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Ohio provides diverse living experiences, from the bustling cityscapes, to the charming small-town feel. The state is also known for its beautiful natural areas, such as the Cuyahoga Valley National Park, which is perfect for adventure. Whether you’re browsing homes for sale in Cleveland, considering renting in Columbus, or exploring houses for rent in Cincinnati, here’s what you need to know before moving to Ohio.

Ohio at a glance

Ohio’s weather is characterized by its four distinct seasons, with cold, snowy winters and warm, humid summers. Average winter temperatures range from 20°F to 40°F, with significant snowfall in northern areas and occasional ice storms. Summers are typically warm, with temperatures between 70°F and 90°F, and high humidity levels. Ohio is full of vibrancy and affordable living, featuring diverse cities and a rich cultural scene. Cleveland, one of Ohio’s largest cities, is known for its Rock and Roll Hall of Fame, while Columbus, the state capital, thrives with a strong tech and education sector. Affordable living is a highlight, with cities like Toledo and Springfield appealing for budget-conscious individuals.

Major employers in the state include The Ohio State University, Procter & Gamble, and General Electric, providing diverse job opportunities. The state’s cultural scene is vibrant, featuring numerous festivals such as the Columbus Arts Festival, Cleveland International Film Festival, and Cincinnati’s Oktoberfest. For outdoor enthusiasts, Ohio offers a variety of recreational activities, from hiking in Cuyahoga Valley National Park to enjoying the shores of Lake Erie.

1. The cost of living is low here

Ohio offers a notably low cost of living compared to many other states, making it an attractive destination for those seeking affordability. The Median home price in Ohio is $263,000, which is significantly lower than the national median of $442,451. Rental prices are also reasonable, with an average monthly rent of $1,525 in major cities like Cleveland. The overall affordability extends to groceries, healthcare, and utilities, which are generally lower than the national average, allowing for a more budget-friendly lifestyle.

If you’re planning on moving to Ohio, you’ll want to consider the pros and cons before making this state home.

2. Sports is a way of life in Ohio

Sports culture is deeply ingrained in Ohio, where fans passionately support their local teams across various sports. The Cleveland Browns and Cincinnati Bengals command significant attention in the NFL, with game days drawing large crowds. The Cleveland Cavaliers, with their NBA championship win in 2016, have a dedicated fan base, and Ohio State University’s football team, the Buckeyes, is renowned for its competitive spirit and historic rivalries, particularly with the University of Michigan. 

3. Be prepared for the snowy winters

Winters in Ohio can be harsh, particularly in the northern parts of the state. Temperatures frequently drop below freezing from November to March, and the state experiences significant snowfall, averaging 25 to 30 inches annually. Northern cities like Cleveland often see heavier snow compared to southern regions such as Cincinnati. Ice storms and cold snaps are also common, necessitating winter preparedness with snow tires for vehicles, emergency kits, and precautions for potential power outages and hazardous road conditions.

Travel tip: If you’re moving to Ohio, consider downloading the Ohio Department of Transportation’s “OHGO” app. It provides real-time updates on road conditions, traffic, and weather alerts, helping you navigate safely through snow and ice.

4. There are plenty of job opportunities

Ohio’s diverse economy provides ample job opportunities across various sectors. Major employers include The Ohio State University, Procter & Gamble, and General Electric, which offer a range of positions in education, consumer goods, and manufacturing. The state is also a hub for healthcare, with institutions like the Cleveland Clinic and Ohio State University Wexner Medical Center leading the way. Additionally, Ohio’s growing tech industry, especially in cities like Columbus, offers career opportunities in startups and tech firms, further enhancing the state’s employment.

5. Ohio has diverse outdoor regions

Ohio’s natural landscape offers a variety of outdoor recreational opportunities. The Cuyahoga Valley National Park provides scenic hiking trails, such as the Ledges Trail with its stunning rock formations and panoramic views. Lake Erie’s shores offer boating, fishing, and beach activities, while the Hocking Hills region features picturesque waterfalls and rugged terrain perfect for hiking and camping. The state is also great for winter sports, where you can enjoy skiing and snowboarding at resorts like Snow Trails and Mad River Mountain.

Insider scoop: For a unique outdoor adventure, consider visiting the “Gorge Overlook” in Cuyahoga Valley National Park during the fall. The overlook provides a breathtaking view of the park’s vibrant autumn foliage, and it’s less crowded compared to other scenic spots.

6. The people here are friendly

Living in Ohio, you’ll soon discover that Ohioans are known for their welcoming and friendly demeanor, contributing to a warm and inclusive community atmosphere. Whether in bustling cities like Columbus or smaller towns like Granville, residents often exhibit a strong sense of neighborliness and community spirit. Local events and festivals frequently showcase the state’s hospitality, with people coming together to celebrate and support local initiatives. 

7. Ohio and Michigan do not get along

The rivalry between Ohio and Michigan is famously intense, particularly in college sports. The annual football game between Ohio State University and the University of Michigan, known as “The Game,” is one of the most storied rivalries in college football, with both fan bases passionately supporting their teams. This rivalry also extends beyond sports, influencing regional pride and interactions. 

Insider scoop: While the rivalry adds a layer of fun and competition, it’s wise to be aware of this local sentiment if you find yourself in the midst of sports discussions or regional events.

8. The state’s location is close to major cities

Ohio’s central location in the Midwest provides easy access to several major cities outside the state. Residents of Ohio are about a two-hour drive from Pittsburgh, PA, and Detroit, MI, allowing for convenient travel to these bustling metropolitan areas. This proximity to cities like Indianapolis, IN, and Louisville, KY, also broadens business and cultural opportunities. Ohio’s central position enables its residents to enjoy the benefits of nearby major cities while still experiencing the state’s more relaxed and affordable lifestyle.

9. There are great schools here

Ohio has a strong educational system with a range of high-quality schools and universities. Public schools in cities like Solon are often ranked among the top in the state, offering excellent academic programs and extracurricular activities. Higher education institutions such as Ohio State University, Case Western Reserve University, and the University of Cincinnati provide a range of academic and research opportunities. Additionally, the state’s emphasis on education is reflected in its support for public and private schools, contributing to a robust educational environment for students.

Methodology

Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.

Source: rent.com

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To qualify for a mortgage, borrowers need a good credit score and sufficient savings for a down payment. A rent-to-own agreement is an alternative path to homeownership that involves renting a home with either the option or the requirement to buy the property by the end of the lease.

You probably haven’t seen many rent-to-own homes advertised on typical real estate sites, so you may be wondering, how do I find rent-to-own homes? And how does the process work? Here’s a closer look at how rent-to-own homes work, strategies for finding them, and tips for negotiating a rent-to-own agreement.

First-time homebuyers can
prequalify for a SoFi mortgage loan,
with as little as 3% down.

Questions? Call (844)-763-4466.

Understanding Rent-to-Own Homes

Rent-to-own homes, also known as lease-to-own homes, give renters a way to buy a home while living in it. If you’re on the fence about whether to buy or rent a home, this could potentially be a good option to try out a property and build up your finances before committing to homeownership.

Typically, the rent-to-own agreement outlines the duration of the lease, monthly rent, home sale price, and the option-to-buy fee. The latter effectively serves as security deposit for the renter’s right to buy the home at the end of the lease. This cost will likely be a minimum of 1% of the home price, and can often be applied toward the down payment later on.

With a rent-to-own arrangement, the monthly payment may include both rent that’s paid to the seller and a contribution toward a future down payment on the property, known as a rent credit.

There are two common types of agreements on rent-to-own homes: a lease-option agreement and a lease-purchase agreement.

A lease-option agreement grants some flexibility by allowing the renter to choose whether they ultimately buy the home when the lease expires. Both the home selling price and timeline for deciding to buy are included in the signed agreement, so it’s important to negotiate with the owner beforehand.

On the other hand, a lease-purchase agreement obligates the renter to buy the home at the end of the lease. Thus, it’s worth looking into mortgage preapproval beforehand to be prepared to obtain a home loan. Also make sure you can afford the purchase price outlined in the agreement. Completing a home inspection is good practice to identify any necessary repairs or expenses you would be on the hook for as the new owner.

Recommended: How Much Should You Spend on Rent?

Benefits of Rent-to-Own

A rent-to-own agreement can offer benefits for both the seller and homebuyer.

