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You’ll immediately feel at home when moving to one of the best neighborhoods in Minneapolis. Neighbors will hold doors open, let you cut in line and say, “Thank you.” A lot.

People here will also politely tell you that the Twin Cities consist of Minneapolis and St. Paul, along with dozens of suburbs, if you mistakenly call Minneapolis the Twin Cities.

They’ll also give you plenty of advice when looking for a great neighborhood for you to hang your (hopefully) Vikings hat.

Here’s a look at some of the best neighborhoods in Minneapolis.

Named after Marge Armatage, the first woman elected to a Minneapolis public office after winning her race for the Board of Park Commissioners in 1921, the neighborhood in southwest Minneapolis honored her by naming a park after her. With walking paths, ice rinks and more, the park is a key attraction in the neighborhood.

A friendly area, Armatage is great for families and couples. Close to the Southdale shopping center, as well as local coffee houses such as Sparrow Coffee, it’s easy to feel at home and part of the neighborhood.

Located in northeast Minneapolis, Audubon Park honors famed naturalist John James Audubon. Featuring an urban feel of about 5,000 residents, the neighborhood is home to Audubon Park, offering a natural getaway with walking trails among tall trees. As part of the Grand Rounds National Scenic Byway, the trail runs through the area near Deming Heights Park.

The iconic Hollywood Theater called the area home during its heyday and locals seek to revitalize the nearly 90-year-old Art Deco building.

Locals enjoy grabbing a meal or takeout from the Holy Land Bakery, Grocery and Deli, where you can enjoy Mediterranean items. Spyhouse Coffee is a great spot to grab a cup of locally roast brew.

With the downtown skyline in the background, the Bryn Mawr neighborhood is home to Theodore Wirth Park, the largest park in Minneapolis. You’ll find an 18-hole golf course, a disc course and ample trails perfect for cross-country skiing or snow-shoeing during the winter. The area is also part of the Grand Rounds National Scenic Byway.

While a quiet, quaint neighborhood with friendly residents, Bryn Mawr has easy access to downtown Minneapolis, as well as shopping and dining, such as Cockadoodledo Gifts, offering a mix of vintage and contemporary items. Cuppa Java is an excellent spot for a warm drink and a quick bite.

Bordering three lakes, the Cedar Isles-Dean neighborhood is one of the more affluent areas of Minneapolis, with most residents earning more than $100,000. The neighborhood takes its name from two of its lakes, Cedar Lake and Lake of the Isles, and the Dean Parkway, which runs through the middle of the district.

The third lake, Bde Maka Ska (Dakota for Lake White Earth), is the largest body of water in Minneapolis. You’ll often find sailboats among the kayaks, canoes and motorboats patrolling the waters during summer.

Architecture enthusiasts will want to drive by the Freida and Henry J. Neils House, named for its original owners and a house designed by Frank Lloyd Wright. The L-shaped one-story house was built in Wright’s Usonian style, a name he gave the design he considered defining the United States.

The population of about 3,000 residents can enjoy shopping at outlets, such as Greenway Lakes Commons and Cedar Commons.

With the Mississippi River as one of its borders, Downtown East is a fantastic neighborhood to call home. With the Mill City Museum and the nearby Stone Arch Bridge as attractions, you can also catch concerts and shows at the Guthrie Theater. The Minnesota Vikings play at U.S. Bank Stadium, which is in the heart of the neighborhood. Architecture enthusiasts will enjoy checking out older buildings, such as City Hall.

A popular neighborhood for younger professionals, Downtown East is home to Day Block Brewing Company, a popular watering hole and restaurant. Locals also enjoy dining at Sawatdee, a neighborhood favorite since the mid-1980s.

With nearly 5,800 residents, Downtown West is the heartbeat of downtown, home to several corporations. Nicollet Mall runs about 12 blocks long on the neighborhood’s northwest side and includes several restaurants, such as The News Room. A popular attraction along Nicollet near 7th Street is the statue of Mary Tyler Moore. Erected in 2002 to celebrate the star of the hit show based in Minneapolis, it’s a great spot for selfies.

The Walker Art Center borders the neighborhood on the north end. With its contemporary art pieces and its famous sculpture garden — starring the often-photographed Spoonbridge (Spoon with a cherry) — the art center is a fun place to visit and enjoy a walk.

Downtown West is a great neighborhood for singles and young couples. Situated near Loring Park, Downtown West is a politically liberal and LGBT-friendly area.

Once a farm community, King Field has grown into a neighborhood popular with young professionals and couples. With farmers markets and unique dining experiences, such as Cuban at Victor’s 1959 Café or Filipino at Apoy, the area is sure to challenge your palate. King Field features ample free parking at several establishments, as well as free bus rides along Nicollet Mall. You can visit with friends over coffee at Five Watt Coffee.

History buffs and outdoor enthusiasts love calling the Linden Hills neighborhood home. Between museums, such as the Minnesota Streetcar Museum and Bakken Museum, you can learn about the area’s history. Living along Bde Maka Ska, the largest lake in Minneapolis and part of the Chain of Lakes, outdoor activity is almost unlimited, with three miles of trails and plenty of water activities, such as swimming and boating.

A neighborhood popular with families, couples and young professionals, it’s easy to find outstanding dining options, such as Martina, with its Italian cuisine, and Old Southern BBQ. Locals also enjoy unique shopping opportunities, including Wild Rumpus, a book store with a unique story.

Loring Park has long been a gathering spot for Minneapolis residents. Home to major celebrations, including the Gay Pride Festival and the Loring Park Art Fair, the area is one of the most beautiful in the Twin Cities. With the country’s first basilica — Basilica of St. Mary — you can take in its Beaux-Arts architecture and ornamental art inside the church.

