Jackie Menhennick will lead the Marquette office as the mortgage loan originator and operations manager. She brings over 30 years of experience in mortgage lending and management. The company said she would be tasked with assisting clients efficiently through the mortgage process. Motto Mortgage Express offers various loan options including Conventional, FHA, VA, USDA, and … [Read more…]
Renting a house is different from renting an apartment, and it’s important to be prepared. In this guide, we’ll cover 10 essential tips to help you navigate the process. Whether you’re looking to rent a house in Austin to settle down, a quiet one-bedroom house in Seattle, or a lease in Miami, these tips will help you find the right place and avoid common pitfalls.
When looking for a house to rent you may find the application process and search are a little similar to renting an apartment. To help you navigate the process smoothly, here are the key steps you should follow when renting a house.
Before diving into the rental market, it’s crucial to understand your needs and preferences. Consider the size of the house that suits your lifestyle—do you need multiple bedrooms, or is a smaller space more practical for you? Think about the type of house that aligns with your daily routine. For example, if you work from home, a house with a dedicated office space or a quiet environment might be essential. Consider creating a list of all the amenities you’re looking for.
Location is another key factor. Do you want to be close to work, schools, or public transport? Perhaps a neighborhood with parks or a community appeals to you. Decide on your non-negotiables, like a backyard for your pets, a garage for your car, or a house that allows for modifications like gardening. Having a clear idea of what you need will help you narrow down your options and focus on houses that truly fit your lifestyle.
Once you know what you’re looking for, the next step is to set a realistic budget. Start by evaluating your financial situation to determine how much rent you can afford. A general rule of thumb is that your rent should not exceed 30% of your monthly income.
But don’t forget about other costs. Utilities, security deposits, renter’s insurance, and possible maintenance fees should all be factored into your budget. For instance, a house with central air conditioning may have higher utility costs, so it’s essential to consider these expenses upfront. Staying within your budget not only ensures financial stability but also allows you to enjoy your new home without the stress of overextending yourself.
With your needs and budget in mind, it’s time to explore the rental market. Start by using online platforms like ApartmentGuide, Rent.com, Redfin, or work with a real estate agent to find available houses. It’s essential to understand the market trends in your desired area. For example, if you’re renting in a competitive neighborhood, you might need to act quickly when you find a house that meets your criteria.
Before you can secure a rental house, you’ll need to gather essential documents. These typically include identification, proof of income (like pay stubs or tax returns), and references from previous landlords or employers.
A good credit score is often crucial, as it reflects your reliability as a tenant. If your credit score is less than stellar, consider offering a larger security deposit, looking for houses and apartments without a credit check, or providing a co-signer to strengthen your application. Organizing your rental application package in a professional and complete manner can make you stand out to landlords, especially in competitive markets. This preparation shows that you’re serious and ready to move forward, giving you an edge over other applicants.
With your documentation ready, the next step is to reach out to landlords or property managers. Effective communication is key during this stage. Be polite, clear, and prompt in your emails or calls. Express your interest in the property and ask important questions about the lease terms, maintenance responsibilities, and any specific rules or regulations.
If you have pets, it’s crucial to confirm the landlord’s pet policy upfront to avoid any surprises later. Understanding the importance of clear communication from the start can help build a positive relationship with your potential landlord, which can be beneficial throughout your tenancy.
Touring the house in person (or virtually, if necessary) is a critical step in the rental process. While the house might look perfect online, seeing it in person allows you to assess its true condition. Look beyond aesthetics—check for signs of wear and tear, test appliances, and inspect safety features like smoke detectors and locks.
Create a checklist to evaluate the property, including plumbing, heating, and electrical systems. Ask questions during the tour, such as when the house was last renovated or how often maintenance is performed. Taking notes or photos during your visit can help you remember details when comparing different properties.
Once you find a house you like, the next step is to submit your rental application. Ensure that your application is complete and includes all required documents, such as proof of income, references, and identification. A well-prepared application can make a strong impression on the landlord and increase your chances of securing the property. After submitting your application, be ready to respond quickly to any additional requests from the landlord or property manager to move the process forward smoothly.
Before signing the lease, take the time to thoroughly review the document. Ensure you understand all the clauses, terms and policies, including those about rent increases, renewal options, and procedures for early termination.
Keep a copy of the signed lease for your records. If you encounter any issues with the lease agreement, such as unexpected clauses or terms that were not discussed, address them before signing. Being diligent at this stage can prevent future misunderstandings and ensure a smooth rental experience.
Once the lease is signed, it’s time to prepare for move-in day. Coordinate with the landlord to confirm the move-in date and process. You’ll also need to set up essential services like utilities, internet, and possibly waste removal.
Conduct a final walkthrough of the house before moving in, documenting the property’s condition. Take photos or videos of any existing damage and note them in the move-in checklist. This documentation is vital to avoid disputes when it’s time to move out and can protect your security deposit.
After moving in, take steps to make the house feel like home. Personalize your space with decor that reflects your style, and take the time to explore the neighborhood and meet your neighbors.
Establishing a good relationship with your landlord from the beginning can be beneficial. For example, promptly reporting any maintenance issues helps ensure they’re addressed quickly, maintaining the property’s condition. Regular communication with your landlord about any concerns or changes can also lead to a positive rental experience, making your house truly feel like home.
Source: apartmentguide.com
If you have military experience, a loan from the U.S. Department of Veterans Affairs could help you take a giant step toward becoming a homeowner. VA loans come with a number of benefits — notably, they require no down payment. But first, you need to understand the VA loan pros and cons to make sure it’s the right choice.
A VA loan is a federally guaranteed loan administered by the U.S. Department of Veterans Affairs. Even though the VA sets the basic eligibility requirements and guarantees the loan, borrowers actually apply to private lenders for these loans, after first obtaining a certificate of eligibility from the VA.
What is a VA loan? It’s a type of mortgage designed to help improve access to home ownership for veterans, service members, reserve members, National Guard members, and surviving spouses. It comes with several noteworthy characteristics that make it attractive for homebuyers, like having no down payment requirement and limited closing costs.
In order to get preapproved for a VA loan, you must get a Certificate of Eligibility that ensures you meet the service qualifications. Here are the basic requirements for each type of borrower:
• Veteran: Served at least 90 continuous days of active-duty service.
• National Guard: Served at least 90 days of active duty (there are additional eligibility options if you served before August 2, 1990).
• Reserve members: Served at least 90 days of active duty (there are additional eligibility options if you served before August 2, 1990).
• Spouses: You’re the surviving spouse of a veteran or the spouse of a veteran who is missing in action or being held as a prisoner of war.
Lenders also evaluate your VA loan approval and mortgage amount based on your credit score, income, debt, and assets. The VA does not impose a minimum credit score requirement, although many lenders require a credit score of at least 620.
Are VA home loans good? They do come with a number of benefits. A big one is that there’s no down payment required. As long as your debt-to-income ratio can handle the mortgage payments, you can borrow up to the full sales price of the home with a minimal amount of cash at closing.
Here is what to think about as you weigh VA home loan pros and cons:
• No down payment requirement: You don’t have to put down any cash on your home purchase. Conventional loans typically require at least 3% down for first-time homebuyers and FHA loans require 3.5% down for all borrowers.
• No mortgage insurance: Other mortgages require that you pay private mortgage insurance when your down payment is less than 20%. There is no comparable fee with a VA loan.
• Lower interest rate: Not only are VA loan interest rates usually lower than conventional loan rates, you can apply for a VA Interest Rate Reduction if rates drop after closing.
