rural Archives - Page 8 of 93 - Hanover Mortgages

Apache is functioning normally

August 5, 2024 by Brett Tams

Before any federal tax incentives, the average cost for solar panels in Illinois was $35,347 during the second half of 2023. Illinois offers many incentive programs, in addition to federal tax incentives, for installing solar panels.

Illinois Solar For All, for example, helps low-income households add solar panels to their roofs, typically for no upfront cost. Illinois Shines pays an incentive upfront by purchasing solar renewable energy certificates (SRECs) from certain solar panel owners. Due to these programs, solar panels are often much more affordable and have a faster payback rate than in many other states.

Solar costs in Illinois at a glance


Typical cost of home solar system before federal solar tax credit
Typical cost of home solar system after federal solar tax credit
Median cost per watt
Average system size
Source: EnergySage, a solar and home energy product comparison marketplace founded in 2012. Data is from the second half of 2023.

Costs and trends in Illinois

Solar panel system costs in Illinois are slightly higher than the national average, at $3.10 per kW in 2023. System sizes are also close to the national average. System sizes trended slightly downward from early 2023 to the second half of the year, from 11.8kW to 11.4kW, according to EnergySage.

The Illinois Power Agency requires their approved vendors to provide specific disclosure forms about pricing

. This helps customers compare quotes for solar panels. Multiple bids can help customers find the best pricing and maximize the benefits of the available incentives in Illinois.

Residential solar panel policy in Illinois

Illinois has a Renewable Portfolio Standard that requires 25% of the state’s energy to come from renewable sources by 2025

. The state’s Future Energy Jobs Act of 2016 requires the state’s two biggest electric utilities to expand their energy-efficiency programs and makes renewable energy more accessible to Illinois residents .

Illinois tax incentives, rebates and net metering

Net metering/billing

Major investor-owned utilities offer net metering in Illinois. Net metering is a billing mechanism that credits homeowners and businesses for excess solar electricity they generate and send to the power grid. Rural electric cooperatives and municipal electric providers have slightly different net metering policies but also offer net metering.

“Net metering policies and rates for ComEd, Ameren and MidAmerican distributed generation (on-site) residential and small commercial solar customers are changing starting in 2025,” Audrey Steinbach, Senior Program Manager of Illinois Shines, said in an email.

“Currently, Illinois residents and small businesses receive a credit at the ‘retail rate.’ That is, all excess generation sent to the grid is compensated at the rate that customer pays for distribution and supply from the utility,” Steinbach said. “Systems that receive retail rate net metering will continue to be credited at that rate for the life of the system. Full retail net metering will no longer be available to residential and small commercial customers interconnecting new renewable systems after December 31, 2024.”

Smart inverter rebate

Residential customers of ComEd, Ameren and MidAmerican can receive a rebate of $300 per kW of DC power if they choose to install a smart solar inverter

.

Illinois Solar For All

This program offers a path to rooftop solar that requires no initial payment up front and saves lower-income households money throughout the life of the system. The program defines low-income households as those earning 80% or less of the Area Median Income

.

Illinois Shines

The state issues SRECs to solar providers that install renewable energy systems such as residential solar. The solar providers then sell the SRECs to Illinois Shines, and they may pass the savings onto their customers. “Anecdotally, we’ve heard that REC incentives covered about 40% of installation costs,” said Anthony Star, Chief of the Planning and Procurement Bureau at the Illinois Power Agency, in an email

.

Get more smart money moves – straight to your inbox

Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.

Energy storage in Illinois

Solar batteries can bring peace of mind that can come with a battery backup, but they often cost thousands of dollars.

“To date in 2024, 3.9% of residential projects that have been verified include battery storage,” Star said. “The programs administered by the IPA (Illinois Shines and Illinois Solar for All) do not include incentives for batteries. A rebate is available through the utilities if a battery is included in an installation that includes a smart inverter. The current rebate level is $300/kWh.”

Frequently asked questions

Do all electric providers offer net metering in Illinois?

The net metering guidelines for Ameren, ComEd or MidAmerican customers are slightly different than for other providers. If you’re in Mount Carmel or have service from a municipal utility or a rural electric cooperative, contact your electric provider to get the specifics of their net metering policy.

Is Illinois Solar For All restricted to homeowners?

If you rent or don’t have a suitable roof, there’s a way to subscribe to a community solar farm via Illinois Solar For All and receive some savings. Renters in places with a suitable roof can talk to their landlords about applying for Illinois Solar For All or finding an approved vendor through Illinois Shines. Solar panels can make particular rental properties more appealing due to the lower energy costs.

