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Apache is functioning normally

September 26, 2024 by Brett Tams

Tucked in the Midwest, Cincinnati, OH, lies along the Ohio River just waiting to unveil all the unique things to do among its historic neighborhoods. Local experts share a variety of activities from cozy book nooks to creative craft bars that are guaranteed to become your top favorite spots to jazz-up your daily routine.

Whether you’re moving to a new home in Cincinnati, OH, testing out the vibe in a rental home, or looking for the perfect apartment overlooking the river, these 13 unique things to do in the Queen City are ready to wow you.

1. Start in the heart of Cincy at Fountain Square

The iconic Tyler Davidson Fountain overlooks the square and marks the beginning of several possible routes for a day of exploration. On one route in particular, you can find the newly renovated and expanded Mercantile Library that has been a central part of Walnut Street since 1840. If you’re looking for a cool story, make sure to ask them about their 10,000 year lease on the space.

2. Find new, bold flavors just minutes from downtown

The food scene is just one of the many things Cincinnati is known for, and for good reason. In the Incline District, head over to The Bold Face Dairy Bar for some soft-serve ice cream with a cult following. Located just around the corner from the Warsaw Federal Incline Theatre, their collection of fun flavors from bourbon barrel stout Flurrie, to ice cream nachos, to cup of lavender with Oreos make for the perfect post-show treat. Enjoy the ambiance of their magically-lit outdoor seating area with a bold bowl or a classic cone.

3. Back your basketball team at the Crosstown Shootout

“Nothing shouts Cincinnati quite like this,” says local children’s book author Jenn Bishop. “The annual matchup between the University of Cincinnati Bearcats and the Xavier Musketeers showcases one of the fiercest sports rivalries in the country, and one of the loudest crowds you will ever hear.” Keep an eye out for tickets in December for one of the most unique things to do in Cincinnati – and be sure to pick your team wisely. “Be prepared to smack-talk for as long as you live in the Queen City.”

4. Get to know your neighbors at a local bar

Everyone is welcome at The Belle and the Bear in Montgomery. Their unique neighborhood bar vibe is paired with live music, a wide selection of local beers, and great bourbon to taste. Play some pool, darts, or just enjoy the show with other Cincinnatians.

5. Enjoy a classic Cincy breakfast and more at any time of day

Sacred Beast Diner is nestled between easy access shopping and parking in Cincinnati’s historic art district just steps away from Washington Park and Music Hall. Their all-day breakfast menu includes Cincinnati’s famous Goetta breakfast sausage, as well as strong classic cocktails and European-style café drinks. Enjoy their modern spin on classic diner fare and vintage tunes spun from the original reel to reel player.

6. Capture the moment with Olga Polo Photography

Tucked away in Montgomery, you’ll find Olga Polo Photography. Olga has a talent for capturing your most precious moments with a perfect blend of artistry and warmth. Whether you’re marking a big milestone or just want some stunning photos to cherish, Olga Polo Photography is one of Cincy’s hidden gems for making genuine, timeless memories.

7. Bring the secrets of craft cocktails home

If you’ve ever wanted to host the perfect cocktail party, start with a private cocktail class led by professional bartenders at Homemakers Bar. In addition to their seasonal flavors and welcoming bar scene, their classes offer an interactive and fun way to learn the best bartending secrets. Whether you’re a casual visitor or a cocktail enthusiast, you’ll find a memorable and personalized experience in this stand-out cocktail destination.

8. Grab a scoop made from scratch

Hello Honey has been making small batch artisanal ice cream in the heart of downtown Cincinnati since 2012. Their delicious scoops made with real ingredients rotate flavors seasonally, keeping it fresh all year round. With three different neighborhood locations, this spot is a staple of the Queen City’s ice cream scene.

9. Shop local at a community farmers’ market

“We’re all about family, community, friendships, local small businesses, and of course, food,” shares the team at the Montgomery Farmers’ Market. Every Saturday morning from May through October, enjoy their local, farm-fresh produce, artisan crafted food, live music, and activities for the kids right in your neighborhood.

10. Take a tropical-inspired tour on the Ohio River

Soak up some island vibes on a private party boat cruise with SS Tiki Tours. Hulaing up the Ohio River while taking in breathtaking views of the Cincy skyline is perhaps one of the most unique things to do in the city.

11. Cozy up with coffee, cocktails, and live music

The Härth Room is a can’t-miss if you’re looking for cozy comfort and unbeatable ambiance. Located on historic 4th Street in downtown Cincinnati, their speakeasy vibe features live jazz performances every night for you to enjoy while sipping on a Prohibition-era classic or a late night latte.

12. Discover a book-lover’s paradise

“Household Books is a new type of bookstore for people who love the old type of bookstore,” shares Bobby of the Household Books team. With a carefully curated collection of used and rare books, you’re bound to find some new treasures to add to your collection in their shelves. They also host a variety of engaging events from literary themed dinners to poetry readings that makes this bookstore a cultural hub for book lovers.

13. Stay or Dine in Over The Rhine

If you’re looking for a unique thing to do in the OTR area, the Symphony Hotel & Vivaldis Restaurant is sure to make your evening one to remember. Located between Music Hall and the FCC soccer stadium, their nine composer-themed rooms, delicious homemade Italian food, and live music every night make for an unforgettable stop on your Queen City journey.

Unique things to do in Cincinnati: Final thoughts on these special spots

Life in Cincinnati is vibrant and exciting, full of culture, community, and unique things to do. While not typically the first place you would think of for an adventure, a world of surprises lie within the Queen City if you look close enough. Before long, you’ll see why Cincinnati is such a good place to live.

Apache is functioning normally

September 26, 2024 by Brett Tams

When planning for retirement, people often assume Medicare will cover their medical bills, but in fact many retirees will face out-of-pocket costs that, over time, could reach into the six figures.

While it’s difficult to predict for sure what your actual health care costs in retirement will be — especially in light of today’s longevity — it’s wise to work with a ballpark figure in order to create a safety net of savings that will cover you, no matter what your needs will be in the years to come.

Key Points

• Planning for retirement should take health care costs into account, such as potential out-of-pocket costs and long-term care.

• According to research, the average 65-year-old individual may need $165,000 in savings to cover medical expenses in retirement (and double that amount for couples).

• Medicare covers medical costs such as preventive care, doctor visits, prescription drugs, inpatient hospital stays, short-term rehab, and hospice.

• Medicare Advantage Plans are Medicare-approved, private insurance plans that may cover medical basics as well as other expenses, such as vision, hearing, and dental.

• Health savings accounts (HSAs) and long-term care insurance can help pay for medical expenses not covered by Medicare.

Health Care in Retirement

The cost of health care in retirement can be overwhelming. According to the annual Fidelity Retiree Health Care Cost Estimate in 2024, a typical retired couple aged 65 could spend as much as $330,000 in after-tax savings on medical expenses during the course of their retirement.

