rural

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In the Midwest, Kansas is an American experience with its wide-open spaces, friendly communities, and rich cultural heritage. Living in Kansas means embracing a laid-back lifestyle amidst the sprawling plains and lively cities. From the bustling metropolis of Wichita, known for its aerospace industry and cultural attractions, to the charming college town of Lawrence, home to the University of Kansas, the Kansas offers various experiences for residents to enjoy. However, there are cons to living there. In This ApartmentGuide article, we’ll uncover the pros and cons of living in Kansas, so you can learn what life is like in the “Sunflower State.”

Renting in Kansas snapshot

1. Pro: Rich historical heritage

Kansas has a rich historical heritage, deeply intertwined with the story of the American West. From its role in the Civil War to its iconic cowboy culture depicted in countless tales, the state’s history is both diverse and captivating. Visitors can explore historic sites such as the Brown v. Board of Education National Historic Site in Topeka or the Old Cowtown Museum in Wichita, offering a glimpse into the past.

2. Con: Tornado Alley

Kansas, situated in Tornado Alley, experiences a high frequency of severe weather events, which can pose a safety concern for residents. The state’s susceptibility to tornadoes, particularly during the spring and summer months, necessitates preparedness and vigilance among its inhabitants.

3. Pro: Affordable cost of living

4. Con: Limited public transportation

Kansas faces challenges in public transportation infrastructure, with limited options available for residents, particularly in rural areas. While major cities like Wichita and Kansas City have some public transit systems in place, they may not be as extensive or efficient as those found in larger metropolitan areas. Consequently, cities like Lawrence has a transit score of 35, meaning there is only some transit available.

5. Pro: Expansive natural beauty

Kansas is home to expansive natural beauty, characterized by its sweeping plains, rolling hills, and scenic landscapes. From the picturesque Flint Hills in the eastern part of the state to the rugged beauty of the Gypsum Hills in the west, Kansas offers residents abundant opportunities for outdoor recreation and exploration.

6. Con: Hot summers

The “Sunflower State” experiences hot summers, with temperatures often soaring above 90°F and occasionally reaching triple digits, creating discomfort for some residents. The combination of high temperatures and humidity can make outdoor activities challenging, leading to increased risk of heat-related illnesses. If you’re moving to the area, you’ll want to take some time to adjust to the high temperatures in the summer.

7. Pro: Vibrant cultural scene

Cities like Wichita host annual events such as the Wichita River Festival, featuring live music, food vendors, and cultural performances, while Lawrence’s eclectic arts scene includes galleries, theaters, and music venues like the iconic Liberty Hall. These are just a few examples of how Kansas has a great cultural scene that has something in store for all.

8. Con: Economic dependence on agriculture

The economic dependence on agriculture can present challenges for residents, as fluctuations in crop prices and weather conditions directly impact the state’s economy. Reliance on agriculture can lead to economic instability during times of drought, floods, or market downturns, affecting job opportunities for some.

9. Pro: Small-town charm

The state exudes small-town charm, with many communities offering tight-knit neighborhoods, friendly locals, and a relaxed pace of life. Towns like Lindsborg, known as “Little Sweden,” showcase unique cultural heritage through festivals, local artisans, and quaint Main Streets lined with shops and cafes.

10. Con: Flat terrain

Kansas’ predominantly flat terrain can be perceived as a drawback for some residents, lacking the dramatic landscapes found in other regions. The absence of geographical features such as mountains or coastlines may limit outdoor recreational opportunities and scenic views.

11. Pro: Relaxed way of life

Residents often enjoy a laid-back atmosphere, where stress levels tend to be lower compared to more densely populated areas. Whether it’s leisurely conversations with neighbors on the front porch or enjoying outdoor activities like fishing in one of the state’s many lakes, Kansas fosters a sense of tranquility.

10. Con: Super windy

Kansas is renowned for its windy conditions, with gusts frequently sweeping across the plains, especially during the spring months. While wind can be invigorating, it also presents challenges such as blowing dust and debris, making outdoor activities like picnics or gardening more difficult.

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.

Source: apartmentguide.com

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If you’re tired of renting, it may be time to purchase your first home. Being a first-time homebuyer is nerve-wracking, but many of the myths about buying a home just aren’t true.

You don’t need a perfect credit score, and you don’t need 20% for a down payment. Many first-time homebuyer programs, grants, and down payment assistance programs are available to help you secure the financing you need to purchase your first home.

Key Takeaways

  • First-time homebuyer programs and grants offer various forms of financial assistance, such as low down payment options and closing cost aid, making homeownership more accessible without needing perfect credit or large down payments.
  • FHA, USDA, and VA loans provide significant benefits, including lower credit score requirements and minimal or no down payment requirements, tailored to help first-time buyers with limited resources.
  • Additional unique programs like the HUD Good Neighbor Next Door and HUD 203(k) Rehab Loans offer further advantages, like substantial discounts on home prices and funding for renovations, specifically designed to encourage public service employees and those interested in revitalizing homes.

Federal Housing Administration (FHA) Loans

FHA loans are a suitable option for first-time buyers with poor credit, or anyone who doesn’t have 20% to put toward a down payment. These loans are backed by the U.S. Department of Housing and Urban Development (HUD).

