below the national median of $433,229. Apartments in Richmond are reasonable ranging from $$1,300 to $1705 on average. Housing options, from modern homes to historic brick apartments, can be found at reasonable prices. 

2. Con: Traffic and infrastructure 

Traffic in Richmond can be a hassle, especially during rush hour. The city’s older infrastructure struggles to accommodate the volume of vehicles, leading to frequent delays. Public transportation options are limited, leaving many residents reliant on cars.

3. Pro: History and nature

Richmond is full of history and home to numerous museums, historic landmarks, and parks. The James River is a prime spot for outdoor enthusiasts, with kayaking, hiking, and scenic views all within city limits. The city’s proximity to natural attractions offers a perfect escape for weekend adventures.

4. Con: Extreme seasonal weather 

Summers in Richmond are hot and humid while winters are cold and damp. Summer temperatures can feel oppressive, especially for those not used to Southern heat. Winters bring occasional ice storms, which can make driving hazardous.

5. Pro: Stellar food and drinks 

If you’re a foodie, you’ll love Richmond. Local restaurants offer everything from Southern comfort food to international cuisine. The craft beer scene is also thriving, with plenty of breweries peppered throughout the city. Whether you’re chowing down on a Cobra Burger or grabbing a beer at Strangeways, you’ll feel right at home in Richmond.

6. Con: Limited public transportation 

Richmond’s public transit options are minimal, which can be frustrating for those used to more robust city systems. While there is a bus network, it doesn’t cover all areas extensively. Many residents end up relying on personal vehicles, which adds to traffic congestion.

7. Pro: Central location within the state 

Richmond’s location is ideal for travel. It’s only a few hours from friends living in Washington, D.C., the Blue Ridge Mountains, and Virginia Beach. This central spot allows you to explore urban and rural attractions at the drop of a hat.

8. Con: Limited nightlife for young folks

While Richmond does have some nightlife, it may feel lacking for younger people seeking a lively scene. Bars and clubs close earlier than in larger cities, and the entertainment options may feel limited compared to larger Virginia cities.

9. Pro: Tight-knit communities 

Richmond’s neighborhoods often have a small-town feel, with friendly neighbors and active local communities. Many residents take pride in their neighborhoods, hosting regular events and community activities. This sense of immediate belonging can make moving to Richmond feel more welcoming.

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

Source: rent.com

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The New York Yankees credit card could be a home run for die-hard fans of the Major League Baseball team.

Image courtesy of Bread Financial.

Issued by Comenity Bank, a subsidiary of Bread Financial, the $0-annual-fee card offers promotions and benefits that could be useful for frequent Yankees-game attendees. Plus, it rewards everyday spending as well.

Still, MLB fans looking for more flexible rewards and redemption options — not to mention more baseball-related perks — might be better off with a card issued by Capital One, the official bank and credit card partner of Major League Baseball.

Here are five things to know about the New York Yankees Mastercard.

1. Yankees fans can score solid rewards

When you use the New York Yankees Mastercard, you’ll earn the following (not as cash back, but as points in the Pinstripe Rewards program):

  • 5x points at Yankee Stadium concession stands. 

  • 3x points at restaurants, bars and gas stations, and on rideshare and mass transit. 

  • 1x back on all other purchases. 

Given concession prices, frequent Yankee Stadium visitors might welcome that 5x reward rate. On top of that, the card’s 3x categories will help holders rack up points for some everyday spending. Those categories — bars, gas, rideshares and mass transit — are also particularly useful for pre- and postgame transportation and activities.

The caveat here, however, is that rewards are earned as Pinstripe points, rather than cash back. Every 100 points you earn will get you $1, meaning points are worth a penny each. That’s good value, but even season ticketholders might need a long while to rack up a meaningful amount of rewards.

🤓Nerdy Tip

You’ll become a member of the Pinstripe Rewards program when you get the New York Yankees credit card. The rewards program is only for Yankees credit card members.

2. Cash-back redemption is flexible …

Pinstripe points can be redeemed for more than just Yankees-related options. You can redeem them for cash back in the form of a direct deposit or statement credit to your account, starting at $1 or 100 points. This is a significantly lower redemption minimum than what some other cards require.

Note that statement credit may take up to six business days to post to your account and that points expire after five years.

3. … But other redemption options feature tough catches

Cardholders also have the option to redeem points for Yankees game tickets, memorabilia and experiences. But there are some hoops to jump through.

  • Game tickets. There’s no minimum points requirement for redeeming this way, but there are some stipulations that come with game tickets redemptions. You can only redeem points for two game tickets at a time, and those tickets must be for seats in designated areas at select home games played at Yankee Stadium during the regular season. Designated seating areas vary by game but cardholders usually have the choice between main and field level seating locations, according to a representative from Bread Financial. Note that you must redeem tickets through the Yankees account center. You’ll receive tickets within 48 hours before your game starts through the MLB Ballpark App or through a Yankees Ticketmaster account — both of which are free to join.