That figure doesn’t include related health costs such as dental services, over-the-counter medications, or long-term care — which are not currently covered by original Medicare.

Long-term care expenses can be especially onerous, with the median cost of a private room in a nursing home running about $116,800 per year, according to the 2023 Genworth Cost of Care Survey. This, too, is an expense that many people may need to factor into their retirement plans, given the growing number of people living into their 80s and 90s — or longer.

This “new longevity,” as it’s sometimes called, may also lead to additional health-related costs down the line that are difficult to anticipate now, but require educated estimates nonetheless — especially for women, who live on average about five years longer than men.

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How Much to Budget for Health Care Costs in Retirement

To create a realistic plan for retirement, and make optimal financial decisions about investing for retirement, insurance coverage, and the timing of important government benefits — the starting point is to look at how much money will be coming in, and how much will be going out to pay for likely health issues.

Social Security Benefits

While Social Security benefits depend on an individual’s work history, as well as the age when they first file for Social Security, the key thing to know about this source of income is that it’s limited. The average monthly payout, starting in January 2024, was $1,907. And the maximum possible benefit amount is $3,822 per month, for those who retire at full retirement age in 2024.

Individuals can file for Social Security starting at age 62, generally speaking, but “full retirement age” is 67 for those born in 1960 and later. To get a more accurate estimate of your own benefit amount, go to SSA.gov.

Private Sources of Income

Fortunately, most retirees also have savings or a pension, which can add to their income. Nearly 80% of retirees reported having one or more sources of private income, in addition to Social Security, according to the Economic Well-Being of U.S. Households in 2022, by the Federal Reserve Board.

For example, you may have opened a retirement account like an IRA or an employer-sponsored plan, such as a 401(k), that may offer an additional source of income.

If you’re freelance or a small business owner, you may have a SEP IRA or a SIMPLE IRA — common retirement plan options for the self-employed.

The point is to have a grasp of your income sources in retirement, as well as your anticipated cash flow, so that you can cover medical costs in retirement.

Understanding Health Care Costs

As costs vary considerably depending on one’s region, age, and overall health, it can be difficult to estimate the precise amount to set aside for health care in retirement.

Start by assessing your overall health today, and speaking to your doctor(s) about any chronic conditions, genetic predispositions, and any other risk factors that could impact the care you need as you get older.

Unfortunately, there’s almost no way to predict with any accuracy the types of conditions or care you might need, or what they will cost, when preparing for retirement. But in some cases this thought exercise may help you anticipate some upcoming costs, so you can factor that into your overall estimate.

Of course, not all of your medical costs in retirement will be out of pocket; Medicare (and Medicaid, if you qualify) cover many medical expenses. But this insurance is another expense to factor in.

What Does Medicare Cost, What Does It Cover?

Medicare is a medical insurance program offered by the federal government for those 65 years and older, and those who are disabled. Medicare will pay certain health care expenses in retirement, but with restrictions. Dental, vision, and hearing care, including hearing aids, are not covered by Original Medicare, generally known as Parts A and B.

Also, as noted above: Medicare does not cover long-term care, like an assisted living or nursing home facility.

Note that you must apply for Medicare benefits within a certain window, or risk being penalized with higher premiums. Generally, the Initial Enrollment period begins three months before you turn 65, and it ends three months after the month in which you turned 65. Some exceptions apply (for example, if you have health insurance through your employer, or were affected by a natural disaster).

Be sure to check the terms that might apply to your situation to avoid a penalty.

Understanding Medicare Coverage

The following terms generally apply to those with a modified adjusted gross income (MAGI) over $103,000, or $206,000 for a married couple. If your premium is subject to an income adjustment, it could be as high as $594 per month (though according to the Centers for Medicare and Medicaid Services (CMS), the highest rate generally applies to people with incomes over $500,000, or $750,000 for a married couple).

• Medicare Part A covers inpatient hospital stays and treatment, as well as skilled nursing care (i.e. short-term rehab), limited in-home care and hospice. As long as you or your spouse had sufficient Medicare taxes withheld through your job (generally at least 10 years), you won’t pay a monthly premium for Part A. The deductible for Part A is $1,632 in 2024.

• Medicare Part B covers outpatient care, preventive care, and visits to doctors. The monthly premium for Part B is about $174 per month, with a roughly $240 annual deductible in 2024.

• Medicare Part D covers prescription drugs. The monthly premium is about $55.50 in 2024.

Medicare Part C, or Medicare Advantage Plans, is a bit of a separate case. Medicare Advantage plans are private insurance plans that are Medicare-approved, and may cover vision, hearing, or dental needs, as well as the medical basics and prescriptions covered by Parts A, B, and D. Medicare Advantage plans are optional.

While the Advantage Plans are designed to fill in certain gaps in coverage, you want to make sure the costs are manageable, and that you’re not paying for overlapping policies.

Medicare Costs

In other words, assuming at least one hospital stay that requires you to pay the deductible, the basic cost of Medicare alone is about $4,600 per year. Again, that doesn’t include:

• Vision care

• Dental care

• Hearing care or hearing aids

• Long-term care

Most people will need some or all of those types of health care as they get older, which could add to your potential out-of-pocket expenses over time, and speaks to the need for some emergency savings.

Other Ways to Pay for Health Care

In addition to Medicare, there are other ways to pay for medical expenses during retirement, including HSA accounts and long-term care insurance.

Health Savings Account (HSA)

When choosing a health insurance plan before you retire, consider one that comes with a health savings account (HSA) that may help you save money for retirement medical expenses. These accounts generally come with high-deductible health plans (HDHPs), and provide three substantial tax benefits:

• Contribution deductions

• Tax-deferred growth

• Withdrawals without taxation for qualified medical costs

The accounts take pre-tax deposits to cover health care costs that are not covered by insurance. The unspent money in an HSA rolls over from year to year. Most important, the money in an HSA account belongs to you, even when you are no longer participating in the original high-deductible plan.

What Your HSA Savings May Cover

HSA funds can be used to pay for a variety of medical expenses in retirement. For instance, prescription drugs, eyeglasses, hearing aids, and other medical supplies can generally be purchased with HSA funds.

Additionally, you can use HSA savings to cover deductibles and co-payments for medical care. Medicare premiums and long-term care insurance premiums can also be covered using HSA funds.

By utilizing catch-up payments and employer contributions, those who are already over 50 can still get the most out of these programs. A catch-up payment of $1,000 per year, in addition to the maximum contribution limit, is allowed for people 55 and older. One can use an HSA to pay for yearly physicals or other preventative exams covered by an HDHP.

A benefit of utilizing an HSA to cover medical expenses in retirement is that the money in the account can be invested, allowing it to increase in value over time. This might be helpful for people who wish to have a dedicated source of savings to cover medical bills.

It’s worth noting that funds in an HSA must be used for qualified medical expenses in order to be withdrawn tax-free. It’s a good idea to consult a tax professional or review IRS guidelines to ensure that HSA funds are being used appropriately.