FHA Loan Requirements

If your credit score is at least 580, you qualify for minimum down payment of 3.5%. If your credit scores are between 500 and 579, you qualify with a 10% down payment. However, you should expect to receive a higher interest rate.

Here are some of the other requirements:

  • Have a steady employment history of at least two years
  • You plan to occupy this home as your primary residence
  • You’re prepared to get an FHA property appraisal

You can qualify for the FHA loan program even if you filed for bankruptcy, as long as it’s been at least two years. However, you should expect to pay for private mortgage insurance (PMI). However, you should expect to pay private mortgage insurance for the duration of the FHA loan if your LTV ratio is less than 90% at the time of closing.

If it’s lower, you’ll have to pay for 11 years (unless the home loan is paid off earlier). These proceeds are used to cover the lender if the borrower defaults on the loan.

FHA loan limits vary by area. You can view the loan limits for your area here.

Energy Efficient Mortgage Program

With this program, you can roll the cost of any energy-efficient improvements into your FHA mortgage. This won’t change your minimum down payment requirements, and the money financed for the EEM package won’t affect your loan limit. You’ll need to work with your mortgage lender to determine how much of an EEM benefit you qualify for.

Fannie Mae

With Fannie Mae, you can roll the cost of any energy-efficient improvements into your FHA mortgage. This won’t change your minimum down payment requirements, and the money financed for the EEM package won’t affect your loan limit. You’ll need to work with your lender to determine how much of an EEM benefit you qualify for.

HomeReady Mortgage Program

The HomeReady Mortgage program is ideal for first-time homebuyers who have a minimum credit score of 620. The minimum down payment is 3%, and PMI is required. If your credit score is 680 or higher, you may qualify for more competitive rates.

HomePath Ready Buyer Program

With this program, you can get up to 3% of the purchase price in closing cost assistance toward the purchase of a HomePath property. To qualify, you’ll need to complete a homebuyer education course.

You’re also limited in what you can buy. This program is only for HomePath properties, which are foreclosed homes owned by Fannie Mae.

97% LTV Mortgages

This mortgage loan could be the right option for first-time buyers that don’t have 20% for a down payment. 97% LTV mortgages from Fannie Mae allow you to make a down payment of only 3%.

You can only take out a fixed-rate mortgage for this type of loan. And the home you purchase must be your primary residence and not an investment property.

Freddie Mac

Freddie Mac is another entity that offers competitive mortgage products to consumers. Their most popular program for first-time homebuyers is the Home Possible mortgage. This mortgage is ideal for low to moderate-income borrowers in underserved communities.

Home Possible Mortgages

Buyers can choose from the 95% LTV (Home Possible) or 97% LTV (Home Possible Advantage) options. This conventional loan is not backed by the federal government, but it comes with flexible terms and low down payment minimums.

Plus, you can cancel your PMI once the loan balance reaches 79% of the home’s appraised value. And even if with no credit or bad credit, you may be eligible for a mortgage with as little as 5% down.

United States Department of Agriculture (USDA) Loans

Considering a home in a rural area? You may qualify for 100% financing through the USDA loan program.

There is no required down payment with this program, and the credit requirements are much lower than what other lenders look for. You can use this tool from the USDA’s website to see if your area qualifies. There’s a 2% guarantee fee with a USDA loan, but it can be rolled into your mortgage loan and spread across your monthly mortgage payments.

Veterans Administration (VA) Loans

If you’re an active service member, veteran, or surviving spouse, you may be eligible for a mortgage through the VA Home Loan Program.

VA loans are perfect for first-time homebuyers because the upfront costs are so low. There’s no down payment required, and you don’t have to pay for PMI. There is no minimum credit score requirement for a VA loan. However, most mortgage lenders want to see a FICO credit score of at least 580.

Native American Direct Loan

If you’re a Native American veteran looking to purchase your first home, this program may help you get the financing you need. Loans come with no down payment, minimal closing costs, and no PMI.

They are also much easier to qualify for than traditional mortgages. Your home must be located on Federal Trust Land, and the mortgage is for a 30-year term at a fixed rate.

HUD’s Good Neighbor Next Door (GNND) Sales Program

Do you work in a public service role such as law enforcement, teaching, or the fire department? Then you can receive 50% off the HUD appraised value of select homes through HUD’s GNND Sales program.

The only catch is that the home must be located in a revitalization area, and you must commit to living there for 36 months. You also need to act fast because homes are only listed for sale during a seven-day window.

HUD Dollar Homes Program

First-time homebuyers should also check out Dollar Homes offered by HUD. These are foreclosed FHA properties that have been on HUD’s website for over six months. The options may be limited, but you never know when a good deal may appear.

HUD 203(k) Rehab Loans

Do you have your eyes set on a fixer-upper? Check out HUD 203(k) loans, which are backed by the FHA and give additional funding to homebuyers who want to complete renovations. Instead of taking out a second loan, you can roll the renovation costs into the mortgage.

See also: How to Buy a HUD Home (And When You Should)

Other Homebuyer Grants and Programs

You can visit HUD’s website to learn more about programs that are available for first-time homebuyers in your area. Once you’ve selected your state, you’ll be redirected to a list of programs that you may qualify for.

National Homebuyers Fund

The National Homebuyers Fund (NHF) is available for low-income homebuyers that need down payment assistance. Once you find a participating lender, the NHF will provide a grant for up to 5% of the loan amount.

