The U.S. Department of Housing and Urban Development (HUD) announced this week that it is extending a 90-day foreclosure moratorium for all Federal Housing Administration (FHA)-insured mortgages to the federal disaster area in Texas stemming from severe weather, tornadoes and flooding that hit several counties beginning on April 26.
The initially-declared federal disaster zone included the counties of Harris, Liberty, Montgomery, Polk, San Jacinto, Trinity and Walker. On Wednesday, Gov. Greg Abbott (R) added Calhoun, Delta, Jones and Lamar counties to the state-designated disaster area, but these areas have yet to be added to the federally declared area.
The HUD relief includes a 90-day moratorium on foreclosures for FHA-insured loans, in addition to those under the Section 184 Indian Home Loan Guarantee program for Native American borrowers. Additionally, Texas residents with Home Equity Conversion Mortgages (HECMs) in these counties will be granted a 90-day extension in a foreclosure evaluation.
“Homeowners affected by the disaster should contact their mortgage or loan servicer immediately for assistance,” HUD said in its announcement. “Conventional mortgage holders may also be eligible for additional relief through their mortgage holder.”
The areas suffered severe damage after a total of 14 tornadoes struck the region beginning April 26, according to the National Weather Service and reporting from a local NBC News affiliate. One tornado had wind speeds of 110 mph while others severely damaged homes, trees and vehicles.
Subsequent reporting by The Texas Tribune said that at least three people were killed by the storms as the state and federal governments began tallying the damage.
A separate system of severe weather struck the city of Houston last week, which could leave parts of the city without power for weeks. At least four fatalities have been confirmed.
Mortgage rates dipped to a 7.02% average this week, the second consecutive week for declines, Freddie Mac reports.
“The decrease in rates, albeit small, may provide a bit more wiggle room in the budgets of prospective home buyers,” says Sam Khater, Freddie Mac’s chief economist.
Rates above 7% have been blamed for slowing down the spring homebuying season. Homebuilders said this week that higher rates, which are pressing on home buyers’ budgets, are prompting them to build fewer homes.
“While the start of the year has seen an expansion for single-family home building because of a lack of existing inventory, homebuilding activity leveled off in April as higher interest rates, tighter lending conditions and lower sentiment acted as headwinds on new-home construction,” says Carl Harris, chairman of the National Association of Home Builders. “Lower interest rates, particularly for builder and developer loans, will help builders to increase the pace of home construction in the months ahead.”
Despite the latest ease in mortgage rates, home buyers haven’t been flooding back to the market. Mortgage applications for home purchases—viewed as a gauge of future homebuying activity—fell 2% in the latest week and are down 14% from a year ago, the Mortgage Bankers Association reports. The biggest pullback has been seen in Federal Housing Administration loan applications, which tend to be favored by first-time or low-income buyers.
“While the downward move in rates benefits prospective home buyers, mortgage rates are still much higher than they were a year ago while For Sale inventory remains tight,” says Joel Kan, deputy chief economist at the Mortgage Bankers Association.
At this week’s 7.02% average for the 30-year fixed-rate mortgage, the typical monthly mortgage payment on a $400,000 home, assuming a 10% down payment, would be about $2,400, says Jessica Lautz, deputy chief economist at the National Association of REALTORS®.
Mortgage rates have remained above 7% for five consecutive weeks. “Higher rates are hurting first-time homeowners and eroding affordability,” Lautz says. However, this week’s inflation data showed a slight decline, which could help lower mortgage rates for spring home buyers, Lautz adds.
Freddie Mac reports the following national averages with rates for the week ending May 16:
30-year fixed-rate mortgages: averaged 7.02%, dropping from last week’s 7.09% average. A year ago, 30-year rates averaged 6.39%.
15-year fixed-rate mortgages: averaged 6.28%, also falling from last week’s 6.38% average. A year ago, 15-year rates averaged 5.75%.
Following his recent retirement from the winemaking business, former NFL star and College Football Hall of Famer, Terry Hoage has put his renowned Paso Robles winery on the market.
The 26-acre estate, located in the prestigious Willow Creek District, is listed at $7 million. It includes a luxury main residence, a guest house, and a fully operational winery, all of them surrounded by 17.5 acres of mature vineyards known for producing award-winning Rhône varietals.
Together with his wife Jennifer, an accomplished interior designer, Terry Hoage has cultivated this vineyard into a celebrated part of the local wine community over the last 20 years. The property features a 3,000-square-foot winery fully equipped to produce up to 3,000 cases annually — and even includes a tasting room.
Now, one year after the couple announced they’re retiring from winemaking, Jennifer and Terry Hoage have listed their 26-acre estate for sale. Jenny Heinzen with Vineyard Professional Real Estate holds the listing.
About the owners
Terry Hoage enjoyed a successful 13-year career in the NFL as a safety, playing for teams like the New Orleans Saints and Washington Redskins. He was recognized as an All-American during his college football days with the University of Georgia Bulldogs.
After retiring from professional football in the late 1990s, Hoage and his wife Jennifer moved to California’s Central Coast and discovered a passion for winemaking. In 2002, they purchased a 26-acre vineyard in Paso Robles and launched TH Estates Wines, specializing in Rhone varietals like Syrah and Grenache.