Long-Term Care Insurance

Another approach to bridge the Medicare gap is to get long-term care insurance. This kind of insurance can provide a monthly benefit for long-term care, either for a few years or for the rest of one’s life.

The expenses of long-term care such as in-home care, assisted living, and nursing facility care, can be covered in part by long-term care insurance. These services are often required by people who are unable to do activities of daily living on their own, such as eating, dressing, or bathing, due to a chronic disease or disability.

That said, these policies can be complex, as well as expensive, and it may be wise to consult with a professional before purchasing coverage.

The Takeaway

Medical expenses can be a large portion of one’s retirement budget. As daunting as it may seem, calculating these expenditures ahead of time and developing an insurance and spending plan will help you save more of your retirement funds for other needs.

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FAQ

How much does the average person spend on health care in retirement?

Health care costs depend on a variety of factors, but on average a healthy person over age 65 could spend as much as $165,000 during their retirement ($330,000 per couple).

How do I prepare for health care expenses in retirement?

A few ways to prepare include making a retirement budget, saving in a retirement account, funding a health savings account while still employed, making sure to get adequate medical insurance through Medicare and/or private Advantage plans once you turn 65. You may want to consider long-term care insurance as well.

How do I save for out-of-pocket medical expenses?

Ways to save on out-of-pocket medical expenses include shopping around for the best prices on health care services, making use of preventive care services to help reduce the need for more expensive treatments in the future, and purchasing insurance to help cover unexpected medical costs. In addition, funding a health savings account (HSA) when it’s offered is a tax-advantaged way to set aside money for health care costs.

Photo credit: iStock/jacoblund

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Apache is functioning normally

September 26, 2024 by Brett Tams

Home to seven national parks, like Grand Teton and Yellowstone, Wyoming has endless opportunities to enjoy the rugged outdoors. From charming small towns at the foothills to snow-covered mountain towns, there are plenty of places to live in Wyoming that embrace the state’s nature.

At Rent., we’ve collected a list of the best mountain towns in Wyoming to call home. Whether you’re drawn to the allure of Yellowstone’s foothills or the quiet charm of the towns in the Wind River Range, these mountain towns offer a peaceful mountain retreat for their residents. Read on to find out which Wyoming mountain towns made the list.

1. Cody

Mountain Range: Absaroka Mountains

Average rent price: $1,500

Population: 9,720

Houses for rent in Cody, WY

Apartments for rent in Cody, WY

Homes for sale in Cody, WY

Cody is nestled within the breathtaking Absaroka Mountains and serves as a gateway to Yellowstone National Park. This town, situated about halfway between the bustling cities of Billings and Jackson, is a haven for outdoor enthusiasts. With open spaces like Cedar Mountain, Buffalo Bill State Park, and Trout Peak, you can enjoy picnic areas, trails, and stunning views.

Cody is also renowned for its historical significance and Western culture, hosting attractions like the Buffalo Bill Center of the West, the Old Trail Town, and the Cody Night Rodeo. The city’s population of just over 9,700 people enjoys a blend of small-town charm with access to restaurants and cafes such as Cody Steakhouse and Granny’s, making it a unique mountain town to live in.

2. Douglas

Mountain Range: Laramie Range

Average rent price: $700

Population: 6,220

Houses for rent in Douglas, WY

Apartments for rent in Douglas, WY

Homes for sale in Douglas, WY

Douglas is a quaint town in Wyoming, located near the Laramie Range and the Ayres Natural Bridge Park. This hidden gem has a rich pioneer history, river views, and open landscapes. The town is a short drive from Medicine Bow-Routt National Forest, offering ample opportunities for boating, fishing, and hiking.

Douglas’s historical sites, including the Wyoming Pioneer Memorial Museum and the Douglas Railroad Interpretive Museum, provide a glimpse into the area’s past. With a population of just over 6,200, Douglas offers a tight-knit community feel, with its attractions like the Wyoming State Fair, Jackalope Square, and Fort Fetterman Historic Site.

3. Gillette

Mountain Range: Black Hills

Average rent price: $1,080

Population: 32,120

Houses for rent in Gillette, WY

Apartments for rent in Gillette, WY

Homes for sale in Gillette, WY

Gillette, known as the “Energy Capital of the Nation,” is surrounded by the majestic Black Hills. This town is a haven for outdoor enthusiasts, offering numerous trails and recreational areas. Gillette is close to the iconic Devils Tower National Monument and Keyhole State Park, a popular lakeside park.

Gillette’s population of over 32,000 enjoys a variety of local amenities, including the Campbell County Rockpile Museum, McManamen Park, and the Frontier Auto Museum & Cafe. The town’s vibrant community life is complemented by dining options such as The Coop and Ranch and Roost. With its rich energy industry heritage and close-knit community, Gillette offers a unique blend of modern living and outdoor adventure in Wyoming.

4. Green River

Mountain Range: Wind River Range

Average rent price: $500

Population: 12,100

Houses for rent in Green River, WY

Apartments for rent in Green River, WY

Homes for sale in Green River, WY

Green River sits in the Wind River Range, offering breathtaking views and a plethora of outdoor activities. This town is a paradise for those who love the water, with the Green River running through it, providing excellent opportunities for fishing and boating. There are plenty of trails near town like Wilkins Peak Trailhead, Pilot Butte Wild Horse Scenic Loop, and Island Park.

With a population of over 12,000, Green River maintains a small-town atmosphere while offering amenities such as Expedition Island Park and the Sweetwater County Museum. The town’s variety of living options, combined with its natural beauty and community events like the annual River Festival, make it a great spot for residents.

5. Lander

Mountain Range: Wind River Range

Average rent price: $1,330

Population: 7,660

Houses for rent in Lander, WY

Apartments for rent in Lander, WY

Homes for sale in Lander, WY

Lander is another hidden gem near the Wind River Range, with Sinks Canyon State Park providing plenty of outdoor options for residents. For example, you can hike at the North Slope Trail and the Popo Agie Falls Trailhead. This town is rich in outdoor activities, from rock climbing and hiking to fishing in the nearby Popo Agie River.

Lander’s community of nearly 7,700 people enjoys a vibrant downtown area with local favorites like the Lander Bake Shop and the Cowfish restaurant. There are also some unique museums like the Fremont County Pioneer Museum. The town also hosts the annual International Climbers’ Festival, attracting climbers from around the globe. Lander’s blend of outdoor adventure, community spirit, and cultural events make it a unique place to call home.

6. Laramie

Mountain Range: Snowy Range

Average rent price: $1,693

Population: 32,020

Houses for rent in Laramie, WY

Apartments for rent in Laramie, WY

Homes for sale in Laramie, WY

Laramie is situated within the Snowy Range and the Medicine Bow Mountains, offering a picturesque backdrop. This town is a hub for outdoor activities, including skiing, hiking, and mountain biking. For example, you can explore places like Hutton Lake National Wildlife Refuge, Snowy Range Ski Area, and Sugarloaf Mountain.