You don’t have to repay the grant, but there are income requirements based on the current housing market and your location. Your lender can provide you more information and help you determine if you qualify.

Employer-Sponsored First-Time Home Buyer Programs

Some employers are now offering housing incentives to help employees with down payments and closing costs. Your employer or labor union may give you a grant that’s forgivable over time. Check with your manager to see if they offer any kind of down payment or closing cost assistance.

Local Grants to First-Time Home Buyers

There are many state or local government grants available for first-time homebuyers. And many of these don’t require any repayment if you live in your home for a certain time frame. Contact a real estate agent and check with both your state and county to learn more about what options are available to you.

Learn More

  • What Is a NACA Mortgage? – For over two decades, NACA has been assisting borrowers in securing affordable housing through its renowned loan program. Here is an overview of how the program operates.
  • Home Loans for Single Moms – Single mothers often face challenges when trying to secure a mortgage due to having just one income and no down payment. Here are several mortgage programs available for single mothers.

Source: crediful.com

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Nestled in the heart of the Great Plains, North Dakota offers residents a unique blend of rugged natural beauty, strong community ties, and a rich cultural heritage. From the vibrant urban atmosphere of Fargo to the serene charm of Bismarck, the state capital, North Dakota captivates with its distinct sense of tranquility. However there are cons to living in this state. In this ApartmentGuide article, we’ll uncover the pros and cons of living in North Dakota, so you can learn what life is like in “The Peace Garden.”

Renting in North Dakota snapshot

Population 783,926
Avg. studio rent $610 per month
Avg. one-bedroom rent $823 per month
Avg. two-bedroom rent $923 per month
Most affordable cities to rent in North Dakota Jamestown, Minot, Dickinson
Most walkable cities in North Dakota Grand Forks, Fargo, Minot

1. Pro: Expansive natural landscapes

North Dakota offers residents vast natural landscapes to explore and enjoy, including the Badlands, Theodore Roosevelt National Park, and the prairies of the Red River Valley. These expansive areas provide opportunities for outdoor recreation such as hiking, camping, and wildlife watching where you could see some bighorn sheep.

2. Con: Harsh winter weather

North Dakota experiences harsh winter weather conditions, with frigid temperatures, heavy snowfall, and strong winds posing challenges for residents. Cities like Minot and Williston often contend with blizzards and extreme cold snaps, leading to hazardous driving conditions and disruptions to daily life.

3. Pro: Low population density

North Dakota has a low population density, which contributes to a peaceful and uncrowded living environment. With fewer people per square mile compared to more densely populated states like California, residents enjoy spaciousness and a sense of tranquility.

4. Con: Limited entertainment options

North Dakota may have fewer entertainment options, particularly in terms of cultural attractions, dining establishments, and nightlife. Cities like Grand Forks and Fargo offer some entertainment venues and events, but residents may find a lack of diversity and variety in recreational activities compared to other populous states.

5. Pro: Strong job market

North Dakota’s strong job market is fueled by its thriving energy sector, as well as opportunities in agriculture, healthcare, and technology. Cities like Bismarck offer diverse employment prospects, providing stability and opportunities for career advancement.

6. Con: Geographic isolation

North Dakota’s geographic isolation, coupled with its low population density, can contribute to feelings of isolation and limited access to services and amenities. Rural towns and communities, such as Rugby and Devils Lake, may be far removed from major urban centers and regional hubs, leading to challenges in accessing certain services.

7. Pro: Affordable cost of living

North Dakota maintains an affordable cost of living, with lower housing costs, utilities, and overall expenses compared to many other states. Cities like Grand Forks and Minot offer residents access to affordable housing options, with median home prices and rental rates below the national average. For instance, the median home price in Grand Forks is $227,000 and the average rental price for a one-bedroom is $897. These lower costs makes housing more attainable for many North Dakotans.

8. Con: Limited public transportation

North Dakota may have limited public transportation options, especially in rural areas, which can hinder residents’ mobility and access to essential services. Even in major cities like Fargo, public transportation options are limited. Fargo has a transit score of 24, meaning there is a few nearby public transportation options available for residents. This lack of public transportation infrastructure can pose challenges for individuals without access to private vehicles.

9. Pro: Clean air

North Dakota has clean air quality, with minimal pollution and pristine natural surroundings contributing to a healthy living environment. The state’s expansive rural areas and low population density help maintain air quality standards, ensuring residents can breathe fresh, unpolluted air.

10. Con: Seasonal allergies

North Dakota’s changing seasons can exacerbate allergies for some residents, particularly during the spring and fall when pollen levels are high. Cities like Bismarck and Minot may experience pollen allergies triggered by trees, grasses, and weeds, including sagebrush, ragweed, and wormwood.

11. Pro: Outdoor recreation

North Dakota offers abundant opportunities for outdoor recreation, with its vast natural landscapes and diverse terrain. Residents can enjoy activities such as fishing on Lake Sakakawea, skiing in the Turtle Mountains, or exploring the trails of Sheyenne National Grassland. For example, the Maah Daah Hey Trail provides hikers, bikers, and horseback riders with scenic vistas and challenging terrain to explore amidst the state’s natural beauty.

12. Con: Economic dependence

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.