It can be challenging to save for a house while renting. A rent-to-own agreement can be structured to allocate a portion of rent toward a down payment each month, putting renters in a better financial position to buy their home. Making regular rent payments can also build up the renter’s credit score — a key factor lenders look at to determine mortgage qualification. Renters could save on moving costs, too, in the lease-to-own homes scenario, as they’ll already be inhabiting the home by the time they purchase it.

For the seller, a rent-to-own arrangement provides rental income from tenants who are motivated to pay on time and maintain the property. These agreements can also bypass real estate listing fees if structured as for-sale-by-owner. Additionally, sellers can lock in the sale price in the agreement, providing peace of mind and a clear picture of their return on investment when the property is sold.

Recommended: What Are the Different Types of Home Mortgage?

Potential Risks and Considerations

There are also some possible drawbacks to account for when pursuing a rent-to-own agreement.

On the buyer side, the combined cost of rent and contributing toward a future down payment can be steep. If a renter decides not to buy, they could lose out on the money paid toward the option fee and down payment. And if personal finances change and they fail to qualify for a mortgage or miss rent payments, the agreement could be canceled and they’ll forfeit their opportunity to purchase the property.

Changes in home value could be a potential risk for buyers and sellers alike. If the property drops in value, buyers could have trouble qualifying for a mortgage or be required to put more toward a down payment. For sellers, agreeing on a sale price one or more years prior to selling the home could mean missing out on a higher return on investment if the property value increases beyond what is set in the agreement.

Recommended: How to Get a Mortgage

Online Resources for Finding Rent-to-Own Homes

Looking to find legit rent-to-own homes but don’t know where to start? There are a variety of online resources to get started and narrow your search.

Dedicated Rent-to-Own Listing Sites

There are online portals and listing sites catering to prospective buyers looking for rent-to-own properties. Accessing these sites generally comes with a monthly cost, though there may be promotions for limited trials. Some popular sites include Hidden Listings, HomeFinder, and Rent-to-Own Labs, to name a few.

Real Estate Search Engines

Using a real estate search engine can help identify potential rent-to-own properties. Homes that are in foreclosure or listings that have been sitting on the market for a long time could be open to a rent-to-own agreement. Keep in mind that cold calling sellers about rent-to-own agreements can be a time-consuming approach.

Social Media and Online Forums

Aspiring homebuyers can broaden their search by looking for rent-to-own listings on online forums or specialty groups and pages on social media. These platforms enable buyers to take the initiative in making their own post that outlines the type of property and agreement they’re interested in.

When engaging on these channels outside your known network, practice extra due diligence in reviewing leads and opportunities to avoid rent-to-own scams.

Working with Real Estate Agents

Real estate agents may know how to find rent to own homes in your target area. Listing agents may have clients or contacts selling rent-to-own homes.

If you have a specific property in mind, a real estate agent could help negotiate the rent-to-own contract with the seller, although you’ll still want to consult a real estate lawyer to review the final agreement before you sign. Keep in mind that this may include commission versus pursuing a for-sale-by-owner situation.

Alternative Strategies for Finding Rent-to-Own Opportunities

There are other options that could help unearth rent-to-own homes: Spreading the word in your own personal network is a good place to start. And if you’re in an existing rental agreement or in the market for a new place to rent, asking about rent-to-own ahead of signing a lease could open up an opportunity with a landlord who may be looking to sell in the near-term.

There are real estate brokerages and companies that offer rent-to-own programs, too.

The Takeaway

The upfront cost of a down payment and credit requirements can be barriers to financing a home purchase. Rent-to-own homes offer another avenue for aspiring buyers to make homeownership a reality. There are multiple strategies buyers can implement to find a rent-to-own arrangement, including checking out online portals, contacting sellers directly, and working with a real estate agent or brokerage. When you’re ready to move forward with a rent-to-own arrangement or any home purchase, make sure you understand your home loan options.

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

Are there any risks involved with rent-to-own homes?

One potential risk with rent-to-own homes is paying an option-to-buy fee that may be non-refundable if you opt not to buy the property. If the property decreases in value between signing the agreement and applying for financing, the buyer may have trouble qualifying or have to put more money toward a down payment.

What are the requirements to qualify for a rent-to-own home?

The requirements to qualify for a rent-to-own home are negotiated with the seller, but may include an upfront option-to-buy fee, credit check, and demonstrating sufficient funds to cover rent.

What happens if you can’t buy the home after renting?

If you can’t buy the home after renting, you likely won’t be able to recoup any money you’ve already paid the seller, including the option-to-buy fee and rent credit.

Photo credit: iStock/Drazen Zigic

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Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.

*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.

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

This article is not intended to be legal advice. Please consult an attorney for advice.

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Source: sofi.com

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Moving to Minnesota means embracing a state known for its beautiful lakes, vibrant cities, and welcoming communities. From the bustling streets of Minneapolis with its thriving arts scene to the scenic trails of Duluth along Lake Superior, Minnesota offers a unique blend of urban and natural attractions. However, the state’s harsh winters and strong cultural emphasis on outdoor activities require thoughtful consideration. Whether you’re browsing homes for sale in Minneapolis, considering renting in Saint Paul, or exploring houses for rent in Rochester, here’s what you need to know before moving to Minnesota.

Minnesota at a glance

Minnesota is a state that balances urban sophistication with natural beauty, offering a high quality of life. The three largest cities—Minneapolis, Saint Paul, and Rochester—each have their own unique appeal. Minneapolis, known for its numerous lakes, is a bustling urban center with cultural institutions like the Walker Art Center and the Minneapolis Institute of Art. Saint Paul, the state capital, exudes historic charm with its well-preserved architecture and thriving cultural districts like Lowertown. Rochester, home to the world-renowned Mayo Clinic, is a hub for healthcare innovation and offers a more laid-back, suburban lifestyle. Minnesota’s economy is bolstered by major employers such as Target, 3M, General Mills, and the Mayo Clinic, providing diverse job opportunities across various sectors.

The culture in Minnesota is rich and varied, with a strong emphasis on outdoor activities. Residents enjoy a wide range of year-round outdoor activities, from summer boating on the state’s 10,000 lakes to winter sports like ice fishing and snowmobiling. The state’s weather is characterized by cold, snowy winters and warm, pleasant summers, making it essential to be prepared for seasonal extremes. Despite the state’s overall high standard of living, there are affordable places to live, especially in smaller towns and suburbs like Mankato and St. Cloud, which offer lower housing costs while still providing access to urban amenities.

1. The winters here are long

Winters in Minnesota are notoriously long and harsh, with temperatures often dipping well below freezing. Snowfall can begin as early as October and extend into April, making winter activities like snowshoeing, ice fishing, and skiing popular pastimes. To cope with the cold, many residents invest in high-quality winter gear, including insulated coats, boots, and even block heaters for their cars. Despite the challenges, Minnesotans embrace the season with festivals, such as the Saint Paul Winter Carnival, and by making the most of the snowy landscape.

2. You’ll get used to the “Minnesota Nice”

“Minnesota Nice” is more than just a saying; it reflects the genuine friendliness and politeness of the people in the state. Minnesotans are known for their reserved yet warm demeanor, often going out of their way to help others or strike up a friendly conversation. This culture of kindness extends to the workplace, neighborhoods, and even the roads, where people frequently yield to pedestrians and allow others to merge in traffic. For newcomers, adapting to this polite and community-focused atmosphere can make settling in much easier.

3. There are plenty of lakes to explore

Minnesota, known as the “Land of 10,000 Lakes,” actually has more than 11,800 lakes, offering endless opportunities for outdoor activities. Whether you’re into fishing, boating, or simply enjoying the scenic beauty, there’s always a lake nearby. Popular spots include Lake Minnetonka, known for its recreation and beautiful homes, and the Boundary Waters Canoe Area, which provides unparalleled experiences. In the winter, many of these lakes become hubs for ice fishing and skating, keeping the outdoor spirit alive year-round.

Insider scoop: If you’re ice fishing, remember that ice conditions can vary dramatically from one lake to another—local bait shops are a great resource for the most up-to-date safety information.

4. Minnesota prides itself on its state fair

The Minnesota State Fair, often called “The Great Minnesota Get-Together,” is one of the largest and most popular state fairs in the country. Held annually in late August and early September, the fair features a wide array of exhibits, live music, agricultural displays, and, of course, food on a stick. Signature treats like Sweet Martha’s Cookies, deep-fried cheese curds, and the famous “Pronto Pups” draw massive crowds. The fair is a beloved tradition for Minnesotans, reflecting the state’s agricultural roots and community spirit.