• Flexible credit requirements: Lenders usually require a minimum credit score of 620. But technically, there is no minimum set by the government.
• No use limits: You can get a VA loan multiple times throughout your life; in fact, there are no limits on how many times you can use one to buy a home.
In addition to these advantages, there are also some potential drawbacks of choosing a VA loan for your mortgage.
• Funding fee: This is a one-time fee that is paid either at closing or rolled into your mortgage balance. The fee varies depending on how many times you’ve used the VA loan and the size of your down payment. For instance, a first-time VA loan borrower with a 0% down payment would pay a 2.15% funding fee.
• Strict appraisal process: All mortgage lenders require an appraisal, but your appraiser must be VA-approved with this type of loan.
• Property eligibility requirements: The home inspection must also meet VA-specific requirements, which means you can’t finance a major fixer-upper. For instance, it needs a working HVAC system, no lead paint, and adequate roofing, among other criteria.
When comparing a VA loan vs. a conventional loan, there are some significant differences to consider.
A VA loan has no minimum down payment requirement, while a conventional loan requires at least 3% down for first-time homebuyers. In the first quarter of 2024, the median home sales price was about $420,000. With a conventional loan on that amount, a first-time homebuyer would need a down payment of at least $12,600.
Although there’s no agency-mandated minimum credit score for VA loans, most lenders set a minimum of 620 — the same you’ll typically find with a conventional mortgage.
Although you may be required to pay a one-time funding fee with a VA loan, there’s no ongoing mortgage insurance like you may have to pay with a conventional mortgage.
Private mortgage insurance (PMI) is required with a conventional loan if your down payment is less than 20%. You may have a one-time, upfront payment at closing, or your PMI may be split up between up-front and monthly premiums that are rolled into your mortgage payment.
VA loans pros and cons may matter more or less depending on your personal situation. Some examples of when a VA loan may be the best choice include:
• Buyers who don’t have cash for a down payment or want to preserve cash for other goals may want to go with a VA loan after they weigh VA home loan pros and cons.
• Buyers who can’t make a 20% down payment (who would have to pay for private mortgage insurance if they obtained a conventional mortgage loan) might find a VA loan especially appealing.
Questions? Call (844)-763-4466.
Even if you’re eligible for a VA loan, it still makes sense to look at other options. Three other common types of mortgages include FHA loans (backed by the Federal Housing Administration), conventional loans, and U.S. Department of Agriculture loans.
An FHA loan is another federally guaranteed mortgage with flexible credit requirements. To qualify for a minimum down payment of just 3.5%, you need at least a 580. But you can still qualify with a 500 credit score, as long as you pay at least 10% down.
With a lower down payment, you must pay a mortgage insurance premium. There is an upfront fee at closing, as well as a monthly fee. If your down payment is less than 10%, the fee stays on for the life of the loan unless you refinance to a new mortgage.
Some conventional mortgages allow for a down payment as low as 3% for first-time homebuyers, though others may require 5%. You must pay private mortgage insurance for down payments under 20%, but that fee usually drops off once you have 20% equity in your home. The credit requirements are usually a little higher with conventional loans.
A USDA loan is designed for individuals looking to buy a home in a rural area. You can explore eligible properties on the USDA website. However, you also need to meet certain income limits based on your county and family size in order to qualify for this 0% down payment mortgage.
Weigh VA loan pros and cons to make sure you choose the best mortgage for your personal financial situation. Among the things you’ll want to consider are your credit score and how much, if anything, you have saved for a down payment on a new home.
SoFi offers VA loans with competitive interest rates, no private mortgage insurance, and down payments as low as 0%. Eligible service members, veterans, and survivors may use the benefit multiple times.
Our Mortgage Loan Officers are ready to guide you through the process step by step.
VA loans have more flexibility with application requirements compared to other types of loans, as long as you meet the military service requirements. There may also be additional restrictions on the type of home you buy, especially if you’re eying a fixer upper.
No, you may get a VA loan with no down payment, as long as your debt-to-income ratio suggests that you can make the monthly mortgage payments.
The VA itself does not require a minimum credit score but most lenders look for a minimum credit score of 620 for VA loans.
Photo credit: iStock/sommart
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*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
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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.
†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.
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Source: sofi.com
Nevada, a state known for its diverse landscapes, offers everything from the bustling nightlife of Las Vegas to the tranquil beauty of Lake Tahoe. Beyond its famous entertainment scene, Nevada boasts a rich history, stunning desert vistas, and a growing tech industry, particularly in cities like Reno. Whether you’re browsing homes for sale in Las Vegas, considering renting in Henderson, or exploring houses for rent in Reno, here’s what you need to know before moving to Nevada.
Nevada is a state of contrasts, with vibrant urban centers and serene natural landscapes. The three largest cities—Las Vegas, Henderson, and North Las Vegas—each have their own unique appeal. Las Vegas is known for its entertainment industry and is home to major employers like MGM Resorts and Caesars Entertainment, while Henderson offers a more laid-back, suburban lifestyle while still being close to the action. Nevada’s cultural scene is diverse, ranging from world-famous shows and museums to a growing arts community. The state experiences a desert climate, with hot summers and mild winters, though northern Nevada sees more seasonal variation. For those seeking affordability, areas like Sunrise Manor and Paradise, provide more budget-friendly housing options without sacrificing access to amenities.
Discover the best places to live in Nevada and find the perfect city that matches your lifestyle.
Nevada’s desert climate means summers are scorching, with temperatures often exceeding 100°F, particularly in southern regions like Las Vegas. The air is extremely dry, which can lead to dehydration if you’re not careful, so it’s crucial to drink plenty of water and use moisturizers to protect your skin. The lack of humidity can make the heat feel less intense than in more humid areas, but it can also be deceiving, leading to potential heat-related illnesses.
Insider scoop: When exploring the outdoors, try to schedule your activities for early morning or late evening when temperatures are cooler. This can help you avoid the peak heat of the day and enjoy more comfortable conditions.
One of the most attractive financial benefits of living in Nevada is the absence of state income tax, which can significantly boost your disposable income. This tax-friendly environment makes the state particularly appealing. However, the state compensates for this by relying more heavily on sales taxes, which can be higher than in other states, particularly on goods like alcohol and entertainment.
Nevada is known for its iconic Las Vegas, where a 24/7 lifestyle reigns, with casinos, restaurants, and even grocery stores open around the clock. This round-the-clock availability provides unparalleled convenience, especially for those who work non-traditional hours or enjoy late-night activities. Whether you need to run errands after midnight or crave a meal in the early hours of the morning, you’ll find plenty of options available. However, this constant activity can also lead to a fast-paced lifestyle that might be overwhelming for newcomers who are used to more traditional business hours.
Nevada is a paradise for outdoor adventure, offering a range of landscapes from the stunning Red Rock Canyon near Las Vegas to the serene shores of Lake Tahoe in the north. Hiking, rock climbing, and mountain biking are popular activities in the state’s numerous parks and natural areas, while the vast desert offers unique experiences like sandboarding and off-roading. The state’s high desert and mountainous regions also provide excellent opportunities for camping and stargazing, with some of the darkest skies in the country.
Insider scoop: For a truly memorable experience, visit the Great Basin National Park. Its remote location ensures minimal light pollution, making it a prime spot for astrophotography.
Water is a precious resource in Nevada, particularly in the southern part of the state where drought conditions are common. Local governments often impose water restrictions to conserve this vital resource, limiting activities like lawn watering and car washing during certain times of the year. These restrictions can vary by region and are typically more stringent in urban areas like Las Vegas, where the population puts a significant demand on the water supply.