Source: apartmentguide.com

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Living in Arkansas means immersing oneself in the tranquility of its natural landscapes, from the majestic Ozark Mountains to the winding rivers and lush forests. Whether experiencing the vibrant energy of Little Rock, the state capital and cultural hub, or savoring the quaint charm of Fayetteville, there is a lot to explore in this state. However, there are cons to living in Arkansas. In this ApartmentGuide article, we’ll uncover the pros and cons of living in Arkansas, so you can learn what life is like in “The Natural State.”

Renting in Arkansas snapshot

1. Pro: Rich natural beauty

Iconic landmarks like the Ozark Mountains, Buffalo National River, and Hot Springs National Park showcase the state’s geological and ecological diversity, attracting visitors from around the world. For example, the Ozark Mountains offer scenic hiking trails, breathtaking waterfalls, and ancient caves, providing opportunities for outdoor exploration and adventure amidst the state’s natural beauty.

2. Con: High humidity

Arkansas experiences high humidity levels, particularly during the summer months, which can create discomfort and exacerbate heat-related illnesses for residents. Cities like Little Rock and Fayetteville often contend with muggy conditions and oppressive humidity, making outdoor activities challenging during the hottest times of the year.

3. Pro: Low cost of living

Arkansas has a low cost of living, making it an affordable place to reside. Major cities in Arkansas like Little Rock and Fayetteville provide access to affordable housing options, with median home prices and rental rates below the national average. For instance, the median home price in Fayetteville is $365,000, making homeownership attainable. Rental prices are also affordable with an average price of $920 for a one-bedroom apartment in Fayetteville.

4. Con: Limited public transportation

Arkansas has limited public transportation options, especially in rural areas, which can hinder residents’ mobility and access to essential services. For instance, North Little Rock has a transit score of 19, meaning there is minimal public transportation options available. This lack of public transportation infrastructure can pose challenges for individuals without access to private vehicles.

5. Pro: Southern hospitality

The state is known for its genuine southern hospitality, where residents embody warmth, friendliness, and generosity towards others. Whether in small towns like Bentonville or larger cities like Jonesboro, Arkansans welcome visitors and newcomers with open arms, fostering a strong sense of community and belonging.

6. Con: Natural disasters

Arkansas is susceptible to various natural disasters, including severe storms, tornadoes, floods, and occasional earthquakes, which can pose significant risks to residents and property. While emergency preparedness efforts and warning systems help mitigate risks, natural disasters remain a concern for residents living in Arkansas.

7. Pro: Outdoor recreation

Arkansas has abundant opportunities for outdoor recreation, with its scenic landscapes, extensive trail systems, and picturesque lakes and rivers. For instance, destinations like the Ouachita National Forest and Lake Ouachita State Park offer pristine wilderness areas and recreational amenities, allowing residents to connect with nature.

8. Con: Limited job opportunities

Arkansas faces limited job opportunities in certain sectors, particularly in industries such as technology and finance, which may offer fewer employment prospects compared to other states. For instance, cities like Pine Bluff and El Dorado may have fewer job openings in high-tech fields like information technology and biotechnology.

9. Pro: Delicious food scene

Arkansas has a delicious food scene, characterized by its southern comfort cuisine, barbecue traditions, and farm-to-table dining experiences. For example, the annual World Championship Duck Gumbo Cookoff in Stuttgart showcases the state’s love for duck hunting and Cajun-inspired cuisine, attracting chefs and food enthusiasts from near and far to savor the flavors of Arkansas.

10. Con: Economic dependence

Arkansas’s economy is significantly dependent on industries like agriculture, manufacturing, and retail, which can leave it vulnerable to economic fluctuations. For example, cities such as Fort Smith and Jonesboro heavily rely on manufacturing, while agricultural areas like Forrest City depend on farming.

11. Pro: Hunting and fishing

Arkansas offers exceptional hunting and fishing opportunities, with its abundant wildlife, diverse habitats, and well-managed conservation areas. The state is renowned for its world-class duck hunting in the Mississippi Flyway and trophy bass fishing in lakes like Lake Ouachita and Bull Shoals Lake.

12. Con: Rural isolation

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.

Source: apartmentguide.com

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Living in Oklahoma means embracing a diverse array of experiences like urban excitement and rural tranquility. Whether you’re exploring the thriving metropolis of Oklahoma City, known for its cowboy culture and thriving economy, or immersing yourself in the eclectic charm of Tulsa, Oklahoma captivates with its warmth and hospitality. However, there are challenges to living in this state. In this ApartmentGuide article, we’ll uncover the pros and cons of living in Oklahoma, so you can learn what life is like in the “Sooner State.”

Renting in Oklahoma snapshot

Population 4,053,824
Avg. studio rent $657 per month
Avg. one-bedroom rent $722 per month
Avg. two-bedroom rent $896 per month
Most affordable cities to rent in Oklahoma Ponca City, Shawnee, Enid
Most walkable cities in Oklahoma Bethany, Tulsa, Stillwater

1. Pro: Expansive outdoor activities

Oklahoma offers a diverse range of outdoor activities, from the serene landscapes of the Wichita Mountains to the water sports paradise of Lake Eufaula. The state’s varied geography allows for hiking, fishing, and camping, providing residents with ample opportunities to enjoy nature and stay active.