  • Yankees memorabilia and experiences. Memorabilia includes items like collectible Yankees baseballs, mini bats and helmets, merchandise and limited-edition items. Experiences include participating in the ceremonial first pitch, on-field batting practice viewing, and game-day stadium tours. Like game ticket redemptions, you don’t need a certain amount of points to redeem for either of these options, but costs will vary depending on the item or experience. As of this writing, participating in a ceremonial first pitch will cost you around 120,000 points, while batting practice viewing and stadium tours plus a pair of tickets will cost around 18,000 each, for example.

4. It offers special promotions for new applicants

New cardholders can earn:

  • Two free tickets when you spend $100 on the card within 30 days of account opening. 

  • A $50 statement credit when you spend $1,000 outside of Yankee Stadium. 

Two free game tickets can be an attractive deal for fans. But again, there are some caveats. Complimentary tickets apply only to home games played at Yankee Stadium and cannot be used for opening day games, the traditional old-timers’ day game, or any home games against the Boston Red Sox, Chicago Cubs, Los Angeles Dodgers and New York Mets. Plus, you can only redeem these tickets for seats in designated seating areas — which are typically located between the foul poles in the outfield section. So if you’re hoping to snag seats behind home plate or near the dugout, for instance, you might be better off redeeming points for cash back and buying your tickets outright.

Note that you can only redeem the free tickets online, and you must have a Ticketmaster account to redeem them.

Also, if you plan on opening the card to score free tickets for an upcoming game, keep in mind that the card’s terms say that new cardholders will receive their ticket redemption code within 60 days of account opening and that the code is not valid for previously purchased tickets. (Note: According to a representative from Bread Financial, tickets are typically fulfilled within days of earning the offer.)

5. It doesn’t hold up against simple cash back

Yankees fans can certainly rack up decent rewards with the New York Yankees credit card. But a number of general cash-back card options can offer more flexibility.

Notably, Capital One is MLB’s official bank and credit card partner, which means all eligible Capital One rewards cardholders can redeem their rewards for MLB tickets from all 30 teams, from opening day through the baseball postseason — including tickets to the World Series. These baseball-related redemption options are more varied and less limiting than what the New York Yankees Mastercard offers.

With an eligible Capital One card, you’ll also get discounts on MLB TV, items purchased though the MLB shop and on visits to the Jackie Robinson museum in New York City, as well as access to VIP experiences like private on-field sessions and batting practice.

More specifically, the $0-annual fee Capital One SavorOne Cash Rewards Credit Card could be a lucrative option for MLB fans. It earns 3% cash back on dining, eligible streaming services, grocery stores and entertainment — and tickets to sporting events qualify for that “entertainment” category.

In some cases, in fact, you might be able to do even better than that. That’s because the card also earns 8% back on purchases through Capital One Entertainment, a portal that includes tickets to sporting events. Rewards earned with this card can also be redeemed as cash back in any amount, and again, this is in addition to the aforementioned MLB-related benefits that Capital One offers cardholders.

Source: nerdwallet.com

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When people think of Pittsburgh, they often picture its iconic skyline, bridges, and sports teams, but the true essence of living in Pittsburgh extends beyond the city center. The suburbs of Pittsburgh offer diverse residential areas that provide a quieter, more relaxed lifestyle while still allowing easy access to the city’s thriving cultural scene, job market, and outdoor recreation. These Pittsburgh suburbs are spread across various parts of the metropolitan area, each with its own distinct character and appeal.

In this ApartmentGuide article, we’ll explore some of the most notable Pittsburgh suburbs—from the charming historic towns to the rapidly growing residential hubs—highlighting key aspects such as population, average rent, and what makes each area stand out. Whether you’re searching for the perfect apartment in Pittsburgh or curious about the different Pittsburgh neighborhoods, let’s discover the best places in the Pittsburgh metro area to call home.

Cost of living in Pittsburgh

Before diving into Pittsburgh’s top suburbs, it’s important to look at the city’s cost of living. Pittsburgh is known for being relatively affordable compared to other major cities in the U.S. The overall cost of living in Pittsburgh is about 2% lower than the national average, with housing playing a key role. The median sale price for a home in Pittsburgh is around $273,500, significantly below the national median of $432,657. Rent for a one-bedroom apartment in Pittsburgh averages about $1,607 per month.

While Pittsburgh offers affordable housing, many of its surrounding suburbs provide additional value with larger homes, quieter neighborhoods, and a more peaceful environment. Now, let’s explore the most popular suburbs in Pittsburgh.

If you’re looking for more specific rental insights, check out our guide on the 13 Most Expensive Neighborhoods in Pittsburgh to Rent in 2024.