With a population of over 32,000, Laramie is home to the University of Wyoming, adding a vibrant educational and cultural dimension to the town. Local attractions such as the Wyoming Territorial Prison State Historic Site and the Laramie Plains Museum, along with dining spots like Born In A Barn and Crowbar & Grill, contribute to the town’s lively atmosphere. Laramie’s combination of outdoor recreation, events, and views makes it an awesome Wyoming mountain town.

7. Pinedale

Mountain Range: Wind River Range

Average rent price: $1,744

Population: 2,180

Houses for rent in Pinedale, WY

Apartments for rent in Pinedale, WY

Homes for sale in Pinedale, WY

Pinedale is a small town with a big heart, located at the base of the majestic Wind River Range. This town is a gateway to outdoor adventures, with access to hundreds of miles of hiking and fishing spots. From Fremont Lake and Half Moon Lake to White Pine Resort and Fremont Overlook, there’s always a new spot to check out in the Pinedale area.

Pinedale’s population of just over 2,100 enjoys a close-knit community atmosphere, with local dining options like the Wind River Brew Pub and Los Cabos. The town is also home to the Museum of the Mountain Man, showcasing the area’s rich history. Pinedale’s stunning natural surroundings, combined with its vibrant community life, make it an enchanting place to live or visit.

8. Rawlins

Mountain Range: Medicine Bow Range

Average rent price: $788

Population: 8,630

Houses for rent in Rawlins, WY

Apartments for rent in Rawlins, WY

Homes for sale in Rawlins, WY

Rawlins, set against the backdrop of the Medicine Bow Range, offers a blend of history, culture, and outdoor recreation. This town has a population of over 8,600 and is known for the historic Wyoming Frontier Prison and the Carbon County Museum, showcasing the area’s frontier history.

Rawlins’s residents enjoy a variety of outdoor activities, including exploring the nearby Seminoe State Park overlooking Seminor Reservoir, and the Pathfinder National Wildlife Refuge. The town’s dining scene includes local favorites like Anong’s Thai Cuisine and Buck’s Sports Grill. Rawlins’s rich historical heritage and outdoor opportunities give residents a charming frontier-style mountain town.

9. Riverton

Mountain Range: Wind River Range

Average rent price: $679

Population: 10,680

Houses for rent in Riverton, WY

Apartments for rent in Riverton, WY

Homes for sale in Riverton, WY

Riverton lies in the heart of Wyoming, surrounded by the Wind River Range. This town is a hub for outdoor enthusiasts, offering easy access to both mountain adventures and the Wind River for fishing and boating. Some popular outdoor attractions include Black Bridge, camping, Boysen State Park, and 1838 Mountain Man Rendezvous Grounds.

Riverton’s vibrant community of over 10,600 people enjoys local attractions such as the Riverton Museum and the Wind River Heritage Center. The town’s dining scene features spots like the Trailhead Restaurant and Brown Sugar Coffee Roastery. Riverton’s blend of natural beauty, heritage, and community spirit makes it a welcoming place for residents looking to live in the area.

10. Torrington

Mountain Range: Laramie Range

Average rent price: $800

Population: 6,460

Houses for rent in Torrington, WY

Apartments for rent in Torrington, WY

Homes for sale in Torrington, WY

Torrington is a charming town near the Laramie Range. It’s close to popular areas like the Rawhide Wildlife Habitat Management Area, Fort Laramie National Historic Site, and Eagle Peak. This town, home to about 6,400 people, is known for its agricultural heritage and community-focused living.

Torrington’s residents enjoy local attractions such as the Homesteaders Museum and the Goshen County Fair Grounds. The town’s dining scene includes the Java Jar and the Bread Doctor, offering cozy spots for residents. Torrington’s blend of small-town atmosphere, attractions, and outdoor activities make it an awesome mountain town to live in.

11. Wilson

Mountain Range: Bridger-Teton National Forest

Average rent price: $6,500

Population: 1,380

Houses for rent in Wilson, WY

Apartments for rent in Wilson, WY

Homes for sale in Wilson, WY

Wilson is set in the Bridger-Teton National Forest near peaks like Taylor Mountain, Jackson Peak, and Horsetop Mountain. The area is known for its vast outdoor recreational opportunities, from skiing and snowboarding at Jackson Hole Mountain Resort and exploring the Laurance S. Rockefeller Preserve to visiting the Albright View Overlook and wandering through Emily Stevens Park.

With a population of over 1,380, the city has a quaint feel with its local bars, restaurants, and cafes. Just outside of Jackson, you can explore landmarks like the National Museum of Wildlife Art, Miller Cabin, and the National Elk Refuge & Greater Yellowstone Visitor Center. If you’re looking for a mountain town in Wyoming near Teton, be sure to check out Wilson.

Note that this list is not comprehensive of all the mountain towns in Wyoming. 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

Apache is functioning normally

September 26, 2024 by Brett Tams

Grad school can boost your career, but it comes at a price. Those who completed a graduate-level degree in 2020 left school with about $88,220 in student debt, on average, according to the latest data from the National Center of Education Statistics.

Even grad school loans offered by the government can be tough to repay. Federal grad PLUS loans, available to graduate and professional students for education expenses not covered by other financial aid, have a 9.08% interest rate in 2024-25, compared to 6.53% for direct loans for undergraduates.

Bills can quickly become unmanageable. A hypothetical borrower who has $88,220 in grad school debt with a 9.08% interest rate would owe more than $1,100 each month on the standard 10-year repayment plan.

Luckily, you still have loan relief and forgiveness options, especially if you work in certain professions. And with interest rates poised to fall, refinancing with a private lender may help you pay off your debt faster or lower monthly payments. If you’re struggling to pay your monthly grad school loan bill, consider these five key strategies.

1. Switch your repayment plan

Borrowers with federal loans are automatically placed on the standard 10-year repayment plan, which splits all of your debt — undergraduate and graduate — into 120 equal payments, plus interest.

Alternate repayment plans may lower your payments, especially if you have a lot of debt relative to your earnings. Income-driven repayment (IDR) plans cap your monthly bills at 10% to 20% of your income if you have graduate loans. After 20 or 25 years, the government forgives your remaining grad school debt. There are two key IDR plans currently available to most grad school borrowers:

Outside of the IDR program, the government offers two other alternative repayment plans that may lower your bills:

Extended repayment. If you owe at least $30,000, you can extend your repayment period up to 25 years on this plan. Payments can be fixed or they can increase gradually. You’ll likely pay more in total interest, but monthly bills may be smaller.
Graduated repayment. Your monthly payments will start relatively small and increase every two years over a 10-year period.

If you’re not sure which plan to choose, call your federal student loan servicer. Your servicer can walk you through the available options and help you choose a plan that lowers your monthly bills. To get a general idea of your repayment options, you can also use the loan simulator on studentaid.gov.

Private lenders offer fewer flexible repayment plans than the government. To explore your options for private grad school debt, refer to your loan origination documents and contact your lender with questions.