2. Con: Tornado risk

The “Sooner State” is located in Tornado Alley, making it prone to severe weather events, including some of the most powerful tornadoes in the United States. This risk can lead to property damage and poses safety concerns for residents, especially during the peak tornado season. It’s essential to take necessary precautions to safeguard both your home and yourself from these natural disasters.

3. Pro: Rich cultural heritage

The state is steeped in Native American history, offering numerous cultural experiences such as the Red Earth Festival in Oklahoma City. Museums and cultural centers across the state celebrate Oklahoma’s indigenous heritage, providing educational and enriching experiences for residents and visitors.

4. Con: High humidity

Oklahoma experiences high humidity levels, especially during the hot and humid summer months, which can be uncomfortable for residents. The combination of high temperatures and humidity can lead to feelings of stickiness and discomfort, making outdoor activities less enjoyable.

5. Pro: Affordable cost of living

Compared to many other states, Oklahoma boasts an affordable cost of living. Housing, utilities, and daily expenses are generally lower, allowing residents to enjoy a comfortable lifestyle without the financial strain experienced in more expensive regions. In fact, in major cities like Tulsa, the average rent for a one-bedroom apartment is $899, making it an attractive option for those looking for affordable rentals.

6. Con: Limited public transportation options

In many areas of Oklahoma, public transportation options are limited, making it challenging for those without personal vehicles to navigate the state. This can be particularly problematic in rural areas, where distances between destinations are greater and services are sparse. Bethany is a prime example of a city with limited transportation as the transit score is 8, meaning there is minimal transit found in that city.

7. Pro: Friendly communities

Oklahoma is known for its warm and welcoming communities. The state’s small-town feel, even in larger cities, fosters a sense of belonging and support among residents, making it an attractive place for those seeking a tight-knit community atmosphere.

8. Con: High wind speed

Oklahoma’s open plains and prairies contribute to high wind speeds, which can be a downside for residents. These strong winds can cause property damage, power outages, and safety hazards, particularly during severe weather events like thunderstorms and tornadoes.

9. Pro: Vibrant local food scene

Oklahoma’s food scene is a hidden gem, with a mix of traditional Southern cuisine, Native American dishes, and modern culinary innovations. Whether you’re craving smoky barbecue from iconic joints like Leo’s Barbecue in Oklahoma City or savoring farm-to-table fare at trendy restaurants like The Bramble Breakfast & Bar in Tulsa, the state offers a rich dining experience that reflects its multicultural heritage.

10. Con: Economic dependency on oil and gas

The state’s economy is heavily reliant on the oil and gas industry, which can lead to economic instability during periods of low energy prices. This dependency affects job security and economic growth, posing challenges for residents dependent on these sectors.

11. Pro: Low taxes

Oklahoma has relatively low taxes, making it an attractive destination for retirees. Additionally, Oklahomans pay around $457 less than the 50 state average, allowing residents to keep more of their earnings. In fact, Oklahoma is ranked number 7 for the lowest income tax tax burden in the nation.

12. Con: Vibrant local food scene

Oklahoma’s distance from major cities can result in longer travel times and limited access to certain amenities. For instance, the state is several hours’ drive from cities like Dallas, TX, and Kansas City, MO, making it less convenient for residents to access larger urban centers for shopping, entertainment, or specialized services.

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.

Source: apartmentguide.com

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Living in Indiana provides residents a blend of urban excitement and small-town charm. Here, residents enjoy a laid-back lifestyle amidst bustling city centers and scenic countryside. From the dynamic energy of Indianapolis, the state’s capital and cultural hub, to the historic allure of towns like Bloomington, home to Indiana University, the “Hoosier State” provides a diverse range of experiences. However, there are cons to living there. In this ApartmentGuide article, we’ll dive into the pros and cons of living in Indiana to give you some insight into what life is like.

Renting in Indiana snapshot

1. Pro: Vibrant cultural festivals

Indiana is home to a variety of cultural festivals that celebrate its rich heritage and diverse communities. The state hosts events such as the Indy Film Fest and the Feast of the Hunters’ Moon in West Lafayette, providing residents and visitors a chance to experience the arts, history, and culinary delights of different cultures.

2. Con: Tornadoes and flooding risk

The “Hoosier State” faces certain risks such as tornadoes and flooding, particularly in the spring and summer months. Tornadoes can occur sporadically throughout the state, posing a threat to residents and property, while heavy rainfall can lead to flash flooding in low-lying areas.

3. Pro: Affordable cost of living

The cost of living in Indiana is relatively low compared to many other states. This affordability is evident in housing, utilities, and daily expenses, making it an attractive place for people looking for a more manageable financial lifestyle. Evansville, is a great example of this affordability as it has a median home sale price of $152,450 and an average rental price of $777 for a one-bedroom apartment.

4. Con: Limited public transportation

Indiana’s public transportation options are limited, especially in rural and suburban areas. This can pose challenges for those who do not own a vehicle or prefer not to drive, impacting their ability to easily access certain amenities. For instance, Terre Haute has a transit score of 19, meaning that almost all errands require a car.

5. Pro: Educational opportunities

Indiana has a strong educational system, with prestigious institutions like Purdue University in West Lafayette and Indiana University Bloomington. These universities not only provide excellent higher education opportunities but also contribute to local economies and cultural vibrancy.