1. Mount Lebanon

Known for: Historic charm, walkable neighborhoods, and cultural amenities

Mount Lebanon is one of Pittsburgh’s most popular and established suburbs, located just six miles south of downtown. Known for its historic charm and walkable streets, Mount Lebanon is ideal for those who enjoy tree-lined neighborhoods with a mix of older homes and newer developments. The suburb boasts a vibrant business district, filled with local shops, cafes, and restaurants, making it easy for residents to find entertainment and necessities without leaving the neighborhood.

Mount Lebanon’s proximity to downtown Pittsburgh is also a major draw, especially for those who commute. Public transportation options, including the Pittsburgh Light Rail (commonly known as “The T”), make getting into the city convenient. Additionally, the suburb is home to various parks and recreational facilities, including tennis courts and a public golf course.

Population: 33,000
Median home sale price: $405,000
Mount Lebanon transportation scores: Walk Score 74, Bike Score 24

Apartments for rent in Mount Lebanon, PA | Houses for rent in Mount Lebanon, PA | Homes for sale in Mount Lebanon, PA

2. Cranberry Township

Known for: Rapid growth, diverse living options, and recreational amenities

Located about 20 miles north of Pittsburgh, Cranberry Township is one of the fastest-growing suburbs in the area. Known for its expansive residential developments, Cranberry Township offers a wide range of housing options, from apartments to spacious single-family homes. The suburb’s growing commercial and retail sectors provide residents with plenty of shopping and dining options, including the bustling Cranberry Mall.

Cranberry Township is also a hub for outdoor recreation, with numerous parks, walking trails, and sports facilities available to residents. The area’s emphasis on community living is evident through its well-maintained public spaces and frequent community events. Commuters will appreciate easy access to major highways like I-79, which connects Cranberry to downtown Pittsburgh in under 30 minutes.

Population: 33,000
Median home sale price: $450,500
Cranberry Township transportation scores: Walk Score 57, Bike Score 43

Apartments for rent in Cranberry Township, PA | Houses for rent in Cranberry Township, PA | Homes for sale in Cranberry Township, PA

3. Bethel Park

Known for: Strong community atmosphere, affordable housing, and outdoor activities

Bethel Park, located about 10 miles south of Pittsburgh, is a suburban favorite for those looking for affordable living with easy access to the city. Known for its community spirit and excellent public services, Bethel Park offers a mix of older homes and new developments, making it attractive to a variety of residents. The suburb is also home to South Hills Village, a popular shopping center with a wide range of retail stores and dining options.

One of the key draws of Bethel Park is its abundance of parks and outdoor spaces. Residents enjoy access to the Montour Trail, a scenic biking and hiking trail that runs through the area, as well as numerous parks and recreational centers. Bethel Park’s location on the Light Rail system also makes commuting into Pittsburgh a breeze for those working in the city.

Population: 33,000
Median home sale price: $290,000
Bethel Park transportation scores: Walk Score 31, Bike Score 16, Transit Score 30

Apartments for rent in Bethel Park, PA | Houses for rent in Bethel Park, PA | Homes for sale in Bethel Park, PA

4. Sewickley

Known for: Upscale living, historic architecture, and a charming downtown

Sewickley, located about 12 miles northwest of Pittsburgh, is one of the area’s most prestigious suburbs. Known for its upscale homes, historic architecture, and charming downtown district, Sewickley offers a picturesque suburban experience. The village-like atmosphere of downtown Sewickley features boutique shops, high-end restaurants, and art galleries, creating a vibrant cultural scene.

Residents of Sewickley enjoy scenic views of the Ohio River, along with access to numerous parks and outdoor spaces. The suburb is also home to some of the best private and public schools in the region, adding to its appeal for professionals. With its close proximity to Pittsburgh’s major job centers and its tranquil, high-end atmosphere, Sewickley is a top choice for those seeking a blend of suburban elegance and urban convenience.

Population: 3,900
Average rent for a one-bedroom apartment: $1,400
Median home sale price: $532,500
Sewickley transportation scores: Walk Score 88, Bike Score 48

Apartments for rent in Sewickley, PA | Houses for rent in Sewickley, PA | Homes for sale in Sewickley, PA

5. Wexford

Known for: Peaceful living, new developments, and excellent parks

Wexford, located about 15 miles north of Pittsburgh, is another highly sought-after suburb known for its peaceful residential atmosphere and new housing developments. The area has seen significant growth in recent years, with new neighborhoods, commercial centers, and recreational facilities popping up to accommodate its growing population. Wexford offers a variety of housing options, from affordable townhomes to sprawling estates, making it a great place for those looking for diverse real estate choices.

Outdoor enthusiasts will appreciate Wexford’s parks, hiking trails, and proximity to North Park, one of the region’s largest and most popular parks. Wexford’s strategic location along major highways makes it an ideal suburb for commuters working in Pittsburgh’s northern job centers.