2. Set up autopay

Here’s an easy way to lower your monthly bill: set up automatic student loan payments. If you have federal student loans, autopay will result in a 0.25 percentage point interest rate deduction. For example, a 9.08% interest rate would become 8.83%. Over a 10-year repayment period on $88,220 worth of loans at the 9.08% rate, you’d save about $1,430 by simply enrolling in autopay.

Log into your online federal student loan servicer account to set up autopay.

Some private lenders also offer autopay discounts. Refer to your loan origination documents for details.

3. Explore other student loan forgiveness programs

IDR isn’t the only path to debt relief — there are more than a dozen student loan forgiveness programs available to borrowers. If you have graduate debt, consider these options:

Public Service Loan Forgiveness. Consider working for the government or a nonprofit organization to get loan forgiveness after 10 years. Teachers, firefighters, nurses, humanitarian aid workers, social workers and those in related professions may qualify. During the Biden administration, the average PSLF recipient has gotten $73,150 worth of student debt forgiven, according to a NerdWallet analysis of Education Department data from August 2024.
State and local student loan forgiveness programs. Depending on where you live and your profession, your state or community could forgive a certain amount of your student loan debt. For example, Vermont offers up to $5,000 in student loan repayment assistance if you recently graduated from a Vermont college or university and stay to work for an employer based in the state for at least two years. Many states also offer student loan repayment benefits for medical practitioners, ranging from therapists and social workers to dentists and surgeons.

4. Find an employer that offers student loan benefits

An increasing number of companies offer student loan benefits to employees. Nearly half of all organizations offer tuition assistance, and 9% offer student loan repayment benefits, according to the Society of Human Resource Management’s 2024 Employee Benefits Survey.

Student loan benefits vary by company. Reach out to the HR department of your current or prospective employer to learn about your options.

5. Compare refinancing options

If you’re earning a decent income and have a credit score at least in the high 600s, refinancing could get you a lower interest rate on your grad school loans. A lower rate can decrease both your monthly bills and the amount you’ll pay overall.

However, refinancing federal student loans is risky, because you’ll forfeit flexible repayment options, possible loan forgiveness and key borrower protections, like generous forbearance policies.

Only refinance your federal grad loans if you’re sure you won’t ever need these repayment features. For example, let’s say you have a steady, well-paying consulting career in the private sector. You won’t qualify for PSLF. Since you’re a high earner, an IDR plan may not lower your bill relative to the standard 10-year plan, and you may pay off your debt before reaching the IDR forgiveness threshold. In this case, refinancing to get a lower interest rate could be the best route toward managing your monthly bills and paying off your debt completely.

If you have private grad school loans, you won’t risk losing any federal protections by refinancing, because you didn’t have them in the first place. In this case, refinancing if you can get a lower rate is an easier decision.

The Federal Reserve recently cut interest rates, which could prompt lenders to lower their student loan refinance rates further. There’s no limit to the amount of times you can refinance; if you already have private student loans, consider doing so whenever you can lock in a lower rate.

To begin the process, compare rates and terms offered by different lenders and use a student loan refinance calculator. Prioritize lenders that offer a rate estimate with a soft credit check, so your credit score doesn’t get dinged.

Source: nerdwallet.com

Apache is functioning normally

September 25, 2024 by Brett Tams

When people think of Portland, they often picture its vibrant downtown, craft breweries, and iconic bridges. However, the true essence of living in Portland extends beyond the city limits. The suburbs of Portland offer a blend of peaceful residential areas and access to both natural beauty and urban conveniences. Each Portland suburb provides its own unique mix of amenities, from quiet, tree-lined streets to bustling shopping districts, all while maintaining close proximity to the heart of the city.

In this ApartmentGuide article, we’ll explore some of the most notable Portland suburbs—from the scenic riverside communities to tech-driven 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 Portland or curious about the diverse Portland neighborhoods surrounding the city, let’s discover the best parts of the Portland metro area to call home.

Cost of living in Portland

Before we dive into the top Portland suburbs, let’s take a look at the cost of living in the area. Portland’s cost of living is around 19% higher than the national average, with housing playing a significant role. The median sale price for a home in Portland is approximately $529,950, which is notably higher than the national average of $432,657. Rent for a one-bedroom apartment in Portland averages about $1,627 per month, reflecting the growing demand in the city.

While Portland itself has seen rising prices, many of the surrounding suburbs offer a range of housing options at varying price points. Below, we’ll take a closer look at some of the most desirable suburbs for those looking to live near Portland.

If you’re looking for more specific rental insights, check out our guides on the 11 Most Affordable Neighborhoods in Portland, OR for Renters in 2024 and the 9 Most Expensive Neighborhoods in Portland to Rent in 2024.

1. Beaverton

Known for: Tech industry hub, shopping, and outdoor recreation

Beaverton, located just seven miles west of downtown Portland, is one of the most sought-after suburbs in the region. The city is home to Nike’s world headquarters, along with several major tech companies, earning it a reputation as a tech industry hub. Beaverton also offers a blend of urban amenities and suburban comfort. Residents have easy access to shopping centers like Washington Square Mall and the Streets of Tanasbourne, along with an abundance of dining options ranging from local cafes to international cuisine.

Outdoor enthusiasts will appreciate Beaverton’s proximity to the Tualatin Hills Nature Park, which offers hiking trails, wildlife viewing, and open green spaces. The city has invested heavily in parks and recreation, making it a haven for those who enjoy an active lifestyle. With a mix of apartments, single-family homes, and upscale new developments, Beaverton has something for everyone, making it an ideal suburb for both professionals and those looking for a balance between city and nature.

Population: 100,000
Average rent for a one-bedroom apartment: $1,702
Median home sale price: $567,500
Beaverton transportation scores: Walk Score 52, Bike Score 67, Transit Score 35

Apartments for rent in Beaverton, OR | Houses for rent in Beaverton, OR | Homes for sale in Beaverton, OR

2. Lake Oswego

Known for: Upscale living, proximity to the lake, and scenic beauty

Lake Oswego is one of Portland’s most affluent suburbs, located just 10 miles south of the city. Nestled around Oswego Lake, this suburb is known for its luxury homes, well-manicured streets, and lush landscapes. Lake Oswego offers a high-end lifestyle, with its vibrant downtown area featuring boutique shops, art galleries, and fine dining options. The suburb is home to a thriving arts scene, with regular cultural events, concerts, and galleries that attract both locals and visitors.

Residents can enjoy outdoor recreation on Oswego Lake, where boating, fishing, and lakeside picnics are popular. Additionally, the city is known for its extensive network of parks, including George Rogers Park and Tryon Creek State Natural Area, which offer hiking trails and green spaces perfect for outdoor enthusiasts. Lake Oswego is also conveniently located near top-rated golf courses and country clubs, adding to its appeal for those seeking an upscale lifestyle.