Source: nerdwallet.com

Apache is functioning normally

August 4, 2024 by Brett Tams

When something goes wrong with your car out on the road, most people have two options: Call an emergency towing service, or contact your roadside assistance program. Those two choices may sound like the same thing, but there are important differences.

Read on for a breakdown of what you can expect from each of these services, including pros and cons, and average costs.

Recommended: Does Auto Insurance Roadside Assistance Cover Keys Locked in a Car

What Is Roadside Assistance?

Roadside assistance comes to your aid when your car breaks down or some other mishap keeps you from using your car. If you find yourself stranded, roadside assistance will send help (think a mechanic, locksmith, tow truck) to get your car back on the road, to a repair shop, or back home.

Roadside assistance packages vary from one provider to the next, but most include the following:

• Flat tire change

• Battery jump-starts

• Fuel delivery

• Lockout assistance

• Winching/extrication

• Quick-fix services

Any benefits you receive on top of these basics are determined by the roadside assistance plan you have. For example, some plans include trip interruption coverage or a guaranteed arrest bond if you’re charged with a traffic violation. Plans may also offer savings on car maintenance costs, car rentals, hotels, and other perks. Extra benefits may come at an extra cost, however, so it’s important to compare plans carefully.

There are a few different ways you can get a roadside assistance plan:

• Many insurance companies offer some type of roadside assistance coverage, usually as an add-on to your auto insurance policy. If you’re concerned about cost, there are other ways to lower car insurance premiums.

• Another option is to pay for an auto club membership that’s separate from your auto insurance.

• Your car manufacturer may include a roadside assistance package as part of your warranty or as a limited free trial for a service you can later purchase.

• Some credit card companies offer access to roadside assistance as a perk to cardholders.

Recommended: Why Personal Insurance Planning Is Important

What Can You Expect When Calling Roadside Assistance?

One of the benefits of participating in a roadside assistance program is that you’ll know exactly who to contact if you need help with your car. You can program the customer assistance number into your phone or download the program’s app, or you can tuck your membership card into your wallet or glove compartment.

Here’s what to expect when you call roadside assistance:

Recommended: How to Get Car Insurance

Calling for Help

First things first: If your child is locked in the car or you’re in a situation where you feel unsafe, you may want to make your first call to 911. The 911 dispatcher will determine whether to send an officer to help.

If you feel safe, you can go straight to calling roadside assistance. You may be asked to verify that you have an account or that the car is yours. It can help to be ready with your license and registration, proof of insurance, and your roadside assistance plan’s membership card.

Your roadside assistance dispatcher will send the appropriate help from a network of service providers to your location. A technician may try to fix your car on site. But if that isn’t possible, you can have your vehicle towed to a repair shop or your home, if that’s your choice and it’s within your plan’s mileage limit.

Getting Home

If your car needs to be towed to a repair shop, you probably will be able to ride with the tow truck driver. Once you’re finished there, it’s up to the tow truck driver (or company policy) if you can get a ride home. During busy times, you may be responsible for getting home on your own.

If you’re out of town when your car breaks down, roadside assistance coverage will sometimes pay for an overnight stay in a hotel. (If you travel a lot, you may want to see if this benefit is available when you’re comparing plans.)

Wait Times

Many roadside assistance programs work with a network of providers, so when you call, there may be someone nearby who can get to you quickly and offer the services you need. Generally, you can expect help to arrive in less than an hour.

Several factors can impact your wait time, however. If there’s heavy rain, wind, or a snowstorm, for example, you may have a longer wait. It can also take a while to get help if you’re in a rural location that’s far from a locksmith, mechanic, or towing service — or if you’re in a busy city at rush hour.

Some plans provide updates through texts or an app so callers can track their current wait time.

Payment

How the service provider who comes to your aid is paid depends on the plan you’re enrolled in. With some programs, if you use the toll-free number or an app, and the dispatcher sends a technician to help, you may not have to pay anything upfront for covered services. But if you contact a tow service, mechanic, or locksmith directly, you will likely pay out of pocket, then submit receipts to your plan for reimbursement.

Some plans don’t have a central dispatcher. In that case, you’d call a provider directly, pay for the services, and then file a reimbursement claim. No matter how your plan handles payments, it’s a good idea to keep a credit card on you when driving.

There is no deductible for roadside assistance. Most programs have very specific limits on what they will cover. For example, if a service technician delivers fuel to your car because you’ve run out of gas, the delivery may be free, but you may have to pay for the gas.

Recommended: How to Get Car Insurance

What Is the Average Cost of Roadside Assistance?