For more than 80 years, the Walker Art Center has provided a taste of art and culture to the neighborhood, with several exhibits inside the building and amazing sculptures outside in the sculpture garden. You’ll find the world-famous Spoonbridge (spoon and cherry) in the heart of the garden.

With unique restaurants, such as Lotus Restaurant — offering its take on Vietnamese cuisine — and Café Lurcat, bringing a nouveau twist to American fare.

Only a few minutes west of downtown, the Lowry Hill neighborhood is the perfect spot for young professionals, couples and families. With local parks offering walking paths, areas to relax and spend time outdoors, the area started as a rural community. Today, the nearby Walker Art Center hosts the annual Rock the Garden Festival.

Whether they prefer pancakes for breakfast or a burger for dinner, The Lowry is a popular choice for locals. Enjoy local craft beer at Sisyphus Brewing, where they also host weekly stand-up comedy shows.

There’s seemingly a little of everything in the Lyn Lake neighborhood of Minneapolis. The community’s hot spots meet at the intersection of Lake Street and Lyndale Avenue. With a plethora of dining establishments, such as World Street Kitchen, which grew from a food truck and features almost everything from Asian and Mediterranean to Caribbean, the neighborhood is a great place to sample amazing menus.

An area popular with young professionals, couples and singles, Lyn Lake offers unique neighborhood gems, such as Bryant Lake Bowl and Theater, where you can bowl 10 frames or catch a show. Up-Down Minneapolis features 50 vintage arcade games from the 1980s-90s, as well as a variety of beer on tap for a fun-filled trip down memory lane.

A family-friendly neighborhood, Lynnhurst features plenty of fun activities for all ages. Centrally located in Minneapolis, residents have easy access to public parks and trails, such as Minnehaha Creek Park, home to canoeing, hiking and picnicking. The Lynnhurst Recreation Center offers youth activities, sports leagues and an ice skating rink.

Lake Harriet Pizza is a popular choice for pizza night, as the eatery creates craft pizzas for takeout or delivery. Couples enjoy dining at Broders’ Pasta Bar, as well as a twist on Mexican cuisine at Colita, where you can sample lamb barbacoa tacos.

Named for nearby Lake Nokomis, this neighborhood is perfect for outdoor activities. Anchoring one of the best neighborhoods in Minneapolis, Minnehaha Falls is a major attraction in Nokomis. While you can canoe Minnehaha Creek, you’ll want to hike the trail that takes you within a few feet of the 53-foot-tall waterfall.

With trails that offer fun winter sports, such as cross country skiing or snow-shoeing, the area is perfect for nature enthusiasts. Longfellow Gardens also offers an opportunity to enjoy the outdoors with a walk through the botanical garden.

Popular with locals and tourists, Matt’s Bar and Grill is the home of the Jucy Lucy since 1954, two burgers cooked around a small block of cheese that melts as they cook. It’s best to let the Jucy Lucy sit for a few minutes, so you don’t burn your mouth with the first bite as the cheese oozes out.

Considered one of the most “hipster” neighborhoods in the city, North Loop has grown from an old, dilapidated warehouse district to a vibrant art and entertainment area, home to some of the city’s best restaurants, bars and retail outlets.

From eateries, such as Parlour and North Loop Galley, to bars, including Kieran’s Irish Pub, and shops such as Statement Boutique and Grethen House, North Loop is an exciting neighborhood for young professionals, couples and singles looking to live in a thriving area.

Sports fans will enjoy catching a Twins baseball game at Target Field or Timberwolves and Lynx hoops at Target Center.

A neighborhood that mixes the old with the new, Northeast Minneapolis is an art lover’s dream community. For more than 25 years, nearly 1,000 artists have gathered for one of the largest outdoor art studio tours in the country, as Art-a-Whirl calls Northeast Minneapolis home. With the neighborhood’s European-style cobblestone streets, the area is one of the most walkable in the Twin Cities.

Outdoor enthusiasts love visiting Boom Island Park, with hiking and biking trails, as well as picnicking spots. Once used as a logging station, the park is a favorite with locals, offering great views of the area.

As Northeast Minneapolis has developed, the area has become home to some of the most popular restaurants in the area, including Hai Hai, which features Southeast Asian cuisine, and Betty Danger’s Country Club, known for its outdoor Ferris wheel. The neighborhood is also home to outstanding craft breweries, such as Broken Clock Brewing Cooperative.

With restaurants, such as Young Man and its Asian menu highlighting Hawaiian, Indonesian and Japanese cuisine, Southwest Minneapolis is an active, vibrant community open to a variety of backgrounds.

A popular area with young professionals, couples and single people, Southwest Minneapolis invites residents to check out unique attractions, such as Game Show Battle Rooms, which matches teams in a classic game show escape rooms. Lake Harriet is a popular spot with boating, swimming and winter sports.

Within walking distance of the University of Minnesota, St. Anthony West is also close to downtown Minneapolis, which professionals and retirees both find inviting. Located in one of the oldest and best neighborhoods in Minneapolis, St. Anthony West is home to Boom Island Park, a popular spot for hiking and biking.

Residents enjoy catching a light, relaxing dinner at Aster Café, with its menu featuring beet salad, shawarma bowl and brisket tacos. Before or after catching a movie at the historic St. Anthony Main Theatre, grab a bite and a glass of wine at Pracna on Main, one of the city’s oldest restaurants.

Offering an eclectic array of attractions and restaurants, who doesn’t want to live in the Uptown neighborhood? With Uptown Theatre and bars, such as The Fremont, the area attracts young professionals and college students, creating one of the best neighborhoods in Minneapolis.

At the same time, older couples and retirees enjoy the area and its easy access to parks and lakes, such as Bde Maka Ska and Cedar Lake, but also the restaurants, including Barbette and dishes, such as sweet potato risotto.