TH Estates Winery owners Jennifer and Terry Hoage giving a tour of their winery in 2010. Photo credit: Youtube
Over the next 20 years, the Hoages built TH Estates into an acclaimed producer of small-batch wines, earning praise from publications like Wine Spectator. They grew the majority of their grapes onsite at their Willow Creek vineyard.
The couple recently announced their retirement from winemaking after two decades in the Paso Robles wine community. Though bittersweet, they felt it was time to embark on their next chapter and announced the closure of TH Estates Winery in 2023.
The vineyard
Photo credit: Triston Ioppini / Trimotion Media
The heart of this property is the 17.5-acre vineyard planted with Rhône varietals including Syrah, Grenache, and Mourvèdre. These grapes thrive in the Willow Creek terroir and are highly sought-after by renowned Paso Robles winemakers.
The vineyard’s prized fruit contributes to many critically acclaimed wines that sold out year after year. With an approved winery permit to produce up to 3,000 cases annually, this vineyard offers endless possibilities for future owners as passionate about wine as the Hoages.
The winery
Photo credit: Triston Ioppini / Trimotion Media
The property features a full-scale winery and tasting room situated among the rolling vineyards.
At 3,000 square feet, the custom winery provides ample space for wine production and storage. It operates under a use permit allowing for up to 3,000 cases of wine to be produced annually on-site. The permit also enables the winery to conduct public tastings in the dedicated tasting room.
With climate-controlled barrel storage and professional equipment already in place, the winery provides a turnkey operation.
Award-winning wines
The Hoages found success right out of the gate with TH Estates Wines. Their first vintage in 2004 of The Hedge Syrah earned acclaim, dedicated to Terry’s former University of Georgia coach Vince Dooley. This demonstrated the vineyard’s potential for premium Rhone varietals.
In the years that followed, Terry and Jennifer’s wines continued to shine, consistently earning outstanding ratings from top critics. Their limited production pinot noir and Rhone blends became highly coveted.
Photo credit: Triston Ioppini / Trimotion Media
Robert Parker’s Wine Advocate awarded 98 points to the Hoages’ 2013 Decroux, describing it as “one of the finest wines ever produced from Paso Robles.” Grapes grown on the estate sell for premium prices to prestigious local producers like Saxum, Turtle Rock, and Torrin.
Clearly the vineyard’s complex soils and ideal microclimate translate to fruit with incredible character and depth. TH Estates brought Paso Robles to the forefront of California’s Rhone movement.
The main house
The opulent main residence is a licensed vacation rental with luxurious details and amenities throughout. Designed by Jennifer Hoage herself, no expense was spared.
Photo credit: Triston Ioppini / Trimotion Media
The interiors
The home features 3 spacious ensuite bedrooms, each with private patios to enjoy the scenic vineyard views.
The open floor plan is ideal for entertaining, with expansive windows flooding the home with natural light. Custom touches include luxe cumaru wood floors, an art gallery system, and a steam shower to unwind after a day of wine tasting.
Photo credit: Triston Ioppini / Trimotion Media
Stepping inside
The gourmet kitchen truly is the heart of the home. Custom cabinetry paired with white macaubas quartzite countertops provide a clean, modern aesthetic. Top-of-the-line Wolf range and professional series appliances make cooking a dream.
Photo credit: Triston Ioppini / Trimotion Media
Attention to detail abounds, from the wine cooler to multiple sinks and spacious walk-in pantry. A large 14-foot island seats 7 comfortably for casual dining. The formal dining room continues the upscale entertaining space with a contemporary mooii pendant lighting the table, and wine storage built right in.
Photo credit: Triston Ioppini / Trimotion Media
Practical amenities make everyday life a breeze, including whole house water filtration, a water softener, zoned AC/heating and a Lutron lighting system. This smart home has all the modern conveniences to match its luxurious style.
Property amenities
Beyond its wine-making capabilities, the 26-acre estate offers a bounty of fruit trees, olive trees, and berries throughout the property.
Photo credit: Triston Ioppini / Trimotion Media
There is also a sustainable pond for irrigation. Outdoor amenities provide plenty of opportunities for fun and relaxation. A heated saltwater pool and spa with seating for 8 is perfect for lounging on sunny days.
The stylish patio off the kitchen includes an outdoor kitchen with a firepit and BBQ, ideal for alfresco dining and entertaining. And for some friendly competition, there is a custom bocce court on the grounds.
Why sell now?
After 20 successful years immersed in the Paso Robles wine industry and community, owners Jennifer and Terry Hoage have decided to retire and pursue new adventures.
Photo credit: Triston Ioppini / Trimotion Media
The couple started their winemaking journey in 2002, after Terry’s prolific football career, when they purchased the 26-acre parcel that would become their Willow Creek vineyard and winery.
Over the past two decades, the Hoages built TH Estate Wines into an acclaimed producer of Rhône varietals and Pinot Noir that gained a cult following. They were hands-on in every aspect of the business.
Ready for a new chapter
As Terry shared, “Knowing that a book is only so long, we are now planning for a new chapter in our book of life.” While bittersweet, the Hoages are looking forward to what’s next after these invigorating decades in wine.
Photo credit: Triston Ioppini / Trimotion Media
“We have been extremely blessed to have both had two successful careers participating in exciting and invigorating endeavors,” said Jennifer Hoage. “We were fortunate to receive wonderful support from the Paso Robles community and spectacular club members that helped propel us on this journey.”