The price of a roadside assistance plan varies based on several factors, including:

• how many vehicles or drivers you want to cover

• where you live

• whether coverage is through your auto insurance or another source

• the level of coverage you choose

Some plans charge less for annual coverage and more for services received or vice-versa. It can be useful to compare online insurance benefits and quotes to get a sense of what’s available and at what cost.

Generally, you’ll pay less for a plan that’s an add-on to your auto policy versus a stand-alone membership. Allstate, for example, offers a roadside assistance insurance add-on for as little as $25 per year for one vehicle. Without an Allstate policy, the cost of a roadside assistance membership starts at $73 for the first year.

If your insurer doesn’t offer 24-hour roadside assistance, or you don’t like your insurer’s plan, you may want to check out what other insurance companies are offering.

Recommended: How Much Does Insurance Go Up After an Accident?

Pros and Cons of Roadside Assistance

One of the biggest pros of roadside assistance coverage is that you know you’ll have someone to contact any time you’re in need. You can call for advice or hands-on assistance, and someone will be there to help.

As noted above, some plans will post a bond if you’re charged with a traffic violation or reimburse you (within limits) if you need to stay in a hotel overnight. Plans may also include benefits that go beyond roadside breakdowns, such as discounts on travel and entertainment.

If you have to call roadside assistance even once, you may save enough on the services rendered to cover your cost for the year.

Still, no one likes the idea of paying for something they may never use. If you have a newish car that’s well-maintained or you seldom drive far from home, you may decide roadside assistance isn’t for you.

Coverage limits can also be disappointing. Enrolling in a roadside assistance plan doesn’t mean you’ve got a blank check that will cover any cost you incur. You may have to pay something for a tow if you go beyond the mileage limit, for example, or you may have to pay for a new battery or tire if yours needs replacing. There also may be an annual limit on the number of calls for service you can make.

Also, not all costs are covered upfront. Your plan may require you to submit receipts for reimbursement in some or all instances. If you’re averse to paperwork, that may be something to consider.

What Is an Emergency Towing Service?

The main purpose of emergency towing services is to move a vehicle when the driver can’t get back on the road without help. There are several circumstances that might require calling for an emergency tow, including:

• When you’re in an accident, and either your car can’t be driven or you’re in no shape to drive

• If your car isn’t running, and it’s blocking traffic or putting you and other drivers in danger

• If you’re pulled over by law enforcement, and the officer determines you can’t drive

There are a couple of circumstances in which your car insurance may pay for a tow, even if you don’t have roadside assistance coverage:

• After an accident and you have collision coverage

• If your car is damaged in a flood, fire, etc. and you have comprehensive coverage

But in most cases, if you don’t have roadside assistance or “towing and labor” coverage through your auto insurance policy, an auto club membership, or a car warranty, you may be on your own when it comes to paying for your vehicle to be towed away.

What Can You Expect When Calling an Emergency Towing Service?

If your car breaks down close to home, you may be able to directly call a reliable repair shop or towing service you’ve worked with in the past. Having that connection can be a benefit if you want to choose the company that will come to your aid quickly.

But if you’re far from home and unfamiliar with the service providers available, you may have to cross your fingers and hope for the best when you call for a tow.

Here’s what you can expect when you call for emergency towing without a roadside assistance plan:

Calling for Help

If your regular mechanic or garage has the right equipment for your needs (a tow truck, a flatbed truck, a winch, etc.), you may be good to go. They can come pick up your car and get you the help you need.

But if you can’t call your favorite repair shop — because you’re out of town or it’s after hours — you may have to make a few calls before you find the appropriate help.

Some companies don’t require a subscription to use their towing and roadside assistance network, so you can try contacting them for help. But if their network doesn’t include services where you are, you may have to try your luck dialing local tow truck companies.

When a tow truck comes to your location, the driver may be able to offer on-site assistance with a flat tire, dead battery, or other problem. But you can’t necessarily count on getting the same help you’d get with a roadside assistance plan. The driver may be equipped only to tow your car back to your house or to a repair shop. And you can expect to pay in full for every service you receive if you don’t have roadside assistance coverage.

No matter who you call, it’s important to be clear about what you need. And of course, if you’re in an accident or feel as though you’re in danger, you should call 911 first.

Getting Home

You may be able to get a ride home from the tow truck driver after they take your car to the garage. But just as with a roadside assistance plan, it will likely be up to the individual driver’s discretion or company rules. If you aren’t sure if there will be a cost for the ride, you may want to ask before you get in the truck. And if you’re far from home, you also may want to ask for hotel recommendations.