Travel tip: Plan to arrive early and use public transportation, like the park-and-ride services, to avoid the heavy traffic and parking hassles. This will give you more time to explore and enjoy all the fair has to offer.

5. The cost of living varies throughout the state

The cost of living in Minnesota can vary widely depending on the region, with the Twin Cities generally being more expensive than rural areas. In Minneapolis, for example, the median home sale price is around $350,515, while in smaller towns like Duluth, the median home sale price is closer to $302,000. Rental prices follow a similar pattern, with urban areas commanding higher rates like Saint Paul, where a one-bedroom is $1,311 compared to more affordable rural locations like Saint Cloud where rent goes for $875. Despite these differences, Minnesota remains an attractive place to live, offering a range of housing options and a quality of life that justifies the cost.

If you’re considering a move to one of the best places to live in Minnesota, it’s important to weigh the pros and cons to understand what life there truly entails.

6. There is plenty to do year-round

There are plenty of things to do in Minnesota throughout the year, catering to all interests. In the warmer months, living in Minnesota means enjoying hiking in state parks like Itasca or visiting cultural landmarks such as the Walker Art Center in Minneapolis. Fall brings stunning foliage and apple orchard visits, while winter is perfect for snowmobiling, cross-country skiing, and attending holiday markets. In the spring, the fishing season starts and you’ll be able to enjoy various outdoor festivals, making Minnesota a place where you can always find something to do, regardless of the season.

7. You’ll have to try its hotdish and juicy Lucy burgers

Minnesota’s culinary scene is steeped in tradition, with comfort foods like hotdish and Juicy Lucy burgers taking center stage. Hotdish, a hearty casserole typically made with ground beef, tater tots, and cream of mushroom soup, is a staple at gatherings and potlucks. The Juicy Lucy, a cheese-stuffed burger that originated in Minneapolis, is another must-try. Local joints like Matt’s Bar and the 5-8 Club in Minneapolis both claim to be the birthplace of this iconic burger, making it a culinary experience steeped in local lore.

8. Cycling is a big deal here

Minnesota is one of the most bike-friendly states in the U.S., with an extensive network of bike trails and lanes. The Twin Cities, in particular, are known for their cycling culture, offering trails like the Midtown Greenway and the Grand Rounds Scenic Byway. Even in winter, hardy cyclists continue to commute and ride for recreation, thanks to maintained trails and the growing popularity of fat bikes, which are designed for snow and rough terrain. The state’s commitment to cycling is reflected in its investments in infrastructure and community events, like the annual Tour de Tonka bike ride.

Insider scoop: Be prepared for bike-friendly amenities like heated bike racks and repair stations scattered throughout the Twin Cities.

9. Prepare for the mosquitoes

Minnesota’s abundant lakes and wetlands create ideal breeding grounds for mosquitoes, earning the unofficial nickname “The Land of 10,000 Mosquitoes.” These pests are particularly active in the summer months, especially around dusk. To cope, residents often use insect repellent, wear long sleeves and pants in the evening, and install screens on windows and doors. Despite their prevalence, Minnesotans don’t let mosquitoes deter them from enjoying the great outdoors, with many investing in outdoor products like citronella candles and bug zappers to minimize the nuisance.

10. Minnesota has skyway systems in place

In the Twin Cities, particularly Minneapolis and St. Paul, extensive skyway systems connect buildings, allowing residents and workers to move around downtown without stepping outside. These enclosed, climate-controlled walkways are especially beneficial during the harsh winters, making it possible to navigate the city comfortably regardless of the weather. The Minneapolis Skyway System, the largest in the world, spans 9.5 miles and connects 80 city blocks. This convenience contributes to the livability of the cities, particularly for those who work downtown or frequently visit the urban core.

11. The state has a strong cooperative movement 

Minnesota has a long history of cooperative businesses, particularly in agriculture and retail, with the state serving as a leader in the cooperative movement. Organizations like Land O’Lakes and CHS Inc., both based in Minnesota, are among the largest agricultural cooperatives in the country. The cooperative spirit extends to food co-ops, credit unions, and even energy cooperatives, providing residents with community-focused, member-owned alternatives to traditional businesses. 

12. Minnesota has a great job market

Minnesota has a strong job market with opportunities across various industries, including healthcare, technology, education, and manufacturing. The Twin Cities of Minneapolis and St. Paul are economic hubs, home to major corporations like Target, 3M, and General Mills. Additionally, the state has a strong commitment to education, with the University of Minnesota providing research and employment opportunities. 

Methodology

Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.

Source: rent.com

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Newark, often referred to as the “Gateway City,” is a place of rich history and cultural diversity. With its historic neighborhoods, vibrant arts scene, and close proximity to New York City, it’s no wonder that many people dream of calling Newark their home. However, life in this dynamic city comes with its own set of challenges. So whether you’re searching for a modern apartment in the Ironbound District or a historic brownstone apartment in Forest Hill, you’ve come to the right place.

In this ApartmentGuide article, we’ll explore the various pros and cons of living in Newark, helping you decide if this vibrant urban center is the right place for you.

Fast facts about living in Newark

  • What is Newark known for: Gateway to New York City, diverse cultural heritage, and major transportation hub
  • Fun fact: Newark Liberty International Airport was one of the first major airports in the United States, opening in 1928
  • Population: Over 310,000 residents in Newark proper; over 19 million in the NYC metro area
  • Average rent: $2,425 per month for a one-bedroom apartment
  • Median home sale price: $1,400,000
  • Days of sunshine: Approximately 220 days per year
  • Public parks: More than 70 parks within the city
  • Average summer high temperature: 86°F (30°C)
  • Major industries: Transportation, healthcare, education, and finance

1. Pro: Proximity to New York City

One of Newark’s biggest advantages is its proximity to New York City. Just a short train ride away, Newark offers easy access to all that NYC has to offer, from job opportunities to cultural attractions, without the sky-high living costs. Whether you work in the city or simply enjoy visiting, Newark provides a more affordable base while keeping you close to the action.

2. Con: High cost of living relative to other NJ cities

While Newark is more affordable than New York City, it still has a relatively high cost of living compared to other cities in New Jersey. Overall, the cost of living in Newark is about 16% more expensive than the national average. Housing costs are a significant factor, being 41% higher than the national average, with the median sale price for a home in Newark around $1,400,000 and average rent for a one-bedroom apartment in Newark at $2,425 per month.

Additionally, utilities are 9% more expensive, groceries are 3% more, and transportation costs are 9% higher than the national average. On a positive note, healthcare costs are slightly lower, at 1% less than the national average. However, lifestyle expenses, including dining out and entertainment, are about 7% more expensive, making it essential to consider your budget carefully when moving to Newark.

3. Pro: Rich cultural and historical heritage

Newark is a city with a rich history, dating back to its founding in 1666. This history is reflected in its architecture, museums, and cultural institutions. The city is home to the Newark Museum of Art, the New Jersey Performing Arts Center (NJPAC), and the historic Ironbound District, known for its Portuguese and Brazilian communities. These cultural assets contribute to a vibrant and diverse atmosphere, offering residents plenty of opportunities to explore and enjoy.

4. Con: Traffic congestion and limited parking

As a major transportation hub, Newark experiences significant traffic congestion, especially during rush hours. The city’s layout and infrastructure can make parking a challenge, particularly in densely populated neighborhoods. Many residents rely on public transportation to avoid the hassle of driving, but for those who need to use a car, traffic and parking can be a daily headache.

5. Pro: Strong transportation links

Newark is a transportation hub with excellent links to New York City, the surrounding region, and beyond. Newark Penn Station is a major train station served by Amtrak, NJ Transit, and PATH trains, making commuting to NYC and other cities straightforward. Additionally, Newark Liberty International Airport is one of the busiest airports in the country, offering direct flights to destinations around the world. For residents, the city’s strong walk and transit scores indicate that many Newark neighborhoods are accessible without a car, making it easier to navigate daily life. However, the bike score suggests that while biking is possible, the city’s infrastructure is more car-oriented.