After celebrating immense success in the NFL and later as vintners, the Hoages are ready to embrace retirement and discover what life has in store next for them. Though they’ll miss being part of the Paso Robles wine community, they’re excited to see what new adventures await.
The opportunity
Photo credit: Triston Ioppini / Trimotion Media
The couple’s decision to part ways with their longtime winery opens up a rare opportunity for one lucky buyer to build upon the reputation and success that Terry and Jennifer Hoage achieved during their 20-year winemaking career here.
The property offers a move-in ready luxury main home along with 26 acres of established vines, a licensed winery, and tasting room.
From the vineyard and winery to the stunning home, all the hard work has been done — now is somebody else’s chance to reap the rewards. And for those seeking a turnkey wine country lifestyle, 870 Arbor Road checks every box.
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Have you been thinking, “Should I move to Charleston”? Known for its rich history, charming architecture, and Southern hospitality, Charleston has been capturing the hearts of people for centuries. But before you start packing your bags, it’s essential to weigh the pros and cons of calling this coastal gem home. In this article, we’ll dive into everything Charleston, exploring its unique culture, lifestyle offerings, and potential challenges to help you decide if the Holy City is the right move for you.
Charleston at a Glance
Walk Score: 40 | Bike Score: 50 | Transit Score: 24
Median Sale Price: $560,000 | Average Rent for 1-Bedroom Apartment: $1,500
Charleston neighborhoods | Houses for rent in Charleston | Apartments for rent in Charleston | Homes for sale in Charleston
Pro: Beautiful historic architecture
Charleston is renowned for its well-preserved historic architecture. The city’s Rainbow Row is a testament to this, offering a colorful glimpse into 18th-century life. Walking tours around the Battery showcase historic homes that have stood the test of time. These structures provide a unique backdrop for the city, attracting history buffs and architecture enthusiasts alike. The city is like a living museum, where every corner tells a story.
Con: Humidity and heat
The summer climate in Charleston can be a significant drawback. The combination of high temperatures and intense humidity makes outdoor activities challenging. This weather can be particularly oppressive in July and August, where it’s not uncommon for the heat index to soar. Many people find air conditioning a necessity, not a luxury, affecting both comfort and utility bills.
Pro: Thriving culinary scene
Charleston’s culinary scene is a major attraction. The city boasts an impressive array of dining options, from traditional Southern comfort food to innovative seafood dishes. Restaurants like Husk and FIG have received national acclaim, putting Charleston on the map for foodies. The annual Charleston Wine + Food Festival further highlights the city’s gastronomic prowess, drawing chefs and food enthusiasts from around the globe.
Con: Seasonal allergy concerns
For those sensitive to pollen, Charleston can be challenging, especially in the spring. The city’s abundant greenery and floral blooms, while beautiful, contribute to high pollen counts. This can lead to uncomfortable allergy symptoms for many residents. The high humidity levels also promote mold growth, which can exacerbate allergies and respiratory issues, making it a significant concern for some.
Pro: Beach proximity
Living in Charleston means being just a short drive away from some of the most beautiful beaches on the East Coast. Folly Beach, Sullivan’s Island, and Isle of Palms offer residents and visitors a chance to enjoy sandy shores and ocean waves. These beaches are perfect for a variety of activities, from surfing and swimming to simply soaking up the sun. It’s a coastal lifestyle that’s hard to beat.
Con: Risk of flooding
Located on the coast, Charleston faces an extreme risk of flooding, especially during hurricane season. The city’s low-lying areas are particularly vulnerable, with heavy rains often leading to street flooding and sometimes, property damage. Efforts to improve drainage and infrastructure are ongoing, but the threat remains a significant concern for residents, impacting both daily life and insurance costs.
Pro: Cultural events and festivals
Charleston is a hub for cultural events and festivals throughout the year. The Spoleto Festival USA, for example, is an internationally recognized arts festival that transforms the city into a dynamic stage for performers from around the world. There are also numerous other events, such as the Charleston International Film Festival, that celebrate the arts, music, and culture, providing endless entertainment and enrichment opportunities for residents.
Con: Limited public transportation
With a Transit Score of 24, many find the public transportation system lacking in Charleston. The CARTA bus service covers the city, but routes and frequencies may not meet everyone’s needs. This limitation affects daily commutes and accessibility to certain areas, emphasizing the need for personal transportation or reliance on ride-sharing services.
Charleston is often praised for its friendly and welcoming community. The city embodies a strong sense of Southern hospitality, where neighbors are quick to offer a smile or a helping hand. This warm atmosphere makes it easy for newcomers to feel at home. Community events, from local farmers’ markets to neighborhood block parties, foster a sense of belonging and togetherness.
Con: Seasonal tourists
While tourism boosts Charleston’s economy, the influx of visitors during peak seasons can be overwhelming. Popular areas like King Street and the Historic District become crowded, making it difficult to navigate and enjoy the city’s amenities. The demand from tourists can also lead to higher prices in restaurants and shops, further impacting locals’ daily lives.