Wait Times

Response times for tow trucks generally are determined by availability. If you call a tow company directly and there’s a truck close to your location, you may be able to get faster service than you would calling a roadside assistance plan because you’re eliminating the middleman.

But the same things that can hold up a truck coming through a roadside assistance dispatcher can slow down a company you call directly, including inclement weather, rush hour traffic, and distance.

Payment

If you call a tow truck directly, you can expect to pay the bill out of pocket. Depending on why you’re calling and the type of insurance coverage you have, you might be reimbursed for some costs. But if you’re calling about an overheated engine, dead battery, or flat tire, and you don’t have roadside assistance coverage, your insurance company typically won’t reimburse you for your costs.

What Is the Average Cost of Emergency Towing Services?

According to J.D. Power, towing rates in the U.S. can range between $2.50 and $7 per mile, and the average cost of a tow is about $109. But besides distance, several factors can affect the overall cost of a tow.

It may cost less to have your car towed after a breakdown than if you’ve been in an accident. And if the tow company needs to use special equipment — because your car is stuck in mud, snow, or a deep ditch, for example — that can also increase the price.

Many tow companies also include a base charge or “hook-up” fee that can range from $35 to $100. Some tow companies have a list of basic charges on their website, but if you can’t find pricing, you may want to ask so there aren’t any surprises.

Pros and Cons of Emergency Towing Services

One of the biggest upsides to using emergency towing service may be that you’re eliminating the middleman. You don’t have to wait for the dispatcher to find a network-approved provider to come and get you; you can call any company you like.

Of course, this can also be a drawback if you’re far from your favorite mechanic or repair shop. You may have to make multiple calls to find a tow truck that can come to your rescue.

Another plus to consider is that you won’t have to worry about paying for roadside assistance coverage every year whether you use it or not. You’ll only pay for services you actually use.

But if you do end up calling a tow truck even once and you don’t have coverage, it can mean a whack to the wallet. You can end up paying more for that one tow than you would for a year of roadside assistance coverage — and you won’t be getting the perks.

How To Decide Between Roadside Assistance and Emergency Towing Services

Because there are pros and cons to both roadside assistance coverage and emergency towing services, here are some things you may want to look at when you’re trying to decide between the two:

Your Comfort Level

Are you someone who likes having a plan when things go wrong, or are you OK with winging it? If you like the security of knowing you’ll have just one call to make if you need help on the road, you may prefer roadside assistance coverage.

Your Car

If your car is new or it’s well-maintained and the chances of a breakdown are slim, you may decide you don’t need to pay for roadside assistance coverage.

The cost of some roadside fixes may be covered if your car is still under warranty. And if you have collision or comprehensive coverage through your auto insurance policy, towing costs may be paid in some circumstances.

Your Family’s Needs

Maybe your car is an older model that isn’t exactly reliable. Or maybe you have some first-time drivers in the family, and you want to feel confident they’ll know who to call (besides you) if they run into trouble on the road. You might want to look into what it would take to get new drivers roadside assistance coverage for the whole family.

Value

You may want to list side-by-side the costs of having a roadside assistance plan versus what you might end up paying for a tow or other services out of pocket. Can you afford a plan that fits your needs and budget? Can you afford to not have coverage? (Keep in mind that if you use your plan just once, it may pay for itself for the year.)

Recommended: Auto Insurance Terms, Explained

The Takeaway

When the unexpected happens on the road, you can wing it and call for a tow truck. Or you can contact roadside assistance and feel confident that someone will come help you out ASAP. What’s more, some or all of the cost of getting your car back on the road could be covered under your plan.

Many drivers consider roadside assistance a good deal for the money: The cost of just one tow is often more than the annual cost of roadside assistance. If you travel a lot, or have young children or new drivers in the family, roadside assistance may be what you need.

When you’re ready to shop for auto insurance, SoFi can help. Our online auto insurance comparison tool lets you see quotes from a network of top insurance providers within minutes, saving you time and hassle.

SoFi brings you real rates, with no bait and switch.

FAQ

What is emergency roadside assistance good for?

Roadside assistance coverage can help you deal with and pay for a range of unexpected costs you might run into while on the road — from fixing a flat tire on site to towing you to a repair shop for major repairs.

Is emergency roadside assistance worth it?

No one likes paying for something they may never use. But if your car breaks down just once, the convenience and savings you get through your roadside assistance plan may make it worth paying the annual cost.

What is the difference between emergency towing and roadside assistance?