Nevada’s diverse ecosystems are home to a wide range of wildlife, from desert dwellers like coyotes and rattlesnakes to mountain inhabitants like mule deer and black bears. In more rural or suburban areas, it’s not uncommon to encounter these animals, so it’s important to be aware of your surroundings and take precautions to avoid unwanted encounters. Additionally, Nevada is one of the few places where you can see wild mustangs roaming freely, particularly in the northern parts of the state.
Southern Nevada, including Las Vegas, experiences a monsoon season from July to September, characterized by sudden and intense thunderstorms. These storms can bring heavy rain, lightning, and strong winds, often leading to flash flooding in low-lying areas and roads. It’s important for residents to stay informed about weather conditions during this period, as flash floods can occur with little warning and pose serious risks. Driving during a monsoon storm can be particularly hazardous, so it’s advised to avoid flooded roads and heed any warnings issued by local authorities.
Insider scoop: Keep an eye on local weather apps and social media for real-time updates, as cell service can be spotty during storms. If you’re caught in a storm while driving, pull over to a safe location and wait until conditions improve.
Casinos are an integral part of Nevada’s culture and economy, and they’re not just confined to the Las Vegas Strip. You’ll find them in nearly every town and city across the state, from Reno’s historic gambling halls to smaller, more local establishments in rural areas. These casinos offer a wide range of entertainment options beyond gambling, including dining, live shows, and events, making them central hubs of social activity in many communities. For those who enjoy gaming, living in Nevada provides easy access to a variety of options, but it’s also important to be mindful of responsible gambling practices.
While gambling is legal and widespread in Nevada, there are specific regulations that residents should be aware of. Understanding these regulations is crucial for anyone planning to engage in gambling activities, whether for fun or professionally, to ensure compliance with state laws.
Nevada offers a generally low cost of living compared to many other states, making it an attractive option for residents. The median home sale price in Nevada is around $461,700, though this can vary significantly between cities, with Carson City being more expensive with an average rental price of $1,720. There are more affordable options to live, as in Las Vegas, where the average rental price for a one-bedroom apartment is $1,347.If you’re considering moving to Nevada, you’ll want to weigh the pros and cons to know if this state is right for you.
If you’re moving to northern Nevada, particularly around Reno and Lake Tahoe, be prepared to live at higher altitudes, often exceeding 4,000 feet above sea level. The thinner air at these elevations can take some getting used to, especially for newcomers, and may cause altitude sickness in those who are not acclimated. Winters in northern Nevada are also more severe, with significant snowfall and colder temperatures compared to the southern part of the state. However, these high-altitude areas offer stunning mountain scenery, excellent skiing opportunities, and a cooler climate during the hot summer months.
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Source: rent.com
Moving to Minnesota means embracing a state known for its beautiful lakes, vibrant cities, and welcoming communities. From the bustling streets of Minneapolis with its thriving arts scene to the scenic trails of Duluth along Lake Superior, Minnesota offers a unique blend of urban and natural attractions. However, the state’s harsh winters and strong cultural emphasis on outdoor activities require thoughtful consideration. Whether you’re browsing homes for sale in Minneapolis, considering renting in Saint Paul, or exploring houses for rent in Rochester, here’s what you need to know before moving to Minnesota.
Minnesota is a state that balances urban sophistication with natural beauty, offering a high quality of life. The three largest cities—Minneapolis, Saint Paul, and Rochester—each have their own unique appeal. Minneapolis, known for its numerous lakes, is a bustling urban center with cultural institutions like the Walker Art Center and the Minneapolis Institute of Art. Saint Paul, the state capital, exudes historic charm with its well-preserved architecture and thriving cultural districts like Lowertown. Rochester, home to the world-renowned Mayo Clinic, is a hub for healthcare innovation and offers a more laid-back, suburban lifestyle. Minnesota’s economy is bolstered by major employers such as Target, 3M, General Mills, and the Mayo Clinic, providing diverse job opportunities across various sectors.
The culture in Minnesota is rich and varied, with a strong emphasis on outdoor activities. Residents enjoy a wide range of year-round outdoor activities, from summer boating on the state’s 10,000 lakes to winter sports like ice fishing and snowmobiling. The state’s weather is characterized by cold, snowy winters and warm, pleasant summers, making it essential to be prepared for seasonal extremes. Despite the state’s overall high standard of living, there are affordable places to live, especially in smaller towns and suburbs like Mankato and St. Cloud, which offer lower housing costs while still providing access to urban amenities.
Winters in Minnesota are notoriously long and harsh, with temperatures often dipping well below freezing. Snowfall can begin as early as October and extend into April, making winter activities like snowshoeing, ice fishing, and skiing popular pastimes. To cope with the cold, many residents invest in high-quality winter gear, including insulated coats, boots, and even block heaters for their cars. Despite the challenges, Minnesotans embrace the season with festivals, such as the Saint Paul Winter Carnival, and by making the most of the snowy landscape.
“Minnesota Nice” is more than just a saying; it reflects the genuine friendliness and politeness of the people in the state. Minnesotans are known for their reserved yet warm demeanor, often going out of their way to help others or strike up a friendly conversation. This culture of kindness extends to the workplace, neighborhoods, and even the roads, where people frequently yield to pedestrians and allow others to merge in traffic. For newcomers, adapting to this polite and community-focused atmosphere can make settling in much easier.
Minnesota, known as the “Land of 10,000 Lakes,” actually has more than 11,800 lakes, offering endless opportunities for outdoor activities. Whether you’re into fishing, boating, or simply enjoying the scenic beauty, there’s always a lake nearby. Popular spots include Lake Minnetonka, known for its recreation and beautiful homes, and the Boundary Waters Canoe Area, which provides unparalleled experiences. In the winter, many of these lakes become hubs for ice fishing and skating, keeping the outdoor spirit alive year-round.
Insider scoop: If you’re ice fishing, remember that ice conditions can vary dramatically from one lake to another—local bait shops are a great resource for the most up-to-date safety information.
The Minnesota State Fair, often called “The Great Minnesota Get-Together,” is one of the largest and most popular state fairs in the country. Held annually in late August and early September, the fair features a wide array of exhibits, live music, agricultural displays, and, of course, food on a stick. Signature treats like Sweet Martha’s Cookies, deep-fried cheese curds, and the famous “Pronto Pups” draw massive crowds. The fair is a beloved tradition for Minnesotans, reflecting the state’s agricultural roots and community spirit.
Travel tip: Plan to arrive early and use public transportation, like the park-and-ride services, to avoid the heavy traffic and parking hassles. This will give you more time to explore and enjoy all the fair has to offer.
The cost of living in Minnesota can vary widely depending on the region, with the Twin Cities generally being more expensive than rural areas. In Minneapolis, for example, the median home sale price is around $350,515, while in smaller towns like Duluth, the median home sale price is closer to $302,000. Rental prices follow a similar pattern, with urban areas commanding higher rates like Saint Paul, where a one-bedroom is $1,311 compared to more affordable rural locations like Saint Cloud where rent goes for $875. Despite these differences, Minnesota remains an attractive place to live, offering a range of housing options and a quality of life that justifies the cost.
If you’re considering a move to one of the best places to live in Minnesota, it’s important to weigh the pros and cons to understand what life there truly entails.
There are plenty of things to do in Minnesota throughout the year, catering to all interests. In the warmer months, living in Minnesota means enjoying hiking in state parks like Itasca or visiting cultural landmarks such as the Walker Art Center in Minneapolis. Fall brings stunning foliage and apple orchard visits, while winter is perfect for snowmobiling, cross-country skiing, and attending holiday markets. In the spring, the fishing season starts and you’ll be able to enjoy various outdoor festivals, making Minnesota a place where you can always find something to do, regardless of the season.