6. Con: Air quality concerns

Some areas in Indiana face air quality issues, largely due to industrial activities and vehicle emissions. Since most residents rely on their cars to get around, Indiana has a reputation of facing pollution, especially in larger cities like Indianapolis. This environmental concern can affect residents’ health, particularly those with respiratory conditions, and efforts are ongoing to address and improve air quality across the state.

7. Pro: Thriving sports culture

Indiana has a rich sports culture, with a passionate following for basketball at all levels. From high school to professional leagues, with teams like the Indiana Pacers and the Indianapolis Colts. The state also hosts significant sporting events, such as the Indianapolis 500, attracting fans from around the world.

8. Con: Seasonal allergies

Indiana’s climate and diverse vegetation contribute to high seasonal allergies, with pollen levels often peaking in the spring and fall. Common allergens include tree pollen from species like oak, maple, and birch, as well as grass pollen during the summer months.

9. Pro: Natural beauty and outdoor activities

From the sand dunes of Indiana Dunes National Park along Lake Michigan’s shores to the scenic trails and waterfalls of Turkey Run State Park, there are ample opportunities for hiking, camping, and exploring nature. Additionally, Indiana’s numerous lakes, rivers, and reservoirs offer opportunities for fishing, boating, and water sports, providing endless recreational options.

10. Con: Limited job opportunities

Indiana, while home to thriving industries like manufacturing and healthcare, may offer limited job opportunities in specialized fields compared to larger urban areas. For example, in rural areas, residents may find fewer job openings in sectors such as technology or finance, requiring them to seek employment in larger cities.

11. Pro: Community spirit

Indiana is known for its strong sense of community and hospitality. Neighborhoods and towns across the state host local events, from farmers’ markets to county fairs, fostering a sense of belonging and togetherness among residents.

12. Con: Infrastructure challenges

Despite ongoing improvements, Indiana faces infrastructure challenges, including aging roads and bridges. In fact, Indiana received a C- on its 2021 Infrastructure Report Card highlighting the need for road repair. These issues can impact travel efficiency and safety, and addressing them is a priority for ensuring the state’s continued growth and development.

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.

Source: apartmentguide.com

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In the Pacific Northwest, Idaho, with its rugged landscapes, outdoor adventures, and small-town charm, is an adventurous state to call home. Known as the “Gem State” for its rich natural resources and stunning scenery, Idaho offers a unique blend of urban convenience and rustic tranquility. From the bustling streets of Boise, the state’s vibrant capital, to the quaint atmosphere of Coeur d’Alene, Idaho exudes a sense of community and warmth that resonates with residents and visitors. However, there are challenges to living there. This ApartmentGuide article will take you through the pros and cons of living in Idaho so you can get some insight on what to expect.

Renting in Idaho snapshot

1. Pro: Stunning natural landscapes

From the rugged peaks of the Sawtooth Mountains to the tranquil shores of Lake Coeur d’Alene, the state’s diverse terrain captivates with its beauty. Iconic landmarks such as Shoshone Falls, often referred to as the “Niagara of the West,” and the vast wilderness of the Frank Church-River of No Return Wilderness Area showcase the state’s pristine natural beauty, drawing outdoor enthusiasts and nature lovers from near and far.

2. Con: Limited public transportation

One of the drawbacks of living in Idaho is the limited public transportation infrastructure, particularly in rural areas, which can pose challenges for residents who rely on public transit. Larger cities in Idaho like Boise offer some bus services, but coverage may be sparse, making it difficult for commuters to access employment centers or navigate the city without a personal vehicle.

3. Pro: Low cost of living

Idaho boasts a low cost of living compared to many other states, making it an attractive destination. Cities like Idaho Falls provide residents access to affordable housing options, with a median home sale price of $329,900 and an average rental price for a one-bedroom apartment standing at $1,045. Additionally, everyday expenses such as groceries, utilities, and healthcare are generally more affordable in the state.

4. Con: Seasonal allergies

Idaho’s diverse flora and seasonal changes contribute to high pollen levels, triggering allergies for many residents. Springtime brings pollen from trees like cottonwood, birch, and juniper, while summer and fall see increased pollen from grasses and weeds.

5. Pro: Friendly communities

Idaho is known for its friendly and welcoming communities, where neighbors still know each other by name and a strong sense of camaraderie prevails. Small towns like Sandpoint and McCall epitomize this warmth and hospitality, fostering tight-knit communities where residents support one another and take pride in their shared heritage.

6. Con: Limited job opportunities in certain sectors

While Idaho’s economy is diverse, certain sectors may offer limited job opportunities compared to large metros. Industries like technology and healthcare thrive in cities such as Boise, but residents in rural areas may face challenges finding employment in specialized fields.

7. Pro: Low traffic congestion

Idaho’s relatively low population density translates to minimal traffic congestion, offering residents shorter commute times and less stress on the road. Even in urban centers like Boise and Idaho Falls, commuters enjoy smoother traffic flow compared to larger metropolitan areas.

8. Con: Harsh winter weather

Idaho experiences harsh winter weather conditions, particularly in mountainous regions, which can pose challenges for residents. Heavy snowfall, freezing temperatures, and icy road conditions can disrupt daily life, leading to transportation difficulties and safety concerns.

9. Pro: Four distinct seasons

From skiing and snowboarding in the winter to hiking and camping in the summer, each season brings its own unique charms and opportunities for adventure. In the fall, vibrant foliage dot the landscapes in red and gold, while spring brings blooming wildflowers and warmer days ahead. These distinct seasons provide recreational opportunities for residents all year long.