Pro: Access to outdoor recreation
Charleston offers a plethora of outdoor recreation opportunities. The city’s parks, such as James Island County Park, provide spaces for hiking, biking, and picnicking. Water sports enthusiasts can enjoy kayaking and paddle boarding in the many rivers and inlets. The mild climate for most of the year supports an active lifestyle, encouraging locals to explore the natural beauty surrounding them.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Miami is known for its beautiful beaches, diverse culture, and top-notch nightlife. From the iconic Art Deco architecture of South Beach to the bustling atmosphere of Little Havana, Miami offers a unique blend of history and modernity. Residents can enjoy year-round sunshine, world-class dining, and a thriving arts scene. Whether you’re drawn to the laid-back atmosphere of Coconut Grove or the high-energy atmosphere of Downtown, this city always has something to explore. With its dynamic atmosphere, it’s no wonder so many people ask themselves, “Should I move to Miami?” In this article, we’ll discuss the pros and cons of living in Miami to help you decide if it’s the right place for you. Let’s jump in.
Miami at a Glance
Walk Score: 77 | Bike Score: 64 | Transit Score: 57
Median Sale Price: $601,500 | Average Rent for 1-Bedroom Apartment: $2,770
Miami neighborhoods | Houses for rent in Miami | Apartments for rent in Miami | Homes for sale in Miami
Pro: Access to world-renowned beaches
Miami’s beaches are among its most significant attractions, drawing millions of visitors each year. South Beach, known for its energetic atmosphere and crystal-clear waters, is a perfect example. These beaches are not only ideal for sunbathing and swimming but also offer a plethora of water sports activities. The year-round warm weather ensures the beaches are always a go-to option for relaxation and entertainment.
Con: High cost of living
The cost of living in Miami is 17% higher than the national average. Additionally, the median sale price of a home is about $150,000 above the national average. Rent and real estate prices in neighborhoods near downtown are particularly steep, and even everyday expenses like groceries and transportation can add up. This high cost of living can make it challenging for the some residents to afford living in this area.
Pro: Dynamic nightlife
Miami is renowned for its dynamic and diverse nightlife. From world-class nightclubs and beach bars in South Beach to more laid-back live music venues in Wynwood, the city offers an array of options for nighttime entertainment. Miami’s nightlife is a draw for both locals and tourists, providing a lively scene that’s alive and bustling until the early hours of the morning. This atmosphere is a key aspect of Miami’s identity, reflecting its energetic and vibrant spirit.
Con: Vulnerability to climate change
Miami is on the frontline of climate change. It facing significant threats from rising sea levels and increased frequency of extreme weather events. The city’s geographical location makes it particularly susceptible to hurricanes, which can cause widespread damage and disruption. Additionally, the rising sea levels pose a long-term threat to Miami’s coastal areas. These issues can potentially impact property values and lead to increased insurance costs. These environmental challenges are a growing concern for many residents and policymakers alike.
Pro: Culinary diversity
Miami’s culinary scene is a reflection of its multicultural population. The city is particularly renowned for its Cuban, Haitian, and Latin American food, providing an authentic taste of these cultures. From high-end restaurants to street food vendors, Miami’s food landscape is vibrant and diverse, ensuring that there is something to satisfy every palate. This culinary diversity is a testament to Miami’s melting pot of cultures, making it a paradise for food lovers.
Con: Seasonal crowds
While Miami’s popularity as a tourist destination is a boon for the local economy, it can also lead to overcrowding. The influx of visitors can strain local resources and infrastructure, leading to crowded beaches, longer waits at restaurants, and increased traffic. For locals, this seasonal surge can detract from the city’s livability, making it difficult to enjoy the very attractions that make Miami appealing.
Pro: International business hub
Miami serves as a critical gateway for international business, particularly between the United States and Latin America. Its strategic geographic location, coupled with a multilingual workforce, makes it an attractive location for multinational corporations and startups alike. The city hosts several international trade shows and conferences, further cementing its status as a global business hub. This international focus not only boosts the local economy but also provides residents with unique job opportunities and cultural experiences.
Con: High insurance costs
Due to its vulnerability to hurricanes and flooding, Florida faces the highest home insurance costs in the United States. Furthermore, homeowners and renters alike must contend with steep premiums for property and flood insurance, significantly adding to the cost of living. These high insurance costs can be a financial burden for many, affecting affordability and the overall desirability of living in Miami.
Pro: Outdoor activities and recreation
Miami’s warm climate and natural beauty offer endless opportunities for outdoor activities and recreation. From boating and fishing in the crystal-clear waters of Biscayne Bay to golfing at one of the many scenic courses, there’s no shortage of ways to enjoy the great outdoors. The city also boasts numerous parks and green spaces, such as the Everglades National Park, providing a haven for wildlife enthusiasts and nature lovers. Miami’s commitment to outdoor living enhances the quality of life for its residents, making it an ideal place for those who love to stay active.
Con: Noise pollution
With its bustling nightlife, busy streets, and ongoing construction, Miami can be a noisy place to live. The sound of traffic, music, and crowds can be a constant presence in many parts of the city, particularly in more densely populated or tourist-heavy areas. This noise pollution can be a nuisance for some and may make it difficult to find peace and quiet. For those seeking a more tranquil living environment, the constant buzz of the city might be a significant drawback.
