Oxnard, a picturesque coastal city in Ventura County, offers a unique blend of beachside living, agricultural heritage, and community charm. With its scenic beaches, diverse neighborhoods, and easy access to outdoor activities, it’s no wonder many people dream of calling Oxnard home. However, life in this beautiful city also comes with its own set of challenges. So whether you’re searching for a modern apartment in downtown Oxnard or a cozy apartment in Riverpark, you’ve come to the right place.
In this ApartmentGuide article, we’ll explore the various pros and cons of living in Oxnard, helping you decide if this coastal community is the right place for you.
Fast facts about living in Oxnard
Known for: Beautiful beaches, strawberry farms, and coastal living
Fun fact: Oxnard hosts the annual California Strawberry Festival, celebrating the city’s prominent strawberry industry
Population: Approximately 210,000 residents
Average rent: $2,550 per month for a one-bedroom apartment
Median home sale price: $752,500
Public parks: Over 60, including the Channel Islands Harbor and Oxnard Beach Park
Languages spoken: Predominantly English and Spanish
Proximity to Los Angeles: About 60 miles northwest
Restaurants: A wide range of coastal cuisine, Mexican restaurants, and local seafood spots
1. Pro: Beautiful coastal location
Oxnard is located along the Pacific Ocean, with miles of beautiful beaches and scenic coastal views. Residents enjoy easy access to the beach for activities like surfing, swimming, and sunbathing. Popular beaches such as Oxnard Beach Park and Silver Strand Beach make coastal living a major perk for Oxnard locals.
2. Con: High cost of living
The cost of living in Oxnard is higher than the national average, primarily due to housing and general living expenses. With its desirable coastal location, the median sale price for a home in Oxnard is around $752,500, and average rent for a one-bedroom apartment in Oxnard is approximately $2,550 per month. Beyond housing, other expenses like groceries, dining, and utilities also tend to be more costly compared to other areas, reflecting the city’s upscale lifestyle and demand.
Although salaries in the area can help offset some of these costs, many residents still find it challenging to balance finances, save, or afford discretionary spending in such a high-cost environment.
3. Pro: Mild Mediterranean climate
Oxnard’s climate is one of its main attractions, with mild temperatures year-round and plenty of sunshine. The city’s Mediterranean climate means comfortable, warm summers and cool, mild winters, which is ideal for those who enjoy spending time outdoors without extreme weather conditions.
4. Con: Traffic congestion
Oxnard is located along major highways, including the 101 Freeway, which can experience heavy traffic, especially during rush hours. For residents commuting to nearby cities or Los Angeles, traffic congestion can lead to longer travel times and daily commuting challenges.
5. Pro: Access to outdoor recreation
With its beaches, parks, and proximity to the Channel Islands, Oxnard offers plenty of outdoor recreational opportunities. Residents can enjoy water sports, hiking, biking, and boating, with natural spots like the Channel Islands National Park just a short ferry ride away.
Popular outdoor recreation areas in Oxnard
Channel Islands Harbor
Oxnard Beach Park
Silver Strand Beach
Mandalay State Beach
Channel Islands National Park
6. Con: Limited nightlife options
Oxnard has a more relaxed atmosphere, and its nightlife options are limited compared to larger cities like Los Angeles. While there are local bars and restaurants with evening entertainment, residents seeking a vibrant nightlife may need to travel to nearby cities for more options.
7. Pro: Strong agricultural roots
Oxnard’s economy is deeply rooted in agriculture, with strawberries being one of the city’s largest crops. The city is known for its agricultural production, and farmers’ markets are popular among locals. The annual California Strawberry Festival celebrates this heritage and offers a fun community event for residents.
8. Con: Higher-than-average commute times
Many Oxnard residents commute to nearby cities for work, with average commute times often above the national average. The 101 Freeway, a main route to and from the city, can become congested during peak hours, leading to extended travel times.
Popular cities and their average commute times from Oxnard
Ventura: ~15 minutes
Thousand Oaks: ~30 minutes
Santa Barbara: ~45 minutes
Los Angeles: ~1 hour 15 minutes
Santa Monica: ~1 hour
9. Pro: Rich cultural diversity
Oxnard is known for its cultural diversity, with influences from Hispanic, Asian, and European communities. This diversity is reflected in the city’s cultural festivals, events, and culinary scene. The mix of cultures contributes to a vibrant and inclusive atmosphere.
10. Con: Air quality issues
As part of Ventura County, Oxnard occasionally experiences poor air quality due to traffic emissions and seasonal factors. The city’s proximity to Los Angeles and agricultural activities can contribute to air quality concerns, particularly during warmer months.
11. Pro: Community-oriented amenities
Oxnard offers numerous community-oriented amenities, including parks, recreational centers, and sports leagues. The city hosts a variety of community events and provides recreational programs, creating a welcoming environment for residents of all ages.
12. Con: Limited public transportation
Public transportation options in Oxnard are limited, with the local transit system offering a few bus routes and Metrolink trains to Los Angeles. However, many residents still rely on personal vehicles for commuting, which can be inconvenient for those without access to a car.
Oxnard transportation scores
Walk score: 57
Transit score: 35
Bike score: 51
13. Pro: Proximity to Channel Islands
One of the unique benefits of living in Oxnard is its close proximity to the Channel Islands, a group of islands off the coast known for their natural beauty and biodiversity. Residents can easily take a short ferry ride to Channel Islands National Park for hiking, camping, and wildlife watching.
14. Con: Limited affordable housing options
Despite being more affordable than Los Angeles, Oxnard’s housing market is competitive, with limited affordable options. The city’s coastal location and demand for housing have contributed to higher real estate prices, making it challenging for some residents to find affordable housing options.
The small town of Leverett, Massachusetts, has only about 1,800 inhabitants, according to Wikipedia. And the sprawling estate at 113 Juggler Meadow Road could probably fit most of them.
The legendary residence, one of the most unique homes in the entire state of Massachusetts, spans nearly 60 tranquil, park-like acres about 2 hours outside of Boston.
It has a mindboggling 120,000 square feet of living space spread across eight separate structures, with 16 bedrooms and 25 bathrooms split between them.
Yet it’s not its size or grandeur that captured headlines (and millions of video views) over the past year, since it was first listed.
The megamansion, which was built for Yankee Candle founder Michael Kittredge II, has an out-of-this-world amenity roster, one that includes an indoor water park, a 50,000-square-foot spa, a bowling alley, a two-story arcade, and a private concert venue, to name just a few of its over-the-top features.
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A unique Massachusetts listing
Photo credit: Surette Media Group / Douglas Elliman
Located approximately two hours west of Boston, the Western Massachusetts property is listed with the leading Sarkis Team at Douglas Elliman, with George Sarkis and Johnny Hatem Jr. in charge of finding a buyer.
But that’s not the easiest of tasks, as highly customized homes — built to match their intended owner’s vision for the place — can take years to find the right buyer, one that shares the initial occupant’s vision.
We’ve seen that happen to Neverland Ranch, which took many years (and quite a few price adjustments) before finally landing a buyer, and with other iconic properties that were heavily customized to meet their owner’s unique needs and wants.
It has a total of 16 bedrooms and 120,000 square feet of living space spread across 8 structures
Photo credit: Surette Media Group / Douglas Elliman
Let’s try to pin down everything this property has to offer:
Land: 57.88 acres
Structures: a 5-bedroom main house, a clubhouse, a spa, a pool cabana, two guest houses, and two car barns
Square footage: 120,000
Bedrooms: 16
Bathrooms: 25 (13 full, 12 half baths)
Notable amenities: 4 tennis courts, 2 car barns, a 9-hole golf course, an indoor water park, a full-size auditorium, a stage equipped with state-of-the-art audio-visual systems, a two-story arcade, and a 55,000-square-foot spa.
Plus an amenity roster that makes it a bona fide “playground for adults”
Photo credit: Surette Media Group / Douglas Elliman
The property, which you may have seen in MrBeast’s viral video, “$1 vs $100,000,000 House!” (watched by over 288 million people), has an amenity roster that would put an amusement park to shame. Youtube commenters even hailed it as “undoubtedly the most beautiful house I’ve ever seen”.
But before we delve into its many fun additions, it’s worth taking a moment to appreciate the house that anchors the property.
The sprawling main house
Photo credit: Surette Media Group / Douglas Elliman
Originally built in the 1980s, the massive main house spans 25,000 square and features 5 bedrooms, 6 full baths and 5 half bathrooms, and a total of 11 fireplaces — some of which are located in the generously sized bathrooms.
It has several living rooms including a grand, two-story one
Photo credit: Surette Media Group / Douglas Elliman
There’s no shortage of places for the family to gather in this megamansion, with several living rooms to pick from. The most impressive one is the two-story great room, with its massive proportions, soaring ceiling, balconies, and opulent yet comfy furnishings.
With several lounging areas and a wet bar
Photo credit: Surette Media Group / Douglas Elliman
The great room has several lounging areas, with the main one set around the fireplace. Other ones enjoy a more intimate setting, placed under the balconies, and there’s also a wet bar in the room.
And a covered veranda overlooking the grounds of the house
Photo credit: Surette Media Group / Douglas Elliman
Our favorite part of this grand space though? The light-flooded covered veranda with seating arranged around the windows and a formal round table in the middle, right under an intricate chandelier.
An oversized kitchen with cathedral ceilings
Photo credit: Surette Media Group / Douglas Elliman
Clearly built to accommodate a whole suite of chefs (and their teams) to prepare food for large-scale events, the oversized kitchen — measuring almost 1,000 square feet — features cathedral ceilings with a skylight and windows letting natural light in.
An oval office
Photo credit: Surette Media Group / Douglas Elliman
Surrounded by windows lined with desks and with a large mural looming over the stately desk at the center of the room, this is far from your regular home office.
There are two dining rooms in the main house
Photo credit: Surette Media Group / Douglas Elliman
Based on whoever the future owners are having over for dinner that night, they can choose between two dining rooms: a more traditional, main-floor dining room with a candle-clad chandelier and millwork or a more casual, lower-level dining room situated right next to one of the wine cellars (there are two of those as well).
And lots of in-house amenities, including two “grotto-like” wine cellars
Photo credit: Surette Media Group / Douglas Elliman
The lower level of the house comes with its own set of amenities, including two “grotto-like” wine cellars with rustic appeal.