With its namesake park as the neighborhood anchor, Waite Park is definitely a residential neighborhood. Most restaurants and shopping opportunities are in neighboring districts, such as Audubon Park and Northeast Minneapolis. The area is an excellent residential area for families, couples, and young professionals, who enjoy a quiet lifestyle, with plenty of walking and biking opportunities.

With a diverse population, the Whittier neighborhood has been known through the years for an eclectic feel. The area’s art scene is strong, with the Minneapolis Institute of Art and Walker Art Center near the neighborhood. The Hennepin History Museum offers a look at the county’s past.

Popular with young professionals and couples, Nicollet Avenue offers several choices for dining, with restaurants such as Icehouse, which features American fare, along with drinks and music, and Quang, which offers a Vietnamese menu.

Moving to Minneapolis

As you plan your move to Minnesota’s largest city, look for the neighborhood that appeals to you the most. Is it being close to work? Or, maybe you prefer sports, arts or being outdoors. Whatever your interest, Minneapolis has the perfect home for you.

Source: rent.com

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There are plenty of trends that used to be mostly popular among the low-middle income people that changed when they became popular with rich people. Whether it is a band, a clothing style, or a hobby, nothing remains the same once wealth and status get involved. But what are some of the things that poor people loved before they were spoiled by the wealthy? Here, we look at 20 things that once brought joy to those without much money—until their newfound popularity caused them to be re-crafted as symbols of luxury and extravagance. 

1. Industrial, Warehouse Apartments

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One user shared, “Living in warehouses in the industrial, rundown side of town.”

Another user agreed and commented, “Yes! They tore down all the real lofts to build condos they call lofts.”

2. Etsy

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“Etsy,” posted one user.

Another user commented, “There are SO many accounts for cheap stuff from China that you could get on many other websites as well. No, I come to Etsy for homemade stuff and to support artistic individuals.”

One user added, “Yep, I remember trying to avoid the temptation of Shein by almost buying some unique pearl belly dance waist chains from there for 20 dollars. Dear reader, they were from Shein, without the tags and with a hefty 200% price increase. Thank God for the reviewer who exposed them.”

3. Food banks

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One Redditor unfolded the riches’ hack and posted, “Food banks. My local food bank put out a news article basically saying that rich people need to stop using the food bank as a ‘life hack’ to lower their grocery bills.”

One user grasped and commented, “OMG. That’s so evil. Some people really have no conscience.”

4. Living in Arty Neighborhoods

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One Redditor shared, “Living in arty neighborhoods.”

Another user replied,” This is what I was looking for. Creative poor people have been investing in poor neighbourhoods forever. They use their talent to make it an excellent place they enjoy living in. The rich say, ‘Hey, I want to be cool, let’s buy this.’ And then they price the poor out of the haven they created and turn it into a stale, crowded, overpriced place. TL;DR—Gentrification”

5. Champion Brand Clothes

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“Champion brand clothes. I had a lot when I was a kid because it was the cheapest possible, and now all that s- is considered ‘vintage,’” posted one user.

Another responded, “Reminds me of Fila and Puma.”

6. eBay

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An online Redditor commented, “Ebay. It used to be so useful to get all kinds of cheap or unique things. Then more and more big commercial sellers joined the club, and eventually, eBay itself forgot about what and who made their platform a success in the first place.”

“I’ve had my eBay account since ’98 when you had to send physical checks/money orders through the mail. It felt like an online flea market or garage sale where you’d get to know certain buyers and sellers. Feedback was critical, and you never bid on something you didn’t plan to buy because any hit to your reputation was a huge deal.

“It was a nice little collecting community until they allowed resellers of knock-off goods in and turned the whole thing into another Amazon. I occasionally still sell collectibles, but the number of people who don’t bother paying is huge now. I miss old eBay,” stated one user. 

7. Blue-Collar Residential Neighborhoods

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One user also shared, “Blue-collar residential neighborhoods in the city.”

Another user commented, “Yes! This is my answer, too. Not just houses in general but poor neighborhoods, in particular, are being f- over. You can see the tale here in the property history on Realtor.com. Lots and lots of houses were previously on the market for $50,000, bought, and then flipped and listed for $250k to $300k in a ZIP code where the median income is $34.5k, a good $20k less than the median income for the city. Shockingly, no one wants to spend $300k for a s- remodel in the ‘hood, so most of these houses sit empty unless/until they’re put on Airbnb.”

One added, “I think the problem with gentrification in the US is twofold: a failure to provide a path to ownership for often at-risk residents (which leads to slumlords) and a failure to protect the at-risk pop who DO own property from massive tax hikes.

“No one is opposed to tearing down condemned houses and building new ones, but the neighbours who have been there should not get affected by massive tax increases.”

8. Rural Lake Cabins

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“Quiet out-of-the-way country cabins sitting by lakes. Now they are overpriced Airbnbs,” posted one user.

Another user commented, “I’d even say Airbnbs themselves. They started as a potentially cheap alternative to hotels run by people with extra space they aren’t doing anything with. Now people build guest houses specifically for Airbnb and treat It like a full-on rental.”

One user suggested, “If you do decide to go to an Airbnb as a getaway, I’d recommend looking for one on a farm. From what I’ve seen, they’re usually run by the farmers as a sort of side gig and not some company or wealthy person.

“The last one I went to was out in the middle of nowhere with like 70 acres that you’re free to explore, and it was actually at an animal rehabilitation center. They rented out their spare room as an Airbnb as a way to bring in more money to put towards the animals. It was insanely cool.