Roadside assistance coverage is meant to help you get the service you need when you have car trouble — on the road or at a repair shop. Depending on the problem, roadside assistance may cover all or a portion of the costs. On the other hand, emergency towing is meant to get your car off the road and to a repair shop where it can be fixed. Generally, you can expect to pay for all the costs related to this service.

Photo credit: iStock/sefa ozel

Insurance not available in all states.
Experian is a registered service mark of Experian Personal Insurance Agency, Inc.
Social Finance, LLC (“SoFi”) is compensated by Experian for each customer who purchases a policy through Experian from the site.

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

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.

SOPRO-Q324-006

Source: sofi.com

Apache is functioning normally

August 4, 2024 by Brett Tams

Maine, known for its stunning natural beauty and picturesque coastal towns, provide endless opportunities for outdoor adventure and New England charm. The state is dotted with iconic lighthouses, delicious seafood, especially lobster, and a rich maritime history. Whether you’re browsing homes for sale in Portland, considering renting in Bangor, or exploring houses for rent in Bar Harbor, here’s what you need to know before moving to Maine.

Maine at a glance

Living in Maine provides a mix of coastal charm, stunning natural landscapes, and a laid-back lifestyle. Portland, the state’s largest city, is known for its arts scene, historic architecture, and renowned food culture, particularly its seafood. Other notable cities include Augusta, the state capital, which has a rich history and small-town feel. Maine’s picturesque small towns, like Bar Harbor and Camden, add to the state’s appeal with their scenic beauty and welcoming communities. The state’s affordable cost of living, especially in rural areas, makes it an attractive option for those seeking a quieter, more relaxed lifestyle.

Maine’s job market is diverse, with significant industries including healthcare, education, tourism, and marine-related activities. Major employers in the state include MaineHealth, L.L.Bean, and the University of Maine System. The state’s cultural scene is rich, featuring numerous festivals, art galleries, and theaters that celebrate Maine’s heritage and creativity. With its strong sense of community, thriving job market, and abundant recreational opportunities, Maine offers a unique and inviting environment for those looking to move to the Pine Tree State.

1. Maine is a seafood lover’s paradise

Maine’s reputation as a seafood paradise is built on its abundance of fresh, high-quality seafood, particularly from its cold, nutrient-rich waters. The state is renowned for its lobster, with catchings daily, ensuring restaurants and markets have the freshest product available. In addition to lobster, Maine is famous for its clams, mussels, and oysters, which are featured in a variety of local dishes.

Insider scoop: For a true Maine seafood experience, visit coastal towns like Portland, where you can enjoy seafood from iconic spots such as Eventide Oyster Co. and The Lobster Shack in Cape Elizabeth.

2. The cost of living varies throughout the state

Maine’s cost of living varies significantly by region, with coastal areas like Portland and Bar Harbor commanding higher housing prices due to their desirable locations. In Portland, the median home sale price is 650,000, with a rental rate of $2,622 for a one-bedroom apartment. Conversely, inland cities such as Lewiston offer more affordable housing, with a median home sale price of $312,000, and average rental rates of $1,325. Despite moderate costs for groceries, healthcare, and utilities, those moving to Maine should carefully consider their desired location, as housing costs can greatly influence their overall budget.

If you’re considering a move to Maine, it’s essential to weigh the pros and cons of life in the Pine Tree State to fully understand what to expect.

3. Tourism is a significant part of Maine’s economy

Tourism plays a crucial role in Maine’s economy, with millions of visitors flocking to the state each year to experience its natural beauty. Popular destinations like Acadia National Park, with its breathtaking views and hiking trails, attract many looking for an escape. The charming coastal towns of Kennebunkport and Ogunquit draw tourists seeking quaint shops, scenic views, and beach access. Additionally, the state’s festivals, such as the Maine Lobster Festival and the Old Port Festival in Portland, contribute significantly to local economies by boosting seasonal tourism and supporting small businesses.

Travel tip: For a more immersive experience, purchase tickets to the Maine Lobster Festival in advance and check for local lodging options early, as accommodations in popular areas like Bar Harbor fill up quickly during peak tourist season.

4. The winters are very cold

Maine winters are known for their severity, with temperatures often plunging well below freezing and heavy snowfall common from November through March. The state averages over 60 inches of snow annually, with some areas, especially inland and northern regions, receiving even more. This can lead to challenges such as snow removal, icy roads, and extended heating needs. Residents must be prepared for winter driving conditions and the possibility of power outages. For instance, in places like Rangeley, snowshoeing and ice fishing are popular winter activities, but they require a preparedness for intense cold and snow accumulation.