Standout amenities include a two-story arcade
Photo credit: Surette Media Group / Douglas Elliman
One of the property’s most unique amenities is the two-story arcade with pinball machines, slots, countless arcade games, carnival-style skee-ball, and everything you might need to entertain kids and adults alike.
A three-lane bowling alley
Photo credit: Surette Media Group / Douglas Elliman
There’s even a three-lane bowling alley for when the arcade fun wears off.
See also: Celtics MVP Jaylen Brown parting ways with stylish $4.75M Boston penthouse
A massive indoor water park
Photo credit: Surette Media Group / Douglas Elliman
But the largest — and arguably most entertaining — attraction is the magical indoor water park with a large free-form pool, slides, waterfalls, and palm trees.
With a sizable structure reminiscent of the Bellagio
Photo credit: Surette Media Group / Douglas Elliman
There’s even a huge indoor structure reminiscent of the Bellagio Hotel in Las Vegas. Because why travel to Vegas when you have world-class entertainment in-house?
An indoor tennis court that doubles as a concert venue
Photo credit: Surette Media Group / Douglas Elliman
And since we’re talking world-class entertainment, the Massachusetts mansion comes with a 4,000-square-foot indoor tennis court (to complement the three outdoor ones) that doubles as a concert venue.
With a bar and lounging area with a fireplace
Photo credit: Surette Media Group / Douglas Elliman
A sizeable bar lines one wall of the concert venue, with another seating area on the other side, where guests can watch the tennis match — or sit comfortably during a concert.
According to Boston.com, this space has seen private performances by bands like Hall & Oates, The Doobie Brothers, KC and The Sunshine Band, and more.
Two car barns filled with Lamborghinis
Photo credit: Surette Media Group / Douglas EllimanPhoto credit: Surette Media Group / Douglas Elliman
So admittedly, the Lamborghinis and the rest of the luxe cars pictured here don’t come with the house. But they do a great job showcasing the impressive car barns on the property, specifically built to house a showstopping car collection similar to that of the current owner.
A clubhouse
Photo credit: Surette Media Group / Douglas Elliman
The clubhouse comes with another 4 bedrooms, 2 bathrooms, and a full kitchen, plus ample space to entertain guests outside.
With a pool and two cabanas
Photo credit: Surette Media Group / Douglas Elliman
Right outside it, a pool with ample lounging options and two pool cabanas offer a serene space to unwind.
Two lovely guest houses
Photo credit: Surette Media Group / Douglas Elliman
There are also two guest houses on the grounds of the estate.
And a 9-hole golf course
Photo credit: Surette Media Group / Douglas Elliman
Golfing enthusiasts would have lots of fun here too, as there’s a 9-hole golf course plus select rooftops lined with putting green.
Now with a revised asking price of $14,900,000
Photo credit: Surette Media Group / Douglas Elliman
Originally listed for a staggering $23 million, the home has seen a few price cuts since first listing and is now looking to fetch $14,900,000. And, based on what we’ve seen so far, it’s worth every penny.
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If you have a credit card with purchase protection, you may be able to replace an item you paid for with your card should it get damaged, lost, or stolen. Among the sea of valuable credit card perks, purchase protection is one that often gets overlooked but can be a real perk.
However, there are restrictions on what is and isn’t covered under credit card purchase protection, which is why it’s important to understand how it works. You’ll also want to know the pros and cons of credit card purchase protection to determine if it’s the right path for you.
Key Points
• Credit card purchase protection acts as insurance for items bought with a credit card, covering them if lost, stolen, or damaged within a specified period.
• The protection period usually lasts between 90 to 120 days, with varying coverage limits depending on the card issuer.
• Purchase protection serves as secondary coverage, requiring primary insurance claims to be filed first.
• Exclusions often include motorized vehicles, antiques, perishable items, and items purchased for resale, and filing a claim requires specific documentation.
• Understanding the terms and conditions of purchase protection is crucial for maximizing its benefits and determining its suitability for individual needs.
What Is Credit Card Purchase Protection?
Also known as purchase insurance or damage protection, credit card purchase protection is a type of credit card protection. If you have a purchase protection credit card, the credit card issuer might help you replace a stolen, lost, or damaged item that you bought using the card.
Purchase protection doesn’t last forever though — there are generally limits on the duration of the protection period and the coverage amounts. Also note that purchase protection serves as secondary coverage. This means that you must first file a claim with your primary insurance, and then purchase protection may kick in to cover any remaining amount.
Recommended: Does Applying For a Credit Card Hurt Your Credit Score?
How Does Credit Card Purchase Protection Work?
As mentioned, purchase protection only applies to items that you paid for with your credit card. Not all instances of theft or damage are covered.
The protection period offered by cards with purchase protection can last anywhere from 90 to 120 days after the purchase is made. Coverage limits and terms also can vary. For instance, a credit card might have $500 cap per claim, with a maximum benefit of $50,000 per account.
Some card issuers extend this credit card advantage to recipients of gifts that you purchased using the card. For instance, if you bought a computer for your son for his birthday, he may be able to file a claim to get it replaced if it’s covered by purchase protection.
Understanding How to Use Credit Card Purchase Protection
If, for example, the screen on the cell phone you purchased with your credit card shatters, and the incident occurs within your credit card’s purchase protection time frame, you may be able to take advantage of purchase protection. As noted above, purchase protection is typically secondary, which means that if you have primary insurance to cover the item, you must apply there first.
That said, to get coverage, you’d need to file a claim with the credit card. The claim form is usually found on a credit card’s website or listed under “forms” after you log in to your account. If your claim is approved, it typically takes anywhere from 5 to 30 days for you to receive reimbursement for your claim.
What Does a Credit Card’s Purchase Protection Not Cover?
Here’s what credit card purchase protection typically doesn’t cover:
• Items that are excluded under the policy. Each card issuer has varying items that are excluded from coverage. For example, credit card purchase protection may exclude motorized vehicles, perishable items, antique or collectible items, computer software, and items purchased commercially for resale. There are also usually exclusions on the reasons for why you lost or damaged an item — for instance, items that were lost or damaged due to acts of war or fraudulent or illegal activity aren’t usually covered.
• Items that mysteriously disappeared. If an object ends up missing with no apparent cause and without evidence of a wrongful act, then that item generally will not be covered by purchase protection.
• Items damaged, lost, or stolen after the protection period. If an item you bought with your credit card was lost, damaged, or stolen after the coverage time window ended — usually past 90 to 120 days — then it won’t be covered.
• Items that are used or pre-owned. Many credit card issuers exclude used or pre-owned items from purchase protection coverage.
What Does a Credit Card’s Purchase Protection Cover?
As discussed, the terms, items included, and coverage amounts provided vary by credit card issuer. For the most part, a credit card’s purchase protection covers items that were unintentionally lost, stolen, or damaged within a specified protection period.
You’ll also want to mind the cap per claim and per account. Your coverage limits may apply by account or by year. For example, you might have a cap of $500 or $1,000 per claim, and be limited to making $50,000 in claims per account you own.
Read your credit card’s terms and conditions to see what exactly is included under purchase protection and what coverage limits apply. This can also provide other valuable information to credit card holders, such as how credit card payments work.
Recommended: When Are Credit Card Payments Due?
Pros and Cons of Credit Card Purchase Protection
Here’s an overview of the advantages and disadvantages of credit card purchase protection:
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Pros:
• Built-in protection with your credit card
• No deductible
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Cons:
• Coverage limits generally apply
• May take longer or require more steps than primary insurance
Pros
Here’s a closer look at the upsides of credit card purchase insurance:
• Built-in protection with your card. Probably the most significant advantage of credit card purchase protection is that it is essentially free insurance that comes with your card. As long as an item is covered under your card’s purchase policy, and you file a claim without the protection period, you typically can get some help replacing a lost, damaged, or stolen item, rather than driving up your credit card balance covering the cost.
• No deductible. Unlike primary insurance, you might not need to pay a deductible to get your eligible claim reimbursed.
Cons
Here are the downsides of purchase protection to be aware of:
• Limits. As insurance usually goes, there are coverage caps per claim and per account or year. You’ll need to check with your credit card issuer to determine the limits for your purchase protection policy.
• May take longer than primary insurance. The time to file a claim and get reimbursed could take longer compared to the turnaround for primary insurance. That’s because purchase protection is secondary coverage, meaning you’ll usually have to go through your primary insurance first, whether that’s homeowners, auto, or rental insurance.
Recommended: What Is the Average Credit Card Limit?
Filing a Credit Card Purchase Protection Claim
Here are the steps you’ll need to take to file a claim for purchase protection:
1. Review your card’s policies to see if the item is covered. Before moving forward with filing a credit card purchase protection claim, it’s smart to take a moment to make sure the item qualifies. Also remember that you’ll need to make at least your credit card minimum payment, even while waiting for a response.
2. Fill out a claim form. This is usually found on the credit card issuer’s website or through your account after you log in. It’s recommended to file a claim as soon as you can. Keep in mind that credit cards typically have a time frame in which you can file a claim after the incident, usually within 30 to 90 days.
3. Provide requested documents. When you file your claim, you’ll generally need to provide the following documents:
◦ A copy of the credit card statement that includes proof of purchase
◦ An itemized original receipt showing the purchase
◦ A copy of your insurance claim and insurance declaration page (if you have primary insurance)
◦ A police report (if the item was stolen)
Recommended: Tips for Using a Credit Card Responsibly
Other Types of Credit Card Protection
Beyond purchase protection, there are other types of protection commonly offered through credit cards. These include:
• Return protection: This perk allows you to return an item, even when the retailer has a no-return policy. While some cards do offer return protection, other cards have phased it out in recent years.
• Price protection: Should you buy something and the item then drops in price within a specific period, price protection will kick in and match the lower, advertised price. Depending on the card, the time frame during which this applies might range from 30 to 60 days. You might get refunded up to a certain amount for specific types of purchases, though price protection usually has limits per item and per year.
• Extended warranty protection: Instead of hopping on a retailer’s pricey service plan or opting for extended warranty at the checkout register, you might be able to take advantage of a credit card’s extended warranty protection. This protection matches the terms of your manufacturer’s warranty. However, it usually extends protection for up to a year, and some cards will even double the manufacturer warranty.