“They had a ton of animals that were being rehabilitated. The living room had a giant window that looked straight into the snow macaque enclosure. It was their inside feeding area, so you could watch them chill and eat like 2 feet away. There was a flock of chickens that would follow you around; most of them were bald or had b-m legs or other issues that would get them slaughtered at a farm. There were storks, peacocks, a very playful otter, spider monkeys, a d-head heron that kept pecking at my boots, boxes, and a lot more, but they even had tigers. Apparently, they were rescued from a carnival and couldn’t be released into the wild. It was so calm and also sweet to know that you were contributing a bit just by staying there.

“Edit: guess I should’ve included it in the original comment. It’s called ‘The Suite at the Ridge’ in Hocking Hills, Ohio. The Airbnb itself wasn’t crazy lovely or anything, but it was perfectly fine, and you’re there to be around the animals anyways. Unfortunately, I can’t post pictures here because I have some I’d love to share.

“Edit 2: I can’t seem to get the listing to show up in a search, only by looking through messages and it says that the host ‘no longer has access to Airbnb’ so I’m not sure what happened. We went in January, so it wasn’t even a year ago. But if you want to look at other sites, the sanctuary is Union Ridge Wildlife Center.

“Edit 3: Don’t Google the name of the wildlife center unless you want my happy post to become a sad post. Turns out it wasn’t as wholesome as I thought it was.”

9. Van Life and Tiny Houses 

One online user stated, “Van life and tiny house living.”

Another user replied, “It’s like they gentrified the trailer park.”

Another user commented, “Not where I live. We still have proper trailer parks loaded with meth, pit bulls and domestic violence.”

10. Modernizing a Historic Home

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A user commented, “Buying a “fixer-upper” home and spending weekends working on it. I was really looking forward to that.”

One user responded, “I’ve seen so many nice period houses completely gutted on the inside by modern renovations. If I buy a 1930s house, I don’t want a stupid Scandinavian minimalist interior!”

11. Thrift Shopping

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“Thrift shopping. I’m not *thrifting* I’m f- broke,” one user commented.

Another user added, “Sometimes I feel like it’s cheaper to buy clothes at Target or Walmart brand new than it is to buy from a thrift store.”

12. Counterculture-Based Festivals

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A Redditor stated, “Counterculture-based festivals. Burning Man was on my bucket list until rich folks started showing up with bodyguards and started establishing private zones.”

One user added, “Counterculture as a whole seems to be getting gentrified. In the Netherlands, there are a lot of places you can go to that have a ‘counterculture aesthetic’ or more specifically, ‘squat aesthetic’ but have exorbitant prices. Squatting used to be vast, and multiple venues in the Netherlands (like Paradiso and Melkweg) have their humble beginnings as a squat. Ruigoord, a village close to Amsterdam that got squatted 50 years ago, also completely lost its soul and is filled with yuppies.

“Counterculture is being gentrified, sanitized and sold back to people at exorbitant prices as something ‘new, weird and hip.’”

13. The Farmer’s Market

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One user posted, “Going to the farmers market.” A user replied, “I went to a farmer’s market where only one vendor sold fruits and vegetables. There were three boutique honey stands and an old white lady selling ‘native’ art. St Philips Plaza in Tucson, for anyone who knows what I’m talking about. So dumb.”

14. Houses

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“Houses. We poor people would work our entire lives to own one. Property became a great investment and a way to increase wealth, so rich people bought them. Not to live in as intended but to rent to the poor and keep them poor by renting so they will never be able to save enough to afford their own.” a user added to the thread. 

15. Fajitas

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One Redditor shared, “Fajitas. I remember being able to get skirt steak really cheap and sometimes for free.”

One user replied, “That goes for any ‘cheap’ cut of meat.”

16. Pickup Trucks

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“Pickup trucks. They used to be much cheaper,” one user posted.

Another user replied, “They’re luxury minivans now.”

17. Unrestricted Land

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One user posted, “Unrestricted land. Everything gets an HOA now, and they try to force you into their jurisdiction.

“My family fought an HOA targeting my grandmother’s house. She had lived there for ten years before the HOA was even an idea, or the new area with big houses was cleared for construction before that.

“We ended up having Rock in her house, skirting, and rock under her deck due to insufficient money to fight an HOA she never signed on to.

“If an HOA comes out where I live (which might happen in the next 15 years), I will fight them tooth and nail for spite alone.”

18. Cheat Cuts of Meat

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“Off cuts of meat,” shared one user.

Another user replied, “I remember when chicken wings were 10 cents because they could not give them away. Now, they are an industry. They break a wing in half and call it two wings.”

19. Concerts and Festivals

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One user shared, “Concerts and festivals.”

Another Redditor added, “I agree with this one. I have lost all interest in the concert/festival experience.”

20. Brisket Burnt Ends

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“Brisket burnt ends. BBQ joints used to toss them or give them away for free,” One commenter added.

Another user replied, “BBQ used to be poor people’s food. Nobody wanted to eat ribs and brisket because they are hard to cook. Now every upper-middle-class person has a smoker, and BBQ costs an arm and a leg.”

Do you agree with the things listed above? Share your thoughts below!

Source: Reddit.

Image Credit: Shutterstock – Denis Makarenko

Who is one actress you can never stand watching, no matter their role?  After polling the internet, these were the top-voted actresses that people couldn’t stand watching.

10 Actresses People Despise Watching Regardless of Their Role

These 7 Celebrities are Genuinely Good People

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We’ve all heard the famous adage that “no publicity is bad publicity,” and while it tends to be accurate, there are certainly exceptions. But what about those few stars who stay out of the limelight and get along without a hint of trouble? 

These 7 Celebrities are Genuinely Good People

These 10 Activities Are an Immediate Red Flag

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Have you ever known someone and thought you liked them—until you learned about their hobbies? Then you get to know them and then you’re like, “Wow, red flag.” Well, you’re not alone.