5. Maine is known for its iconic coastline

Maine’s coastline stretches over 3,000 miles and features some of the most iconic and picturesque coastal landscapes in the United States. From the rugged cliffs and rocky shores of Acadia National Park to the charming lighthouses like Portland Head Light, the coastline offers stunning views and rich maritime history. The coastal region is dotted with quaint fishing villages and scenic harbors that reflect the state’s maritime heritage. Towns like Camden provide beautiful waterfronts where visitors can enjoy boat tours, kayaking, and seaside dining with unparalleled views.

6. Lobster rolls are the state’s staple

Lobster rolls are a quintessential Maine delicacy and a point of pride for locals. These sandwiches feature freshly picked lobster meat, often mixed with a light dressing of mayonnaise, and served in a buttered, toasted bun. The preparation varies from place to place; some establishments use a simple recipe to highlight the lobster’s natural sweetness, while others add ingredients like celery or scallions for extra flavor.

Insider scoop: For an authentic taste, head to Red’s Eats in Wiscasset, renowned for its generous portions and perfect balance of lobster meat to dressing.

7. You’ll never get tired of outdoor adventure here

With its diverse landscapes ranging from mountains and forests to lakes and coastal areas, there’s plenty of beautiful nature to explore. Acadia National Park provides some of the best hiking, biking, and scenic drives in the state, with trails like the Precipice Trail offering challenging climbs and stunning vistas. The state is also home to pristine lakes such as Rangeley and Moosehead, ideal for fishing, kayaking, and camping. In winter, areas like Sugarloaf and Sunday River offer excellent skiing and snowboarding opportunities, while the numerous snowmobile trails cater to winter sports enthusiasts.

Travel tip: To avoid peak-season crowds and secure accommodations, plan your visit to popular spots like Acadia National Park or Sugarloaf during the shoulder seasons—late spring or early fall for hiking and summer activities.

8. Antiquing is a big deal here

Antiquing is a popular pastime in Maine, with the state offering a wealth of antique shops, markets, and fairs that cater to collectors and history buffs. Maine’s historic towns are filled with charming antique stores where you can find everything from period furniture to vintage jewelry. Notable spots include the Maine Antique Digest in Newcastle and the shops in the historic district of Portland, where you can browse for unique items. The annual Maine Antique Dealers Association Show showcases some of the best antiques and collectibles, drawing enthusiasts from across the region to explore the state’s rich history through its treasures.

Insider scoop: For a true antiquing adventure, follow the Maine Antique Trail, a curated route featuring top antique shops and hidden gems throughout the state.

Methodology

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

Source: rent.com

Apache is functioning normally

August 3, 2024 by Brett Tams

Indiana, known for its friendly communities and iconic Hoosier hospitality, is a state where you’ll find a mix of bustling urban centers like Indianapolis and serene rural landscapes. The state is rich in sports culture, home to the Indianapolis 500 and passionate basketball fans, and offers a diverse range of recreational activities. Whether you’re browsing homes for sale in Carmel, considering renting in Bloomington, or exploring houses for rent in Fort Wayne, here’s what you need to know before moving to Indiana.

Indiana at a glance

Living in Indiana blends vibrant city life and peaceful rural landscapes, making it an appealing destination for diverse lifestyles. Indianapolis, the state capital, is a bustling metropolis known for its sports culture, including the legendary Indianapolis 500 and the Indiana Pacers. Other major cities like Fort Wayne and Evansville provide a mix of economic opportunities, cultural experiences, and educational institutions. The state’s affordable cost of living, particularly in smaller cities and towns, makes it an attractive option for those looking to settle down without breaking the bank.

Indiana’s job market is robust, with key industries including manufacturing, healthcare, education, and agriculture. Major employers headquartered in the state include Eli Lilly and Company, Cummins Inc., Anthem Inc., and Cook Group. The cultural scene is equally diverse, with numerous festivals, museums, and theaters enriching the community life. Residents can enjoy the state’s numerous parks, lakes, and trails, such as Turkey Run State Park and the Indiana Dunes National Park. With its friendly residents, strong job market, and a wide array of recreational activities, Indiana offers a welcoming environment for newcomers.

1. The Hoosier hospitality will make you feel right at home

Hoosier hospitality is a hallmark of life in Indiana, characterized by the warm and friendly demeanor of its residents. Whether you’re moving into a new neighborhood or just visiting, you can expect a welcoming atmosphere with people eager to help and make you feel at home. Local communities often come together for neighborhood events, fairs, and potlucks, reflecting the state’s strong sense of community. For instance, small-town events like the Lafayette Jefferson High School Football games or local farmers’ markets often have a friendly, inclusive feel, making newcomers feel like part of the community from day one.