Minnesota’s culinary scene is steeped in tradition, with comfort foods like hotdish and Juicy Lucy burgers taking center stage. Hotdish, a hearty casserole typically made with ground beef, tater tots, and cream of mushroom soup, is a staple at gatherings and potlucks. The Juicy Lucy, a cheese-stuffed burger that originated in Minneapolis, is another must-try. Local joints like Matt’s Bar and the 5-8 Club in Minneapolis both claim to be the birthplace of this iconic burger, making it a culinary experience steeped in local lore.
Minnesota is one of the most bike-friendly states in the U.S., with an extensive network of bike trails and lanes. The Twin Cities, in particular, are known for their cycling culture, offering trails like the Midtown Greenway and the Grand Rounds Scenic Byway. Even in winter, hardy cyclists continue to commute and ride for recreation, thanks to maintained trails and the growing popularity of fat bikes, which are designed for snow and rough terrain. The state’s commitment to cycling is reflected in its investments in infrastructure and community events, like the annual Tour de Tonka bike ride.
Insider scoop: Be prepared for bike-friendly amenities like heated bike racks and repair stations scattered throughout the Twin Cities.
Minnesota’s abundant lakes and wetlands create ideal breeding grounds for mosquitoes, earning the unofficial nickname “The Land of 10,000 Mosquitoes.” These pests are particularly active in the summer months, especially around dusk. To cope, residents often use insect repellent, wear long sleeves and pants in the evening, and install screens on windows and doors. Despite their prevalence, Minnesotans don’t let mosquitoes deter them from enjoying the great outdoors, with many investing in outdoor products like citronella candles and bug zappers to minimize the nuisance.
In the Twin Cities, particularly Minneapolis and St. Paul, extensive skyway systems connect buildings, allowing residents and workers to move around downtown without stepping outside. These enclosed, climate-controlled walkways are especially beneficial during the harsh winters, making it possible to navigate the city comfortably regardless of the weather. The Minneapolis Skyway System, the largest in the world, spans 9.5 miles and connects 80 city blocks. This convenience contributes to the livability of the cities, particularly for those who work downtown or frequently visit the urban core.
Minnesota has a long history of cooperative businesses, particularly in agriculture and retail, with the state serving as a leader in the cooperative movement. Organizations like Land O’Lakes and CHS Inc., both based in Minnesota, are among the largest agricultural cooperatives in the country. The cooperative spirit extends to food co-ops, credit unions, and even energy cooperatives, providing residents with community-focused, member-owned alternatives to traditional businesses.
Minnesota has a strong job market with opportunities across various industries, including healthcare, technology, education, and manufacturing. The Twin Cities of Minneapolis and St. Paul are economic hubs, home to major corporations like Target, 3M, and General Mills. Additionally, the state has a strong commitment to education, with the University of Minnesota providing research and employment opportunities.
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Source: rent.com
With its thriving job market, world-famous live music scene, outdoor activities, and unique local cuisine, Austin has long been attracting new residents from outside state lines.
The Texas city has seen its population double every 20 to 25 years. In fact, recent city data shows that people moving to Austin from other parts of Texas and other states made up 45% of the growth recorded in the city’s metro area between July 1, 2022 and July 1, 2023.
And even though this has been a major contributor of growth to the Austin region, recent figures show slower growth in the last couple of years, with the influx of residents from pricier cities driving up the cost of living and making it less appealing for potential newcomers.
Nevertheless, we wanted to see what drives people to move to Austin. What in particular makes this Texas city so attractive — particularly to people from other states? And it turns out, there’s lots to love about living in Central Texas, and it’s not just affordability.
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Dillon Forte, a famous tattoo artist who has inked celebs like Usher, Kat Von D, and Chris Hemsworth, chose to move out of Los Angeles and built a tattoo ranch just outside of Austin.
“I was living and running my shop in Venice, California, when I realized I needed a significant change for my family and the tattoo business,” says Dillon, owner and tattoo artist at FORTE Tattoo.
“I think the buzz of living around Los Angeles wears off when you get past your 20s, especially if you don’t have to be there for whatever you do. A majority of my clientele comes from all over the country and even from around the world.”
Settling down in the Texas city brought a positive change in Dillon’s life, with both his family life and business thriving in Austin’s welcoming environment.
“The people of Texas are just incredible, and my family has really enjoyed the change of pace. But what’s truly exciting is how my business has thrived in this new environment. It really speaks to the potential and opportunities that Texas offers those who appreciate it. Did I mention the food out here is incredible?”
“I had visited Texas many times and fell in love with its energy and culture while also appreciating the land and landscapes surrounding it. A few years back, I initially had my shop in Austin and moved it to a large property in Wimberley, just outside the city,” Dillon Forte added.
“This move allowed me to live both a big-city and small-town lifestyle, which is nearly impossible in California.”
Despite the city’s cost of living going up — with many citing the influx of new residents as one of the key factors for the rising prices — Austin is still considerably more affordable than bigger, tech-heavy cities like San Francisco, Boston, or New York City.
Aaliyah Kissick, now a Personal Finance Expert/CEO at Financial Literacy Diaries, experienced that firsthand while living in Austin when her husband was completing his internship in tech.
“Because I was studying financial planning, I was thinking about our future. What stood out to me is the relatively low cost of living. Compared to the rest of Texas, Austin is not as low-cost, but compared to other metropolitan areas with a large tech community, living here is the best bet.”
Originally from Los Angeles, Wendy Rosenthal returned home after spending 10 years living abroad to find an unrecognizable city, one in which the cost of living had skyrocketed — making it difficult to keep up with costs. So she weighed her options:
“Half of my family hails from Texas, so I’ve been visiting its vibrant cities my entire life. In the winter of 2019, while spending time with family in Austin, I decided to casually check out the local housing market,” Wendy reminisced.
“To my absolute astonishment, I discovered that for what I was paying in rent for a 3-bedroom apartment in Los Angeles, I could afford a 3-bedroom house with a huge backyard and pool in Austin for $1,000 less! Intrigued, I delved deeper into the cost of living in Texas. From business expenses to gas, electricity, and even private school fees for my son, everything was significantly cheaper.”
“The perks didn’t end there,” says Wendy, a successful entrepreneur, author, and life coach who founded Pathfinder 1 to 1.
“The streets were wider, traffic was lighter, and nature surrounded me and lakes, creeks and nature trails were just a short, anxiety-free drive away. Plus, there was a palpable culture of healthy living; every day, you could see people of all ages out walking, running, and cycling. I felt inspired, not imprisoned.
Taylor Moore, an adult influencer and co-founder of Teasy Agency, says her recent move to Austin, TX, has been transformative, offering a fresh perspective on the unique benefits of this vibrant city.
“I moved to Austin from Los Angeles, California, because of its affordability, vibrant culture, and business-friendly environment,” Taylor tells us, before sharing that “Moving to Austin felt like hitting the refresh button on life. The city’s affordable cost of living and dynamic cultural scene created an irresistible blend of opportunity and excitement.”
“Austin is where Silicon Hills meets Southern hospitality, perfect for someone looking to balance a thriving career with a rich, fulfilling personal life,” Taylor Moore added when citing reasons why she loves living in Austin. “The bustling tech industry and burgeoning creative community provide endless opportunities for innovation and collaboration.“
She pointed out that not only is her business thriving, but her personal life is too, with the city making it easier for her to strike a balance.