Pro: Exciting cultural scene
Miami’s cultural scene is as diverse as its population, offering an array of activities and events that cater to a wide range of interests. The city is famous for its lively arts district, Wynwood, known for its street art, galleries, and art festivals. Additionally, Miami hosts numerous cultural festivals throughout the year, including the renowned Calle Ocho Festival, which celebrates Cuban culture. This rich cultural tapestry provides residents and visitors with endless opportunities to explore and engage with the arts and culture.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
In the Midwest, Ohio provides residents a unique blend of urban excitement, small-town charm, and picturesque landscapes. From the lively city life of Columbus, with its thriving arts scene and diverse culinary offerings, to the quaint charm of Cincinnati, known for its historic neighborhoods and iconic skyline views along the Ohio River, Ohio has a diverse array of experiences. In this ApartmentGuide article, we’ll uncover the pros and cons of living in Ohio, so you can learn what life is like in “The Buckeye State.”
Renting in Ohio snapshot
Population
11,785,935
Avg. studio rent
$724 per month
Avg. one-bedroom rent
$933 per month
Avg. two-bedroom rent
$1,109 per month
Most affordable cities to rent in Ohio
Lorain, Elyria, Lima
Most walkable cities in Ohio
Lakewood, Norwood, Cleveland
1. Pro: Affordable cost of living
Cities like Dayton and Toledo offer residents access to affordable housing options, with median home prices and rental rates below the national average. For instance, Toledo has a median home sale price of $105,500 and an average rental rate of $784 for a one-bedroom apartment. Additionally, everyday expenses such as groceries, utilities, and healthcare are generally more affordable, allowing residents to stretch their dollars further and enjoy a higher standard of living.
2. Con: Unpredictable weather
Ohio’s weather is notoriously unpredictable, with residents experiencing a wide range of climatic conditions throughout the year. From severe thunderstorms and tornadoes in the spring to heavy snowfall and freezing temperatures in the winter, Ohioans must be prepared for rapidly changing weather patterns. Cities like Cincinnati and Cleveland often face weather-related disruptions, such as flooding and power outages, which can impact daily life.
3. Pro: Sports culture
Ohio has a rich sports culture, with passionate fans rallying behind local teams and sporting events. Cities like Cleveland and Cincinnati are home to iconic sports franchises such as the Cleveland Cavaliers, Cleveland Browns, Cincinnati Reds, and the Cincinnati Bengals. Moreover, Ohio hosts major sporting events like the Cincinnati Masters tennis tournament and the Memorial Tournament in Dublin, attracting athletes and spectators from around the world.
4. Con: Limited public transportation
Ohio’s public transportation infrastructure is relatively limited, particularly outside major urban centers like Columbus and Cleveland, which can present challenges for residents who rely on public transit. Lakewood, for example has a transit score of 41, meaning there are only a few public transportation options offered in the city.
5. Pro: Educational opportunities
Ohio offers a wealth of educational opportunities at all levels, from great universities to excellent public school systems. Institutions like The Ohio State University, Case Western Reserve University, and Miami University provide students with exceptional academic programs and research opportunities. Moreover, Ohio’s strong public school system ensures that students receive quality education from an early age.
6. Con: Infrastructure concerns
Ohio faces infrastructure concerns, including aging roads, bridges, and public utilities, which can impact residents’ quality of life. The state received a C- on its Infrastructure Report Card in 2021, which further highlights its lacking infrastructure.
7. Pro: Outdoor recreation
Ohio’s diverse landscapes offer residents ample opportunities for outdoor recreation and exploration. From hiking and biking trails in Cuyahoga Valley National Park to boating and fishing on Lake Erie, the state’s natural beauty provides endless possibilities for adventure. Columbus, one of Ohio’s largest cities, has an extensive park systems and green spaces, providing residents opportunities for picnicking, birdwatching, and outdoor sports year-round.
8. Con: High humidity
Ohio experiences high humidity levels, particularly during the summer months, which can create uncomfortable and sticky conditions for residents. The combination of heat and humidity can lead to discomfort, dehydration, and heat-related illnesses, prompting residents to seek relief indoors or in air-conditioned spaces during the hottest times of the year.
9. Pro: Central location
Ohio’s central location in the Midwest makes it an ideal base for travel and exploration throughout the region. Columbus and Cincinnati are within a day’s drive of major metropolitan areas such as Chicago, Detroit, and Pittsburgh, offering residents easy access to cultural attractions, entertainment, and dining experiences.
10. Con: Environmental concerns
Ohio faces various environmental concerns, including pollution from industrial activities, agricultural runoff, and urban development, which can impact air and water quality. Additionally, Lake Erie and the Ohio River are susceptible to pollution and algae blooms, affecting drinking water sources and aquatic ecosystems.
11. Pro: Historical landmarks
12. Con: “Brain drain”
Ohio experiences “brain drain,” where various people leave the state in search of better job opportunities and quality of life elsewhere. Factors contributing to brain drain include limited job prospects, lack of cultural amenities, and perceptions of Ohio as a less desirable place to live.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
In Delaware, the allure of small-town charm meets the convenience of city living, making it an ideal destination for renters seeking a balanced lifestyle. From the bustling urban center of Wilmington, with its rich history and thriving arts scene, to the youthful energy of Newark, home to the University of Delaware, the state caters to diverse experiences. In this ApartmentGuide article, we’ll explore the pros and cons of living in Delaware, providing insights into what makes it a distinctive place to call home.