These 10 Activities Are an Immediate Red Flag

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Some celebrities definitely seem to enjoy the limelight and keep working to stay in the public eye. While others quickly move out of the spotlight. Many of these actors and actresses stepped out of the spotlight to live a more private life without constant media pressures.

10 Celebrities That Made the Big Times Then Disappeared Off The Face of the Earth

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We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.

These 10 Terrible Movies Are Still People’s Favorites



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Source: financequickfix.com

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From the New York City region to Greater Philadelphia, the gorgeous Skylands to the Pine Barrens to the real Jersey Shore, it’s a vast, diverse and growing state. But where are the best places to live in New Jersey? Thankfully, they are all over the state.

Many of these livable towns are understandably clustered in the flourishing, gentrifying North Jersey cities that act as Manhattan bedroom communities. But from the shore to the Ivy League, there are many amazing places to call home all over the Garden State.

  • Population: 71,245
  • Average age: N/A
  • Median household income: $105,022
  • Average commute time: 28.1 minutes
  • Walk score: 48
  • Studio average rent: $1,423
  • One-bedroom average rent: $1,678
  • Two-bedroom average rent: $2,127

Just five miles from the Benjamin Franklin Bridge into Philadelphia is the South Jersey township of Cherry Hill. It is a bedroom community for many workers in Philadelphia, as well as places like Trenton and Princeton.

With an average commute time of just under 28 minutes, it’s a convenient central location. Both New Jersey Transit and PATCO have rail station stops in Cherry Hill. Cherry Hill Station serves the Atlantic City Line and Woodcrest Station sits on the Lindenwold Line. For auto commuters, the New Jersey Turnpike and Interstate 295 also pass through the eastern section of the city.

But to many people in the area, the primary destination in the city is the 160-store Cherry Hill Mall. Dating back 60 years, the super-regional indoor shopping center was the first in the Eastern U.S. And Chick’s Deli has been a destination for cheesesteak and hoagie lovers from all over Philadelphia for decades.

Photo source: Rent. / 207 Freeway Dr E
  • Population: 64,876
  • Average age: 41.3
  • Median household income: $48,072
  • Average commute time: 42.7 minutes
  • Walk score: 73
  • Studio average rent: $1,334
  • One-bedroom average rent: $1,513
  • Two-bedroom average rent: $2,298

East Orange is the largest of New Jersey’s “The Oranges.” It sits on the western border of Newark, and its central location in northeastern Jersey makes it as convenient to Midtown Manhattan as it is to the rural highlands and even the Meadowlands. It’s also one of Jersey’s most affordable cities with one-bedrooms leasing for an average of $1,086 monthly and two-bedrooms for just $1,373.

The family-friendly commuter community offers five city parks, a number of playgrounds, the multipurpose Paul Robeson Stadium and the interactive Jersey Explorer Children’s Museum.

As part of one of the state’s Urban Enterprise Zones, residents pay sales taxes half that of the rest of Jersey. And the city is also home to East Orange General Hospital, as well as the East Orange Veterans Affairs Medical Center.

East Orange is one of the nation’s most established African-American communities. Nearly 90 percent of residents identify as Black, one of the highest rates in the nation. Within that demographic is a significant representation of those with Caribbean ancestry. In fact, Orange’s 2.9 percent population of Guyanese-Americans is the largest percentage in the country.

  • Population: 129,361
  • Average age: 38.6
  • Median household income: $48,407
  • Average commute time: 33.1 minutes
  • Walk score: 77
  • Studio average rent: $844
  • One-bedroom average rent: $1,086
  • Two-bedroom average rent: $1,373

Situated at the south end of Newark Bay just across from Bayonne is the city of Elizabeth. New Jersey’s fourth-largest city, Elizabeth is also one of America’s greenest. Based on its infrastructure including electricity, public transportation usage, recycling, certified buildings, public preserves, how residents view climate initiatives and more, it’s one of the top green cities in the nation.

With its relatively easy access to the Atlantic Ocean and channels to the Great Lakes, Elizabeth has long been one of the northeast’s shipping hubs. The Port Newark–Elizabeth Marine Terminal is one of the busiest ports in the entire world. And just to its north, Newark International Airport (the 12th busiest in the nation) actually lies half within Elizabeth. And right in the middle is The Mills at Jersey Gardens, the New York City area’s largest outlet mall.

But what sets Elizabeth out from the crowd is its affordable rents. With an average studio renting for $844 a month, a one-bedroom for $1,086 and a two for $1,373, you would be hard-pressed to find cheaper rent prices anywhere else in the tri-state region.

Photo source: Rent. / 210 Main Street
  • Population: 44,719
  • Average age: 43.3
  • Median household income: $70,090
  • Average commute time: 39.7 minutes
  • Walk score: 72
  • Studio average rent: $1,726
  • One-bedroom average rent: $1,903
  • Two-bedroom average rent: $2,365

A quarter-century ago, Richard Pryor’s “Brewster’s Millions” painted Hackensack as, well, kind of a sad sack city. Even Billy Joel asked, “Who needs a house out in Hackensack?” But both entertainers would be pleasantly surprised to find Hackensack the diverse, exciting, in-demand city it is today.

Just a half-hour northwest of Times Square, Hackensack is a vibrant suburb and a gateway to the natural lands of northwest Jersey.

It’s a walkable urban setting filled with parks and recreation and home to Hackensack University Medical Center and half the campus of Fairleigh Dickinson University. Its quaint downtown along Main Street is just a block from the river. And tucked away in its extreme northeastern corner are The Shops at Riverside, an upscale shopping center along the river at Hackensack River County Park.

One of Hackensack’s strengths is its diversity. Almost 40 percent of its residents are immigrants, and nearly half speak a language other than English at home. Upwards of 47 percent of Hackensackians are white, while nearly a quarter are Black and over a third are Hispanic.