“The lower taxes and friendly business environment made it an ideal place for Teasy Agency to grow and flourish. Leaving behind the concrete jungle of Los Angeles, I found in Austin a place where my professional ambitions and personal joys could coexist harmoniously.”
Reiterating Taylor’s point, Amy Jackson, Founder and CEO at TaleSplash says that moving to Austin inspired her to start her own business, encouraged by the city’s family-friendly yet highly entrepreneurial vibe.
“I moved to Austin at the end of 2020 after dealing with three consecutive summers of wildfire smoke, power outages, and the pandemic in Northern California,” Amy tells us. “We love how family-friendly and entrepreneurial Austin is. Moving here inspired me to start my own business.“
Another major draw for newcomers is the city’s diverse and inclusive community. “I moved to Austin because of its reputation as a diverse and inclusive city,” says Naomi Clarke, Head of HR at Flingster, who moved here from San Francisco, California.
“As someone deeply involved in community outreach and advocacy for LGBTQ+ rights, I wanted to be in an environment where diversity is celebrated and inclusion is a priority. Austin’s vibrant cultural scene, welcoming atmosphere, and progressive values made it the perfect place to continue my work and feel at home.”
A recent Texas transfer, Paden Sickles is a military veteran who launched her business, SickFit, a unique sock, streetwear, and custom embroidery company after a ruck march destroyed her feet.
“I recently moved to Texas from Savannah, GA, after transitioning from active-duty Army to civilian life. I’m still settling in, but having been stationed at Fort Cavazos (formerly Fort Hood) and living near Austin, I fell in love with the area and couldn’t wait to move back. I yearned for the culture. HEB is fantastic, but it’s really the culture, art, growth, like-minded people, and unique vibe that make it special.”
Paden Sickles also highlights the many benefits available to military veterans living here.
“I personally believe that Texas is the top choice as far as the best state for military veterans to live. And I say that because Texas just offers so many different things: you have the no-property tax for 100% disabled veterans, you have no state income tax, and then you have the Hazlewood Act for education as well. I may be a little biased, but for my research and what I’ve done, these factors contribute to Texas being a top choice for many veterans transitioning to civilian life.”
With a rich sense of history and a thriving entertainment scene, the downtown area is Austin’s beating heart. And newcomers like Rick Havacko, who handles Corporate Communications at Toshiba Business, quickly fell in love with this vibrant part of the city, going as far as calling it “one of the coolest places on the planet.”
“I moved to Austin in October 2021 from Orange County, California. I considered the move while working from home during the pandemic. When receiving approval from my employer to move, the choice was between Austin (where I had visited before and enjoyed) and Nashville, which I had heard such great things about. Upon traveling to both places in the summer of 2021, I decided to hang my hat in Austin. It almost came down to a coin flip though as both areas are so good featuring all the benefits of city life with a rural feel,” Rick said in an exclusive quote for Fancy Pants Homes.
“Beyond the obvious affordability v. California (though property taxes are much higher in Texas), the move has been one of my best decisions. Downtown Austin is one of the coolest places on the planet. It bustles with positive energy with live music at pretty much every turn & the University of Texas at Austin adds to that vibe. I would do it all over again. Happy to live in Central Texas.”
Carter Morgan, an international stand-up comedian who’s now busy performing at the Edinburgh Fringe Festival in Scotland, found a completely different reason to fall in love with Austin: the city’s burgeoning comedy scene.
“I travel outside of the US for months at a time doing mini-tours and comedy festivals, so keeping an empty apartment in NYC was getting expensive. I was looking for a new scene and one of my comedy buddies told me to check out Austin,” Carter tells us.
“I can’t lie, I was skeptical at first, but he wasn’t wrong: Texas has no state taxes, cheaper rent and an emerging comedy scene with clubs like the Creek and the Cave (which is run by a NYC expat), Cap City, The Velveeta Room, Fallout Theater, Comedy Mothership, and more. They even have major comedy festivals like Moontower and SXSW Comedy. All in all, the comedy is different and raw, and the scene isn’t as diverse as NY, but there’s still a lot for comedy lovers to like.”
Do you live in Austin? We’d love to hear what you love most about the city!
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Source: fancypantshomes.com
Thinking about moving to Alabama? This Southern state is brimming with charm, from its picturesque Gulf Coast beaches to its bustling urban centers and historic towns. Whether you’re browsing homes for sale in Birmingham, considering renting in Montgomery, or exploring houses for rent in Mobile, here’s what you need to know before moving to Alabama.
Alabama blends its deep-rooted history, varied landscapes, and warm Southern hospitality into a unique and inviting experience. The largest cities—Huntsville, Birmingham, and Montgomery—each offer distinct living experiences. Birmingham stands as the state’s largest city, known for its vibrant arts scene, historic Civil Rights landmarks, and thriving medical and financial sectors. Montgomery, the state capital, is steeped in history with its significant Civil Rights sites. Mobile, located on the Gulf Coast, is renowned for its maritime heritage, historic architecture, and annual Mardi Gras celebrations.
Alabama’s economy benefits from major employers such as Honda, which has a significant manufacturing presence, as well as companies like Regions Financial and the University of Alabama system. Culturally, the state has a strong music scene, from Southern jazz and blues to the distinctive flavors of its cuisine, including famous barbecue and seafood. While Birmingham and Mobile offer a range of amenities, more affordable living can be found in smaller cities like Enterprise, where cost of living is lower and local culture is vibrant. Exploring these options can help you find a community that suits your lifestyle while enjoying the warmth and charm of Alabama.
Alabama is renowned for its Southern hospitality, a key aspect of living in Alabama that is characterized by warm, welcoming interactions. Residents often greet one another with friendly waves, and it’s common for neighbors to go out of their way to help each other. This cultural trait extends to local businesses and public interactions, where politeness and kindness are the norm. Embracing this hospitality can greatly enhance your experience and help you integrate smoothly into the community.
Alabama played a central role in the Civil Rights Movement, with key historical sites such as the Edmund Pettus Bridge in Selma and the 16th Street Baptist Church in Birmingham. These locations continue to serve as powerful reminders of the past. Museums and cultural centers throughout the state, such as the National Memorial for Peace and Justice in Montgomery, offer deep insights into this significant period.
Alabama’s summers are characterized by intense heat and high humidity, with temperatures frequently climbing above 90°F and humidity levels making it feel even hotter. This weather can be particularly challenging during outdoor activities, so staying hydrated and using air conditioning is crucial. The heat can also lead to frequent afternoon thunderstorms, which are common during the summer months.
Located in Tornado Alley, Alabama is prone to tornadoes, particularly during the spring and early summer. The state experiences frequent severe weather, and having a storm shelter or a designated safe room in your home is essential for safety. The local weather alert system provides timely warnings, but it’s important to stay informed and be prepared with an emergency kit that includes essentials like food, water, and a first aid kit.
Travel tip: Familiarize yourself with local emergency procedures and always have a battery-powered weather radio on hand to stay updated during storms.
In Alabama, the cost of living is relatively low compared to many other states, with median home sale price averaging $208,250 in Birmingham, while more affordable options can be found in cities like Montgomery, where prices are $192,500. Rental rates also reflect this affordability, with a two-bedroom apartment in Birmingham averaging $1,442 per month, whereas in smaller cities like Tuscaloosa, you might find similar apartments for about $1,022. Overall, the state’s cost of living remains low, offering budget-friendly housing and reasonable expenses, making Alabama an attractive option for those seeking economic value.
If you’re planning on moving to Alabama, you’ll want to consider the pros and cons of living in the Heart of Dixie.