Population: 21,000
Average rent for a one-bedroom apartment: $2,338
Median home sale price: $535,000
Wexford transportation scores: Walk Score 54, Bike Score 22

Apartments for rent in Wexford, PA | Houses for rent in Wexford, PA | Homes for sale in Wexford, PA

6. Fox Chapel

Known for: Scenic beauty, upscale homes, and proximity to outdoor recreation

Fox Chapel is one of the most exclusive suburbs in the Pittsburgh area, located about 10 miles northeast of downtown. Known for its expansive estates, large lots, and wooded surroundings, Fox Chapel offers a private, luxurious lifestyle. The suburb is adjacent to the Allegheny River and is home to several parks and outdoor spaces, including the Fox Chapel Golf Club and Hartwood Acres, a large estate park offering trails, gardens, and outdoor concerts.

Population: 5,400
Median home sale price: $1,462,500
Fox Chapel transportation scores: Walk Score 9, Bike Score 38

Apartments for rent in Fox Chapel, PA | Houses for rent in Fox Chapel, PA | Homes for sale in Fox Chapel, PA

7. Upper St. Clair

Known for: Top-rated schools, suburban living, and community-focused amenities

Upper St. Clair is located about 12 miles south of Pittsburgh and is known for its excellent public schools and community-oriented atmosphere. The suburb features a variety of housing options, from single-family homes to more upscale developments, making it a popular choice for those seeking a peaceful, suburban lifestyle. Upper St. Clair is home to several parks and recreational facilities, including a community recreation center and outdoor pools, offering plenty of activities for residents.

Population: 20,000
Average rent for a one-bedroom apartment: $1,976
Median home sale price: $469,000
Upper St. Clair transportation scores: Walk Score 14, Bike Score 7

Apartments for rent in Upper St. Clair, PA | Houses for rent in Upper St. Clair, PA | Homes for sale in Upper St. Clair, PA

8. Robinson Township

Known for: Convenient location, shopping, and new developments

Robinson Township, located about 10 miles west of downtown Pittsburgh, is a rapidly growing suburb known for its accessibility and convenient amenities. The suburb is home to The Mall at Robinson and Settlers Ridge, two major shopping centers that offer a range of retail stores, dining options, and entertainment. Robinson Township is also known for its newer housing developments, providing plenty of modern homes and townhouses. With easy access to highways like I-79 and I-376, it’s a great choice for those who want to stay close to Pittsburgh while enjoying suburban living.

Population: 14,000
Median home sale price: $230,000
Robinson Township transportation scores: Walk Score 18, Bike Score 26

Apartments for rent in Robinson Township, PA | Houses for rent in Robinson Township, PA | Homes for sale in Robinson Township, PA

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

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The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.

When dealing with debt collectors, you should verify the debt is yours, know your rights and negotiate with the debt collector.

Being in debt can be stressful, and persistent calls from collection agencies can definitely add to that pressure. If you fail to make payments on your debt over a period of time — often three months or more — your debt will likely go to a collection agency which will contact you for payments. Avoiding a collection agency can negatively impact your credit, but knowing your rights and how to deal with debt collectors can help you control the situation. 

Nonetheless, there are a few simple yet important steps to take whenever you’re contacted by a debt collector. Read on to learn more about the collection process, your rights and effective ways to deal with debt collectors.

Step 1: Know (and enforce) your rights

Debt collection agencies are bound by the Fair Debt Collection Practices Act (FDCPA), which protects consumers from many behaviors that were once common in the debt collection industry. 

For example, the FDCPA prevents debt collectors from harassing or threatening you. It ensures that debt collectors disclose why they are calling you and that they offer validation for the debt when requested. Additionally, this law protects your privacy when collectors call other people about your debt, and gives you the right to request that debt collectors stop contacting you. 

Here are a few other ways that debt collection laws regulate debt collectors: 

Communication restrictions

Legally, debt collectors can only call you between the hours of 8 a.m. and 9 p.m. They also cannot call you at work if you ask them to stop. According to the FDCPA, debt collectors must provide you with a written notice within five days prior to contacting you.

Disclosures

In the written notice, debt collectors must inform you of the original creditor, the exact amount owed and your right to challenge the debt in writing within 30 days. They also are not allowed to disclose information about these debts to your family members or employers.

Behavior

Debt collectors cannot (and should not) use profane language, threaten you, make false claims about the consequences of nonpayment or lie about what you owe. They are not allowed to harass you in any manner.

If a debt collector violates any of these rules — or you believe that the debt is fraudulent — you can file a complaint. The Federal Trade Commission (FTC) accepts reports of fraud, and the Consumer Financial Protection Bureau (CFPB) enables you to submit a complaint about unlawful behavior by collection agencies. In 2019, the CFPB handled 75,200 complaints on debt collection, and 99 percent were handled by the end of the year. 