Beyond these protections, credit cards can offer an array of other perks, such as credit card travel insurance and credit card rental insurance, among others.
Recommended: Can You Buy Crypto With a Credit Card?
The Takeaway
Credit card purchase protection can be a valuable perk if a card offers it. The built-in insurance offered by purchase protection can save you should an item you bought with your card get lost, stolen, or damaged, provided the situation meets the eligibility criteria.
Whether you’re looking to build credit, apply for a new credit card, or save money with the cards you have, it’s important to understand the options that are best for you. Learn more about credit cards by exploring this credit card guide.
FAQ
Do all credit cards offer purchase protection?
Not all credit cards offer purchase protection. In fact, cards offering this perk have become less common in recent years.
How do you get your money back from a credit card purchase?
You’ll need to file a claim and provide requested documents, such as a receipt, a copy of your credit card statement, and in some instances, a police report or proof of primary insurance. Once your claim has been approved, you can expect reimbursement within 5 to 30 days.
Is there a time limit on credit card purchase protection?
Yes, there’s a time window after you’ve made the purchase during which purchase protection applies. This is usually 90 to 120 days. There’s also a time limit as to when you can file a claim after the incident, which can be anywhere from 30 to 90 days. It’s best to file a claim as soon as possible.
Photo credit: iStock/filadendron
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
This content is provided for informational and educational purposes only and should not be construed as financial advice.
Looking for the best jobs where you can be your own boss? Being your own boss and running a small business can be exciting and rewarding. You get to make your own choices and set your own schedule. Many people dream of having this freedom in their work life. I’ve been my own boss for…
Looking for the best jobs where you can be your own boss?
Being your own boss and running a small business can be exciting and rewarding. You get to make your own choices and set your own schedule. Many people dream of having this freedom in their work life.
I’ve been my own boss for over 10 years, and I absolutely love it. I’ve had the freedom to work when I want, where I want, and to focus on the projects that excite me the most. It hasn’t always been easy, but the rewards of working for myself have been worth it.
If you’re looking for a job where you can be your own boss, there are so many great options out there too!
Best Jobs Where You Can Be Your Own Boss
Below are the best ways to be your own boss.
1. Blogger
Being a blogger might be perfect for you if you want to work from anywhere and be your own boss. As a blogger, you write articles about topics you like and post them online.
You can choose the niche you write about – such as travel, personal finance, lifestyle, food, family, home, and more. It’s all about writing high-quality content that your readers will benefit from and enjoy.
When I first started blogging, I never imagined it would grow into the career I have today. I’ve had the freedom to write about things that I’m passionate about while building an amazing community of readers. It’s been one of the best ways to express my creativity and connect with others who share my interests. Plus, I get to work from anywhere – whether I’m at home or traveling – which is such a huge positive!
You can learn how to start a blogging business in my How To Start A Blog FREE Course. I have taught over 80,000 people how to start a blog with this free course.
2. Printables creator
If you want to be your own boss and also work from home, then you may want to try selling printables on Etsy.
Printables are digital files that customers buy and print themselves. You can make all sorts of things like planners, wall art, and gift tags.
The best part? You only need to create each design once. Then you can sell it over and over without any extra work.
You don’t need to be super artistic to get started and many people learn as they go. Tools like Canva make it easy to design, even if you’re not a pro.
You can learn more at How I Make Money Selling Printables On Etsy.
Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.
3. Proofreader
Proofreading might be perfect for you if you want to catch mistakes for a living. Proofreaders fix spelling, grammar, and punctuation errors in all kinds of writing.
You can work from home or while traveling. Many proofreaders set their own schedules and choose their projects. This flexibility is great if you have other commitments or just want control over your time.
Writers, companies, and students all need proofreaders to polish their work. You might proofread blog posts, books, ads, or academic papers.
I have a proofreader for this blog, Making Sense of Cents, and I have many friends who have proofreaders as well. They are extremely valuable!
You can learn more at How To Become A Proofreader And Work From Anywhere.
I recommend signing up for the FREE 76-minute workshop where you can learn how to become a proofreader and start a proofreading business. You can sign up for free here.
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This free 76-minute workshop answers all of the most common questions about how to become a proofreader, and even talks about the 5 signs that proofreading could be a perfect fit for you.
4. Bookkeeper
Being a bookkeeper can be a great way to be your own boss because they can work from home with just a computer and internet connection.
Bookkeepers keep track of what a company spends and earns. They might record sales, organize receipts, and make financial reports. Many businesses need bookkeepers, so there’s lots of work available.
You don’t need a college degree to start. With some training, you can learn the skills you need. Online courses can teach you how to use bookkeeping software and manage finances.
Many bookkeepers earn around $40,000 a year or more. You can work part-time or full-time, depending on what you want.
As your own boss, you choose your schedule and clients. You might work with one business or have several, so this job gives you the freedom to work when and where you want.
If you want to learn more, the free workshop How to start a virtual bookkeeping business (and who should do it) is super helpful.
Recommended reading: How To Find Online Bookkeeping Jobs
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This free training will teach you what you need to know to become a virtual bookkeeper and make money from home.
5. Freelance writer
I have been a freelance writer for years and I think it’s a great way to work from home and be your own boss.
Freelance writers create content for all kinds of clients. They could write blog posts, articles, website copy, or even books.
Many businesses need writers to help them reach customers online, so that means there are lots of opportunities to find writing work. You can start small and grow your business over time.
One great thing about freelance writing is the flexibility. You can set your own schedule and work as much or as little as you want. Many writers earn a full-time income working from home or while traveling.
Recommended reading: 14 Places To Find Freelance Writing Jobs – (Start With No Experience!)
6. Graphic designer
Graphic designers create visual content for websites, ads, logos, and more. They might specialize in one area or do a little bit of all different kinds of graphic design. They typically work for themselves and choose their own projects.
I have hired several graphic designers over the years, and they’ve all been their own boss and worked from home.
7. Virtual assistant
A virtual assistant job might be perfect for you if you want to work from home and be your own boss. Virtual assistants help businesses and entrepreneurs with all kinds of tasks online.
I was a virtual assistant when I first started working online as a freelancer, and I loved how I could choose the work I did and my hours. I now have my own virtual assistants who help me in different areas of running my own business.
As a virtual assistant, you could manage emails, schedule appointments, or handle social media accounts. You might also do data entry, create presentations, or help with customer service. The tasks vary depending on what your clients need and what you want to specialize in (you get to choose, of course). They can vary from administrative tasks to being a digital marketer – it just depends on what you want to do.
The pay for virtual assistants can be pretty good too. You might start around $15 to $20 per hour, but experienced VAs can make much more. Some even earn over $10,000 a month!
Recommended reading: Best Ways To Find Virtual Assistant Jobs
8. Litter cleanup business
A litter cleanup business allows you to be your own boss and make money outdoors. Business owners and property managers need their places to look clean and they pay to pick up trash.
You can charge $30 to $50 an hour for this work. All you need are some basic tools like a broom, dustpan, and grabber.
The job is easy and flexible as you’ll typically walk around the property picking up litter in the early morning.
You can learn more at How I Started A $650,000 Per Year Litter Cleanup Business.
9. Online course creator
I created Making Sense of Affiliate Marketing almost 10 years ago as my first online course. Since then, I have earned over $2,000,000 from that single course.
And, I do it all from home and on my own schedule.
Becoming an online course creator might be perfect for you if you want to share your knowledge and skills with others. You can teach almost anything – from cooking to coding to crafts.
Course creators make lessons – either text-based, video-based, or a mixture of the two – create worksheets, and more. They build a course so that others can learn the subject, all from home.
As someone who has created online courses myself, I can say it’s one of the most rewarding ways to share your expertise and help others learn. I’ve met many course creators who started with just a simple idea and turned it into a business that earns thousands of dollars a month. The best part is the flexibility – once the course is created, it can keep generating income with little maintenance.
Recommended reading: How I’ve Made Over $1,000,000 From My First Course Without a Big Launch.
10. Etsy shop owner
Etsy is a great place to sell handmade items, vintage goods, and craft supplies. Etsy shop owners can work from home and set their own hours, so this is one of the best jobs where you can be your own boss if you are a creative person.
You can sell many different types of items on Etsy, such as handmade items (like jewelry or home decor), vintage items (like clothing), printables, personalized items (like monogrammed gifts or custom prints), and more.
Running an Etsy shop gives you creative freedom. You can design your own products and decide how to present them. You’re in charge of pricing, shipping, and customer service.
Many people start Etsy shops as side hustles. Some grow them into full-time businesses. Your income depends on what you sell and how much time you put in.
Recommended reading: How To Sell On Etsy Successfully: A Beginner’s Guide
11. Affiliate marketer
Affiliate marketing is one of my favorite ways to earn income because it’s so flexible.
When I started, I didn’t realize how powerful it could be, but over time, I’ve built a consistent income stream just by recommending products I love. The best part is that it’s passive – once your content is out there with affiliate links, you can keep earning from it without constantly working. It’s a fantastic way to monetize your blog or social media channels and be your own boss.
There are many different types of affiliate products a person could promote, such as anything that is sold on Amazon (books, clothing, electronics, home goods, etc.), digital products like courses or software tools, subscription services (like HelloFresh), cell phone apps, vacations, and more.
If you want to learn more about affiliate marketing, I recommend signing up for Affiliate Marketing Tips For Bloggers – Free eBook.
12. YouTuber
Being a YouTuber can be a fun way to be your own boss. You get to make videos about things you love and share them with people around the world.
YouTubers choose what kind of content to create, such as vlogs, game reviews, cooking tutorials, or anything else that interests them.
They set their own schedule and work from home or wherever they want. All they need is a camera, some basic editing skills, and ideas for videos.
Now, it does take time to start making money as a YouTuber, but you can earn through ads, sponsorships, and selling merchandise.
Recommended reading: How Much Do YouTubers Make?
13. Life coach
Life coaches work with clients to improve their lives and achieve their dreams.
They guide people through tough decisions and help them overcome obstacles. This job lets you set your own hours and work from anywhere.
Life coaches can focus on specific areas like career, relationships, or health. Or you can be a general life coach who helps with all kinds of issues.
Life coaching can be very rewarding. You get to see people grow and succeed because of your help. Plus, you’re in charge of your own business and schedule.