2. The sports culture is a big deal

Indiana’s sports culture is deeply ingrained in its identity, with basketball and auto racing holding particular significance. The state is home to the Indianapolis Colts, a prominent NFL team, and the Indiana Pacers, a staple of NBA basketball. The Indianapolis 500, held annually at the Indianapolis Motor Speedway, is one of the most famous car racing events in the world, attracting fans from all over. High school basketball is also a big deal, with local tournaments and games drawing substantial community support and media coverage, reflecting the state’s passion for sports at all levels.

Insider scoop: Consider visiting during the annual Indy 500 Race Week to enjoy not only the main event but also the numerous pre-race festivities, parades, and fan activities that take over Indianapolis.

3. Indiana has a low cost of living

Indiana has a notably low cost of living compared to many other states, making it an attractive option for those seeking affordability. The median home sale price in Indiana is $271,800, which is significantly lower than the national median of $442,479 and offers great value compared to major metropolitan areas. For renters, average monthly rental prices in Indianapolis are $1,243 for a one-bedroom apartment, further displaying the affordability in larger cities. In fact, the cost of living in Indianapolis is 9% lower than the national average. This combination of low housing costs, reasonable rental prices, and moderate day-to-day expenses contributes to Indiana’s reputation as a budget-friendly place to live.

A lower cost of living is a major advantage of moving to Indiana. Explore additional pros and cons of living in Indiana to get a comprehensive understanding of what life in the state has to offer.

4. You’ll find great higher education options

Indiana is home to several esteemed higher education institutions, offering a range of academic programs and research opportunities. Indiana University in Bloomington is renowned for its strong business, law, and medical programs, while Purdue University in West Lafayette is highly regarded for its engineering and technology disciplines. The University of Notre Dame, located in South Bend, is known for its prestigious programs and vibrant campus life. Additionally, smaller colleges such as Butler University and DePauw University provide excellent liberal arts education and personalized learning experiences.

5. Indiana is a manufacturing hub

Indiana has long been a major player in the manufacturing sector, with a diverse range of industries contributing to its robust economy. The state is a leading producer of automobiles, with major companies like Cummins Inc. and General Motors having significant manufacturing facilities there. The state’s strong manufacturing base supports a wide array of jobs, from assembly line work to engineering and design, reflecting Indiana’s deep ties to industrial innovation and production.

6. The northern part of the state is flat with rolling hills in the south

The geography of Indiana varies significantly from north to south, influencing both the landscape and the lifestyle. Northern Indiana is characterized by flat terrain and extensive farmland, with regions like the Valparaiso Moraine and Lake Michigan shoreline offering expansive views and agricultural opportunities. In contrast, southern Indiana features rolling hills, forested areas, and more varied topography, exemplified by places like Brown County State Park. This geographic diversity impacts everything from local agriculture to outdoor recreational activities, with each region offering scenic and environmental characteristics.

7. Be prepared for the harsh winter weather

Indiana winters can be quite harsh, with temperatures frequently dipping below freezing and significant snowfall occurring from late November to March. The state averages around 25 to 30 inches of snow annually, but this can vary, with northern areas receiving more snowfall than the southern parts. Ice storms and cold snaps are also common, requiring residents to be prepared for winter driving conditions and potential power outages.

Insider scoop: To make winter more manageable, invest in a set of high-quality snow tires and keep an emergency kit in your car with essentials like blankets, food, and a flashlight.

8. Indiana is part of Tornado Alley

Indiana is located in the eastern part of Tornado Alley, making it susceptible to tornadoes, particularly in the spring and early summer months. The state experiences an average of 20 to 30 tornadoes annually, with varying levels of severity. Tornadoes in Indiana can range from relatively minor twisters to more destructive events, necessitating preparedness and awareness.

Travel tip: Residents should be familiar with tornado safety protocols, have an emergency plan in place, and stay informed through local weather alerts to protect themselves and their property during severe weather events.

9. Public transportation is sparse here

Public transportation options in Indiana are limited, especially outside of major urban areas. While cities like Indianapolis have some public transit services, including buses operated by IndyGo, many rural and suburban areas rely heavily on personal vehicles. This can be a challenge for those who do not drive or prefer public transit options. For instance, outside of Indianapolis, transportation options may be restricted to regional bus services or ride-sharing apps, making car ownership almost essential for daily commuting and errands.