Renting in Delaware snapshot
Population
1,031,890
Avg. studio rent
$958 per month
Avg. one-bedroom rent
$1,054 per month
Avg. two-bedroom rent
$1,254 per month
Most affordable cities to rent in Delaware
Smyrna, Newark, Dover
Most walkable cities in Delaware
Wilmington, Newark, Dover
1. Pro: Rich historical sites
Delaware, known as “The First State,” boasts a wealth of historical landmarks and museums that offer a glimpse into the nation’s past. From the cobblestone streets of New Castle to the expansive grounds of the First State National Historical Park, residents can immerse themselves in the early colonial and American history that shaped the nation.
2. Con: Traffic congestion
Despite its small size, Delaware experiences significant traffic congestion, particularly around Wilmington and during the summer season. The influx of tourists heading to popular destinations like Rehoboth Beach can lead to frustrating delays on major routes such as I-95. If you’re planning a drive, it’s wise to schedule around rush hour and consider peak times to ensure a smoother journey.
3. Pro: No sales tax
Delaware does not have sales tax which is a major perk for residents, offering significant savings on everyday purchases. This policy covers a broad spectrum of goods, from clothing to electronics, enhancing the purchasing power of residents and contributing to a higher standard of living. With no sales tax to worry about, Delaware residents can enjoy greater affordability and value when shopping for essentials.
4. Con: Limited public transportation
Public transportation options in Delaware are somewhat limited, especially outside of Wilmington. In fact, in cities like Dover, the transit score is 28, meaning there are a few nearby transit options. This can pose challenges for those who rely on public transit for their daily commute or for accessing essential services.
5. Pro: Access to beaches
Delaware’s coastline is home to some of the most beautiful beaches in the Mid-Atlantic, such as Rehoboth Beach and Bethany Beach. These beaches offer residents and visitors a chance to enjoy seaside leisure activities, boardwalk attractions, and community events.
6. Con: Seasonal crowds
The appeal of Delaware’s beaches also brings seasonal crowds, particularly in the summer months. This influx can lead to crowded beaches, increased traffic, and higher prices in coastal towns like Lewes, impacting the tranquility of the off-season.
7. Pro: Vibrant arts and culture scene
Delaware’s arts and culture scene is thriving, with numerous galleries, theaters, and festivals. The Grand Opera House in Wilmington and the annual Firefly Music Festival in Dover are just a couple of examples that highlight the state’s cultural offerings.
8. Con: Weather variability
Delaware’s weather exhibits significant variability, ranging from hot and humid summers to cold and snowy winters, which can be perceived as a drawback by some residents. Coastal areas are particularly vulnerable to storms and flooding, posing challenges for infrastructure and property maintenance. Moreover, the state’s location in the Mid-Atlantic region exposes it to the potential impacts of hurricanes and nor’easters.
9. Pro: Proximity to major cities
Delaware’s strategic location in the Mid-Atlantic offers easy access to several major cities. Residents can enjoy day trips or weekend getaways to places like Philadelphia, Washington D.C., and New York City, all within a few hours’ drive. In fact, Wilmington is around a 22 minute train ride to Philadelphia on the Northeast Regional train.
10. Con: Air quality issues
Delaware contends with air quality issues, primarily due to its industrial activity and transportation infrastructure. Cities like New Castle face challenges with air pollution stemming from heavy traffic and industrial emissions, impacting respiratory health.
11. Pro: Community and small-town feel
Despite its proximity to major urban centers, Delaware maintains a sense of community and small-town charm. Towns like Lewes and Smyrna offer a slower pace of life with friendly neighborhoods, local markets, and community events.
12. Con: Limited job market
Delaware’s job market faces limitations, notably due to its small size and concentration in certain industries. While sectors like finance and pharmaceuticals thrive, opportunities may be limited in other fields, impacting job diversity. Additionally, the state’s proximity to major metropolitan areas like Philadelphia and Baltimore means some residents commute for broader employment options.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
Living in Indiana provides residents a blend of urban excitement and small-town charm. Here, residents enjoy a laid-back lifestyle amidst bustling city centers and scenic countryside. From the dynamic energy of Indianapolis, the state’s capital and cultural hub, to the historic allure of towns like Bloomington, home to Indiana University, the “Hoosier State” provides a diverse range of experiences. However, there are cons to living there. In this ApartmentGuide article, we’ll dive into the pros and cons of living in Indiana to give you some insight into what life is like.
Renting in Indiana snapshot
1. Pro: Vibrant cultural festivals
Indiana is home to a variety of cultural festivals that celebrate its rich heritage and diverse communities. The state hosts events such as the Indy Film Fest and the Feast of the Hunters’ Moon in West Lafayette, providing residents and visitors a chance to experience the arts, history, and culinary delights of different cultures.
2. Con: Tornadoes and flooding risk
The “Hoosier State” faces certain risks such as tornadoes and flooding, particularly in the spring and summer months. Tornadoes can occur sporadically throughout the state, posing a threat to residents and property, while heavy rainfall can lead to flash flooding in low-lying areas.
3. Pro: Affordable cost of living
The cost of living in Indiana is relatively low compared to many other states. This affordability is evident in housing, utilities, and daily expenses, making it an attractive place for people looking for a more manageable financial lifestyle. Evansville, is a great example of this affordability as it has a median home sale price of $152,450 and an average rental price of $777 for a one-bedroom apartment.
4. Con: Limited public transportation
Indiana’s public transportation options are limited, especially in rural and suburban areas. This can pose challenges for those who do not own a vehicle or prefer not to drive, impacting their ability to easily access certain amenities. For instance, Terre Haute has a transit score of 19, meaning that almost all errands require a car.