14. Pet sitter
I’ve used pet sitters for my own pets while traveling, and I can see why so many people love this job!
If you’re an animal lover, pet sitting can be a really enjoyable way to earn money while being your own boss. You get to spend time with cute pets and choose when and how often you want to work.
You can work with cats, dogs, and other animals. Pet sitters usually feed pets, walk dogs, and give them attention. Some even stay overnight at the owner’s home.
To start, you might join a pet sitting app or website. These can help you find clients and manage bookings. You can also spread the word to friends and neighbors.
You can make good money as a pet sitter. Some people do it full-time, while others use it as a side job. The more clients you have, the more you can earn.
15. Reselling items
I have resold many items over the years, and when I was younger I even had a small reselling business. I really enjoyed this side hustle and being my own boss!
Reselling can be a fun way to make money. You can start by looking around your house for things you don’t need anymore. Old clothes, toys, or electronics might be worth something to others.
You can also buy items cheap and sell them for more. This is called “flipping.” People have made good money doing this and some even turn it into a full-time job.
Flea markets, yard sales, and thrift stores are great places to find stuff to resell. You might find hidden treasures that others missed. Online marketplaces like eBay or Facebook Marketplace are good for selling.
Recommended reading: How Melissa Made $40,000 In One Year Flipping Items.
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This free workshop will teach you how to get into the flipping business. It will teach you how to resell furniture, electronics, appliances, and anything else you can find.
16. Managing Facebook ads for small businesses
Many small business owners don’t know how to create effective ads on Facebook. That’s where you come in!
By running Facebook ads, you can help businesses find new customers. You’ll create ads that show up in people’s Facebook feeds. These ads can help businesses reach more people who might want to buy their products or services.
I recommend watching the free training How To Start Your Very Own Facebook Ad Agency In 30 Days Even If You’ve Never Written An Ad Before! to learn more.
17. Transcriptionist
Transcription is a job where you can be your own boss. Transcriptionists listen to audio or watch videos and type what they hear. It’s a great way to work from home and set your own schedule.
As a transcriptionist, you can choose when and how much you work. They might transcribe interviews, podcasts, or even TV shows. All they need is a computer, internet, and headphones to get started.
Many companies hire transcriptionists. You can work for one company or find jobs on your own. Some places pay around $15 to $20 per hour, but your speed affects how much you earn.
Recommended reading: 18 Best Online Transcription Jobs For Beginners To Make $2,000 Monthly
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In this free training, you will learn what transcription is, why it’s a highly in-demand skill, who hires transcriptionists, how to become a transcriptionist, and more.
18. Home dog bakery
People love spoiling their dogs. Many want healthy, homemade snacks for their furry friends. That’s where you come in! You can bake yummy dog treats using simple ingredients.
Getting started is easy. You’ll need some baking supplies and dog-safe recipes. Try making a few batches for friends’ pets first. If they’re a hit, you can start selling them.
There are lots of ways to sell your treats. You could set up a booth at local markets or you could sell online through sites like Etsy. You might even team up with pet stores in your area.
You can learn more at How I Earned Up to $4,000 Per Month Baking Dog Treats (With Zero Baking Experience!).
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This free workshop will teach you how to start your own dog treat bakery business.
19. Photographer
Many photographers set their own hours, choose their projects, and earn well over $50,000 a year. But your income can vary based on your skills and the type of photos you take.
You can find work in many ways. Some photographers sell their pictures on stock photo websites like Shutterstock or Adobe Stock. Others take photos for special events like weddings or birthdays.
You might also work with businesses to take product photos or create ads. Real estate photography is another option, where you’d take pictures of homes for sale.
Recommended reading: 18 Ways To Get Paid To Take Pictures
20. Real estate investor
Real estate investors can be their own boss and build wealth through property. They buy houses, apartments, or land to make money.
There are different ways to invest in real estate. Some ideas include:
You could flip houses by buying fixer-uppers, making them better, and selling them for more.
Another option is becoming a landlord. You buy properties and rent them out to tenants. This can give you steady income each month.
If you don’t want to deal with tenants, you might like REITs. These are like stocks for real estate. You invest money and get part of the profits without managing properties yourself.
Short-term rentals through sites like Airbnb can also be profitable. You rent out a room or whole property to travelers.
Recommended reading: 23 Best Real Estate Side Hustles To Make Extra Money
21. Financial advisor
As a financial advisor, you can be your own boss while helping people manage their money, such as by guiding clients on investments, taxes, insurance, and retirement planning.
Many times, financial advisors work from home or set up their own office where clients can meet.
As your own boss, you can choose your work hours and which clients to take on. You’ll have the freedom to specialize in areas you enjoy, like retirement planning or investment strategies.
22. Event planner
Event planners put together special occasions for people and businesses, like parties, weddings, meetings, and more.
As an event planner, you get to use your creativity. You’ll pick venues, decorations, and food that fit each event’s theme. You’ll also manage budgets and work with vendors to make everything perfect.
Being your own boss means you can choose which events to plan. You might focus on weddings or corporate events. Or you could do a mix of different types of events.
23. Personal trainer
As a personal trainer, you can be your own boss and help people get fit by creating workout plans and guiding clients to reach their fitness goals.
Personal trainers might work with clients at a gym or fitness center. Or, you could open your own studio. Some trainers even visit clients in their homes or do everything entirely online.
Setting your own schedule is a big perk. You can choose when to work and how many clients to take on, so this lets you balance work and life the way you want.
24. Real estate agent
Being a real estate agent is one of the best be-your-own-boss jobs. They can set their own schedule and work hours that fit their life.
Real estate agents help people buy and sell homes. They show houses, talk with clients, and handle paperwork.
One great thing about being a real estate agent is the flexibility. You can work part-time or full-time. You can focus on certain types of properties or areas.
25. Web designer
Web designers create website layouts for companies. The website you are reading right now was created by a self-employed web designer, in fact.
Their job involves designing layouts, choosing colors, and making websites easy to use.
Many web designers work from home or their own office. This gives you freedom to set your own hours and work when you’re most productive.
You can choose your clients and projects. This means you can focus on the types of websites you enjoy creating most.
26. Influencer
Being an influencer means you can be your own boss and make a full-time income or extra income. You share content on social media platforms like Instagram, YouTube, or TikTok. Your goal is to build a social media presence (your following) and connect with your audience.
Influencers create posts, videos, or photos about topics they love. This could be fashion, travel, food, or any other interest. You get to decide what to share and when.
Companies may pay you to promote their products to your followers. You might also earn money through sponsorships or affiliate marketing. Some influencers sell their own products or services too (like courses, candles, or clothing).
Being an influencer is a popular self-employed job idea because you get to create your own flexible schedule, you have creative freedom, you can earn multiple income streams, and it also has low start-up costs (you can start for free with just your cell phone!).
27. Translator
Being a translator lets you be your own boss. You can work from anywhere and choose your own hours, and this job is great if you know more than one language really well.
Translators change text from one language to another. They might work on books, websites, or legal papers. Some translators even help with movies and TV shows.
The best part is you can pick projects you like. You can work as much or as little as you want. This gives you control over your work and life.
28. Private investigator
As a private investigator, you can be your own boss and run your own business. This job involves finding information for clients, which can be exciting and rewarding.
Private investigators might look into personal, legal, or financial matters for people or companies. Their tasks could include surveillance, background checks, and searching for missing persons.
This career may be great for you because it has a lot of flexibility in your work hours and the types of cases you take on. You can choose to specialize in areas that interest you, like corporate investigations or insurance fraud.
29. Consultant
Being a consultant can let you be your own boss. You can pick your clients and set your own hours. Consultants give expert advice to businesses in many fields.
You might help with strategy, marketing, or tech issues. Your job is to solve problems and make companies better. You can work from home or travel to meet clients.
To start, you need deep knowledge in your area. Many consultants have years of work experience. Some also have advanced degrees.
30. Handyman
Being a handyman can be a great way to be your own boss. You get to use your skills to fix things and help people with their home repairs.
Handymen do tasks like painting, plumbing, electrical work, or carpentry. You can choose which jobs you want to take on based on your skills and interests.
One big plus of this job is that you can set your own schedule. You decide when and how much you want to work. This gives you lots of freedom and flexibility.
Frequently Asked Questions
Being your own boss can be great, but it takes work. Here are some common questions about self-employment and running a business.
Is being your own boss worth it?
Being your own boss can be very rewarding and I definitely think that it is worth it. You get to make your own schedule and choose your projects. But it also means more responsibility because you have to find your own clients and manage your finances.
What are some high-paying jobs where you are your own boss?
Many self-employed jobs can pay well if you work hard. Some options are web developer, business consultant, real estate agent, freelance writer, blogger, and bookkeeper.
What are some good jobs you can do from home where you’re the boss?
Working from home as your own boss is getting more popular. Here are some ideas of good jobs you can do from home where you’re the boss: virtual assistant, online tutor, graphic designer, social media manager, and blogger. These jobs let you set your own hours and work in your pajamas if you want!
Do you need a degree to be your own boss?
Some self-employed jobs may need a certification or formal education, but some can be started with no experience (from scratch!) or with a small portfolio (to display your past work). While I have three college degrees, I did not need any of them in order to run the business that I own today.
What steps should I take if I want to run a business by myself?
Starting your own business takes planning. Here’s what to do:
Choose a business idea.
Make a business plan.
Set up your finances and get any needed permits.
Create a website and start marketing.
Network and find your first clients.
Now, it does take time to grow a business. Be patient and keep working at it!
Best Jobs Where You Can Be Your Own Boss – Summary
I hope you enjoyed this article on the best jobs where you can be your own boss.
Being your own boss can change your life in many good ways. You can enjoy more freedom and control over your work and money.
When you’re the boss, you decide when to work and whether it’ll be your day job or if you want to only do it on a part-time freelance basis. You can set your own hours and take time off when you need it. This means you can pick up your kids from school or go to the gym in the middle of the day.
I have been my own boss for over one decade and it’s one of the best decisions I have ever made in my life. While being your own boss isn’t for everyone, I know that it’s 100% for me. And, it may be for you as well!
What do you think are the best jobs where you can be your own boss?