Newark’s transportation scores

  • Walk score: 76
  • Transit score: 65
  • Bike score: 51

6. Con: Economic diversity with areas of growth

Newark, like many urban areas, has a mix of economic conditions, with some neighborhoods experiencing rapid growth and revitalization, particularly in downtown and the Ironbound District. While these areas are thriving, offering new opportunities and developments, other neighborhoods are still in transition, working to overcome challenges related to income and employment. This economic diversity reflects the city’s ongoing efforts to improve quality of life and expand access to resources across all communities.

7. Pro: Diverse dining and food scene

Newark offers a vibrant and diverse food scene, heavily influenced by its multicultural population. The Ironbound District is particularly well-known for its Portuguese and Brazilian restaurants, offering everything from casual dining to gourmet experiences. The city’s diverse communities also mean that residents can enjoy a wide range of cuisines, from Caribbean to Italian to African.

Popular restaurants in Newark

  • Forno’s of Spain
  • Casa Vasca
  • Adega Grill
  • Fornos Portuguese BBQ
  • Tops Diner
  • Seabra’s Marisqueira
  • Mercado Tomato Pie

8. Con: Limited shopping options

While Newark has a variety of local shops, markets, and boutiques, it lacks the extensive shopping districts and large malls found in some other cities. For those who enjoy shopping at high-end stores or large retail centers, options within the city may be somewhat limited. Residents often travel to nearby cities like Jersey City, Hoboken, or even New York City for a more diverse shopping experience. This can be inconvenient for those who prefer to do their shopping closer to home.

9. Pro: Educational institutions

Newark is home to several respected educational institutions, including Rutgers University-Newark, the New Jersey Institute of Technology (NJIT), and Seton Hall University’s Law School. These institutions not only provide education but also contribute to the local economy and culture. Additionally, Newark Public Schools, while facing challenges, offer a range of specialized programs and magnet schools that provide educational opportunities for local students.

10. Con: Aging infrastructure

Like many older cities, Newark has aging infrastructure that can lead to issues with public services, transportation, and utilities. While there are ongoing efforts to modernize and improve the city’s infrastructure, residents may still encounter challenges related to outdated facilities and services, particularly in older neighborhoods.

11. Pro: Access to outdoor recreation

Despite being an urban center, Newark offers access to a variety of outdoor spaces and activities. Branch Brook Park, known for its stunning cherry blossoms in the spring, is one of the largest parks in the city and a popular spot for jogging, picnicking, and enjoying nature. Additionally, Weequahic Park offers a golf course, sports fields, and walking trails, providing residents with plenty of options for outdoor recreation.

Other outdoor activities in Newark

  • Riverfront Park: Offers scenic views of the Passaic River, walking paths, and spaces for community events.
  • Lincoln Park: A historic park that hosts concerts, festivals, and community gatherings throughout the year.
  • Military Park: A revitalized downtown green space featuring gardens, a reflecting pool, and cultural events.
  • Newark Bay: Ideal for boating, fishing, and enjoying waterfront views.
  • Essex County Turtle Back Zoo: Located nearby, this popular destination offers animal exhibits, a treetop adventure course, and a mini-golf course.
  • South Mountain Reservation: A short drive away, this expansive nature reserve offers hiking trails, a scenic overlook, and a reservoir for kayaking and fishing.

12. Con: Limited nightlife options

While Newark has a growing arts and cultural scene, its nightlife options are somewhat limited compared to nearby New York City or even other cities in New Jersey. There are bars, lounges, and music venues, but the city’s nightlife is generally more low-key. For those seeking a vibrant and diverse nightlife, the proximity to NYC offers an easy escape, but Newark itself may not satisfy those looking for more variety.

13. Pro: Strong community ties

Newark is a city with strong community ties and a deep sense of pride among its residents. Neighborhoods often have close-knit communities where people know their neighbors and support local businesses. This sense of community is particularly strong in areas like the Ironbound, where generations of individuals have lived and worked, contributing to a rich cultural and social fabric.

14. Pro: Growing job market in key sectors

While Newark has faced economic challenges, there is growth in key sectors such as transportation, healthcare, and education. The presence of major institutions like Prudential Financial and Audible, as well as the growing influence of tech startups, is helping to revitalize the local economy. Newark’s strategic location also makes it an attractive place for businesses looking to access the New York City market without the associated costs.

Top employers in Newark

  • Port Authority of New York and New Jersey
  • University Hospital
  • Rutgers University-Newark
  • New Jersey Institute of Technology (NJIT)
  • PNC Bank
  • Horizon Blue Cross Blue Shield of New Jersey

Pros & cons of living in Newark (summary)

  • Pro: Proximity to New York City
  • Con: High cost of living relative to other NJ cities
  • Pro: Rich cultural and historical heritage
  • Con: Traffic congestion and limited parking
  • Pro: Strong transportation links
  • Con: Economic diversity with areas of growth
  • Pro: Diverse dining and food scene
  • Con: Limited shopping options
  • Pro: Educational institutions
  • Con: Aging infrastructure
  • Pro: Access to outdoor recreation
  • Con: Limited nightlife options
  • Pro: Strong community ties
  • Pro: Growing job market in key sectors

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Apache is functioning normally

Finding a place to live in Utah without breaking the bank can be a challenge. But if you know where to look, there are cities that offer affordability without sacrificing quality of life. Below, we’ve listed a handful of the cheapest places to live in Utah, where you can enjoy comfortable living at a lower cost. 

Let’s take a closer look at seven of the most affordable cities in Utah along with some of the largest employers and most popular frugal attractions in each area. Today’s the day to find your new place in one of Utah’s top budget-friendly towns.

1. Layton

Average rent: $1,262

Layton stands out as the most affordable city for renters on our list, with an average rent of $1,262. The city’s affordability shines through with a wide range of apartment options. Studio apartments in Layton average just $750, offering budget-conscious renters a great deal. Even two-bedroom apartments remain relatively low-cost compared to larger cities in Utah at $1,649. 

When it comes to employment, Layton has options. Hill Air Force Base is the premier employer in the area, providing tons of  job opportunities. For those seeking leisure, Layton’s parks, like Layton Commons Park, offer plenty of free outdoor space to enjoy. The Davis Arts Council also sponsors free concerts and events throughout the year, making it easy to stay entertained on a budget.

Apartments for rent in Layton | Houses for rent in Layton | Homes for sale in Layton

2. Millcreek

Average rent: $1,307

Millcreek is another affordable option for Utah renters, with an average rent of $1,307. The city has a variety of rental options, with one-bedroom apartments averaging just $1,060. Even larger, two-bedroom units are reasonable at $1,399. 

Millcreek residents benefit from employment opportunities in the nearby Salt Lake City area, including major employers like Intermountain Healthcare. For a little fun under the sun, Millcreek provides convenient access to the Wasatch Mountain Range, where you can enjoy hiking and nature walks without spending a dime. Local parks like Canyon Rim Park also offer free spaces for family outings and sports.

Apartments for rent in Millcreek | Houses for rent in Millcreek | Homes for sale in Millcreek

3. Ogden

Average rent: $1,364

Ogden offers a blend of affordability and scenic beauty, with an average rent of $1,364. This city is particularly attractive to those looking for one-bedroom apartments, which average $1,316 per month. Even two-bedroom units remain affordable at $1,579, slightly below the state median. 

Job seekers in Ogden can find opportunities with large employers like the IRS and McKay-Dee Hospital. Ogden’s historic downtown is home to a variety of free attractions, like Ogden Union Station and the scenic Ogden River Parkway, perfect for a budget-friendly weekend.

Apartments for rent in Ogden | Houses for rent in Ogden | Homes for sale in Ogden

4. Orem

Average rent: $1,421

Orem, a neighbor of Provo, has an average rent of $1,421, making it another budget-friendly choice. The city’s rental market offers reasonable rates, with one-bedroom apartments averaging $1,389 and two-bedroom units at $1,574. 

The city is home to Utah Valley University, a major employer in the area, providing jobs in education and administration. For low-cost entertainment, residents can visit the SCERA Center for the Arts, which hosts free or inexpensive community events. Orem also boasts several parks and trails, like Nielsen’s Grove Park, where you can enjoy nature without cracking open your wallet.

Apartments for rent in Orem | Houses for rent in Orem | Homes for sale in Orem

5. West Jordan

Average rent: $1,448

West Jordan’s average rent sits at $1,448. Studio apartments in West Jordan are particularly affordable, averaging $1,225. One-bedroom units are slightly higher at $1,366, but two-bedroom apartments are a bit more at $1,752. 