Alabama’s barbecue scene is renowned for its distinctive flavors, particularly the tangy, vinegar-based white sauce popular in Northern Alabama, which complements slow-cooked pork and chicken. In addition to barbecue, the state excels in seafood, with Gulf Coast cities like Mobile offering a wide array of fresh catches including shrimp, oysters, and grouper, often featured in dishes like shrimp and grits or oyster po’boys.
Insider scoop: Attend one of the state’s seafood and barbecue celebrations at numerous annual festivals, such as the annual National Shrimp Festival in Gulf Shores, where you can indulge in expertly prepared regional specialties.
College football reigns supreme in Alabama, with a passionate fan base and strong traditions surrounding the sport. The University of Alabama’s Crimson Tide and Auburn University’s Tigers have a storied rivalry known as the Iron Bowl, drawing significant attention each year. The state also hosts other major college sports events, including basketball and baseball games, contributing to the state’s sports scene.
Insider scoop: For a great game-day atmosphere, visit The Hound in Auburn, which is known for its lively sports environment.
From coastal beaches to rolling hills and dense forests, Alabama has a stunningly diverse landscape. The Gulf Coast is home to picturesque sandy shores and popular vacation spots like Gulf Shores, while the Appalachian Mountains offer excellent hiking and outdoor adventures in places such as the Talladega National Forest. Additionally, the state’s varied terrain encompasses scenic river valleys and expansive farmlands, all contributing to its rich natural beauty and a wealth of outdoor activities.
While urban areas in Alabama may have public transportation options, many parts of the state lack comprehensive transit systems. Owning a car is often necessary for commuting and accessing amenities, especially in rural and suburban areas. Cities like Birmingham and Mobile offer some public transportation services, but they may not be as extensive as those in larger metropolitan areas.
Alabama is home to one of the oldest and most vibrant Mardi Gras celebrations in the United States, especially in Mobile. The city’s festivities feature elaborate parades, masked balls, and a variety of cultural events that draw visitors from across the region. This celebration uniquely blends Southern traditions with Carnival influences, creating a lively and colorful experience.
Insider tip: If you want to fully immerse yourself in the festivities, try to attend the “Krewe of Columbus” parade—it’s a local favorite known for its dazzling floats and lively atmosphere.
Golf is a popular pastime in Alabama, with the state offering numerous renowned courses and tournaments. The Robert Trent Jones Golf Trail, a collection of championship courses across the state, is a major draw for golf lovers. The trail features diverse and challenging layouts, attracting players from around the country.
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Source: rent.com
Finding affordable housing can be a challenging journey, but Section 8 housing offers a vital lifeline for many low-income families and individuals.
Whether you’re looking for a rental in Portland, an apartment in Pittsburgh, or a house for rent in Bellevue, WA , this ApartmentGuide article will help you navigate the qualifications and application process. Our goal is to make it easier for you to secure a Section 8 voucher and find suitable affordable housing, providing you with the support and information you need every step of the way.
Section 8 housing, also known as the Housing Choice Voucher Program, is a federal program administered by the Department of Housing and Urban Development (HUD) that provides rental assistance to low-income individuals and families. The program aims to help these households afford decent, safe, and sanitary housing in the private market. Unlike other forms of public housing, Section 8 allows participants to choose their housing, provided the unit meets HUD’s health and safety standards and the landlord agrees to accept the Section 8 voucher.
There are two main types of Section 8 housing assistance:
Qualifying for Section 8 housing involves meeting specific eligibility criteria set by HUD and local Public Housing Agencies (PHAs). Because Housing Choice Vouchers are administered locally, there isn’t a single defined national standard for how Section 8 voucher recipients are chosen. Generally, eligibility is based on local median income levels and housing costs. However, there are some overarching guidelines that can help determine eligibility.
Here are the main steps and criteria to qualify:
The HUD sets income limits annually. They’re segmented in three categories: extremely low income, very low income and low income. The income levels depend on the area’s median income level. Here’s what that breakdown looks like:
By meeting these criteria and successfully navigating the application process, eligible individuals and families can receive the rental assistance they need to secure affordable housing through the Section 8 program.
Applying for Section 8 apartments involves several steps. Here is a straightforward guide to help you through the process:
Remember, Section 8 housing assistance is calculated based on your household’s income. The goal is to ensure you pay no more than 30% of your adjusted monthly income on rent and utilities. Here’s a simple breakdown of how it works:
Tenant’s share: 30% of $1,800 = $540
If the rent and utilities for the chosen unit total $1,200, the voucher would cover the difference:
Voucher payment: $1,200 – $540 = $660
This ensures the rent is affordable based on your income.
If you find that you don’t qualify for Section 8 housing, there are several alternative steps you can take to secure affordable housing and financial assistance:
The process to apply and get approved for a Section 8 housing voucher is a process that requires research and diligent follow-through.
Make sure you have all of your paperwork ready. Write down any questions you may have and reach out to your local PHA to get them answered.
Here are useful links to bookmark, in the process:
Source: apartmentguide.com
It is well known that New Jersey is the most densely populated state. It’s also a geographically diverse state. It features bedroom communities for Philadelphia and New York commuters, standalone suburbs with trendy downtowns, shore beach towns, wooded rural landscapes in the Pine Barrens and more. But being so crowded, it’s sometimes difficult to find an affordable place to call your own.
In much of the Garden State, cheap rent is hard to find. Living in the shadow of cosmopolitan skyscrapers, along a boardwalked ocean or in an upscale farm community can drive up rent prices. You will be paying for both pastoral beauty and big city convenience.
The state also offers cities between the cities with all their urban amenities and in the up-and-coming spots not too far out of the way. There you’ll find plenty of affordable apartments across the state from North Jersey to South — even in Central Jersey. To determine the top ten cheapest places to live in New Jersey, we parsed average one-bedroom rents for the 58 largest qualifying communities in the state. We then ranked them to determine the most affordable rental cities.
Overall, rent prices for an average one-bedroom apartment in New Jersey run $2,163 a month — a figure that is up a hefty 7.9 percent from a year ago. The average lease price is just about $1,500 a month less than the most expensive city in the Garden State and a little over a grand more than the cheapest (see below).
All told, the state offers a swing of $2,661 between the priciest and most affordable cities to rent in Jersey.
Every one of the top 10 cheapest places to live in New Jersey for renters comes in under $1,600 a month for an average one-bedroom.
The most expensive rental prices in Jersey are unsurprisingly clustered around New York, but the cheapest apartments are found nearly everywhere in the state. Four of the top 10 sit in metro New York, while two are in suburban Philadelphia. The remainder of metros with low housing costs lie in outlying New York suburbs, Central Jersey and one lone shore town takes a spot in the top 10.
Looking for a rural Garden State town away from the bustle of New York and Philly? Seek no further than Randolph.
Located in woodsy Morris County, sprawling Randolph is primarily forest and farmland. The township has many pockets of single-family home neighborhoods and airy apartment complexes. Rents in Randolph run $1,570 a month for a one-bedroom apartment on average.
Most of Randolph’s population and businesses follow the length of State Route 10 in the township’s northern section. A number of large parks fill the township, including James Andrews Memorial, Brundidge-Sussex, Freedom, Clyde Potts and Heistein parks. Shongum Lake offers hunting, fishing, hiking and boating, along with the 150-year-old Shongum Club.
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Lying to the northwest of O.G. Plainfield, North Plainfield is an expansive, affordable city between Washington Rock State and Green Brook parks. US Route 22 forms the spine of the borough, running southwest to northeast.