Once you know your rights as a consumer, you’ll have the communication tools you need to verify the debt. 

Step 2: Verify the debt is yours

When a debt collector contacts you, the first step is to verify that the debt is yours. This process, called debt validation, forces the collection agency to provide documentation that shows the debt belongs to you. In general, a collection agency must send you a validation letter when requested. 

There are a few important reasons why you should always verify the debt:

  • Avoid scams. By verifying that the debt is yours and that the collection agency is authorized to accept payment, you can avoid paying scammers for illegitimate debt.
  • Avoid making an uninformed decision. Instead of responding immediately to the debt collector over the phone, you can look at the validation letter and consider your options with more time. 
  • Avoid paying twice. After receiving a validation letter, you may realize that you have already paid the debt in question. In this case, you can challenge the debt or initiate a credit dispute.

Additionally, it’s important to note that debt is subject to a statute of limitations, which means that debt is only valid for a certain time. The statute of limitations will vary based on the type of debt and the state that you are in, so you may want to consult a credit repair professional to determine if the debt is still valid. 

If the debt is legitimate, you’ll need to make a plan to work with the collection agency to pay the debt off. Before doing so, make sure that you know your rights, which are protected by federal law.

Step 3: Communicate wisely and effectively

While you should always remain professional when speaking with debt collectors, you’ll also want to be strategic in your responses. Here are a few do’s and don’ts to keep in mind:

  • Do: Request communication in writing if you prefer emails and letters over phone calls.
  • Don’t: Admit the debt is yours unless you’re absolutely certain. You can kindly let them
  • Do: Ask them to validate the debt in writing. This gives you a paper trail and allows time to investigate the debt’s legitimacy.
  • Don’t: Yell or be rude. Instead, try your best to remain polite and professional even if the collector displays the opposite behavior.

Simply informing them of your preferred form of communication should suffice. Remember, you can ask debt collectors to stop contacting you at your workplace. Understanding your rights is key to taking control of the situation and avoiding feeling pressured.

Step 4: Negotiate with the debt collector

While it is your responsibility to pay legitimate debts, you’ll want to find a way to work with the debt collector to find an approach that works for your financial situation. Debt can be a burden, but it’s important not to ignore debt collectors, as they may be able to take you to court for failing to pay. 

Here are a few things to keep in mind when negotiating with a debt collector:

  • You may be able to set up a payment plan. In general, debt collectors want to start collecting something from you, so many are open to setting up a payment plan that works with your budget. 
  • You can sometimes settle a debt for less than you owe, but there are drawbacks. You’ll likely need to make a lump-sum payment, and your credit score may drop. Also, know that the amount of debt forgiven may be treated as taxable income. 
  • You should get everything in writing. Oral agreements are generally not enforceable, so make sure to get any agreement for a payment plan or debt settlement in writing before making any payments.

Once you negotiate your debt, you’ll want to begin making payments to get your finances back on track. There are many different strategies for paying off debt, like the snowball method, the avalanche method and the equality method. 

Step 5: Seek help when you need it

Unfortunately, even after paying off your collection account, negative items may remain on your credit report for up to seven years, which can continue to impact your credit score over time. If you’re feeling overwhelmed with debt or contacts from debt collectors, there’s help available. 

Many people who have collections on their credit report can benefit from working with credit repair consultants, who can assist with short- and long-term strategies for rebuilding your score. Credit repair companies specialize in finding and challenging errors on your credit report, helping remove inaccurate information.

Credit repair assistance 

While you’ll likely need to pay back legitimate debt, you should verify the origin and amount before paying a debt collector. Additionally, you can hold debt collectors accountable under federal laws and even negotiate with them. Just be sure to get any agreement in writing.

If you’re concerned about inaccurate or unfairly reported amounts in collections on your credit report, you may need credit repair assistance. With the help of a reputable credit repair company, you’ll have experienced professionals in your corner to challenge inaccuracies and negative marks on your credit report. 

With nearly 20 years of experience in credit repair, Lexington Law Firm has represented over 10.8 million people since 2004. Sign up for a free credit assessment today to see if credit repair is right for you. 

Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.

Source: lexingtonlaw.com

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As the “Grand Canyon State,” Arizona is home to some of the most unique landscapes ranging from red rocks, canyons, and arches, to desert lakes, and rugged mountains. From the majestic Red Rocks of Sedona to the tranquil forests of the Verde Valley, you’ll find plenty of Arizona mountain towns that offer easy access to the state’s stunning nature.

To help you get started, Rent. has collected a list of the best mountain towns in Arizona to call home. Whether you’re drawn to the desert mountains or the tranquility of the Mogollon Rim, there’s an Arizona mountain town for you. Let’s jump in and see what towns made the list.