Stockton, often known for its rich agricultural roots and Central Valley charm, is a city full of possibilities. With its vibrant cultural diversity, proximity to major cities like San Francisco, and access to the scenic San Joaquin Delta, it’s no wonder Stockton attracts many looking for a blend of urban and rural lifestyles. However, living in this California city also brings its own set of challenges. So whether you’re searching for a cozy apartment in downtown Stockton or an apartment in Brookside, you’ve come to the right place.
In this ApartmentGuide article, we’ll explore the various pros and cons of living in Stockton, helping you decide if this unique Central Valley city is the right place for you.
Fast facts about living in Stockton
Known for: Rich agricultural history and waterways
Fun fact: Stockton is home to the oldest Filipino community in the United States
Population: Approximately 320,000 residents
Average rent: $1,295 per month for a one-bedroom apartment
Median home sale price: $450,000
Public parks: Over 70, including the large Oak Grove Regional Park
Languages spoken: Predominantly English and Spanish
Proximity to San Francisco: About 80 miles southwest
Restaurants: Known for diverse cuisine influenced by the city’s multicultural population
1. Pro: Proximity to major cities
Stockton’s location provides easy access to major cities like San Francisco and Sacramento, which are both within an hour and a half’s drive. This proximity allows residents to enjoy the amenities of these larger cities while benefiting from Stockton’s more affordable lifestyle. Weekend trips to the Bay Area or the state capital are convenient for work, shopping, and entertainment.
2. Con: High cost of living
The cost of living in Stockton is approximately 35% above the national average, making it one of the more expensive places in California’s Central Valley. Housing costs, in particular, contribute significantly to the higher living expenses, with the median sale price for a home in Stockton around $450,000 and average rent for a one-bedroom apartment in Stockton around $1,295.
Daily expenses like dining out, groceries, and utilities are also pricier than in other parts of the country. While Stockton’s cost of living remains more affordable than larger metropolitan areas in California, residents still may find it challenging to save money, manage discretionary spending, and cover all expenses comfortably.
3. Pro: Rich cultural diversity
Stockton boasts a diverse population, with strong influences from Filipino, Mexican, and Southeast Asian communities. This diversity is celebrated through cultural festivals, events, and a variety of ethnic restaurants. The city’s multicultural atmosphere creates a vibrant, inclusive community with a mix of traditions and cultures.
4. Con: Air quality issues
The Central Valley, where Stockton is located, often experiences air quality issues due to agricultural activities, vehicle emissions, and weather patterns. Residents with respiratory conditions may find that air quality varies throughout the year, particularly in the summer months when air quality advisories are more common.
5. Pro: Access to waterways and outdoor recreation
Stockton is located along the San Joaquin Delta, providing residents with access to rivers, marinas, and boating opportunities. Outdoor enthusiasts can enjoy fishing, kayaking, and paddleboarding in the area’s waterways. The city’s location also offers easy access to nearby hiking and camping areas in the Sierra Nevada foothills.
Popular outdoor recreation areas in Stockton
Oak Grove Regional Park
Mossdale Crossing Regional Park
Buckley Cove Park
Linden’s Bellota Park
San Joaquin Delta waterways
6. Con: Limited nightlife options
Stockton’s nightlife scene is relatively limited compared to larger California cities. While there are local bars, restaurants, and occasional live music events, those looking for a bustling nightlife may need to travel to nearby cities like Sacramento or the Bay Area for more variety.
7. Pro: Thriving agricultural industry
Stockton is located in one of the most fertile regions of California, making agriculture a significant part of the local economy. Farmers’ markets and local produce stands are abundant, offering fresh fruits, vegetables, and locally-made goods. This agricultural heritage not only provides local food options but also boosts the local economy.
8. Con: Hot summer temperatures
Stockton experiences hot, dry summers, with temperatures often reaching the high 90s and occasionally exceeding 100°F. The extreme heat can make outdoor activities uncomfortable, particularly in July and August. Many residents rely on air conditioning to stay comfortable, which can lead to higher utility bills during peak summer months.
9. Pro: Strong community spirit
Despite its challenges, Stockton has a resilient and close-knit community spirit. The city hosts numerous events, including the Stockton Asparagus Festival and other community gatherings, which bring residents together. This strong sense of community contributes to Stockton’s unique charm.
10. Con: Limited public transportation options
Public transportation in Stockton is limited, with the San Joaquin Regional Transit District (RTD) providing bus service. However, the system may not cover all areas comprehensively, and most residents rely on personal vehicles for commuting and daily activities. Those without access to a car may find transportation options restrictive.
Stockton transportation scores
Walk score: 44
Transit score: 25
Bike score: 52
11. Pro: Educational opportunities
Stockton offers a variety of educational opportunities, with institutions like the University of the Pacific and San Joaquin Delta College providing higher education options. The city also has several public and charter schools, making it a viable option for students prioritizing education.
12. Con: Flooding risk
Given its location near the San Joaquin Delta, Stockton faces occasional flooding risks, especially during heavy rain seasons. While the city has taken measures to manage and control flooding, residents in certain areas may still need to consider flood insurance and preparedness.
One of the top tax benefits available to real estate investors is depreciation, the income tax deduction that comes from spreading out the cost of a property over the time that you use it and deducting a portion of its cost each year. Cost segregation, in turn, is a tax strategy that can be used to accelerate depreciation deductions — so it’s definitely worth knowing about.
Keep reading for a look at how cost segregation in real estate works and if this often-overlooked planning tool might make sense for you.
Key Points
• Cost segregation allows property owners to categorize components of their investment property into shorter depreciation periods, potentially enhancing tax savings.
• Conducting a cost segregation study identifies property components that may be eligible for reclassification.
• Properties with numerous reclassifiable components, like commercial real estate, often benefit significantly from cost segregation.
• Compliance with IRS guidelines is essential, and detailed documentation is necessary.
• It’s best to work with a tax professional who has experience with cost segregation to ensure accurate asset reclassification and maximize tax savings.
Definition of Cost Segregation
Cost segregation is a tax planning tool used by businesses and those who invest in real estate to accelerate depreciation deductions on certain parts of their properties.
Basic Concept
Instead of using just one or two categories (or asset classes) to calculate the depreciation on a property for income tax purposes, cost segregation separates the property into multiple categories, some of which have shorter depreciation periods. This allows property owners to claim a larger portion of their depreciation deduction sooner, which can lower their tax liability and increase their cash flow. (Remember to consider the full list of possible tax strategies as an investment property owner, including offsetting rental income with deductions such as the mortgage interest deduction.)
First-time homebuyers can prequalify for a SoFi mortgage loan, with as little as 3% down.
Questions? Call (888)-541-0398.
Purpose in Real Estate Investing
home mortgage loan may think about exploring cost segregation to capture tax benefits to counteract those monthly payments. (They may also want to read up on how to avoid capital gains taxes on real estate.)
Cost segregation analysis puts additional categories beyond land and building into the mix, which means some parts of the property (certain fixtures, site improvements, or equipment, for example) may be depreciated over a shorter period of time (typically five, seven, or 15 years). This can give owners the ability to take larger deductions sooner, which can result in substantial tax savings, potentially accelerating the return on investment and boosting the overall financial performance of the investment.
Recommended: Amortization vs. Depreciation
How Cost Segregation Works
Cost segregation analysis requires identifying and reclassifying building components into categories that have shorter depreciation periods for tax purposes. This can allow real estate investors to accelerate the depreciation deductions for these specific items and lower their tax liability earlier in their ownership of the property.
For example, plumbing fixtures, furniture, equipment, and other components that aren’t permanently attached to the building could potentially be classified as personal property and depreciated over five years instead of 27½ or 39 years. Site improvements (such as landscaping, paving, and fencing) could be classified as land improvements and depreciated over 15 years. These tighter timelines can allow an owner to take advantage of available tax breaks sooner rather than later.
Recommended: Buying a Foreclosed Home
Cost Segregation Study Process
Usually, the first step in deciding if and how to use cost segregation is to hire a financial firm (preferably one with expertise in engineering and tax law) to perform a cost segregation study on your building and its systems. What is a cost segregation study? Your team will:
• Analyze your property to determine which components can be separated into categories with shorter depreciation periods.
• Use documentation — such as home inspection reports, a recent property appraisal that shows how much the house is worth, closing documents from the property sale, and other relevant records — to inform and support their decision-making.
• Prepare a report that shows you how much you might save on taxes by implementing a cost segregation strategy.
You can then use this information for tax planning and preparation purposes.
Benefits of a Cost Segregation Study
The goal of cost segregation is to reduce your tax liability so you can put that money back into your business, perhaps with improvements or by taking out another investment property mortgage. But a cost segregation study may offer other advantages, as well. Here’s a breakdown of the benefits a professional cost segregation analysis may provide:
• Increasing tax savings by reducing the depreciation period for certain assets.
• Increasing cash flow and improving the overall return on investment by accelerating depreciation deductions.
• Improving asset management and offering a more accurate accounting of the property’s assets and their value.
• Finding other potential tax credits and incentives.
• Ensuring compliance with tax laws and IRS regulations.
Types of Properties Suitable for Cost Segregation
Cost segregation could be a useful strategy for a wide range of real estate investments. But it can be especially well-suited to properties that have specialized equipment, systems, or a significant number of other assets that could be reclassified to a shorter depreciation period, such as:
• Commercial real estate like retail spaces, office buildings, and warehouses
• Rental properties, including multifamily residential buildings
• Resorts and restaurants
• Medical facilities
When Should You Consider Cost Segregation?
Timing can be an important factor when considering a cost segregation strategy. You can order a study at any time, but it may be particularly useful if you’re the owner of a newly constructed building, a recently remodeled or renovated property, or a newly acquired property. This way you can use the information when you file your tax return and maximize the tax savings at a time when you need it most.
Cost Segregation Methods
There aren’t any established requirements for the preparation of cost segregation studies, but according to the IRS, six of the most common approaches include:
• Detailed Engineering Approach from Actual Cost Records: Uses actual records — blueprints, specifications, contracts, job reports, and other construction documents — to determine costs.
• Detailed Engineering Cost Estimate Approach: This is similar to the approach above, but it uses estimated instead of actual costs.
• Survey or Letter Approach: Contractors and subcontractors are contacted to provide information on the cost of specific assets that they installed on a particular project.
• Residual Estimation Approach: This is a shortened method for which only short-lived asset costs are determined. The total amount of these asset costs are subtracted from the total project cost.