10. Con: High elevations

Living in Idaho means residing at high elevations in many areas, which can have implications for health and well-being. Cities like Ketchum and Hailey, located in the Sun Valley region, sit at elevations above 5,000 feet, which may cause altitude-related issues for some residents, such as altitude sickness and dehydration.

11. Pro: Thriving arts scene

The thriving arts scene in Idaho gives residents the access to a vibrant array of artistic expressions and performances. For instance, Sun Valley host art galleries, theaters, and music venues that showcase local talent and attract artists from around the world. Annual events like the Sun Valley Film Festival, known for its celebration of independent cinema, further enrich Idaho’s cultural landscape.

12. Con: Wildfire risk

Idaho’s dry climate and extensive forested areas increase the risk of wildfires, particularly during the summer months. Residents in rural and mountainous regions, such as those near Boise National Forest or Sawtooth National Forest, may face evacuation orders and property damage due to wildfires.

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from Redfin.

Source: apartmentguide.com

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Explore the diverse landscapes and cultural richness of Illinois, affectionately known as the “Land of Lincoln.” From the cityscape of Chicago to the tranquil expanses of rural farmland, the state has something that caters to various lifestyles. However, living in Illinois presents its own challenges, including the high taxes and traffic congestion in urban areas. In this ApartmentGuide article, we’ll examine the pros and cons of living in Illinois, providing you with valuable insights into life in the “Land of Lincoln.”

Renting in Illinois snapshot

Population 12,549,689
Avg. studio rent $1,309 per month
Avg. one-bedroom rent $1,544 per month
Avg. two-bedroom rent $1,928 per month
Most affordable cities to rent in Illinois Mattoon, Herrin, Charleston
Most walkable cities in Illinois Oak Park, Chicago, Evanston

1. Pro: Diverse job opportunities

Illinois has a diverse economy that provides residents with a wide range of job opportunities across various industries. Cities like Chicago serve as major hubs for finance, technology, healthcare, and manufacturing, offering employment prospects for professionals with diverse skill sets. Additionally, Illinois is home to numerous Fortune 500 companies, including Boeing, Caterpillar, and Archer Daniels Midland, which contribute to the state’s robust job market.

2. Con: Severe winters

The harsh winters in Illinois bring bone-chilling temperatures and heavy snowfall, posing challenges for residents in commuting and daily activities. The bitter cold often leads to increased heating costs and potential hazards such as icy roads and frostbite. For those unaccustomed to such extreme weather, the long winter months can be a significant drawback to living in Illinois.

3. Pro: Access to great education

Illinois is renowned for its prestigious educational institutions, giving residents access to world-class education at all levels. Universities like the University of Chicago, Northwestern University, and the University of Illinois at Urbana-Champaign, provide an exceptional academic program and research opportunities.

4. Con: High taxes

Illinois is known for its relatively high taxes, including property taxes and income taxes, which can place a significant financial burden on residents. For instance, Illinois is ranked number 9 in the nation for highest taxes. These taxes often contribute to the state’s overall cost of living, making it a less attractive place to live.

5. Pro: Strong sports culture

Chicago, in particular, is home to iconic sports franchises such as the Chicago Cubs, Chicago White Sox, Chicago Bulls, and Chicago Bears, fostering a sense of community and pride among residents. Outside of Chicago, Illinois offers a diverse range of sports and recreational activities. Cities like Peoria are known for their rich baseball history, with the Peoria Chiefs providing entertainment for fans.

6. Con: Traffic congestion

Traffic congestion is a prevalent issue in Illinois, particularly in urban areas like Chicago, where gridlock during rush hours is a common frustration for commuters. The heavy traffic not only leads to longer commute times but also contributes to increased air pollution and fuel consumption, impacting both the environment and residents’ quality of life.

7. Pro: Diverse culinary scene

Illinois’ diverse population contributes to a vibrant culinary scene, offering residents a wide array of dining options to suit every palate and preference. From trendy bistros to cozy cafes, Evanston offers an array of dining options ranging from global fusion cuisine to locally sourced farm-to-table fare. Larger cities like Chicago are renowned for their diverse and innovative food scene, with Michelin-starred restaurants, ethnic eateries, and local favorites lining the streets. From deep-dish pizza and Chicago-style hot dogs, Illinois has various options sure to cater to your cravings.

8. Con: Poor air quality in some metros

Chicago often experience poor air quality due to factors such as vehicle emissions and industrial activities, which can exacerbate respiratory issues and decrease overall well-being. Additionally, agricultural runoff from the state’s extensive farmlands can contribute to water pollution, impacting both ecosystems and public health.

9. Pro: Vibrant arts and music scene

Illinois boasts a vibrant arts and music scene, with numerous theaters, galleries, and performance venues showcasing local and international talent. Chicago’s theater district, home to iconic institutions like the Goodman Theatre and Steppenwolf Theatre Company, offers residents a rich cultural experience with world-class productions and performances. Additionally, cities like Champaign-Urbana contribute to the state’s scene with Krannert Center for the Performing Arts and the University of Illinois’ renowned School of Music.