1. Camp Verde

Mountain Range: Red Rocks of Sedona

Average rent price: $2,487

Population: 11,540

Houses for rent in Camp Verde, AZ

Apartments for rent in Camp Verde, AZ

Homes for sale in Camp Verde, AZ

Located near the breathtaking Red Rocks of Sedona, Camp Verde offers a unique blend of natural beauty and small-town charm. This town, situated in the Verde Valley, is an awesome spot for outdoor enthusiasts with its proximity to hiking trails like Verde Valley Ryal Canyon Trailhead, parks, and the Verde River.

You can enjoy exploring the Montezuma Castle National Monument, the Montezuma Well, and the Fort Verde State Historic Park, which provide a glimpse into the area’s rich history. With a population of just over 11,000, Camp Verde has a tight-knit community atmosphere, with local eateries and shops.

2. Cave Creek

Mountain Range: Desert Mountains

Average rent price: $4,159

Population: 5,540

Houses for rent in Cave Creek, AZ

Apartments for rent in Cave Creek, AZ

Homes for sale in Cave Creek, AZ

Cave Creek, a gem in the Desert Mountains, is known for its rugged beauty and upscale living. Located north of Phoenix, Cave Creek is a great area for those looking to be near a big city and mountains. Shadowed by the iconic Black Mountain, the city offers a plethora of outdoor activities such as hiking at Cave Creek Regional Park and Spur Cross Ranch Conservation, horseback riding, and golfing.

Cave Creek has a rustic charm with its western-themed architecture and vibrant arts scene. The town’s small population allows for a serene lifestyle while still providing access to amenities. Cave Creek’s historical sites, annual events, like the Fiesta Days Rodeo, and tourist attractions like Frontier Town draw visitors from across the state.

3. Chino Valley

Mountain Range: Bradshaw Mountains

Average rent price: $2,031

Population: 11,980

Houses for rent in Chino Valley, AZ

Apartments for rent in Chino Valley, AZ

Homes for sale in Chino Valley, AZ

Chino Valley is set against the backdrop of the Bradshaw Mountains and offers a peaceful rural setting with the convenience of city amenities. Situated between the Prescott National Forest and the Coconino National Forest, this mountain town has endless opportunities for exploring Arizona’s mountains.

The community is known for its agricultural roots, with local farms and vineyards contributing to a growing local food scene. Chino Valley’s location makes it a perfect spot for those who love the outdoors. With Prescott’s historical charm just a short drive away, you’re never far from a new adventure.

4. Flagstaff

Mountain Range: San Francisco Peaks

Average rent price: $2,355

Population: 72,400

Houses for rent in Flagstaff, AZ

Apartments for rent in Flagstaff, AZ

Homes for sale in Flagstaff, AZ

Flagstaff is a gateway to the majestic San Francisco Peaks and is surrounded by the expansive Coconino National Forest. This vibrant Arizona mountain town is rich in culture and outdoor activities, like hiking through the ponderosa pines. For example, you can explore places like the Lowell Observatory, Picture Canyon Natural and Cultural Preserve, and Yucca North. This city is home to Northern Arizona University so there’s always something going on.

Flagstaff’s historic downtown area, with its unique shops and restaurants, offers a cozy atmosphere for both residents and visitors. Flagstaff is also a gateway to the Grand Canyon, making it an ideal location for adventurers and nature lovers. The town’s commitment to preserving its natural and cultural heritage makes it a unique place to live.

5. Payson

Mountain Range: Mazatzal Mountains

Average rent price: $1,753

Population: 14,570

Houses for rent in Payson, AZ

Apartments for rent in Payson, AZ

Homes for sale in Payson, AZ

Payson, called “The Heart of Arizona,” is a picturesque town that serves as a gateway to the outdoor wonders of the Mazatzal Mountains and the Mogollon Rim. This area is a paradise for those who love the outdoors, offering countless trails for hiking, horseback riding, and mountain biking at places like Tonto Natural Bridge State Park, Water Wheel Falls Hiking Trail, and The Boulders Loop.

The town’s proximity to natural lakes like also makes it a popular spot for fishing and boating. Payson hosts the world’s oldest continuous rodeo, the Payson Pro Rodeo, adding to its charm. With a moderate climate year-round, Payson provides a serene lifestyle with the beauty of the Arizona landscape. 

6. Prescott

Mountain Range: Bradshaw Mountains

Average rent price: $2,135

Population: 43,100

Houses for rent in Prescott, AZ

Apartments for rent in Prescott, AZ

Homes for sale in Prescott, AZ

Prescott is a historic town with old-world charm and modern-day vibes. Surrounded by the Bradshaw Mountains, Prescott is known for its beautiful Victorian homes, tree-lined streets, and the famous Whiskey Row. The town square hosts numerous cultural events, art galleries, and museums, reflecting the rich history of the area.