Population: 40,000
Average rent for a one-bedroom apartment: $1,811
Median home sale price: $906,000
Lake Oswego transportation scores: Walk Score 37, Bike Score 47, Transit Score 23

Apartments for rent in Lake Oswego, OR | Houses for rent in Lake Oswego, OR | Homes for sale in Lake Oswego, OR

3. Hillsboro

Known for: High-tech employment, suburban amenities, and outdoor activities

Hillsboro, located about 18 miles west of downtown Portland, is the largest city in Washington County and a major center of the “Silicon Forest” tech corridor. With Intel and other major tech employers calling Hillsboro home, the suburb has experienced significant growth in recent years. Hillsboro is known for its modern residential developments, excellent schools, and a wide range of amenities, from local farmers’ markets to upscale shopping centers.

Despite its rapid growth, Hillsboro has retained a suburban charm, with access to nature and outdoor activities playing a key role in the local lifestyle. Residents can explore Jackson Bottom Wetlands Preserve or Rood Bridge Park, which offer trails, wildlife observation, and beautiful natural settings. With a mix of new housing developments and established neighborhoods, Hillsboro provides a variety of options for homebuyers and renters. Its location along the MAX light rail line also makes commuting to Portland convenient for those working in the city.

Population: 108,000
Average rent for a one-bedroom apartment: $2,061
Median home sale price: $532,500
Hillsboro transportation scores: Walk Score 44, Bike Score 72, Transit Score 37

Apartments for rent in Hillsboro, OR | Houses for rent in Hillsboro, OR | Homes for sale in Hillsboro, OR

4. Tigard

Known for: Suburban living with urban conveniences and green spaces

Tigard is located about 10 miles southwest of Portland and offers a mix of residential neighborhoods, shopping, and outdoor recreation. As one of Portland’s more affordable suburbs, Tigard is known for its friendly environment, making it an attractive option for those seeking suburban living with easy access to the city. Tigard’s central location near Beaverton and Tualatin gives residents a variety of nearby employment opportunities, while its well-connected public transportation options make it an ideal spot for commuters.

The suburb is home to the popular Bridgeport Village, an outdoor shopping center featuring high-end stores, dining, and a movie theater. Tigard also offers ample green spaces, with parks like Cook Park and Dirksen Nature Park providing opportunities for hiking, biking, and nature exploration. With a mix of affordable housing, upscale developments, and apartment complexes, Tigard caters to a wide range of residents.

Population: 54,000
Average rent for a one-bedroom apartment: $1,749
Median home sale price: $634,970
Tigard transportation scores: Walk Score 43, Bike Score 62, Transit Score 30

Apartments for rent in Tigard, OR | Houses for rent in Tigard, OR | Homes for sale in Tigard, OR

5. Gresham

Known for: Affordability, proximity to nature, and revitalized downtown

Gresham, located about 16 miles east of downtown Portland, is one of the area’s more affordable suburbs, making it an appealing choice for those seeking more space and lower housing costs. Known as the gateway to the Columbia River Gorge, Gresham is a haven for outdoor lovers, offering easy access to hiking, biking, and stunning views of the Pacific Northwest’s natural beauty. The suburb’s proximity to scenic attractions like Multnomah Falls and the Historic Columbia River Highway make it a favorite among residents who enjoy outdoor activities.

In recent years, Gresham’s downtown area has undergone revitalization, with new restaurants, cafes, and shops opening, creating a more vibrant community atmosphere. Gresham also boasts several parks, including Main City Park and Red Sunset Park, providing ample green spaces for recreation. For those looking for an affordable option without sacrificing access to Portland or outdoor recreation, Gresham is an excellent choice.

Population: 112,000
Average rent for a one-bedroom apartment: $1,477
Median home sale price: $497,900
Gresham transportation scores: Walk Score 47, Bike Score 64, Transit Score 39

Apartments for rent in Gresham, OR | Houses for rent in Gresham, OR | Homes for sale in Gresham, OR

6. West Linn

Known for: Scenic views, upscale neighborhoods, and outdoor activities

West Linn, located south of Lake Oswego along the Willamette River, is a picturesque suburb known for its rolling hills, beautiful landscapes, and upscale homes. This area attracts residents who value privacy, scenic beauty, and access to outdoor activities. The suburb is home to Mary S. Young Park, a popular spot for hiking, picnicking, and enjoying views of the Willamette River. The historic Willamette District offers boutique shops, restaurants, and cafes, adding charm to the suburban experience.

West Linn is a quieter, more residential-focused suburb, perfect for those seeking a slower pace of life while staying close to Portland. The housing market includes luxury estates, single-family homes, and newer developments, offering a variety of options for homebuyers. The area’s top-rated schools also make it a desirable location for those looking for a peaceful lifestyle.

Population: 27,000
Average rent for a one-bedroom apartment: $2,127
Median home sale price: $850,000
West Linn transportation scores: Walk Score 34, Bike Score 41, Transit Score 21

Apartments for rent in West Linn, OR | Houses for rent in West Linn, OR | Homes for sale in West Linn, OR

Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the Portland 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.

Apache is functioning normally

September 25, 2024 by Brett Tams

Named one of the cloudiest, snowiest, and coldest U.S. cities, Anchorage AK, is also one of the prettiest. With the Chugach Mountains in the distance and lots of gorgeous water, Anchorage truly has an abundance of natural beauty. Not to mention, Anchorage was also named one of the most affordable places to live in Alaska!

However, if you’re not sure where to start your sightseeing journey, don’t worry. We’ve compiled Anchorage’s 10 top beautiful places to check out whether you’ve just signed a lease for your rental home, are looking for an apartment, or have lived in your Anchorage, AK home for several years and many more to come.

1. Tony Knowles Coastal Trail

In no particular order, our first recommendation is the Tony Knowles Coastal Trail. This is one of Agnes Stabinska’s, of travel blog Alaska Itinerary, favorites for a reason. She particularly loves the stunning views of the coastline, Chugach Mountains, and if you’re lucky – Denali in the distance.

“It’s perfect for walking, biking, and photography, especially around sunset when the light beautifully illuminates the landscape. This 11-mile-long scenic path stretches from downtown Anchorage to Kincaid Park. Along the trail, some of the best viewpoints include Earthquake Park, which offers historical insights and beautiful coastal views, and Point Woronzof, where you can catch stunning sunset views and spot airplanes taking off from the nearby airport,” says Agnes.

2. The Turnagain Arm

Another great option is The Turnagain Arm located just thirty minutes from downtown Anchorage. Bloggers José Luis Vílchez and Cora Rose of Art We There Yet? love this spot for three main reasons: to “1) Watch surfers ride the bore tide (a unique phenomenon that only happens in a few key places on the globe). 2) Look for eerie stands of dead trees along the Upper Arm. Often called “ghost forests”, these trees died when the land suddenly fell 6-8ft during the historic 1964 earthquake (second largest in recorded history). 3) Drive up Portage Valley Rd and view glacier after glacier clinging to the valley walls.” Their absolute favorite is the 14-mile isthmus trail which is the only stretch of land connecting the Kenai Peninsula to mainland Alaska, so make sure you add that to the top of your list.