5. Pro: Educational opportunities
Indiana has a strong educational system, with prestigious institutions like Purdue University in West Lafayette and Indiana University Bloomington. These universities not only provide excellent higher education opportunities but also contribute to local economies and cultural vibrancy.
6. Con: Air quality concerns
Some areas in Indiana face air quality issues, largely due to industrial activities and vehicle emissions. Since most residents rely on their cars to get around, Indiana has a reputation of facing pollution, especially in larger cities like Indianapolis. This environmental concern can affect residents’ health, particularly those with respiratory conditions, and efforts are ongoing to address and improve air quality across the state.
7. Pro: Thriving sports culture
Indiana has a rich sports culture, with a passionate following for basketball at all levels. From high school to professional leagues, with teams like the Indiana Pacers and the Indianapolis Colts. The state also hosts significant sporting events, such as the Indianapolis 500, attracting fans from around the world.
8. Con: Seasonal allergies
Indiana’s climate and diverse vegetation contribute to high seasonal allergies, with pollen levels often peaking in the spring and fall. Common allergens include tree pollen from species like oak, maple, and birch, as well as grass pollen during the summer months.
9. Pro: Natural beauty and outdoor activities
From the sand dunes of Indiana Dunes National Park along Lake Michigan’s shores to the scenic trails and waterfalls of Turkey Run State Park, there are ample opportunities for hiking, camping, and exploring nature. Additionally, Indiana’s numerous lakes, rivers, and reservoirs offer opportunities for fishing, boating, and water sports, providing endless recreational options.
10. Con: Limited job opportunities
Indiana, while home to thriving industries like manufacturing and healthcare, may offer limited job opportunities in specialized fields compared to larger urban areas. For example, in rural areas, residents may find fewer job openings in sectors such as technology or finance, requiring them to seek employment in larger cities.
11. Pro: Community spirit
Indiana is known for its strong sense of community and hospitality. Neighborhoods and towns across the state host local events, from farmers’ markets to county fairs, fostering a sense of belonging and togetherness among residents.
12. Con: Infrastructure challenges
Despite ongoing improvements, Indiana faces infrastructure challenges, including aging roads and bridges. In fact, Indiana received a C- on its 2021 Infrastructure Report Card highlighting the need for road repair. These issues can impact travel efficiency and safety, and addressing them is a priority for ensuring the state’s continued growth and development.
Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.
In the heart of Oklahoma’s rolling plains lies Tulsa, a city that resonates with a charm and character all its own. Known as the “Oil Capital of the World,” Tulsa’s history is deeply intertwined with the boom and bust cycles of the oil industry. Whether you’re soaking up the beauty of the Tulsa River Parks, visiting a museum, or enjoying the tunes at a live music venue, Tulsa offers a unique blend of cultural experiences. With all these great qualities, it’s no wonder people are asking themselves, “Should I move to Tulsa?” In this article, we’ll dive into the pros and cons of living in Tulsa to help you figure out if this city’s rhythm matches your own. Let’s explore what makes Tulsa truly special.
Tulsa at a Glance
Walk Score: 39 | Bike Score: 47 | Transit Score: 23
Median Sale Price: $229,000 | Average Rent for 1-Bedroom Apartment: $832
Houses for rent in Tulsa | Apartments for rent in Tulsa | Homes for sale in Tulsa
Pro: Affordable cost of living
Tulsa has a cost of living that’s 12% lower than the national average. Additionally, residents enjoy housing costs that are about $200,000 less than the national average, making homeownership more accessible for many. This affordability extends to everyday expenses, such as groceries and utilities, allowing for a comfortable lifestyle without breaking the bank. The city’s commitment to maintaining affordability ensures that locals can enjoy a high quality of life at a lower cost.
Con: Weather extremes
Tulsa experiences a wide range of weather extremes, from scorching summers to icy winters. The city is also situated in an area known as Tornado Alley, making severe weather events, including tornadoes and hailstorms, a common occurrence. These weather extremes can pose challenges for residents, from the discomfort of high temperatures to the potential dangers and damages caused by severe weather events.
Pro: Exciting cultural scene
Tulsa boasts a plethora of cultural attractions. For example, the city is home to the Philbrook and Gilcrease Museums, which house world-class art collections, and the historic Greenwood District, known as the Black Wall Street. Additionally, Tulsa’s music scene is thriving, with venues like the Cain’s Ballroom hosting a variety of live performances. This rich cultural tapestry provides residents with endless opportunities for entertainment and education.
Con: Public transportation limitations
While Tulsa has made strides in improving its public transportation system, it still faces limitations. With a Transit Score of 23, the city’s public transit options are not as comprehensive or frequent as those in larger metropolitan areas. This can make it challenging for residents without personal vehicles to navigate the city efficiently. This reliance on cars contributes to traffic congestion and can limit accessibility for those who prefer or depend on public transit options.
Pro: Growing job market
Tulsa’s job market is on the rise, with opportunities spanning various industries such as aerospace, finance, and technology. The city has also launched initiatives like the Tulsa Remote program, attracting remote workers with incentives to relocate. These efforts have contributed to a robust job market, offering residents a wide range of employment opportunities and fostering economic growth.