There are plenty of outdoor activities to take part in in the surrounding landscape, with trails for hiking and biking like Thumb Butte, Easter Island Trail, and Sunset Lookout. Prescott’s community spirit, charming museums like the Phippen Museum and Sharlot Hall Museum, lakes like Watson Lake, and local restaurants, make it an awesome town to live in.

7. Sedona

Mountain Range: Schnebly Hill and Mogollon Rim

Average rent price: $2,833

Population: 10,150

Houses for rent in Sedona, AZ

Apartments for rent in Sedona, AZ

Homes for sale in Sedona, AZ

Sedona, with its stunning red rock formations and vibrant arts community, is a place of natural beauty and creative inspiration. The town is surrounded by the Schnebly Hill and Mogollon Rim, offering breathtaking views and a plethora of outdoor activities such as hiking, mountain biking, and jeep tours. For example, you can explore places like Munds Wagon Trail, Snoopy Rock, Midgley Bridge Picnic Area, and Soldier Pass Trailhead, among countless others.

Sedona’s spiritual and wellness community attracts visitors from all over the world, seeking rejuvenation and adventure. The town’s unique architecture, outdoor markets like Tlaquepaque Arts & Shopping Village, and local galleries reflect its artistic spirit. Sedona’s blend of natural wonders and cultural richness makes it a unique place to call home.

8. Show Low

Mountain Range: White Mountains

Average rent price: $2,516

Population: 11,000

Houses for rent in Show Low, AZ

Apartments for rent in Show Low, AZ

Homes for sale in Show Low, AZ

Show Low is situated in the White Mountains and offers a cool retreat from the desert heat. This town is popular for outdoor enthusiasts, with its close proximity to skiing, fishing, and hiking opportunities, like Woodland Lake Park, Porter Mountain Outlook, and Fool Hollow Lake. The local community is vibrant, hosting events and festivals that bring residents together.

Show Low’s small-town feel, combined with the beauty of the surrounding forests, makes it an appealing place for those seeking a peaceful lifestyle amidst nature. The town’s name, stemming from a legendary poker game, adds to its unique character and history. Whether you check out one of the local restaurants or hike one of the town’s trails, you’re sure to find something interesting in this mountain town.

9. Snowflake

Mountain Range: White Mountains

Average rent price: $1,937

Population: 5,680

Houses for rent in Snowflake, AZ

Apartments for rent in Snowflake, AZ

Homes for sale in Snowflake, AZ

Snowflake is a quaint town just north of Sitgreaves National Forest that offers a serene lifestyle. The town’s unique name and heritage are celebrated through local events and traditions that reflect its pioneer spirit. Snowflake’s residents enjoy the outdoors, with easy access to trails, like Four Mile Knoll, and natural beauty.

The town’s commitment to preserving its history is evident in the well-maintained Victorian homes and historic sites. Snowflake’s scenic surroundings make it a great option for those looking to escape city life.

10. Williams

Mountain Range: San Francisco Peaks

Average rent price: $2,100

Population: 3,290

Houses for rent in Williams, AZ

Apartments for rent in Williams, AZ

Homes for sale in Williams, AZ

Williams, known as the “Gateway to the Grand Canyon,” is a historic town that offers a mix of adventure and heritage. The San Francisco Peaks, like Bill Williams Mountain, provide a stunning backdrop for this community. Williams is famous for the Grand Canyon Railway, which takes visitors on a scenic journey to the canyon’s south rim.

The town’s main street is lined with shops and eateries that evoke the charm of the Old West and its Route 66 heritage. For example, you can explore places like Pete’s Route 66 Gas Station Museum, the Route 66 Zipline, and the Route 66 Museum And Gift Shop. With its close-knit community and array of outdoor activities, Williams is a delightful place to live, offering a taste of Arizona’s natural beauty and history.

11. Heber

Mountain Range: White Mountains

Average rent price: $1,450

Population: 2,400

Houses for rent in Heber, AZ

Apartments for rent in Heber, AZ

Homes for sale in Heber, AZ

Heber, also known as Heber-Overgaard, is located in the White Mountains. It offers a tranquil setting that’s perfect for those seeking a quiet life close to nature. The town’s proximity to the Mogollon Rim provides residents with stunning views and endless outdoor activities, including hiking, fishing, and camping.

Heber’s small population gives the area a close-knit community feeling. The town’s scenic beauty makes it an ideal spot for those looking to enjoy Arizona’s natural landscapes without the crowds. Whether you explore the Pictograph Interpretive Site or the Sitgreaves National Forest, there’s always something to do.

Note, this list is not comprehensive of all the mountain towns in Arizona. Towns must have average rental data to be included on the list. Average rental data from Rent.com during September 2024. Population data is sourced from the United States Census Bureau.