The urban route is home to an assortment of chain restaurants, service shops, car dealerships and roadside convenience stores. It’s also adjacent to a number of multi-building apartment complexes.
Those highway-side apartments set a convenient home for commuters to business in much of Lower North and Central Jersey. Rental units in North Plainfield average an affordable $1,518 a month for a one-bedroom.
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Sandwiched between the Passaic and Hackensack Rivers is the marshy borough of North Arlington. The community of just 15,000 residents offers affordable rents and high quality of life. For living residents that is. The borough is home to the Holy Cross Cemetery and North Arlington Jewish Cemetery. The two burial grounds cover an eighth of the land in North Arlington — this gives the town a deceased population 20 times greater than its living one.
The remainder of North Arlington is mostly standard New Jersey suburban housing. It features tracts of single-family homes and a number of apartment buildings.
The borough also has a good amount of green space. Riverside County Athletic Park sits at the community’s northwest corner and Richard W. DeKorte Park is an estuary park on the Hackensack. Along the river are hiking paths, an environmental center and a telescope observatory.
While the dead don’t need to pay rent here, the living do. Fortunately, it is affordable in North Arlington. A monthly lease stands at just $1,487 for an average one-bedroom unit.
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Just three and a half miles from the tip of Staten Island, Edison is one of the cheapest places to live in New Jersey within a stone’s throw of New York City.
Opposed to some of the affordable places on this list, Edison is a bustling city. It’s the fifth-largest in the state with nearly 100,000 residents. Its most famous historical resident was Thomas Edison, who operated his lab in the township’s Menlo Park section.
Proximity to New York as well as its adjacency to Raritan Bay and the Atlantic Ocean has made Edison a transportation hub as well. Interstate 287 and US Route 1 run directly through the township, as does the I-95 New Jersey Turnpike. The Garden State Parkway is less than a mile east of town. As well, Edison Station is a stop on New Jersey Transit’s Northeast Corridor Line with service from Penn Station to Trenton.
An average one-bedroom apartment in Edison leases for just $1,483 monthly — a figure nearly 7 percent lower than this time last year.
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Talk about bang for your buck. Over the course of the last 15 years, Parsippany ranked seven times on the Money Magazine Best Places to Live in the United States list. For most of those years, it held the highest ranking in New Jersey.
Even with that ringing endorsement, Parsippany, at $1,463 a month on average for a one-bedroom unit, sits as the cheapest place to live in New York City’s eastern gateway suburbs. Compare that to next-door neighbor Morris Plains, one of the priciest in the state with the same unit averaging $2,605. If you’re looking for an affordable town with low rent prices, get to Parsippany before the secret is out.
About 30 miles outside Manhattan, the commute into the city is long but reasonable while being far enough away to feel suburban and disconnected. Like a good suburb, there is abundant green space. This includes over 30 named parks. Its public schools are continuously highly rated, with a 95 percent graduation rate.
Parsippany also enjoys a very low crime rate.
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As the saying plastered on the Lower Trenton Bridge states, “Trenton makes and the world takes.” The New Jersey capital has long been one of the most important cities in the state because of its affordability relative to the median household income. Throughout its life, Trenton has existed as a countryside residence, Revolutionary War key battle site, college town, manufacturing city and government center. It was even the United States Capital for 64 days!
Today, the city’s diverse neighborhoods collectively give rise to the fifth cheapest rents in the Garden State — $1,370 a month for an average one-bedroom. With a population of nearly 85,000, Trenton is the tenth-largest in the state, just a couple thousand fewer than its next-door neighbor, Hamilton.
Trenton offers a vibrant downtown housed along the Delaware River. This region circles the State Capitol Complex — extending down to Arm & Hammer Park, home of the Trenton Thunder. Even with its low rent prices, one of the city’s primary amenities is its convenience. As the state capital, it purposely lies on the border of the massive metro areas of New York and Philadelphia.
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Halfway between the Burlington-Bristol and Betsy Ross Bridges into Philadelphia is Delran. It sits at the confluence of the two waterways that gave rise to its name, the Delaware River and Rancocas Creek. The primarily residential township lies just across the Delaware from the Northeast Philly neighborhoods of Holmesburg and Torresdale and north of its Garden State neighbor, Cinnaminson.
Delran’s affordable rents, just $1,363 for an average one-bedroom, belie its residential convenience. Situated along US 130, the township is easily accessible to North Philly, Cherry Hill, Trenton and Lower Bucks County. As well, the New Jersey Transit River Line light rail from Camden to Trenton runs right along the Delran shore, with stations in Cinnaminson and Riverside.
A number of eateries, shops and service centers line Burlington Pike. And Delran touches the Delaware River at Dredge Harbor — a riverside spot that offers a number of boat launches and a yacht club, as well as access to Amico Island Park.
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First to clarify — Absecon is a town on the western shore of Absecon Bay (often confused with Absecon Island). Absecon — the city — is a residential community on the mainland bisected by the Absecon Creek and where through White Horse Pike slices.
At just $1,350 a month for an average one-bedroom apartment, Absecon is by far the cheapest shore town for renters. It lies just 15 minutes from the Boardwalk and the ocean. That’s close enough to enjoy an afternoon on the beach but separate enough to avoid the tourists and the summer renters.
Much of the city is marshy wetlands along the Bay. But the remainder contains tracts of residential housing and a smattering of diners and bars along the throughways to Atlantic City.
Public transportation into Philadelphia is a breeze as well. New Jersey Transit’s Atlantic City Line’s Absecon Station serves riders right into West Philly’s 30th Street Station.
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If you have ever read author Mitch Albom, you are already familiar with the borough of Oaklyn. It’s a place he described as, a “small, middle-class neighborhood which most people never left.”
For those that stayed, they are residents of the cheapest place to live in South Jersey — a one-bedroom rents for just an average of $1,285 a month. That figure represents a decrease of 17.26 percent since last year, the second steepest drop of any city in the state.
Carved out of beloved Haddon Township in the 19th century, Oaklyn sits just two miles from the Delaware River and only 15 minutes from Center City Philadelphia over the Walt Whitman Bridge.
With a population of only 4,000, Oaklyn offers much of the charm of its South Jersey neighbors like Collingswood and Audubon. A number of unique restaurants, pubs and shops are along White Horse Pike, forming its western border. And for beer lovers, Tonewood Brewing and Philly Homebrew Outlet are in the center of town.
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Tucked into an enclave east of the Brunswicks and west of Sayreville is the small borough of South River, the most affordable place to live in New Jersey. With one-bedrooms leasing under $1,100 a month, the Central Jersey community on its eponymous river is the cheapest place to live in all of New Jersey for renters.
The town of 16,000, formerly part of East Brunswick, is an inviting residential location with a deep immigrant history. The town grew post-war with an influx of Polish, Russian, Portuguese and Belarusian immigrants. Today, residents with Asian, Mexican and Brazilian backgrounds continue the trend.
The quiet hamlet enjoys the benefits of a bedroom community while maintaining its small-town feel and affordable rents, making it a dream home for many. Conveniently located along State Route 18, South River is just a few miles from the New Jersey Turnpike. This affords easy access to anywhere else in the state.
A modest downtown along Main Street offers bakeries, Mexican restaurants and barbecue joints. The town offers a number of parks and green spaces including three along the South River riverside, as well as Dailey’s Pond Recreation Area — plenty of places to enjoy some fresh air alongside your low cost of living.
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As you expand the list of the cheapest places to live in New Jersey for renters to the top 25, geographic diversity increases. Among these are nine greater New York City towns and four in metro Philly. There are 15 in total in North Jersey and five each in Central and South Jersey.