Employment opportunities are abundant in West Jordan, with major employers like Holy Cross Hospital anchoring the economy. The city also provides locals with plenty of affordable attractions, like Conservation Garden Park, where you can learn about water-wise landscaping. Veterans Memorial Park is another popular spot, hosting free events and equipped with plenty of space for outdoor activities.

Apartments for rent in West Jordan | Houses for rent in West Jordan | Homes for sale in West Jordan

6. Provo

Average rent: $1,484

Provo has an appealing average rent of $1,484. Studio apartments in Provo are especially budget-friendly, averaging $1,095, while one-bedroom units go for about $1,476. Two-bedroom apartments, slightly pricier at $1,880, remain below the state’s average. Provo’s affordability is largely influenced by its student population, which keeps rental demand steady but competitive.

Brigham Young University is the heartbeat of Provo, providing not employment for many locals and solidifying the city’s reputation as one of the top Utah college towns. The city also supports free attractions, like the BYU Museum of Art and a handful of university-hosted events throughout the year. Outdoorsy types can check out nearby Provo Canyon, with pristine trails and waterfalls at no cost.

Apartments for rent in Provo | Houses for rent in Provo | Homes for sale in Provo

7. Saratoga Springs

Average rent: $1,554

Saratoga Springs comes in just under the state median, with an average rent of $1,554. The city’ one-bedroom apartments average $1,361, while two-bedroom units are priced at $1,747.

The city is close to several tech hubs, making it an attractive place for professionals working in nearby Lehi or Draper. For fun, Saratoga Springs residents can enjoy the natural beauty of Utah Lake, with free access to its shores and parks. The area also offers affordable golfing at the TalonsCove Golf Club, where locals benefit from discounted rates.

Apartments for rent in Saratoga Springs | Houses for rent in Saratoga Springs | Homes for sale in Saratoga Springs

Methodology

All cities must have over 50,000 residents per the US Census and have an average rent price under the median rent price for the state – which is $1,561 per month according to Redfin data. Average rental data from Rent.com July 2024.

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

Source: rent.com

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Known for its striking skyline, iconic bridges, and tight-knit neighborhoods, Pittsburgh is a place where history and innovation coexist. Whether you’re drawn by the thriving job market, the affordable cost of living, or the burgeoning food and cultural scenes, there’s something here for everyone. Not sure if the ‘Burgh is for you? Read on to find out what to expect if you’re considering a move to the Pittsburgh area in 2024.

You know it from: Fences, The Fish That Saved Pittsburgh, The Bridge to Nowhere

Average 1 bedroom rent: $1,425 | Pittsburgh apartments for rent, Pittsburgh houses for rent

Average home price: $265,000 | Pittsburgh homes for sale

Average cost of full-service moving services: $105/hr for 2 movers

Average cost to rent a moving truck: $19 – $39/day

Top industries: Advanced Manufacturing & Technology, Education, Life Sciences

Move here for: Affordable cost of living, Sports, Great restaurants

Be sure to bring: A snow shovel and a yellow shirt for game days

1. The weather is a rollercoaster ride

Pittsburgh’s weather is known for its unpredictability. The city experiences all four seasons in full force, but often with surprising intensity. Winters can be harsh, with temperatures plunging below freezing and snowstorms that can disrupt daily life. On the flip side, summers bring high humidity and temperatures that can soar into the 90s. Spring and fall offer brief respites, but even these seasons are peppered with unexpected temperature swings. Be prepared to experience the full spectrum of weather conditions, sometimes all in the same week.

2. The bridges are beautiful—but they might confuse you

Pittsburgh is famously known as the “City of Bridges,” with 446 bridges crossing its three rivers: the Allegheny, Monongahela, and Ohio. While the bridges add to the city’s charm, they can also be a source of confusion for newcomers. Getting used to the constant crossing of bridges and navigating the city’s winding streets can be a challenge. But once you get the hang of it, the views from the bridges, especially during sunset, are nothing short of spectacular.

3. Pittsburgh is a hub for tech and healthcare jobs

Pittsburgh has transformed from its steel industry roots into a thriving hub for technology and healthcare. Companies like Google, Uber, and Facebook have set up shop here, drawing on the talent coming out of local universities like Carnegie Mellon. UPMC (University of Pittsburgh Medical Center) is one of the top employers in the city, offering a wealth of opportunities in the healthcare sector. The job market is robust, with an unemployment rate consistently lower than the national average. 

4. You’ll need to learn to navigate the “Pittsburgh Left”

The “Pittsburgh Left” is a local driving quirk where the first car waiting at a red light turns left immediately when the light turns green, often before oncoming traffic. While this maneuver is rooted in politeness, it can be startling if you’re not familiar with it. Newcomers will quickly learn to anticipate this move, whether they’re the ones making the left or just waiting for the car in front of them to go.

5. Pittsburghers take their sports seriously

Sports are more than just a pastime in Pittsburgh—they’re a way of life. The city is home to legendary teams like the Steelers (NFL), Penguins (NHL), and Pirates (MLB), and the loyalty of the fan base is unmatched. Embracing the local sports culture is almost a rite of passage for newly minted Pittsburghers.

Moving Tip: On game days, the entire city seems to rally around its teams, with everyone donning black and gold. Even if you’re not a sports fan, you’ll quickly learn that the city’s mood can be influenced by the outcome of a game.

6. The cost of living is lower than you might expect

Compared to other major cities, Pittsburgh offers a relatively low cost of living. Housing is affordable, whether you’re looking to rent or buy, with prices significantly lower than in cities like New York or even nearby Philadelphia. Groceries, healthcare, and utilities are also more affordable, making Pittsburgh an attractive option for those looking to stretch their dollars further. However, be mindful that some neighborhoods, especially those close to the city center, are becoming more expensive as demand increases.

7. Pittsburgh is a city of neighborhoods

Pittsburgh is often described as a “city of neighborhoods,” and with good reason. The city is divided into more than 90 unique neighborhoods, each with its own distinct personality and charm. From the hip, youthful vibe of Lawrenceville to the historic, tree-lined streets of Shadyside, there’s a neighborhood to suit every taste. Squirrel Hill is known for its vibrant Jewish community, while the South Side is famous for its nightlife. Exploring these neighborhoods is one of the joys of living in Pittsburgh, as each offers something different.

8. Public transportation is limited but improving

Pittsburgh’s public transportation system, managed by the Port Authority, includes buses, light rail (the “T”), and inclines, but it’s far from perfect. While the city’s bus network is extensive, it can be slow and unreliable, particularly outside peak hours. The light rail system is limited in scope, serving mainly the southern suburbs and downtown. However, recent investments and plans for expansion are gradually improving the situation. For now, owning a car is still recommended if you need to get around efficiently, especially if you live outside of the city center.

9. The housing market is competitive

The housing market in Pittsburgh is heating up, with homes and apartments being snapped up quickly. This is especially true in popular neighborhoods like Lawrenceville, East Liberty, and the North Shore, where properties often receive multiple offers above asking price. While there are still deals to be found, particularly in less trendy areas, it’s essential to act fast if you find a place you love. Working with a local real estate agent who knows the market can give you an edge in securing your dream home.

10. Pittsburgh’s food scene is underrated

Whether you’re craving pierogies or sushi, Pittsburgh delivers. The city’s food scene has exploded in recent years, earning it a spot on many “must-visit” lists for foodies. Pittsburgh offers a diverse range of dining options, from classic comfort foods like Primanti Brothers’ sandwiches (fries included) to innovative cuisine from James Beard-nominated chefs. Ethnic food is also a big part of the culinary landscape, with notable options in neighborhoods like Bloomfield (Italian), Squirrel Hill (Jewish, Chinese), and the Strip District (everything from Asian to Middle Eastern).

11. Pittsburghers love their festivals

There’s always something happening in Pittsburgh, especially when it comes to festivals. The city hosts a wide range of events throughout the year, from the Three Rivers Arts Festival to the Pittsburgh Vintage Grand Prix. These events not only provide entertainment but also offer a chance to experience the city’s community spirit. The best part? Many of these festivals are free to attend, making them accessible to everyone.

12. Winter driving can be a challenge

Driving in Pittsburgh during the winter can be daunting, especially if you’re not used to snow and ice. The city’s many hills and narrow streets can become treacherous when covered in snow. Snow removal is a priority, but the weather can change quickly, leaving roads slick and dangerous. It’s worth noting that Pittsburghers have a bit of a love-hate relationship with their snow shovels—clearing sidewalks is a must.