Source: rent.com

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Professional monitoring for home security systems can have a hefty monthly cost but can be worth it if you have valuable assets, live in a high-risk area, travel or just want a hands-off experience. Professional monitoring often has added features such as medical alerts, home automation or insurance discounts.

How you monitor your home security system can also make a significant difference in its effectiveness. Self-monitoring and professional monitoring both have benefits and drawbacks, and the right choice depends on your home and safety needs.

Some home security systems, such as Blink and Nest, don’t offer professional monitoring, so they may not be options for those looking for hands-off protection.

Pros and cons of professional monitoring

24/7 emergency response.

Monthly fee.

Hands-off system management.

Potential long-term contract required.

Potential homeowners insurance discounts.

Giving a monitoring center access to your cameras may feel less private.

What does professional monitoring do?

Professional monitoring for a home security system provides 24/7 oversight for your home. When an alarm is triggered, it alerts the monitoring center immediately, which may call you to verify the alarm and see if you’re OK by asking you to provide a safeword.

If you don’t or can’t respond, the monitoring center can contact emergency services for you. Depending on the type of emergency, the monitoring company can send fire, police or medical responders to your home to handle the crisis.

Some professional monitoring services give the monitoring center live access to your cameras and even allow the staff to speak and listen through your devices. This can help them see if there’s actually a fire, for example, or tell an intruder directly that police are on the way. It can also reduce the risk of false alarms.

Professional monitoring vs. self-monitoring

The main differences between self-monitoring and professional monitoring are cost and who deals with things when the alarm goes off. Self-monitoring is usually free, but you are responsible for noticing that your alarm has gone off, and you have to alert the authorities yourself if you need help. Professional monitoring, on the other hand, usually costs money, but the monitoring company’s job is to notice when your alarm is going off and to get help in case you can’t do it yourself.

How much does professional monitoring cost?

Monthly professional monitoring fees start at around $20 and can cost as much as around $80. Some home security providers offer several professional monitoring plans with different features, such as video and life- safety monitoring.

Some providers offer professional monitoring month-to-month, and you can cancel, upgrade or downgrade your plan at any time. Others, like ADT, require customers to enter into a multiyear contract to access professional monitoring if their system is professionally installed. Vivint allows month-to-month payment unless you’re financing equipment.

Is professional monitoring worth it?

Here are three factors to consider.

1. Lifestyle and absence

If you’re usually home to respond to alerts, professional monitoring may not be worth the cost. However, if you travel frequently or are often away from home for work, professional monitoring ensures that someone will notice an emergency situation in your home, even if you’re not nearby or able to see alerts on your phone.

2. Insurance discounts

Many homeowners’ insurance companies offer discounts if you have a professionally monitored home security system because the added level of protection makes your home a lower risk for claims.

Typically, discounts can range from 5% to 20% off your annual premium, depending on your insurer and the specific features of your security system. To qualify for discounts, your system typically needs to include burglary, fire and carbon monoxide alarms, but specific requirements can vary based on your location and the insurance company’s policies.

3. Budget and contract

Professional monitoring may not be a fit for everyone’s budget. Consider the cost of a potential break-in against the cost of monthly fees. As an alternative, some providers offer paid self-monitoring plans that offer added features such as familiar-face detection and intelligent alerts at a lower cost, typically around $3 to $13 per month.

If you do choose professional monitoring, make sure to review the terms of the contract, including additional fees and the cancellation policy if there is one.

Best home security systems with professional monitoring

1. SimpliSafe

SimpliSafe Security System

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Professional monitoring monthly cost

$21.99

Self monitoring available for $9.99 per month. You can also access basic features with no plan.

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2. Abode

Abode Security System

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Professional monitoring monthly cost

$24.99

Self monitoring with extra features is $7.99 per month, but you can also use basic features for free.

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3. Ring

Ring Security System

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Professional monitoring monthly cost

$20

Other features/self monitoring available with plans starting at $4.99 per month. You’ll need at least the basic plan to arm and disarm your system remotely.

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4. Arlo

Arlo Security System

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Professional monitoring monthly cost

$24.99

Some sensor features not available without subscription. Self monitoring for cameras starts at $7.99 per month.

View details

5. Vivint

Vivint Security System

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Professional monitoring monthly cost

$41

Professional monitoring plan is required with equipment purchase; $46 per month if you have cameras.

View details

6. ADT

ADT Security System

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Professional monitoring monthly cost

$29.99 and up

Monthly monitoring rises to $44.99 with cameras and $34.99 with other smart home devices. A one-month minimum monitoring plan is required with self-install equipment purchase; a several-year contract is required with a professionally installed system. ADT also works with third-party dealers whose monitoring and installation fees may differ.

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Source: nerdwallet.com