  • Population: 54,144
  • Average age: 37.8
  • Median household income: $147,620
  • Average commute time: 48.8 minutes
  • Walk score: 96
  • Studio average rent: $2,675
  • One-bedroom average rent: $3,252
  • Two-bedroom average rent: $4,004

There are fewer rags to riches stories more robust in New Jersey than Hoboken. Just ask the Cake Boss. Once a smoggy, inaccessible industrial port city, today’s Hoboken is one of the most desirable and fashionable addresses in the Garden State.

Hoboken’s redeveloped riverfront sits directly across the Hudson from Chelsea and Greenwich Village. The city is rife with century-old brownstone apartments and houses, beloved by upscale residents and transplants from over the river in Manhattan. The homes are interspersed with gleaming apartment high-rises and reclaimed tenement towers with stellar views.

The city has quickly become home to young professionals, Wall Street commuters and artists and musicians. This has driven rent prices through the roof, to some of the highest in the state. An average studio runs $2,675 a month up to $5,741 for a three-bedroom.

With a walk score of 96, trendy cafes, retail shopping, gourmet restaurants, friendly parks and exciting nightlife are just out the front door for many in the city.

But while Hoboken has enough to occupy any lifestyle, many residents work and play across the river in New York. Hoboken Terminal is a major hub for New Jersey Transit, PATH and the MTA, and 56% of ‘Bokens use public transportation, the highest rate in America.

  • Population: 265,871
  • Average age: 39.4
  • Median household income: $70,752
  • Average commute time: 46.5 minutes
  • Walk score: 89
  • Studio average rent: $2,354
  • One-bedroom average rent: $2,864
  • Two-bedroom average rent: $3,980

Cradling Hoboken to its south and west is another Hudson River success story in Jersey City.

Covering most of the land on the upper Bergen Neck peninsula, Jersey City is home to Liberty State Park, the gateway to the Statue of Liberty and Ellis Island. It sits just across from New York City, facing Lower Manhattan and the Financial District, Battery Park and northwestern Brooklyn.

Jersey City’s downtown is along its waterfront. North of Liberty Park, downtown is a collection of bars and eateries, retail shopping, residential high rises and corporate towers. It’s also the heart of the Jersey City banking and finance industry. Exchange Place, also known as “Wall Street West,” is one of the nation’s largest finance hubs.

Outside of downtown, Jersey City has a number of shopping districts. Journal Square and Newport Mall are key retail cores, along with the Danforth, Central and West Side Avenue corridors.

Over 40 percent of Jersey City residents ride public transit, the second-highest percentage of any large city in the U.S. The city offers four PATH stations and 13 Hudson–Bergen Light Rail stations as well as a number of ferries into New York.

  • Population: 18,795
  • Average age: 42.1
  • Median household income: $96,545
  • Average commute time: 29.9 minutes
  • Walk score: 71
  • Studio average rent: $2,656
  • One-bedroom average rent: $2,613
  • Two-bedroom average rent: $3,333

If Morristown were good enough for George Washington, it’s surely good enough for you. The Morristown National Historical Park, spread throughout the borough, traces the history of where Washington and his troops encamped several times during the Revolutionary War.

Aside from its history and the tourists it attracts, Morristown is a residential exurban town close enough to Manhattan for a reasonable commute but far enough away to feel secluded from city life.

The city offers a minimal half-hour average commute time. It is convenient to nearly all of Central and North Jersey, and a workable 70-minute train ride to Manhattan. Morristown Station serves the New Jersey Transit Midtown Direct train into Penn Station.

With a median household income of around $100,000, it’s a pretty exclusive locale. One- and two-bedroom apartments in Morristown lease for $2,613 and $3,333 a month, respectively. But limited opportunity creates demand as the town has a population of under 19,000.

  • Population: 282,352
  • Average age: 38.6
  • Median household income: $35,199
  • Average commute time: 44.2 minutes
  • Walk score: 78
  • Studio average rent: $1,691
  • One-bedroom average rent: $2,139
  • Two-bedroom average rent: $2,694

For those that enjoy the bustle of city life over suburban isolation, Newark is the perfect locale.

With a population of over 282,000, Newark is the largest city in New Jersey. It’s also one of the nation’s most convenient. It’s home to Newark-Liberty Airport and two major commuter train stations. Newark Broad Street offers access to four New Jersey Transit lines and Newark Light Rail, and Newark Penn Station is a stop for five NJT lines, 11 Amtrak and Acela runs, Light Rail and PATH service into Lower Manhattan.

As opposed to many other New Jersey cities, Newark is a hub for inbound commuters rather than a bedroom community. Pre-pandemic, over 100,000 workers commuted into Newark every day, though a large number continue to. It’s the leading economic center for the insurance, finance, healthcare, education, legal and international shipping industries in the state. And despite its gritty reputation, it’s a very livable city.

Newark is a diverse city of hardscrabble blue-collar workers, young professionals, singles and naturalized citizens.

The average age is a low 38.5. And the median household income is a hardworking $35,000. But there is much to do. The New Jersey Performing Arts Center features the New Jersey Symphony Orchestra and the New Jersey State Opera. The Newark Museum of Art is the largest museum of any kind in the state. The city offers a number of parks from Colonial Commons to the Passaic Riverfront.

And the 15-year-old Prudential Center is home to the NHL’s Devils, the state’s only indoor major league franchise, and Big East basketball as well as large-scale concerts and touring shows.

  • Population: 30,723
  • Average age: 41.6
  • Median household income: $137,672
  • Average commute time: 34.9 minutes
  • Walk score: 26
  • Studio average rent: $2,263
  • One-bedroom average rent: $2,424
  • Two-bedroom average rent: $3,024

Talk about a college town. Princeton is a leafy, convenient, high-quality small city. It’s just a 20-minute drive into Trenton, the state capital, and equidistant from Center City Philadelphia and Lower Manhattan. But one never needs to leave Princeton to enjoy the Ivy League life.