Con: Limited nightlife options
Compared to larger cities, Tulsa’s nightlife options can be somewhat limited. While there are bars, restaurants, and entertainment venues, the variety and scale of nightlife activities may not meet the expectations of those accustomed to the bustling night scenes of bigger cities. This can be a drawback for people seeking a dynamic nightlife without having to travel out of town.
Pro: Green spaces and outdoor activities
Tulsa has an abundance of green spaces and parks, such as the Gathering Place, a world-class riverfront park offering a wide range of outdoor activities. The city’s commitment to outdoor spaces provides locals with ample opportunities for recreation, relaxation, and connecting with nature. Whether it’s hiking, biking, or simply enjoying a picnic, Tulsa’s parks and outdoor amenities enhance the quality of life for its residents.
Con: High allergen levels
For those with allergies, Tulsa’s high allergen levels can be a significant drawback. The city’s location and climate contribute to high pollen counts and other allergens, especially during spring and fall. This can be a considerable concern for individuals sensitive to allergens, potentially impacting their health and daily comfort.
Pro: Unique architectural heritage
Tulsa is renowned for its unique architectural heritage, particularly its collection of Art Deco buildings. This architectural style, prominent in the early 20th century, gives the city a distinctive aesthetic and historical depth. Landmarks like the Boston Avenue Methodist Church and the Philcade Building are just a few examples of Tulsa’s architectural treasures, attracting enthusiasts and contributing to the city’s cultural identity.
Con: Risk of flooding
Located near the Arkansas River, parts of Tulsa are susceptible to flooding, particularly during heavy rain seasons. This risk can affect property values and requires residents to take precautionary measures, such as purchasing flood insurance. While the city has made efforts to improve flood management, the potential for flooding remains a concern for those living in or near flood-prone areas.
Pro: Innovative urban development
Tulsa is at the forefront of innovative urban development, with projects like the Gathering Place Park and the revitalization of the historic Greenwood District. These developments not only enhance the city’s livability and attractiveness but also reflect Tulsa’s commitment to innovation and progress. By investing in urban development, Tulsa is creating a dynamic and sustainable environment for current and future residents.
Jenna is a Midwest native who enjoys writing about home improvement projects and local insights. When she’s not working, you can find her cooking, crocheting, or backpacking with her fiancé.
Get ready: There’s a new home renovation show to binge.
While you might be used to seeing the Property Brothers and Gaineses on your TV, Amazon Prime Video’s latest reality TV show/docuseries, Going Home with Tyler Cameron, features former Bachelorette star Tyler Cameron (yes, that Tyler).
The eight-episode series, which all air on April 18, documents Tyler’s journey as he builds his construction and renovation company in his hometown of Jupiter, Florida, after losing his mother. Viewers will see him remodeling everything from his aunt and uncle’s multi-million dollar property to a short-term rental and his late mother’s home. And as you might have guessed, there will also be a few cameos in the mix; former Bachelor Nation stars Matt James, Rachael Kirkconnell and Jason Tartick. The real kicker? Hannah Brown, the bachelorette who turned down Tyler’s proposal, will also make an appearance.
Tyler recently sat down with Good Housekeeping to discuss how to make the renovation process go smoothly and where homeowners should splurge and save. Plus, he reveals some of the home design trends he’s loving right now.
Courtesy of Prime
Tyler Cameron gets a hand from former Bachelor Nation star, Jason Tartick.
Good Housekeeping: What surprises most people about renovating a home?
Tyler Cameron: A lot of our clients have a hard time when we’re ripping things out and tearing things apart. They don’t see how it’s all going to come together, so you really need a forward-thinking mind. You have to be able to see what’s not there. When we’re putting in those finishing touches, arranging all the furniture, that’s where the fun and the magic happens.
GH:Is there one tip to ensure the whole process goes smoothly?
TC:When you’re going to renovate your place, it’s best to live in it for a little while. Feel how you’re going to use the space, so you can really plan it out correctly. If you have a real plan, sticking to it will help protect your budget. It won’t make it as scary or dreadful.
Michael SeRine/Prime Video
Tyler Cameron’s construction and renovation company, Image One, is based in Jupiter, Florida.
GH:When it comes to a renovation, what spaces should one splurge and save on?
TC: Splurge on the spaces you’re going to spend the most time in. For me, it’s the primary bedroom and bathroom. But when it comes to a home’s resale value, people always say go with the bathrooms, kitchens and closets.
I’m also a big believer that if you’re going to live in this space for a long time, you need to build out a little quiet place — your own getaway. In my home, for instance, I opened up the back wall of a room, installed French doors and built a deck that’s going to have a sauna, a cold plunge and couches for lounging. We all need that place in our home to just take a breath, get away and recharge.
GH: Are there certain projects homeowners can consider tackling without the help of a professional?
TC: Find some type of wainscoting or paneling that can make a huge difference in a room and make it feel customized. It may take you a few times to figure out the 45-degree cuts, but you start moving pretty fast once you do. You don’t really need to hire a professional to do it and paint it. However, when it comes to moving electrical stuff or plumbing, hire a pro. You don’t want to wake up to flooding or anything like that. It’s not fun. I’ve been there, done that.
GH: What design trends are resonating with people right now?
TC:We’re getting past light colors and grays. People are going for darker, moodier shades. They’re going bold with color and taking chances, which is fun.