• Sampling or Modeling Approach: This method uses a model (or template) to analyze multiple facilities that are nearly identical in construction, appearance, and use.
• Rule of Thumb Approach: This approach generally uses little or no documentation and is based instead on the preparer’s “experience” in a particular industry.
Working with Cost Segregation Professionals
You may find it helpful to use an online calculator to help you estimate how much you’ll save on taxes and to decide if it’s worth proceeding with a cost segregation strategy. But when it’s time to do the actual study, it’s generally not a DIY job. (According to the IRS’s Cost Segregation Audit Technique Guide, the No. 1 element of a quality study is “Preparation by An Individual with Expertise and Experience.”)
Engineering firms, tax advisory firms, construction cost consultants, and some large accounting firms often have a team of specialists that perform this type of work. Or you may be able to find a cost segregation firm that focuses exclusively on providing cost segregation studies.
Costs Associated with Cost Segregation
The price of a cost segregation study may vary significantly depending on several factors. But you can expect to pay anywhere from $5,000 to $30,000 or more based on the size of the property, the assets being analyzed, location of the property, the level of detail in the study, whether the work is done in person or remotely, and the experience and reputation of the firm doing the work. It can be helpful to do some comparison shopping and to get quotes from the firms you think could be the best fit for your goals.
Once you’ve estimated the costs involved, you can decide if the tax and other potential savings are worth the time, effort, and money that will go into a cost segregation study.
IRS Guidelines and Regulations
According to the Cost Segregation Audit Technique Guide, to meet IRS expectations, a taxpayer should submit a “quality cost segregation report” supported by a “quality cost segregation study.” The guide provides an in-depth look at what it takes to meet those expectations and the legal and legislative precedents that got us where we are today. And it stresses that taxpayers must be able to substantiate their asset classifications and depreciation deductions.
The Takeaway
Cost segregation is a complex tax deferral strategy that allows real estate investors to lower their tax bills earlier in their ownership by reclassifying certain parts of their property to shorter depreciation periods. This can help them free up money sooner for reinvestment or other purposes.
You may want to talk to a financial professional about whether cost segregation would benefit you, and how to find the right team to get the process started.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.
SoFi Mortgages: simple, smart, and so affordable.
FAQ
How much can I save with cost segregation?
Several factors can go into determining how much you could save with cost segregation, including the cost of your property, whether you have assets that can be reclassified to a shorter depreciation period, and how much your cost depreciation study costs.
Is cost segregation only for new properties?
A cost segregation may be more efficiently executed for a new property or one that’s been recently renovated. But by using a “look-back” study, the strategy could also be used on a property that you’ve owned for several years.
How long does a cost segregation study take?
It could take the firm you hire one to two months to complete your cost segregation study, depending on the size of your property and how helpful you can be with providing the information and documentation they require.
Photo credits: iStock/
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*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
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This article is not intended to be legal advice. Please consult an attorney for advice.
Ohio strikes the perfect balance between affordable living and big-city perks. From the vibrant streets of Columbus and Cleveland to quiet suburbs, Ohio’s cost of living sits comfortably below the national average, making it a draw for those who want big-city amenities without the high price tag. Whether you’re eyeing a trendy apartment in downtown Columbus or a single-family home in Cincinnati, you’ll find that housing here is affordable across the board. With housing costs low and everyday expenses like groceries and healthcare easy on the wallet, it’s a great place for those looking to get more bang for their buck. Here’s what you need to know about the cost of living in Ohio.
Housing costs: Median home prices and average rent in Ohio
Housing costs in Ohio are a major draw for anyone looking to keep living expenses in check. With an average rent of $1,160, Ohio is well below the national average of $1,645, making it one of the more affordable states for renters. Cities like Cleveland, Cincinnati, and Columbus offer a range of options, from apartments to spacious suburban homes, often at prices significantly lower than what you’d find in other major cities across the country. The state’s relatively low home prices also reflect the affordability of homeownership, with many Ohio cities providing an enticing opportunity for first-time buyers. Overall, the cost of living in Ohio remains refreshingly affordable, allowing both renters and homeowners to enjoy a comfortable lifestyle without breaking the bank.
OH housing costs: Average rents and median home sale prices
City in Idaho
1 Bed Avg. Rent
2 Bed Avg. Rent
Median Home Sale Price
National Average
$1,495
$1,725
$428,000
Akron
$880
$1,130
$142,250
Cincinnati
$1,635
$2,030
$260,700
Cleveland
$1,525
$2,120
$125,000
Columbus
$1,400
$1,750
$280,000
Dayton
$840
$1,120
$134,000
Lorain
$600
$725
$146,500
Middletown
$900
$1,100
$215,000
Springfield
$800
$900
$145,000
Toledo
$800
$960
$130,000
Youngstown
$830
$980
$115,000
Housing costs in popular cities in Ohio
Akron
Known as the “Rubber Capital of the World” due to its historic ties to the tire industry, Akron is an affordable city in northeastern Ohio with a median rent well below the national average. With an average rent of around $880 for a one-bedroom apartment, Akron falls well below both Ohio’s average rent of $1,160 and the national average of $1,645. Homebuyers can also find exceptional value, with a median home sale price of $142,250—a significant contrast to the national median of $428,000. For those looking to get the most out of their housing budget, Akron presents an affordable and well-rounded living environment in the state.
Cincinnati
Cincinnati offers an urban lifestyle with a Midwest twist. Although the city’s housing costs are higher than the state average, with a one-bedroom around $1,635 and a two-bedroom at $2,030, Cincinnati’s amenities and vibrant arts scene make it worth considering. The median home price is approximately $260,700, which is more affordable than the national median, especially given Cincinnati’s mix of riverfront parks, historic districts, and cultural attractions.
Cleveland
With an average rent of $1,525 for a one-bedroom, Cleveland is one of Ohio’s pricier rental markets, but it still sits below the national average. However, homeownership is remarkably accessible, with the median price of homes for sale in Cleveland sitting at just $125,000. Cleveland’s housing affordability, paired with its renowned institutions, draws residents seeking a budget-friendly lifestyle without sacrificing entertainment and amenities. Cleveland’s historic neighborhoods and waterfront access add further appeal, balancing affordability with a dynamic city environment.
Columbus
As the state capital, Columbus offers a balanced cost of living with moderately priced housing and a thriving economy. The average rent here is $1,400 for a one-bedroom apartment and $1,750 for a two-bedroom—both comfortably under the national average but slightly above the average rent in Ohio ($1,160). For those considering buying a home in Columbus, the median sale price here is $280,000, reflecting the city’s growing demand. Known for its diverse neighborhoods, like the Short North Arts District and German Village, Columbus has something for everyone, from students at Ohio State University to young professionals and families.
Toledo
Toledo stands out as one of Ohio’s most affordable cities, especially for renters and homebuyers on a budget. With an average rent of just $800 for a one-bedroom apartment and $960 for a two-bedroom, Toledo offers considerable savings compared to Ohio’s average rent of $1,160 and the national average. Home prices are equally appealing, with a median price of $130,000, making homeownership within reach for many. Located along the shores of Lake Erie, Toledo offers residents waterfront views, a strong industrial base, and a lower cost of living than most Ohio cities.
Utilities are affordable overall in Ohio
When it comes to the cost of utilities in Ohio, residents typically enjoy lower rates than the national average, contributing to an overall affordable cost of living. Ohio’s diverse climate, with cold winters and hot, humid summers, can impact utility bills, especially for heating and air conditioning. Internet services are widely available and competitively priced, often ranging between $50 to $75 per month depending on speed and provider. While costs may fluctuate based on the size of the home and energy usage, Ohio’s utility expenses typically remain manageable, contributing to the state’s appeal as a budget-friendly place to live.
Utility bill comparisons: Ohio cities vs. nationwide average
Monthly Energy Bill
Monthly Phone Bill
Comparison to National Avg.
National Average
$203.40
$194.11
Akron
$149.52
$191.81
-18% less
Cincinnati
$209.37
$188.82
+1% more
Cleveland
$174.43
$189.12
-10% less
Columbus
$212.19
$188.37
+1% more
Dayton
$232.91
$188.37
+8% more
Toledo
$214.01
$189.09
+2% more
Youngstown-Warren
$185.38
$190.22
-6% less
Data from Redfin’s Cost of Living Calculator, November 2024
Grocery costs in Ohio are on par with nationwide averages
Grocery costs in Ohio are closely aligned with national averages, with a slight edge in affordability. Ohioans typically spend about 4% less on groceries each month than the average U.S. household, which might not sound like much but can make a noticeable difference over time. Whether you’re picking up fresh produce at local markets or stocking up at big-box stores, the prices are generally comparable to what you’d find nationwide. This balance in grocery expenses is yet another factor that keeps the cost of living in Ohio reasonable, making everyday essentials accessible without stretching your budget too thin.
Transportation costs are reasonable, keeping the cost of living in Ohio affordable
Transportation costs in Ohio are fairly affordable, with gas prices averaging $2.85 per gallon—well below the national average of $3.09. Vehicle maintenance and registration are generally in line with national averages too, but Ohio’s mild climate can help keep car repairs on the lower end of the spectrum. Public transportation is available in major cities like Cleveland, Columbus, and Cincinnati, where bus routes are the primary mode of transit. However, outside of these urban centers, public transportation options can be limited, so owning a car is often essential. All in all, Ohio’s transportation costs are manageable, especially for those who spend most of their time in the driver’s seat.
Healthcare costs are typically on the lower end in Ohio
Healthcare costs in Ohio can vary depending on your specific needs, coverage, and where you live. The type of insurance you have, whether it’s through an employer or purchased privately, will play a big role in out-of-pocket costs. Additionally, the frequency of doctor visits or dental procedures can impact overall healthcare spending. However, for most residents, healthcare in Ohio tends to be more affordable than the national average, making it an appealing place to live from a cost-of-care standpoint.
When comparing dental and doctor visit costs, Ohio is generally cheaper. The national average for a dentist visit is $115.50, but in Akron, it’s slightly lower at $112.58, and in Columbus, it’s even less, at $94.01. For doctor visits, the national average is $140.46, while Akron residents pay around $118.91, and Columbus comes in at $117.17. These lower costs can ease the financial burden on Ohio residents, especially those needing regular care.