Moving Tip: If you’re planning to drive in the winter, invest in a good set of snow tires and take it slow on the city’s winding roads.

13. Green spaces abound

Despite being a city with a strong industrial past, Pittsburgh is surprisingly green. The city is home to numerous parks, including the sprawling Schenley Park and Frick Park, where residents can enjoy outdoor activities year-round. The Pittsburgh Parks Conservancy has done an excellent job maintaining these spaces, making them accessible for everyone. Whether you’re into hiking, biking, or just relaxing in nature, there’s a park nearby that can accommodate you.

14. The cultural scene is accessible

Pittsburgh has a thriving cultural scene with a variety of museums, theaters, and music venues. The Carnegie Museums of Art and Natural History, the Andy Warhol Museum, and the Pittsburgh Symphony Orchestra are just a few of the highlights. The city’s size means that cultural experiences are more accessible and often more affordable than in larger cities. Whether you’re an art lover, a history buff, or a music enthusiast, you’ll find plenty to keep you entertained.

Methodology: Average rent prices sourced from Rent.com August 2024. Home prices sourced from Redfin August 2024. Average moving costs sourced from MoveBuddha. Employment data sourced from Visit Pittsburgh.

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It can vary between weeks or months of missed payments, but collectors typically take steps before resorting to lawsuits. Some states also have a legal limit that prevents them from suing after a certain timeframe.

Debt collectors can feel relentless. You might be wondering, “When can this stop? Can they really sue me?” The answer is yes—debt collectors can sue you to recover the debts that you owe. 

There’s no single answer to how soon a debt collector can sue—it can be between weeks or months, but they’ll usually take steps before it gets to that point. There’s also a legal time limit, depending on your state, that prevents you from getting sued after a certain time frame. Also, if the debt owed is less than $500, debt collectors are much less likely to sue you.

This guide will shed light on debt collector lawsuits, how soon they can happen, how they affect your credit, and—most importantly—how to avoid them altogether.

Be sure to also familiarize yourself with the Fair Debt Collection Practices Act so you’re aware of your rights. 

Table of contents:

  • When Can Debt Collectors Sue?
  • Factors Affecting a Debt Collector’s Decision to Sue 
  • What to Do if You’re Sued
  • How Debt Collection Affects Your Credit 
  • Strategies to Avoid Debt Collections 

When Can a Debt Collector Sue You?

While there’s no set-in-stone timeline on how soon a debt collector can sue, you are more at risk if you have an unpaid debt for more than six months. 

However, there is a legal timeframe for how long debt collectors can collect debt. This is known as the statute of limitations, which varies by state and ranges from three to 15 years. 

The statute of limitations also depends on the type of debt that is owed—here’s a breakdown of the different types of debt: 

  • Written contracts: These are repayment term agreements that are signed by the borrower, like mortgages and loans. The limitation for this type of debt is an average of 6 years. 
  • Oral contracts: These are verbal agreements that are not written on paper, like a handshake agreement. These average about four years. 
  • Open-ended accounts: These types of debts come from things like credit cards since they don’t have a set repayment amount. These average about five years after your last credit card payment. 
  • Promissory notes: These are written promises to repay a specific sum of money. The average timeline is about six years. 

The statute of limitations doesn’t wipe your slate clean. Debt collectors can still reach out to ask you to pay the debt after this expires—they just can’t legally take you to court. However, there are rules about when and how debt collectors are allowed to contact you: 

  • Only being able to reach you within specific hours (typically 8 am – 9 pm) and have a limit on call frequency within a week.
  • Honoring your requests to stop contacting you at work, via email/text, or on social media.

Tip: Making a partial payment to your debt may restart the timeline for your statute of limitations because it shows the debt collector that you haven’t abandoned the debt. Avoid confirming that the debt is yours, and never give out personal information over the phone.  

Debt Collection Statute of Limitations by State 

Below is a list of the statute of limitations by state according to each debt type. Be sure to double-check the Attorney General office for your state for the most up-to-date information on these time ranges: 

State  Written Contract  Oral Contract  Open-Ended Accounts  Promissory Notes
Alabama 6 years 6 years 3 years 6 years
Alaska 3 years 3 years 3 years 3 years
Arizona 6 years 3 years 6 years 6 years
Arkansas 5 years 3 years 5 years 5 years
California  4 years 2 years 4 years 4 years
Colorado 3 (6 most debts; rent) (2 tortious breach) 3 years (6 short-term debt/rent ) (2 tortious breach) 6 years 6 years
Connecticut 6 years 3 years 6 years 6 years
Delaware 3 years 3 years 3 years 3 years
District of Columbia 3 years 3 years 3 years 3 years
Florida  5 years 4 years 5 years 5 years
Georgia 6 years 4 years 6 years 6 years
Hawaii 6 years 6 years 6 years 6 years
Idaho 5 years 4 years 4 years 5 years
Illinois  10 years 5 years 5 years 10 years
Indiana 10 years 6 years 6 years 10 years
Iowa 10 years 5 years 5 years 10 years
Kansas 5 years 3 years 3 years 5 years
Kentucky 10 (15 years for contracts entered into on or before July 15, 2014) 5 years 10 years 15 years
Louisiana  10 years 10 years 3 years 10 years
Maine 6 years 6 years 6 years 20 years
Maryland 3 years 3 years 3 years 6 years
Massachusetts 6 years 6 years 6 years 6 years
Michigan 6 years 6 years 6 years 6 years
Minnesota 6 years 6 years 6 years 6 years
Mississippi 3 years 3 years 3 years 3 years
Missouri 10 years 5 years 5 years 10 years
Montana 8 years  5 years 5 years 8 years
Nebraska 5 years 4 years 4 years 5 years
Nevada 6 years 4 years 4 years 3 years
New Hampshire  3 years 3 years 3 years 6 years
New Jersey 6 years 6 years 6 years 6 years
New Mexico 6 years 4 years 4 years 6 years
New York 6 years 6 years 3 years 3 years
North Carolina 3 years 3 years 3 years 5 years
North Dakota 6 years 6 years 6 years 6 years
Ohio 6 years 4 or 6 years 6 years 8 years
Oklahoma 5 years  3 years 3 years 6 years
Oregon 6 years 6 years 6 years 6 years
Pennsylvania 4 years 4 years 4 years 4 years
Rhode Island 10 years 10 years 10 years 10 years
South Carolina 3 years 3 years 3 years 3 years
South Dakota 6 years 6 years 6 years 6 years
Tennessee 6 years 6 years 6 years 6 years
Texas 4 years 4 years 4 years 4 years
Utah 6 years 4 years 4 years 6 years
Vermont 6 years 6 years 6 years 14 years
Virginia 5 years 3 years 3 years 6 years
Washington 6 years 3 years 6 years 6 years
West Virginia 10 years 5 years 5 years 6 years
Wisconsin 6 years 3 years 6 years 10 years
Wyoming 10 years 4 years 8 years 10 years

Sources: Nolo and InCharge Debt Solutions

Factors Affecting a Debt Collector’s Decision to Sue 

While the statute of limitations sets the outer boundary, debt collectors consider several factors before deciding to sue you. Here’s what can influence their decision:

  • Amount of debt: Larger debts are more likely to be pursued through lawsuits. Going to court is a lengthy and costly process, so the potential return on investment (your repayment on a large debt) makes the legal process more worthwhile for them. Smaller debts might be seen as less cost-effective to collect through lawsuits, and some states will avoid small claims courts altogether. 
  • Age of debt: Fresh delinquencies, where you’ve recently missed payments, are often addressed more aggressively than older debts. Collectors might prioritize working with you on repayment plans before resorting to lawsuits for newer delinquencies.
  • Your location: Local laws and court costs can play a role. In states with more favorable legal environments for debt collection or lower court filing fees, collectors may be quicker to sue.
  • Collector practices: Some larger collectors may be more aggressive than others—they sometimes have access to more resources that help score and prioritize consumers with larger debt amounts.