A number of extremely livable cities populate the top 25. These include the Central Jersey towns of Princeton Junction, Lawrenceville and Plainsboro, suburban Mount Holly and Rahway and Newark, the state’s largest city.
Alas, many rental rates in New Jersey are most certainly not cheap. To find the state’s highest rents, look close by New York City.
Of the ten most expensive Jersey cities to rent an average one-bedroom apartment, nine are in greater New York. Six of those sit just across the river from Manhattan. One lone town in the top ten is a long distance from New York. Princeton, with its Ivy League university and trendy suburban main street, comes in at the sixth-most pricey.
Rent prices are based on a rolling weighted average from Apartment Guide and Rent.’s multifamily rental property inventory as of May 2023. Our team uses a weighted average formula that more accurately represents price availability for each unit type and reduces the influence of seasonality on rent prices in specific markets.
We excluded cities with insufficient inventory from this report.
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
Known as Big Sky Country, Montana boasts breathtaking landscapes, including the Rocky Mountains, Yellowstone National Park, and vast prairies that stretch as far as the eye can see. The state is also rich in history, with a strong Native American heritage and a vibrant frontier past. Whether you’re browsing homes for sale in Billings, considering renting in Missoula, or exploring houses for rent in Bozeman, here’s what you need to know before moving to Montana.
Montana, known for its stunning landscapes and outdoor lifestyle, is home to several big cities. The largest cities include Billings, the state’s largest metropolitan area with a strong economy and diverse services; Missoula, known for its cultural scene and proximity to outdoor adventures; and Bozeman, which has a thriving tech industry and is a gateway to Yellowstone National Park. Major employers in the state include healthcare organizations like Billings Clinic, educational institutions such as Montana State University, and companies like D.A. Davidson & Co. and the Bozeman-based tech firm, Foundant Technologies.
Life in Montana is characterized by its wide-open spaces, a slower pace, and a close-knit community feel. The state’s cultural scene is rich with local arts, including numerous galleries, theaters, and music festivals that celebrate its western heritage. Residents enjoy a high quality of life with ample opportunities for outdoor activities such as hiking, fishing, and skiing. The weather varies significantly, with cold, snowy winters and warm, sunny summers, making it essential to be prepared for seasonal changes. Additionally, cities like Evergreen and Helena offer more affordable places to live while still providing access to Montana’s natural beauty and community amenities.
Montanans are known for their welcoming and laid-back attitude, often reflecting the state’s rural and outdoor lifestyle. This friendliness is evident in the local customs, such as the “two-wave salute,” where drivers passing each other on country roads wave as a sign of acknowledgment. Community events and gatherings, such as county fairs and local festivals, further exemplify the state’s tight-knit social fabric. Embracing these friendly interactions in the best places to live in Montana, such as Bozeman, Missoula, and Billings, can help newcomers quickly feel at home and integrate into the local culture.
Montana’s vast wilderness is home to a variety of wildlife, including bears, moose, and mountain lions. It’s crucial for residents and visitors to maintain a safe distance from these animals to avoid dangerous encounters and to respect their natural habitat. Proper food storage, bear-proof containers, and staying alert during outdoor activities are essential for safety. Understanding and following local wildlife safety guidelines can prevent accidents and contribute to the conservation of Montana’s diverse ecosystems.
Insider scoop: When hiking in bear country, always carry bear spray and know how to use it; it’s a crucial tool for deterring aggressive bears and can be a lifesaver in an emergency.
Montana offers a range of living costs, with median home sale prices and rental rates varying significantly between urban and rural areas. The median home sale price in Montana is $537,000, with higher prices in popular cities like Bozeman, where the median home sale price is $669,000. In contrast, more affordable housing options are available in smaller towns such as Great Falls, where the median home price is $345,000. Rental rates also differ widely; for example, a two-bedroom apartment in Bozeman might cost around $2,575 per month, while in a smaller town like Billings, average rents may be closer to $1,692 per month. Overall, Montana’s cost of living is generally higher in its urban centers but more affordable in rural areas, offering options for various budget levels.
If you’re planning on moving to Montana, you’ll want to consider the pros and cons of living in the Big Sky Country.
Montana’s diverse landscapes offer a wide range of outdoor activities, from hiking and mountain biking to fishing and skiing. Iconic spots like Glacier National Park and the Bitterroot Mountains provide opportunities for exploring dramatic scenery and engaging in adventure sports. Seasonal activities, such as whitewater rafting in the summer and skiing at Big Sky Resort in the winter, cater to outdoor enthusiasts year-round. Embracing these outdoor opportunities can enhance your experience of living in Montana and connect you with its natural beauty.
Travel tip: Make sure to invest in high-quality outdoor gear suited for the varying weather conditions and rugged terrains, and always check local conditions before heading out for your adventures.
Much of Montana is characterized by its vast, rural expanses, with small towns and wide-open spaces defining the landscape. This rural character means that many services and amenities are concentrated in larger cities like Billings and Missoula, while smaller towns may have limited options. The wide distances between communities can impact travel times and access to resources. Adapting to rural living involves embracing a slower pace and preparing for the challenges of living in less densely populated areas.
Winters in Montana can be particularly harsh, with temperatures often dropping well below freezing and significant snowfall common throughout the state. Areas like Bozeman and Missoula experience extended periods of cold weather, which can impact daily life and transportation. Investing in four-wheel-drive vehicles and winterizing your home are essential steps to handle the challenging conditions.
Insider scoop: Keep an emergency kit in your car, including essentials like blankets, food, water, and a shovel, to ensure you’re prepared for unexpected weather-related situations or roadside emergencies.
Montana’s craft beer scene is lively, with numerous local breweries offering a diverse range of innovative and high-quality beers. Cities like Missoula, Bozeman, and Billings have a variety of taprooms and brewpubs that highlight local ingredients and brewing techniques. Events such as the Montana Brewers Festival celebrate the state’s growing craft beer industry and offer opportunities to sample a wide selection of brews. Engaging with the local craft beer community can be a delightful way to explore Montana’s culinary culture.
Insider scoop: Visit smaller, off-the-beaten-path breweries to discover unique, limited-edition brews that may not be widely available but offer a taste of local flavor and creativity.
Montana is home to several respected higher education institutions, including Montana State University in Bozeman and the University of Montana in Missoula. These universities offer a range of academic programs and research opportunities, contributing to a vibrant student community. The state also supports smaller colleges and specialized schools, providing diverse educational paths.
Ranching is a cornerstone of Montana’s economy and culture, with the state’s expansive grasslands providing ideal conditions for cattle and sheep farming. Many Montanans have deep roots in ranching, and it plays a significant role in local traditions and community events. The annual Montana Stockgrowers Convention and local rodeos celebrate this heritage and showcase the importance of ranching in Montana’s history. Those interested in agriculture or rural life will find ranching culture deeply embedded in the state’s identity.
Public transportation in Montana is notably limited, especially in rural areas and smaller towns. While cities like Billings, Missoula, and Bozeman offer a few public transit options, such as buses and regional shuttles, these services are often limited in frequency and coverage. For instance, in cities like Great Falls or Helena, public transit may consist of only a few bus routes with infrequent service. In more remote areas, such as rural ranching communities or mountainous regions, public transportation options are minimal or non-existent, necessitating personal vehicles for commuting and accessing essential services.
Travel tip: Newcomers to Montana should be prepared to rely heavily on their own transportation and plan for long travel distances, especially if living outside major urban centers.
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Source: rent.com