Taxes are manageable in Ohio
If you’re considering a move to Ohio, it’s helpful to understand how taxes might impact your overall cost of living. Ohio’s income tax is progressive, ranging from 2.75% to 3.5%, with additional local income taxes in many cities and municipalities. This can make a noticeable difference depending on where you choose to live. The state sales tax rate is 5.75%, but when you factor in local taxes, the combined rate averages around 7.24%, which will affect your day-to-day purchases. Property taxes are another key consideration for homeowners, with an effective rate of 1.3% on owner-occupied homes—higher than some neighboring states but still manageable. On the plus side, Ohio doesn’t have estate or inheritance taxes, which is a bonus for long-term financial planning. These factors collectively shape the tax burden and play a crucial role in Ohio’s overall affordability.
How much do I need to earn to live in Ohio?
To live comfortably in Ohio, it’s helpful to apply the 30% rule, which suggests that you should spend no more than 30% of your monthly income on housing. With the average rent in Ohio sitting at $1,160, you’d want to earn about $3,866 per month, or roughly $46,400 annually, to stay within that ideal range. However, where you live within the state can make a difference. For example, in Cleveland, a 1-bedroom apartment may cost around $1,525, meaning you’d need to earn closer to $5,083 per month or about $60,990 annually to keep your rent affordable. On the other hand, in Toledo, where rent for a 1-bedroom can be as low as $800, a monthly income of $2,667 or $32,000 per year would meet the 30% rule. So, the cost of housing in Ohio can vary significantly depending on the city, but with the right income, you can live comfortably in most areas of the state.
Methodology
Average 1-bedroom and 2-bedroom rent sourced from Rent. Median home sale price, state average monthly rent, national rent prices, and cost of living data sourced from Redfin.
Your rental is your space, your style. So, why let renting hold you back from creating a space that’s both stylish and comfy?
Whether you’re in Los Angeles or Manhattan, these tips from design pros will help you transform your rental into a chic abode without breaking the bank.
Learn how to make the most of your space, choose the right colors, and pick furniture and decor that will elevate your rental without maxing out your credit card. We’ll show you how to layer textures, add statement pieces, and personalize your space to make it truly yours.
Forget keeping up with the Kardashians when planning how to make your apartment look expensive. It’s time to create a space that’s uniquely you.
1. Space-saving style
Limited space can challenge the creation of a luxurious rental space, necessitating creativity and attention to detail. San Diego-based SD Design Studio recommends versatile furniture like storage ottomans and folding tables. SD Design Studio shares, “To achieve accessible and renter-friendly luxury design on a budget, prioritize versatile decor and smart storage solutions. They also suggest looking for decorative baskets and stylish shelving to keep spaces organized while adding visual interest. Lastly, remember that small details can make a big impact.”
2. Illuminate your home: lighting and furnishing
Lighting and furnishings are two budget-friendly ways to significantly change the atmosphere of your rental space. By strategically incorporating these elements, you can create a personalized and stylish environment.
Plug-in lamps: A great way to add light to any room without having to make any permanent changes. You can find lamps in a variety of styles and colors to match your decor.
Plug-in sconces: These are similar to wall sconces, but they don’t require any wiring. They can be plugged into an outlet and mounted on the wall with adhesive strips or screws.
String lights: String lights are a versatile and affordable way to add light and ambiance to any room. You can hang them from the ceiling, drape them over furniture, or even use them to create a canopy over your bed.
Lanterns: These can be used to add a touch of rustic charm to your home. You can find lanterns in a variety of sizes and styles, and they can be used to hold candles or battery-operated lights.
“Modern lighting technology lets you tailor your space to any mood. Warm hues create cozy evenings, while cool tones energize your days. Personal touches, like family artwork, add style and sentimental value, making your home truly yours.” –Lloyd Lumpkins with L. Lumpkins, Architect INC.
3. Luxurious scents
A home’s scent is often overlooked, yet it can dramatically influence your mood and overall well-being. By strategically incorporating luxurious fragrances into your rental space, you can create an atmosphere that’s both inviting and inspiring.
If you’re looking for ways to make your apartment look expensive, start with some of the same luxurious scents found in 5-star hotels. Whether you prefer the soothing aroma of lavender or the invigorating scent of citrus, there’s a fragrance to suit every taste and mood. By infusing your home with these luxurious scents, you will create a living experience that is truly unforgettable.
“Create a memorable space with a signature scent using diffusers or candles in rich fragrances like sandalwood or bergamot. An accent wall with curated art prints adds personality, while large mirrors reflect light and make the room feel expansive. These easy, renter-friendly upgrades turn any home into a stylish retreat without permanent changes or breaking the bank.” – The Influencer Highrise Team
4. Drape and display: curtains and artwork
A well-designed space can instantly transform your home. You can start with simple yet impactful changes like strategic curtain placement and curated personal artwork.
Joanna O’Brian and Lorye Vandiver, co-owners of Haven Design Studio, suggest using inexpensive sheer panels to soften the windows but mount the rods as close to the ceiling as possible to make the ceiling feel taller. Another innovative tip they shared was to personalize your space with framed artwork.
“Use your favorite travel photos, postcards, or theater playbills; framing them can add a touch of character. Adding a white mat can elevate the look, and grouping smaller pieces together can create a stunning collage wall.” – Joanna O’Brian and Lorye Vandiver, co-owners of Haven Design Studio
5. Can’t knock down walls? No problem!
When renting, you’re limited in the extent to which you can modify the space. Major structural changes, such as knocking down walls or reconfiguring rooms, are typically off-limits. This means you’ll need to get creative with your design choices and focus on more temporary and less invasive alterations.
“If your space is on the smaller side, focus on accentuating the vertical and installing new window treatments. Open up your room without knocking down a wall with mirrors. Find a one-of-a-kind vintage or antique mirror and place it near a window to draw more natural light into your space and create a show-stopping focal point in your room.”Also, replace outdated lighting fixtures or unnecessary ceiling fans with a unique pendant light or chandelier; just make sure you keep the old ones so you can put them back after your lease is over.”— Elizabeth Afendikova Design
Photo courtesy of Elizabeth Afendikova Design
6. Wallpaper magic, no mess
Give your space an instant makeover with peel-and-stick wallpaper or a backsplash. These easy-to-install, removable options let you experiment with bold patterns and colors without the commitment of permanent renovations. Whether you’re looking to add a touch of luxury to your kitchen or a splash of personality to your bedroom, these versatile design elements can transform any space.
“Opt for textures like marble, metallic accents, or geometric patterns to give your home a luxe, custom feel. When it’s time to move, just peel it off — no fuss, no damage! Also, you can swap out basic hardware for chic, modern pieces.”– OfCourse, Interior Design Academy
“For a renter-friendly, luxury look on a budget, try peel-and-stick wallpaper, layered lighting, and invest in vertical storage to maximize space. These affordable, removable upgrades bring a polished feel to any space without the commitment — perfect for renters who want to create a chic, personalized home.” – Wayna World
7. Bring nature indoors
Incorporating elements of nature into your living space can significantly enhance your well-being while making your place look more expensive. Whether it’s a vibrant bouquet of fresh flowers or a collection of potted plants, these natural wonders can breathe life into any room. Not only are they aesthetically pleasing, but they also offer a multitude of benefits for your physical and mental health. Studies have shown that plants can improve air quality by removing toxins, reducing stress, and boosting productivity. By incorporating these natural elements into your home, you can create a serene and revitalizing environment.
“Bringing nature indoors is one of the best ways to enhance your living environment. Placing a vase of fresh flowers and/or potted plants can immediately create an uplifting and positive atmosphere.” – Cove
8. Elevate your space, one knob at a time
A quick and easy way to give your kitchen or bathroom a fresh look is to upgrade your cabinet hardware. Don’t be intimidated by the idea of expensive, custom knobs. You can find stylish and affordable options at your local hardware store. Plus, this simple DIY project doesn’t require a lot of tools, making it perfect for renters and homeowners alike.
“Upgrading your cabinet hardware is an excellent way to improve your interior and put your stamp on a rental property. Not only does it refresh the look of your cabinets, but you can also take your new hardware with you when you move. By choosing a timeless design, you can use them again in the future. Just be sure to store the landlord’s original handles so you can reinstall them when your lease ends!” –The Boutique Handle Co.
9. The power of textiles
Textiles are more than just fabrics; they’re the unsung heroes of interior design. With the power to transform a room, textiles can add warmth, texture, and personality to any space.
Color palette: Choose colors that complement your overall style.
Texture and pattern: Mix and match textures and patterns for visual interest.
Function and durability: Select durable fabrics that are easy to clean and maintain.
Personal style: Let your personality shine through your textile choices.
“High-quality textiles like velvet throw pillows, layered rugs, or multiple layers with bedding linen can elevate a space and create a cozy, refined aesthetic. They’re also easy to swap out when it’s time for a refresh and can even be changed seasonally to add a quick updated look.”– Katie Decker-Erickson with Color Works
“Providing comforts typically expected of a quality hotel, such as premium mattresses, white cotton linens, plush pillows, fluffy towels, and bathrobes, truly elevates the experience, creating memorable, relaxing stays that keep guests returning again and again.” – Ali Gershman, Aspen Vacations: An Interior Talent Partner
Photo courtesy of Elizabeth Afendikova Design
Let’s recap: How to make your apartment look expensive
Your rental is your space, your style. With a little creativity and these expert tips, you can transform your rental into a stylish and comfortable haven. From maximizing small spaces to incorporating the power of scent and the beauty of nature, you can create a space that’s both functional and luxurious-looking, no matter your budget.
Remember, it’s all about personalizing your environment and making it feel like home. So, let your creativity soar and make your rental a reflection of your unique style.
Scottsdale, often called the “Beverly Hills of the Southwest,” is a city of endless sunshine, upscale amenities, and scenic desert landscapes. With its luxurious lifestyle, vibrant neighborhoods, and a strong arts and cultural scene, it’s no wonder many dream of making Scottsdale their home. However, life in this stylish desert city comes with its own set of challenges. So whether you’re searching for a modern apartment in Old Town or a serene apartment in Gainey Ranch, you’ve come to the right place.
In this ApartmentGuide article, we’ll explore the various pros and cons of living in Scottsdale, helping you decide if this desert oasis is the right place for you.