What to Do if You’re Being Sued

Being sued by a debt collector can be stressful, but some steps from the Consumer Financial Protection Bureau and Federal Trade Commission can help you navigate the process:

  • Respond to the collector: Responding to the lawsuit is crucial. Ignoring it can lead to an automatic judgment against you, meaning the court will rule in the collector’s favor without your defense, and you can lose your ability to dispute. The debt collector could also get the court to put a lien on your property, like your house, if you don’t respond. 
  • Talk with an attorney: An attorney can advise you on your legal rights and help you navigate the lawsuit process. To start, you can reach out to a legal aid office in your area or find an attorney with experience in the Fair Debt Collection Practices Act (FDCPA). 
  • Gather paperwork: Collect any documents related to the debt, including account statements, original credit agreements, proof of payments you’ve made, and any communication you’ve had with the collector. This documentation can be vital for your defense if you’re wrongly accused of owing debt. 
  • Review the lawsuit: If your debt is valid, review the claim carefully and make sure that the debt hasn’t expired (time-barred debt) and the debt amount is accurate. 
  • Negotiate a settlement: Sometimes, debt collectors are open to settling the debt for less than the full amount owed. Negotiating a settlement can help you resolve the case faster and potentially save you money.
  • Do nothing: If you’re past the statute of limitations and the collection account is about to fall off your credit report, then the best action is inaction. 

If you think you’re debt collector is doing something illegal, you can report problems to: 

How Debt Collection Affects Your Credit

A debt collection lawsuit will likely show up on your credit report and can stay on there for up to seven years. After seven years, this negative mark will automatically fall off your credit report.

Having collection accounts on your report may make it more difficult to receive future credit. If you can get approved for credit, you might face higher interest rates, loan denials, or even higher security deposits for rentals since you’ll be seen as less creditworthy to lenders. 

However, you do have the right to dispute errors on your credit report. If the debt collection lawsuit or judgment is inaccurate, you can file a dispute with your credit bureau or AnnualCreditReport.com to see about having it removed.  

Strategies to Avoid Debt Collections

Let’s face it, dealing with debt collectors is no picnic. Here are some proactive steps you can take to avoid the hassle and stress of debt collector lawsuits altogether:

  • Communicate with creditors and collectors: Proactive communication demonstrates your willingness to resolve the debt. If you’re struggling to make payments, explain your situation and try to negotiate a realistic payment plan you can afford.
  • Try credit counseling: Consider seeking help from nonprofit credit counseling agencies. These organizations offer free or low-cost financial counseling and debt management plans. They can help you get out of debt, create a budget, negotiate with creditors, and develop a strategy to repay your debts.
  • Debt consolidation: Imagine juggling multiple credit card bills. Debt consolidation lets you combine them into one loan with (hopefully) a lower interest rate. This makes managing your debt easier (fewer bills) and potentially saves you money in the long run.

Take Control of Debt With a Debt Consolidation Loan 

Armed with the knowledge of the statute of limitations, your rights under the Fair Debt Collection Practices Act, and effective debt management strategies, you can navigate debt collector situations with more confidence. Credit.com offers a variety of resources, like debt consolidation loans, to help you manage your finances and work on your credit health. 

Source: credit.com

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With its thriving job market, world-famous live music scene, outdoor activities, and unique local cuisine, Austin has long been attracting new residents from outside state lines.

The Texas city has seen its population double every 20 to 25 years. In fact, recent city data shows that people moving to Austin from other parts of Texas and other states made up 45% of the growth recorded in the city’s metro area between July 1, 2022 and July 1, 2023.

And even though this has been a major contributor of growth to the Austin region, recent figures show slower growth in the last couple of years, with the influx of residents from pricier cities driving up the cost of living and making it less appealing for potential newcomers.

Nevertheless, we wanted to see what drives people to move to Austin. What in particular makes this Texas city so attractive — particularly to people from other states? And it turns out, there’s lots to love about living in Central Texas, and it’s not just affordability.

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Great people, welcoming business environment

Photo credit: GSPhotography / Shutterstock

Dillon Forte, a famous tattoo artist who has inked celebs like Usher, Kat Von D, and Chris Hemsworth, chose to move out of Los Angeles and built a tattoo ranch just outside of Austin.

“I was living and running my shop in Venice, California, when I realized I needed a significant change for my family and the tattoo business,” says Dillon, owner and tattoo artist at FORTE Tattoo.

“I think the buzz of living around Los Angeles wears off when you get past your 20s, especially if you don’t have to be there for whatever you do. A majority of my clientele comes from all over the country and even from around the world.” 

Settling down in the Texas city brought a positive change in Dillon’s life, with both his family life and business thriving in Austin’s welcoming environment.

“The people of Texas are just incredible, and my family has really enjoyed the change of pace. But what’s truly exciting is how my business has thrived in this new environment. It really speaks to the potential and opportunities that Texas offers those who appreciate it. Did I mention the food out here is incredible?” 

Easy access to both big-city and small-town lifestyles

Photo credit: Bryan Roschetzky / Dreamstime

“I had visited Texas many times and fell in love with its energy and culture while also appreciating the land and landscapes surrounding it. A few years back, I initially had my shop in Austin and moved it to a large property in Wimberley, just outside the city,” Dillon Forte added.

“This move allowed me to live both a big-city and small-town lifestyle, which is nearly impossible in California.”

Lower cost of living than other tech-heavy metro areas

Photo credit: Roschetzky Photography / Shutterstock

Despite the city’s cost of living going up — with many citing the influx of new residents as one of the key factors for the rising prices — Austin is still considerably more affordable than bigger, tech-heavy cities like San Francisco, Boston, or New York City.

Aaliyah Kissick, now a Personal Finance Expert/CEO at Financial Literacy Diaries, experienced that firsthand while living in Austin when her husband was completing his internship in tech.

“Because I was studying financial planning, I was thinking about our future. What stood out to me is the relatively low cost of living. Compared to the rest of Texas, Austin is not as low-cost, but compared to other metropolitan areas with a large tech community, living here is the best bet.”

Real estate prices and living costs

Photo credit: Roschetzky Photography / Shutterstock

Originally from Los Angeles, Wendy Rosenthal returned home after spending 10 years living abroad to find an unrecognizable city, one in which the cost of living had skyrocketed — making it difficult to keep up with costs. So she weighed her options:

“Half of my family hails from Texas, so I’ve been visiting its vibrant cities my entire life. In the winter of 2019, while spending time with family in Austin, I decided to casually check out the local housing market,” Wendy reminisced.

“To my absolute astonishment, I discovered that for what I was paying in rent for a 3-bedroom apartment in Los Angeles, I could afford a 3-bedroom house with a huge backyard and pool in Austin for $1,000 less! Intrigued, I delved deeper into the cost of living in Texas. From business expenses to gas, electricity, and even private school fees for my son, everything was significantly cheaper.”

A healthier, more nature-oriented lifestyle

Photo credit: El Nariz / Shutterstock

“The perks didn’t end there,” says Wendy, a successful entrepreneur, author, and life coach who founded Pathfinder 1 to 1.

“The streets were wider, traffic was lighter, and nature surrounded me and lakes, creeks and nature trails were just a short, anxiety-free drive away. Plus, there was a palpable culture of healthy living; every day, you could see people of all ages out walking, running, and cycling. I felt inspired, not imprisoned.

Affordability and a dynamic cultural scene

Photo credit: Littleny / Dreamstime

Taylor Moore, an adult influencer and co-founder of Teasy Agency, says her recent move to Austin, TX, has been transformative, offering a fresh perspective on the unique benefits of this vibrant city.

“I moved to Austin from Los Angeles, California, because of its affordability, vibrant culture, and business-friendly environment,” Taylor tells us, before sharing that “Moving to Austin felt like hitting the refresh button on life. The city’s affordable cost of living and dynamic cultural scene created an irresistible blend of opportunity and excitement.”

Better work/personal life balance

Photo credit: Gsphotography / Dreamstime

“Austin is where Silicon Hills meets Southern hospitality, perfect for someone looking to balance a thriving career with a rich, fulfilling personal life,” Taylor Moore added when citing reasons why she loves living in Austin. “The bustling tech industry and burgeoning creative community provide endless opportunities for innovation and collaboration.“

She pointed out that not only is her business thriving, but her personal life is too, with the city making it easier for her to strike a balance.

“The lower taxes and friendly business environment made it an ideal place for Teasy Agency to grow and flourish. Leaving behind the concrete jungle of Los Angeles, I found in Austin a place where my professional ambitions and personal joys could coexist harmoniously.”