10. Con: Natural disaster risk

Illinois faces natural disaster risks, including tornadoes that can wreak havoc across the state, such as the devastating tornado outbreak in 2013 that caused significant damage in communities like Washington and Coal City. The state’s proximity to the New Madrid Fault Zone also poses a seismic risk, with the potential for earthquakes to occur, although less frequent than tornadoes.

11. Pro: Affordable housing options

Illinois provides a range of affordable housing options, especially in suburban and rural areas surrounding major urban centers such as Chicago. Cities like Rockford and Springfield exemplify this affordability, offering residents access to reasonably priced homes and apartments. For instance, in Rockford, the median home sale price stands at $152,000, while the average rent for a one-bedroom apartment is $837, making it an attractive option for those seeking affordable housing in the state.

12. Con: Crowded tourist seasons

Illinois experiences crowded tourist seasons, particularly in popular destinations like Chicago, where attractions such as Navy Pier and Millennium Park draw large crowds throughout the year. The influx of tourists can lead to congested streets, longer wait times at restaurants and attractions, and increased competition for housing and parking spaces, impacting the daily lives of residents.

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.

Source: apartmentguide.com

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In the northeastern corner of the United States, Maine beckons with its rugged coastline, picturesque landscapes, and rich maritime history. Known as the “Pine Tree State” for its dense forests of evergreen trees, Maine offers a unique blend of coastal charm and rustic tranquility. From the vibrant streets of Portland, the state’s cultural hub, to the serene beauty of Bar Harbor nestled along the Acadia National Park, Maine embodies a lifestyle deeply rooted in nature and community. However, living in Maine does present its own set of challenges. In this ApartmentGuide article, we’ll dive into the pros and cons of living in Maine to give you some insight on what life is like in the “Pine Tree State.”

Renting in Maine snapshot

1. Pro: Stunning natural landscapes

Maine’s natural landscapes are breathtaking, offering residents and visitors a chance to immerse themselves in the beauty of its coastal areas, forests, and mountains. Acadia National Park, for example, provides a perfect backdrop for hiking, biking, and photography, showcasing the state’s rugged coastline and forest.

2. Con: Harsh winters

Maine experiences harsh winters with heavy snowfall, freezing temperatures, and icy conditions. This can make daily life challenging, from commuting to maintaining a home. The need for winter tires, snow removal equipment, and higher heating bills are common concerns during the colder months.

3. Pro: Rich maritime history

The state’s rich maritime history is a source of pride and a significant draw for history enthusiasts. Coastal towns like Portland and Bar Harbor are steeped in seafaring tradition, with museums, historic lighthouses, and waterfront dining that highlight Maine’s connection to the sea.

4. Con: Limited public transportation

Public transportation options in Maine are limited, especially in rural areas. This can pose a challenge for those who do not drive or prefer not to rely on a car. While major cities like Portland offer some public transit services, the transit score is 4, meaning the coverage is not extensive, and most errands require a car.

5. Pro: Vibrant local food scene

Maine’s local food scene is renowned for its emphasis on fresh, locally-sourced ingredients, especially seafood. Lobster, clams, and farm-to-table restaurants are abundant, offering residents and visitors a taste of the state’s culinary excellence. Portland, in particular, is known for its innovative eateries and food festivals like A Taste of Nations Food Festival.

6. Con: High taxes

Coming in at number 9 particularly in terms of property taxes and income taxes, Maine ranks among the states with some of the highest taxes in the nation. For instance, the property tax rate stands at 1.09% meaning those wanting to jump to homeownership may face a significant financial burden, which can impact overall affordability.

7. Pro: Close-knit communities

Maine is known for its close-knit communities, where neighbors often form strong bonds and support each other. This sense of community is especially evident in smaller towns like Camden and rural areas, where local events, farmers’ markets, and community gatherings are a staple of daily life.

8. Con: Limited nightlife and entertainment options

While Maine offers a tranquil and scenic living environment, it may lack the nightlife and entertainment options found in larger cities. Residents looking for a vibrant nightlife scene, extensive shopping, or a wide variety of cultural events may find the options in Maine more limited.

9. Pro: Quaint coastal villages

Maine’s quaint coastal villages, such as Camden and Bar Harbor, offer residents a picturesque setting with charming architecture, scenic harbors, and vibrant local culture. In Camden, residents enjoy strolling along the historic streets lined with boutique shops and art galleries, while in Bar Harbor, the bustling waterfront is dotted with seafood restaurants serving fresh lobster and clam chowder.

10. Con: Seasonal tourism impact

The influx of tourists during peak seasons, especially summer and fall, can lead to crowded attractions, increased traffic, and higher prices in tourist hotspots. While tourism is a vital part of Maine’s economy, it can sometimes detract from the quality of life for year-round residents.

11. Pro: Access to outdoor activities

Maine’s diverse landscape offers unparalleled access to a variety of outdoor activities, from skiing and snowboarding in the winter to kayaking, fishing, and hiking in the warmer months. The state’s natural beauty encourages an active lifestyle and provides endless opportunities for adventure and relaxation.

12. Con: Remote location

Maine’s remote location in the northeastern corner of the United States can make travel to and from other parts of the country more time-consuming and expensive. This can be a drawback for those who frequently travel for work or pleasure, or who have family and friends living in other states.

Methodology : The population data is from the United States Census Bureau, walkable cities are from Walk Score, and rental data is from ApartmentGuide.

Source: apartmentguide.com