Of course, both the reputation and economy of Princeton surround the university. The centralized campus is an educational, cultural and entertainment hub for the city, but there is much to life off-campus. The most popular corridor is the shopping and dining district along Nassau Street. This includes popular locations like Princeton Record Exchange, P.J’s Pancake House, Hoagie Haven and the stores in Palmer Square.

With superior public and private schools, a stop on Amtrak and New Jersey Transit lines, high quality of life, and a low crime rate, Princeton often finds itself at the top of “Best Places to Live” rankings. But that quality comes at a price. The median household income climbs to near $140,000. And even with all those students, rents are pricy at $2,424 for an average one-bedroom and $3,024 for two.

  • Population: 88,763
  • Average age: 45.5
  • Median household income: $79,607
  • Average commute time: 37.1 minutes
  • Walk score: 38
  • Studio average rent: N/A
  • One-bedroom average rent: $1,177
  • Two-bedroom average rent: $1,744

The only Jersey Shore location on this list. Is it Wildwood? Beach Haven? Asbury Park? Nope. It’s the residential, family-friendly beach-and-shore town of Toms River.

The suburban ying to nearby Seaside Heights’ yang, Toms River is less Snooki and more Little League baseball, strollers at the park and mall food courts. That doesn’t mean Toms River is in any way boring.

Situated about 80 minutes from both New York and Philadelphia, Toms River is a popular summer home destination for families. But for most, it’s a year-round compromise between suburbs and shore.

Most of the township is on the mainland. Inland sites include Ocean County College, which features Novins Planetarium and The Grunin Center for the Arts. Also nearby is Community Medical Center. And the super-regional Ocean County Mall is one of the largest suburban-style indoor malls along the shore.

Toms River’s downtown is on the south end along Main and Water streets, featuring a number of restaurants, cafes, bakeries and retail stores, along with recreational Huddy Park. On the north end jutting out into Barnegat Bay is marshy Cattus Island County Park. And held annually is the Toms River Halloween Parade, the second-largest Halloween parade in the world behind only New York City’s.

But it’s not all malls and soccer fields. Dover Beaches North and South are also part of Toms River Township. These beach towns lie on Barnegat Peninsula, the oceanfront barrier shore across the bay. Just north of the infamous MTV beach town of Seaside Heights, the Dovers offer gorgeous beaches without all of the drama.

Find your own best place to live in New Jersey

The best places to live in New Jersey range from densely populated New York ‘burbs with bustling nightlife to family-friendly suburban retreats. But no matter where you live in Jersey, there are amazing places to call home. And you can find your next great Jersey city right here on rent.com. Just don’t forget the Springsteen CDs.

Rent prices are based on a rolling weighted average from Apartment Guide and Rent.’s multifamily rental property inventory of one-bedroom apartments in March 2021. Our team uses a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.
Other demographic data comes from the U.S. Census Bureau.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

Source: rent.com

Apache is functioning normally

Ready for homeownership — but looking for something a little bit less overwhelming than a whole house? A condominium might be the perfect fit. But can you purchase a condo with an FHA loan? Yes, under certain circumstances, you can use a loan from the Federal Housing Administration to buy a condo. However, the FHA has to approve condominiums before allowing people to take out FHA-insured loans to purchase them — and finding a condo that’s gone through this approval process (or getting one you have your eye on approved) can be a bit of a challenge. But it’s not impossible! Read on to learn more about FHA-approved condos: what it takes to get approval, where to find condos that have already been approved, and the process of getting an unapproved condo past the finish line.

What Is An FHA-Approved Condo?

To understand what an FHA-approved condo is, it helps to understand what the FHA has to do with purchasing a home in the first place. By offering insurance to lenders, the FHA helps consumers secure low-cost loans with less stringent qualification factors. These FHA loans are commonly used for single-family homes, but can also be used for condominiums, provided the condo is approved by the FHA. Thus, an FHA-approved condo is one that can be purchased with an FHA loan. Pretty simple right? Well, let’s take a closer look.

Benefits of FHA Approval for Condo Buyers

FHA condo approval is beneficial for buyers because finding an FHA-approved condo allows buyers to benefit from the lower overall costs of condo ownership compared to single-family homeownership — and enjoy the lower barrier to entry that an FHA loan can offer to lower-income families, first-time homebuyers, and others facing financial hurdles.

However, not every condo can be approved by the FHA. In order to qualify, it must meet the FHA’s appraisal standards, including safety features as well as financial factors. Entire condominium communities can be approved, and, as of August 2019, an individual unit can also be approved — provided it meets requirements including being “complete and ready for occupancy” and being part of a community with at least five units.

How FHA Approval Impacts Condo Sellers

Sellers, too, benefit from FHA condo approval. Condos that can be purchased with an FHA loan are more attractive to buyers looking for home loans with lower costs and more lenient approval requirements, which means FHA approval is a boon for both parties.

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

💡 Quick Tip: When house hunting, don’t forget to lock in your home mortgage loan rate so there are no surprises if your offer is accepted.

Why Does a Condo Need to Be Approved for an FHA Loan?

When the FHA insures loans offered by private lenders, it does so at some level of risk: The loan may never be repaid, in which case it would lose money paying the lost funds back to the lending bank. But borrower delinquency isn’t the only reason a loan might go unfulfilled; if the condominium is falling apart or not financially viable, that could also increase the risk level of the loan. Therefore, the FHA approves condos on a case-by-case basis to help ensure their physical and financial safety for the lender, borrower, and the FHA itself.