Both family-friendly and entrepreneurial

Photo credit: ShengYing Lin / Shutterstock

Reiterating Taylor’s point, Amy Jackson, Founder and CEO at TaleSplash says that moving to Austin inspired her to start her own business, encouraged by the city’s family-friendly yet highly entrepreneurial vibe.

“I moved to Austin at the end of 2020 after dealing with three consecutive summers of wildfire smoke, power outages, and the pandemic in Northern California,” Amy tells us. “We love how family-friendly and entrepreneurial Austin is. Moving here inspired me to start my own business.“

The city’s diversity and inclusivity

Photo credit: Marc Bruxelle / Dreamstime

Another major draw for newcomers is the city’s diverse and inclusive community. “I moved to Austin because of its reputation as a diverse and inclusive city,” says Naomi Clarke, Head of HR at Flingster, who moved here from San Francisco, California.

“As someone deeply involved in community outreach and advocacy for LGBTQ+ rights, I wanted to be in an environment where diversity is celebrated and inclusion is a priority. Austin’s vibrant cultural scene, welcoming atmosphere, and progressive values made it the perfect place to continue my work and feel at home.”

Simply fell in love with Austin while stationed here

Photo credit: Bev G / Shutterstock

A recent Texas transfer, Paden Sickles is a military veteran who launched her business, SickFit, a unique sock, streetwear, and custom embroidery company after a ruck march destroyed her feet.

“I recently moved to Texas from Savannah, GA, after transitioning from active-duty Army to civilian life. I’m still settling in, but having been stationed at Fort Cavazos (formerly Fort Hood) and living near Austin, I fell in love with the area and couldn’t wait to move back. I yearned for the culture. HEB is fantastic, but it’s really the culture, art, growth, like-minded people, and unique vibe that make it special.”

Solid benefits for military veterans

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Paden Sickles also highlights the many benefits available to military veterans living here.

“I personally believe that Texas is the top choice as far as the best state for military veterans to live. And I say that because Texas just offers so many different things: you have the no-property tax for 100% disabled veterans, you have no state income tax, and then you have the Hazlewood Act for education as well. I may be a little biased, but for my research and what I’ve done, these factors contribute to Texas being a top choice for many veterans transitioning to civilian life.”

A vibrant downtown area

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With a rich sense of history and a thriving entertainment scene, the downtown area is Austin’s beating heart. And newcomers like Rick Havacko, who handles Corporate Communications at Toshiba Business, quickly fell in love with this vibrant part of the city, going as far as calling it “one of the coolest places on the planet.”

“I moved to Austin in October 2021 from Orange County, California. I considered the move while working from home during the pandemic. When receiving approval from my employer to move, the choice was between Austin (where I had visited before and enjoyed) and Nashville, which I had heard such great things about. Upon traveling to both places in the summer of 2021, I decided to hang my hat in Austin. It almost came down to a coin flip though as both areas are so good featuring all the benefits of city life with a rural feel,” Rick said in an exclusive quote for Fancy Pants Homes.

“Beyond the obvious affordability v. California (though property taxes are much higher in Texas), the move has been one of my best decisions. Downtown Austin is one of the coolest places on the planet. It bustles with positive energy with live music at pretty much every turn & the University of Texas at Austin adds to that vibe. I would do it all over again. Happy to live in Central Texas.”

An emerging comedy scene

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Carter Morgan, an international stand-up comedian who’s now busy performing at the Edinburgh Fringe Festival in Scotland, found a completely different reason to fall in love with Austin: the city’s burgeoning comedy scene.

“I travel outside of the US for months at a time doing mini-tours and comedy festivals, so keeping an empty apartment in NYC was getting expensive. I was looking for a new scene and one of my comedy buddies told me to check out Austin,” Carter tells us.

“I can’t lie, I was skeptical at first, but he wasn’t wrong: Texas has no state taxes, cheaper rent and an emerging comedy scene with clubs like the Creek and the Cave (which is run by a NYC expat), Cap City, The Velveeta Room, Fallout Theater, Comedy Mothership, and more. They even have major comedy festivals like Moontower and SXSW Comedy. All in all, the comedy is different and raw, and the scene isn’t as diverse as NY, but there’s still a lot for comedy lovers to like.”

Do you live in Austin? We’d love to hear what you love most about the city!

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Source: fancypantshomes.com

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If you’re searching for a place to live in West Virginia that won’t break the bank, you’re in the right place. Whether you’re a student, a young professional, or just someone looking to save, this list will guide you through five of the cheapest places to live in West Virginia. 

We’ve compiled this list along with some of each area’s largest employers and most affordable attractions. Let’s dive in and explore the cheapest places to live in West Virginia, where you can stretch your dollar further while still living the good life.

1. Morgantown

Average rent: $604

Morgantown tops our list of the cheapest places to live in West Virginia, with an average rent of just $604. This city is incredibly affordable, especially if you’re looking for a studio apartment, which averages a mere $457 per month. Even a two-bedroom apartment is quite affordable here at $747, which is well below the state median. 

Morgantown is not just affordable; it’s also full of opportunity. As the home of West Virginia University, Morgantown has developed a reputation as a great place to start a career as well as one of the best West Virginia college towns. For those looking for inexpensive entertainment, the city supports plenty of free and low-cost activities. You can explore the Core Arboretum, hike the nearby Coopers Rock State Forest, or enjoy the events hosted by the university, many of which are free to the public, adding even more to the strong college town vibe.

Apartments for rent in Morgantown | Houses for rent in Morgantown | Homes for sale in Morgantown

2. Weirton

Average rent: $625

Weirton is another budget-friendly option with an average rent of $625, making it one of the cheapest places to live in West Virginia. One-bedroom apartments in Weirton average around $600, and two-bedroom units are only slightly higher at $650. 

Weirton’s economy is historically tied to the steel industry, with major employers like ArcelorMittal Steel providing jobs to many residents. Additionally, Weirton Medical Center is a significant employer. For a fun day out and about, you can enjoy the city’s parks, like Marland Heights Park, or take a scenic drive along the Ohio River. 

Apartments for rent in Weirton | Houses for rent in Weirton | Homes for sale in Weirton

3. Charleston

Average rent: $758

Charleston, the state capital, has an average rent of $758, making it an affordable option for city living. Studio apartments in Charleston are especially economical, with an average rent of just $699. One-bedroom apartments aren’t much more expensive at $750, and two-bedroom units come in at $825, which is still well below the state median.

Charleston is home to several major employers, including the State of West Virginia, Charleston Area Medical Center, and Appalachian Power. The city has more than a few affordable attractions, from the West Virginia State Museum, which is free, to the Capitol Market, where you can enjoy fresh, local produce at reasonable prices. The Haddad Riverfront Park puts on free events throughout the year, including live music and outdoor movies, making it easy to enjoy life without overspending.

Apartments for rent in Charleston | Houses for rent in Charleston | Homes for sale in Charleston

4. Wheeling

Average rent: $760

With an average rent of $760, Wheeling is another affordable city in West Virginia. One-bedroom apartments in Wheeling average $680, and two-bedroom units are around $840, keeping the city below the state median. 

Wheeling has plenty of job opportunities, particularly in healthcare and education, with major employers like Wheeling Hospital and Ohio County Schools. For outdoorsy types, Oglebay Park is the place to be for hiking, golf, and even a zoo. 

Apartments for rent in Wheeling | Houses for rent in Wheeling | Homes for sale in Wheeling

5. Parkersburg

Average rent: $798

Parkersburg’s average rent is $798. Studio apartments in Parkersburg are slightly higher than other cities on this list, but one-bedroom units average $775, and two-bedroom apartments come in at $945. Despite slightly higher rents, the overall cost of living in Parkersburg remains low compared to other options within the state.

Parkersburg’s economy is supported by major employers like WVU Medicine Camden Clark and DuPont, providing a stable job market for locals. Blennerhassett Island Historical State Park is a great spot for families and offers affordable boat rides and tours.The Parkersburg Art Center hosts low-cost art exhibits and events. The city also has a stellar farmers market, where you can support local farmers and find fresh, affordable produce.

Apartments for rent in Parkersburg | Houses for rent in Parkersburg | Homes for sale in Parkersburg

Methodology

All cities must have over 10,000 residents per the US Census and have an average rent price under the median rent price for the state – which is $854 per month according to Redfin data. Average rental data from Rent.com July 2024.

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

Source: rent.com