Fast facts about living in Scottsdale
Known for: Upscale shopping, golf courses, and desert scenery
Fun fact: Scottsdale has more spas per capita than any other U.S. city
Population: Over 250,000 residents
Average rent: $1,942 per month for a one-bedroom apartment
Median home sale price: $870,000
Public parks: Over 50, including the McDowell Sonoran Preserve
Languages spoken: Predominantly English and Spanish
Proximity to Phoenix: About 12 miles east
Restaurants: A wide array of fine dining, Southwestern, and international cuisine
1. Pro: Luxurious lifestyle and amenities
Scottsdale is well-known for its high-end lifestyle, offering an abundance of luxury amenities, including upscale shopping districts, world-class spas, and championship golf courses. Popular spots like Scottsdale Fashion Square and Old Town Scottsdale make it easy to find unique shops, restaurants, and entertainment venues, attracting residents who enjoy a touch of luxury in their everyday lives.
2. Con: High cost of living
The cost of living in Scottsdale is 13% higher than the national average, making it one of the more expensive places to live in Arizona. This increased cost encompasses various daily expenses beyond housing. Housing itself is particularly costly, with the median sale price for a home in Scottsdale around $870,000 and average rent for a one-bedroom apartment in Scottsdale about $1,942 per month.
Additionally, dining out, groceries, and utilities are generally more expensive, reflecting the area’s upscale lifestyle and demand. While salaries in Scottsdale can help offset these expenses, many residents still find it challenging to balance finances, save, and afford discretionary spending in such a high-cost environment.
3. Pro: Thriving job market
Scottsdale has a diverse and thriving job market, particularly in sectors like healthcare, technology, hospitality, and finance. The city is home to many major employers and corporate offices, making it an attractive place for job seekers. Its proximity to Phoenix also expands career opportunities, allowing residents access to a broader job market.
Top employers in Scottsdale
HonorHealth
Scottsdale Unified School District
General Dynamics
GoDaddy
CVS Health
4. Con: Extreme summer heat
Scottsdale’s desert climate means long, hot summers, with temperatures often exceeding 100°F. The intense heat can make outdoor activities challenging from June to September, and many residents rely on air conditioning to stay comfortable. Utility bills can also be higher during these months due to the increased need for cooling.
5. Pro: Access to outdoor activities and nature
Scottsdale is a paradise for outdoor enthusiasts, with numerous parks, trails, and nature preserves. The McDowell Sonoran Preserve offers miles of hiking and biking trails, while nearby desert landscapes provide stunning scenery for camping, rock climbing, and off-roading. With mild winter temperatures, Scottsdale is perfect for year-round outdoor adventures.
Popular outdoor recreation areas in Scottsdale
McDowell Sonoran Preserve
Pinnacle Peak Park
Camelback Mountain
Papago Park
Lake Pleasant
6. Con: Limited public transportation
Public transportation options in Scottsdale are limited, with the Valley Metro bus system covering some areas but lacking a comprehensive network. Most residents rely on personal vehicles for commuting and errands, which can add to traffic congestion, especially during peak hours. Scottsdale is a car-dependent city, which can be inconvenient for those without access to a vehicle.
Scottsdale transportation scores
Walk score: 32
Transit score: 23
Bike score: 56
7. Pro: Peaceful, well-maintained neighborhoods
Scottsdale is known for its peaceful, well-maintained neighborhoods, which adds to its appeal for residents looking for a serene environment. The city invests heavily in community upkeep, evident in its clean streets, attractive residential areas, and high-quality public facilities. This commitment to maintaining a welcoming atmosphere makes Scottsdale a highly desirable place to live.
8. Con: High utility costs
Due to the extreme summer heat, Scottsdale residents often experience high utility bills, especially for air conditioning. Arizona’s utility rates can also be higher than the national average, making energy costs a significant expense, particularly during the hot summer months.
9. Pro: Vibrant arts and cultural scene
Scottsdale has a lively arts and cultural scene, with numerous galleries, theaters, and museums. The Scottsdale Arts District, Scottsdale Museum of Contemporary Art, and events like the Scottsdale ArtWalk and the Scottsdale Culinary Festival bring together artists, chefs, and performers, enriching the cultural fabric of the city.
10. Con: Tourist crowds during peak season
Scottsdale attracts tourists year-round, especially during winter when people flock to Arizona to escape colder climates. While tourism benefits the local economy, it can lead to crowded restaurants, busy streets, and limited parking, which can be an inconvenience for residents.
11. Pro: High-quality healthcare facilities
Scottsdale has excellent healthcare facilities, including top-rated hospitals, medical centers, and specialized clinics. The city’s proximity to Phoenix further enhances access to quality medical care, making Scottsdale a convenient location for residents with healthcare needs.
12. Con: Limited affordable housing options
Scottsdale’s high real estate prices make it challenging to find affordable housing, particularly for first-time homebuyers and renters on a budget. The city’s upscale reputation and competitive housing market often result in a lack of affordable options, which may push some prospective residents to look in neighboring areas.
13. Pro: Excellent school system
Scottsdale’s schools are highly rated, attracting individuals seeking quality education. The Scottsdale Unified School District and various private and charter schools offer top-notch educational opportunities, making it a desirable location for those prioritizing education.
14. Con: Limited greenery and natural shade
While Scottsdale offers beautiful desert landscapes, the city has limited greenery and natural shade due to its arid climate. Outdoor spaces and residential areas often feature xeriscaping to conserve water, which can lack the lush, shaded greenery found in other climates. This can make summer outdoor activities challenging without ample shade.
With 2024 soon coming to an end, this seems like the perfect time to take a look back at the year that passed and single out some trends that defined it.
While people have understandably taken a step back from obsessing about their homes — after a whirlwind 2020 and the work-from-home years that followed sent us all on a craze to perfect our spaces — the internet is still bustling with ideas on how to best decorate our interiors.
Instagram, TikTok, and other social networks are chock-full of videos and aspirational photos inspiring their users on how to make their homes more stylish and inviting.
But which interior design styles are people hooked on nowadays? What are the design trends that people are looking at the most for inspiration?
A recent study by Highland Cabinetry analyzed the 30 most common interior styles to identify the ones that are the most trending online — incorporating Google searches, Instagram posts as well as TikTok hashtags in their research. And their findings weren’t all that surprising.
Contemporary design is the most popular style
Photo credit: R ARCHITECTURE on Unsplash
With a staggering 1.5 billion views on TikTok and 309,700 monthly searches on Google, contemporary interiors are by far the most popular ones.
Characterized by clean lines, natural materials, and attention to detail, this interior design style incorporates elements of other styles, such as modernism, minimalism, Art Deco, and bohemian, to create a distinct look. Neutral colors, cool tones, and stark contrasts are trademarks of the style.
Farmhouse interiors take the second spot
Farmhouse interior design takes the second spot in the ranking of the most trendy interior styles, with over 3,064,000 Instagram posts flaunting it. Farmhouse interior design — with its trademark neutral colors, rustic accents, and comfy furniture — is also trending on TikTok, getting over 408 million views.
Modern interior design ranks third
Photo credit: Alexandre Zveiger | Dreamstime
Not to be confused with its contemporary “cousin”, modern interior design relies heavily on a monochromatic color palette, open floorplans, low-set furnishings with horizontal and vertical lines, and heavy use of wood, leather, glass, and stone.
It’s also the third most popular interior design style, getting over 247,000 monthly searches on Google. It, however, is less popular on platforms like TikTok and Instagram, where farmhouse decor and contemporary spaces reign supreme.
Bohemian design takes an honorable 4th spot
Photo credit: Aliaksandra Salalaika | Dreamstime
While it didn’t make it to the podium, bohemian is the second most-searched interior style on Google, with people looking it up over 292,000 times each month. The design style, with its more maximalist approach, incorporates a variety of patterns, colors, textures, and materials, such as florals, paisleys, animal hides, and burlap and encourages personal (and creative) expression.
Unsurprisingly, the vibrant bohemian style is also very popular on TikTok, with 242 million views.
Art Deco interiors land on the 5th spot
Photo credit: Natalia Rutz | Dreamstime
Opulent and decadent Art Deco interiors are still grabbing quite a few people’s attention online. Despite having the lowest search numbers in the list, the style — with its layered shapes, high use of metallics (gold and chrome), and intricate art and furnishings — is the highest trending interior design style on Instagram, appearing in over 3.6 million posts.
Rustic interior design takes 6th place
Photo credit: Irina88w | Dreamstime
There’s something so cozy and so inviting about rustic interiors. No wonder people still gravitate to this timeless style, with its natural, aged, organic, and distressed elements that stand in stark contrast to the modern and contemporary abodes we see on a daily basis.
Despite having the lowest search numbers on the list (because honestly, you don’t need a lot of guidance from Google in order to create rustic-looking interiors), it is the most trending interior design style on Instagram, appearing in 3.6 million posts.
Scandinavian interior design is no longer a leading favorite
Photo credit: Katarzyna Bialasiewicz | Dreamstime
While just a few short years ago, Scandinavian-style interiors were the most hyped ones around, people online seem to be slightly over the minimalist, warm aesthetic.
According to Highland Cabinetry‘s study, Scandinavian design shares similar search numbers with rustic interiors but is less popular on social media, with 2,190,000 Instagram posts and 90 million views on TikTok.
Midcentury modern interior design
Photo credit: Indofootagemedia | Dreamstime
Forever the beloved classic, midcentury modern interiors have fallen to an honorable 8th spot. The timeless style is less popular on Instagram (or maybe it just doesn’t photograph as well as the rest of them?) than rustic or Scandinavian, but is trending on TikTok, gathering 102 million views.
Coastal interior design
Coastal interiors — with their luxuriously understated living vibe marked by light shades of blue, green, beige and white — take the ninth spot on the ranking, with most of its popularity coming from social media rather than Google searches.
In addition to 55 million views on TikTok, over 2 million posts on Instagram are marked with the coastal interior hashtag.
Minimalist interior design
Photo credit: Jeremyreds | Dreamstime
With its simple line furnishings and open floor plans, minimalist design has barely secured a spot on our list, landing in at #10. It has the least search queries on Google but the style found huge popularity on TikTok.
Minimalist interior design gathered over 250 million views on TikTok, the third highest in the ranking, and is relatively popular on Instagram, with over 1.4 million posts.
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