How to Get a Condo FHA Approved

If you’re considering buying a condo that doesn’t yet have FHA approval — and you’d like to get that approval to pursue an FHA loan — you can initiate the approval process on a single-unit basis. (Alternatively, you could reach out to the condominium association to see if it is interested in getting the community as a whole FHA approved.) The approval process will require a variety of documentation as well as an appraisal — again, in order to ensure both the physical and financial viability of the community.

Approval Requirements

To achieve FHA approval, condo communities must be demonstrably:

•   Insured

•   Compliant with state and local law

•   In good financial standing

•   In good physical standing

•   Free of any legal action

For single-unit approval, a condo must be:

•   Part of a complex that is not FHA approved

•   Completely built and move-in ready

•   Part of a community with at least five units

•   Not a manufactured home

Minimum Owner-Occupancy Ratios

The FHA maintains minimum owner-occupancy ratios for complexes attempting to get approved. This figure ranges based on a variety of factors, but is usually somewhere between 35% and 50% — meaning between about a third and about half of the condo units must be occupied by their owners.

Financial Stability and Reserve Requirements

The FHA will also assess the financial stability of the condominium complex in order to ensure it’s likely to continue to stay in business for the foreseeable future. For example, 20% of the annual budget must be set aside for reserves, and three years’ worth of financial documents must be provided.

FHA Insurance Requirements for Condos

FHA-approved condos must maintain up-to-date insurance coverage in order to create financial safety for owners and lenders alike.

Restrictions

Condos that don’t meet the eligibility requirements outlined above may not be suitable for FHA approval — and therefore may not be able to be purchased with an FHA loan.

FHA Application and Documentation

In order to get FHA approval, condos will need to prove they meet the requirements with documentation, including financial information, proof of insurance coverage, inspection reports, and more. If you’re attempting to get a single unit approved, the onus may fall on you as the interested party to get this process started. (The seller, if motivated, may also be able to help.)

The Condo Board’s Role in Securing FHA Approval

In order for an entire condominium complex to become an approved FHA condo, the condo board must first meet to decide whether or not board members want to file for FHA approval. If the vote is in favor of seeking approval, the board will need to aid in filing paperwork to begin the application process and to prove the minimum required eligibility factors are fulfilled.

How Long Does it Take for a Condo to Get FHA Approval?

While specifics will vary and delays can occur, the FHA approval process for a condo may take between two and four weeks on average once all the paperwork is in place.
💡 Quick Tip: Generally, the lower your debt-to-income ratio, the better loan terms you’ll be offered. One way to improve your ratio is to increase your income (hello, side hustle!). Another way is to consolidate your debt and lower your monthly debt payments.

How to Find an FHA-Approved Condo

Fortunately, it’s pretty easy to determine whether or not a condominium you have your eye on is FHA-approved: The U.S. Department of Housing and Urban Development (HUD) offers a searchable database tool that allows you to simply look the property up by address, community name, condo ID, and more.

Leveraging Realtor Expertise

If you have your heart set on purchasing a condo — and on using an FHA loan to do so — a local real estate agent may have the best sense of which complexes in the area are already FHA approved. Some agents may be game to help you get a unit you’re interested in approved on a single-unit basis.

FHA Loan Alternatives for Condos

If you’ve fallen in love with a condo that is, alas, not FHA-approved, take heart: There are different types of mortgage loans worth considering. Many conventional loans these days come with required minimum down payments as low as 3%, though to avoid paying mortgage insurance, you’ll need a down payment of at least 20% of the home’s value. Fortunately, that goal may be a lot more achievable for a condo than a larger single-family home.

In addition, you may be able to use other types of government-insured loans, like VA loans and USDA loans, to buy condos if you qualify. (VA loans are for veterans and their families, while USDA loans are specifically for properties in designated rural areas.)

Benefits and Drawbacks of FHA-Approved Condos

FHA-approved condos, like any other home, have both benefits and drawbacks to consider.

Pros

•   Approved FHA condos can be purchased using an FHA loan, which my offer easier-to-meet qualification requirements and lower costs to borrowers

•   Condos may be overall less costly to own than single-family homes

Cons

•   FHA-approved condos can be harder to find, especially in competitive, fast-moving housing markets

•   Getting a condo FHA approved is a process that takes time and effort, and can be difficult for an everyday consumer to take on

The Takeaway

Purchasing an FHA-approved condo can help buyers hop over some of the primary hurdles to homeownership with lower down payment and minimum credit score requirements. However, not every condo meets the FHA’s strict approval criteria — which means hopeful homeowners may have to choose an alternative mortgage loan type (or keep looking for their dream home).

SoFi offers a wide range of FHA loan options that are easier to qualify for and may have a lower interest rate than a conventional mortgage. You can down as little as 3.5%. Plus, the Biden-Harris Administration has reduced monthly mortgage insurance premiums for new homebuyers to help offset higher interest rates.

Another perk: FHA loans are assumable mortgages!

FAQ

Can you purchase a condo with an FHA loan?

If the condo in question is FHA-approved, yes, you can — but not all condominiums meet the FHA’s requirements. In order to discern whether or not the condo you’re looking at is FHA approved, you can use the FHA’s searchable database, which allows you to search by address, condo complex name, and more.

What does it mean when a complex is not FHA approved?

If a condo complex is not FHA approved, it may not meet the FHA’s requirements — or the board may simply have not yet filed for approval, which does take some time, effort, and paperwork to do. It also means that the condos will not be able to be purchased with an FHA-insured loan, at least until such approval is obtained.

Are there specific criteria for FHA approval of condos in certain regions?

FHA-approved condos must be in compliance with all state and local guidelines, which can vary by region — so yes, the specific criteria may vary slightly.

Photo credit: iStock/benedek

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¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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Source: sofi.com