Photo courtesy of Art We There Yet?

3. Mount Baldy

Next up, we have Humphrey Hawksley’s favorite place – Mount Baldy. “Matt Worden from Go Hike Alaska led me on the thousand feet climb along well marked trails where you can absorb Alaska’s expanse, beauty and tranquility,” notes Humphrey. “Roaming the ridgeline, you have mountainscape on one side and panoramic scenes across the Eagle River on the other,” he describes.

Afterwards, Humphrey recommends checking out the Writer’s Block Bookstore and Cafe for a cup of joe, a new read, and some music. As the author of the Rake Ozenna thriller series (set in Alaska), we know his suggestion is foolproof.

4. Potter’s Marsh

“A hidden oasis in Anchorage is Potter’s Marsh, a wildlife viewing boardwalk and bird sanctuary,” says Your Alaskan Adventures’ Deborah Raarup. On this boardwalk stroll, you can expect to see moose, a variety of birds, and even some muskrats year round, as well as swans and their baby cygnets in the spring.

Additionally, “On a clear day, you can see the beautiful Chugach Mountains to the east and the Turnagain Arm to the west,” tells Deborah. With the abundant wildlife and beautiful backdrop. Potter’s Marsh is truly “one of the best places in Anchorage to get outside on an easy hike to see wildlife.”

Photo courtesy of Your Alaskan Adventures

5. Earthquake Park

Add in a bit of Alaskan history with your nature outing at Earthquake Park. Although a tragic event, this spot commemorates the 1964 earthquake with several signs explaining the effects of the disaster. Beyond your daily history lesson, this park also features incredible trails with the best coastal views and if you’re in luck, gorgeous wildflowers. Don’t forget to stop at the oversation points to take in a grand sight of Cook Inlet and the surrounding mountains.

6. Chugach State Park

It wouldn’t be an Anchorage article without the mention of Chugach State Park! This beloved spot “provides Anchorage residents and visitors with world-class backcountry recreation via numerous trailheads within a half hour drive from the international airport and downtown of Alaska’s largest city,” says Mat Brunton, mountain guide and outdoor educator of Chugach Mountain Institute.

It’s hard to find a park with more diverse landscapes as Chugach has it all: rugged mountains, glaciers, lush forests, and pristine lakes. Beyond hiking, this park is great for biking, spotting wildlife (moose, bears, eagles, etc.), fishing, camping, snowshoeing, and more. With the beautiful scenery and several activities to enjoy, it’s truly a favorite destination for outdoor lovers of all levels for a reason.

7. Adventure in the backcountry of Anchorage, AK

Looking to explore? The National Center for Outdoor & Adventure Education (NCOAE) offers the best wilderness adventures for both teens and adults. Starting in Anchorage, you’ll travel to McCarthy, settle in, and trek across the Alaskan wilderness to a rendezvous point.

What next? Great question! At this remote airstrip, a bush plane will pick you up for a journey further into the backcountry – how cool! “During these days, participants hone their outdoor and leadership skills in the heart of the Alaskan wilderness. The landscape and wildlife provide a dramatic backdrop for the learning experience. Participants may encounter moose, lynx, bears, ground squirrels, Dall sheep, and other wildlife during their guided trip. Whatever challenges the Alaskan wilderness presents, you’ll gain the skills to endure and enjoy it with confidence and style. And once your adventure is complete, you’ll be returned safe and sound to Anchorage,” describes brand and business journalist Mikal Belicove.

8. Flattop Mountain

Indigo Alpine Guides owner Jack Bynum’s perfect day includes a hike to Flattop Mountain. An accessible hike for all levels, this mountain is arguably the most climbed in all Alaska. There are several different paths to choose from, so enjoy having a choose-your-own-adventure moment. Before the hike, Jack recommends fueling up at Fire Island Bakery and/or grabbing breakfast at Middleway Cafe. If you’re doing a late afternoon hike, Jack suggests stopping for a bite at Hearth Pizza for a well-deserved slice or two.

9. Ship Creek

For the ideal afternoon activity, take artist Duke Russell’s suggestion and scooter down to ship creek and the public boat launch. This spot “provides beautiful views of the downtown skyline as well as the Chugach Mountains and Government Hill,” describes Duke. Additionally, “When the tide is out, you’ll see many sea birds feeding in the flats along ship creek,” he adds. A scooter ride followed by a scenic view and beautiful birds? What more could you ask for?

10. Lake Hood

Thirsty for water? Alaskan Sights and Bites’ co-owners Dan and Chris Morris absolutely love Lake Hood. As the world’s busiest seaplane bases, it’s the perfect spot to watch the takeoff and land. And with the backdrop of the Chugach Mountains? There’s no better Alaskan experience. It’s also “a great spot to take photos, and get a feel for the adventurous spirit of Alaska — a place we often share with guests on our Alaskan Sights & Bites van tours,” add Dan and Chris.

Darby works as a Content Marketing Coordinator on Redfin’s impressive Content Marketing team. Her experience includes media advertising, graphic design, and a B.A. in business leadership with a concentration in marketing and communication studies. She currently resides in Seattle, WA, and can be found crafting with her friends and sipping on a chai latte at Gasworks Park. Her dream home is either a cream cottage in Madrona, WA, or a brownstone in the West Village.

Source: rent.com

Apache is functioning normally

September 25, 2024 by Brett Tams

When people think of Madison, WI, they often picture its lively downtown, iconic Capitol building, and the picturesque lakes that surround the city. However, the true essence of living in Madison extends beyond the city limits. The suburbs of Madison are diverse residential areas that offer a quieter, more relaxed lifestyle while still providing easy access to the city’s vibrant amenities, including its university, dining, and cultural attractions. These Madison suburbs are spread across various parts of the metropolitan area, each with its own unique character and charm.

In this ApartmentGuide article, we’ll explore some of the most notable Madison suburbs—from peaceful lakeside towns to fast-growing communities—highlighting key aspects such as population, average rent, and what makes each area stand out. Whether you’re searching for the perfect apartment in Madison or curious about the different Madison neighborhoods around the city, let’s discover the best parts of the Madison metro area to call home.

Cost of living in Madison

Before we dive into the top Madison suburbs, let’s cover how much it costs to live in Madison. The overall cost of living in Madison is about 5% higher than the national average. Housing is a significant factor, with the median sale price for a home in Madison at around $408,000, which is slightly below the national median of $432,657. Rent follows a similar trend, with the average rent for a one-bedroom apartment in Madison at approximately $1,714, which is close to the national average of $1,494.

While some suburbs around Madison offer more affordable options, others provide more upscale, spacious living opportunities. Here, we’ll explore a range of top suburbs, offering different lifestyle and housing choices depending on your budget and preferences.

1. Middleton

Known for: Excellent schools, vibrant downtown, and business headquarters

Middleton, located just five miles west of Madison, is one of the area’s most sought-after suburbs. Known for its highly-rated public schools, Middleton has long been considered a prime destination for those looking for top-notch education, small-town charm, and easy access to Madison. The city’s quaint yet lively downtown district features a variety of locally-owned restaurants, cafes, boutiques, and community spaces, giving it a welcoming, vibrant feel.

In addition to its charm, Middleton is home to several major businesses, including Spectrum Brands and American Girl, providing local job opportunities while maintaining a small-town atmosphere. The area also boasts access to recreational activities, with several parks, including Pheasant Branch Conservancy, offering hiking, biking, and wildlife watching.

Population: 21,000
Average rent for a one-bedroom apartment: $1,647
Median home sale price: $579,000
Middleton transportation scores: Walk Score 46, Bike Score 59, Transit Score 25

Apartments for rent in Middleton, WI | Houses for rent in Middleton, WI | Homes for sale in Middleton, WI

2. Sun Prairie

Known for: Rapid growth, diverse housing options, and local amenities

Sun Prairie, located about 12 miles northeast of Madison, has transformed from a quiet town into a booming suburban hub over the past decade. Its expansion has been marked by new residential developments, a growing retail sector, and a wide array of dining options, making it a vibrant community. The downtown Sun Prairie area offers a mix of new restaurants, bars, and local shops, while the suburb’s spacious parks and recreation centers make it a great place for outdoor activities.

One of the suburb’s key advantages is its affordability and variety of housing options. From new townhomes to single-family houses, Sun Prairie provides diverse options for a range of residents, whether you’re renting or buying. Its location near major highways also makes commuting to Madison quick and easy.

Population: 35,000
Average rent for a one-bedroom apartment: $1,495
Median home sale price: $424,500
Sun Prairie transportation scores: Walk Score 33, Bike Score 56

Apartments for rent in Sun Prairie, WI | Houses for rent in Sun Prairie, WI | Homes for sale in Sun Prairie, WI

3. Fitchburg

Known for: Scenic parks, growing neighborhoods, and outdoor activities

Fitchburg is a dynamic suburb located just south of Madison, known for its extensive green spaces and outdoor recreational activities. The suburb has seen rapid development over the past decade, with several new residential neighborhoods emerging alongside established communities. Its parks, such as McKee Farms Park and the Capital City Trail, offer a wide range of recreational activities, from biking to picnicking, making it an excellent choice for outdoor lovers.

Fitchburg also has a diverse housing market, ranging from single-family homes to modern apartments, making it an attractive option for those who want a bit more space while still staying connected to Madison. The area is also home to several tech firms and educational institutions, providing opportunities for local employment.

Population: 31,000
Average rent for a one-bedroom apartment: $1,572
Median home sale price: $434,019
Fitchburg transportation scores: Walk Score 30, Bike Score 58, Transit Score 20

Apartments for rent in Fitchburg, WI | Houses for rent in Fitchburg, WI | Homes for sale in Fitchburg, WI

4. Waunakee

Known for: Small-town feel, growing developments, and scenic beauty

Waunakee, located about 10 miles north of Madison, offers a peaceful, close-knit community with a variety of housing options. Known for its historic downtown area and an increasing number of modern amenities, Waunakee has grown in popularity over recent years. Residents enjoy access to parks, trails, and outdoor activities, including nearby Governor Nelson State Park, which offers waterfront recreation on Lake Mendota.

Waunakee’s housing market has also seen steady growth, with new residential developments bringing modern homes and townhouses to the area. Despite its recent expansion, Waunakee maintains its small-town charm, attracting residents who value a quiet atmosphere while remaining close to Madison.

Population: 14,000
Average rent for a one-bedroom apartment: $1,221
Median home sale price: $714,500
Waunakee transportation scores: Walk Score 82, Bike Score 65

Apartments for rent in Waunakee, WI | Houses for rent in Waunakee, WI | Homes for sale in Waunakee, WI

5. Verona

Known for: Tech industry presence, suburban growth, and outdoor recreation

Verona, located about 12 miles southwest of Madison, has gained recognition for being home to Epic Systems, one of the world’s leading healthcare software companies. Verona has experienced substantial residential and commercial development as a result, making it one of the area’s fastest-growing suburbs. The suburb offers a range of housing options, including newer single-family homes, modern apartment complexes, and quiet residential streets.

Verona also boasts several outdoor recreational opportunities, including parks, nature reserves, and easy access to the Ice Age National Scenic Trail, which passes through the region. The suburb’s combination of employment opportunities, suburban growth, and scenic beauty makes it an appealing destination for residents who want to work and play near Madison.

Population: 14,000
Average rent for a one-bedroom apartment: $1,600
Median home sale price: $555,000
Verona transportation scores: Walk Score 79, Bike Score 67

Apartments for rent in Verona, WI | Houses for rent in Verona, WI | Homes for sale in Verona, WI

6. Monona

Known for: Lakeside living, access to downtown Madison, and recreational opportunities

Monona, a small suburb located along Lake Monona’s eastern shore, offers stunning views and easy access to lakeside activities. Just a few miles from downtown Madison, Monona blends peaceful suburban living with proximity to the city’s vibrant amenities. Its parks, including Winnequah Park, provide plenty of outdoor space for residents to enjoy picnics, sports, and water activities.

Monona is known for its variety of housing options, including cozy lakefront homes, apartments, and townhouses, making it a desirable place for those who love nature and water recreation while staying connected to the city. The suburb’s scenic beauty and local events make it a hidden gem in the Madison metro area.

Population: 8,000
Average rent for a one-bedroom apartment: $1,350
Median home sale price: $456,500
Monona transportation scores: Walk Score 52, Bike Score 57

Apartments for rent in Monona, WI | Houses for rent in Monona, WI | Homes for sale in Monona, WI

7. DeForest

Known for: Affordable living, small-town charm, and easy commuting

DeForest, located about 15 miles north of Madison, is a growing suburb known for its affordable housing and quiet, small-town feel. The suburb offers a variety of homes, from charming older residences to new developments, making it a great option for those seeking affordable housing close to Madison. Its location near major highways also makes commuting to the city relatively easy.

DeForest offers access to several parks, trails, and outdoor spaces, including the Yahara River Trail, which is perfect for walking, biking, and enjoying the natural beauty of the area. With its balance of affordability, small-town charm, and proximity to Madison, DeForest continues to grow in popularity.

Population: 10,000
Average rent for a one-bedroom apartment: $1,350
Median home sale price: $489,150
DeForest transportation scores: Walk Score 74, Bike Score 57

Apartments for rent in DeForest, WI | Houses for rent in DeForest, WI | Homes for sale in DeForest, WI

Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the Madison 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.

Apache is functioning normally

September 24, 2024 by Brett Tams

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.

Apache is functioning normally

September 24, 2024 by Brett Tams

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

Apache is functioning normally

September 24, 2024 by Brett Tams

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.

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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.

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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