10. Indianapolis is close to major cities

Indianapolis’s central location provides convenient access to several major cities in the Midwest, enhancing its appeal as a transportation and business hub. Located approximately 100 miles from Chicago, 200 miles from St. Louis, and 175 miles from Cincinnati, Indianapolis offers a strategic position for both business and leisure travel. This proximity allows residents to easily visit these cities for work, entertainment, or cultural events while enjoying the benefits of living in a less densely populated area.

11. The sugar cream pie is the state’s staple

Sugar cream pie is a beloved and iconic dessert in Indiana, known for its simplicity and rich, sweet flavor. Often referred to as “Hoosier Pie,” it features a creamy filling made from sugar, cream, and vanilla, with a flaky pie crust. The pie is traditionally made with ingredients readily available to early settlers, reflecting the state’s agricultural heritage. Popular in local bakeries and diners, sugar cream pie is often enjoyed as a comforting and nostalgic treat, especially during family gatherings and state fairs.

Insider scoop: For a true taste of Indiana, visiting local spots like the Vanilla Bean Bakery in Indianapolis can provide an authentic slice of this classic pie.

Methodology

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

Source: rent.com

Apache is functioning normally

August 3, 2024 by Brett Tams

St. Louis, often referred to as the “Gateway to the West,” is a city full of rich history and endless possibilities. With its iconic Gateway Arch, vibrant neighborhoods, and a cultural scene that includes everything from world-class museums to renowned music venues, it’s no wonder that many people dream of calling St. Louis their home. However, life in this dynamic city comes with its own set of challenges. So whether you’re searching for a trendy apartment in Downtown St. Louis or a cozy apartment in the Central West End, you’ve come to the right place.

In this ApartmentGuide article, we’ll explore the various pros and cons of living in St. Louis, helping you decide if this historic city is the right place for you.

Fast facts about living in St. Louis

What St. Louis is known for: The Gateway Arch and its rich musical heritage
Population: Approximately 300,000 residents (city proper), 2.8 million (metro area)
Average rent: $1,407 per month for a one-bedroom apartment
Median home sale price: $262,500
Public transit: MetroLink light rail and MetroBus services
Public parks: Over 100 parks, including the 1,300-acre Forest Park
Annual tourists: Approximately 25 million visitors each year
Restaurants: Over 1,000, offering a wide variety of cuisines

1. Pro: Rich cultural heritage

St. Louis offers a rich cultural heritage with numerous museums, theaters, and music venues. The city is home to the St. Louis Art Museum, the Missouri History Museum, and the Pulitzer Arts Foundation. The Fox Theatre and The Muny offer world-class performances, while the city’s jazz and blues scene is celebrated at venues like BB’s Jazz, Blues, and Soups. St. Louis also hosts various festivals and cultural events throughout the year, such as the St. Louis International Film Festival and the Shakespeare Festival St. Louis.

2. Con: Urban sprawl

St. Louis has experienced urban sprawl, leading to the spread of development into suburban and rural areas. This can result in longer commute times, increased traffic, and a loss of green space. Urban sprawl can also strain infrastructure and public services, impacting the overall quality of life for residents. Efforts are being made to manage growth and develop sustainable urban planning strategies, but the spread-out nature of the city remains a challenge for some residents.

3. Pro: Affordable cost of living

The cost of living in St. Louis is 11% less expensive than the national average. Housing, in particular, is very reasonably priced, with the median sale price for a home in St. Louis around $262,500 and the average rent for a one-bedroom apartment in St. Louis about $1,407 per month. Housing costs are 22% less expensive than the national average. Utilities are slightly more expensive, at 1% above the national average, while transportation costs are 7% less expensive. Healthcare costs are also favorable, being 12% less expensive than the national average. This affordability makes St. Louis an attractive option for individuals looking to stretch their budgets further.

4. Con: Weather extremes

St. Louis experiences a wide range of weather conditions, from hot, humid summers with temperatures often reaching above 90°F to cold, snowy winters with temperatures frequently dropping below freezing. The city is also prone to severe weather, including thunderstorms, tornadoes, and occasional flooding, particularly in the spring and early summer. Winter storms can bring significant snowfall, averaging around 18 inches per year, and ice storms that disrupt daily life. Residents need to be prepared for these weather extremes by having proper heating and cooling systems in place and taking necessary precautions during severe weather events.

5. Pro: Strong job market

St. Louis has a diverse and growing job market, particularly in the healthcare, education, and biotechnology sectors. The city’s economy is supported by numerous hospitals, research institutions, and universities, providing ample job opportunities for professionals in these fields. Additionally, St. Louis is home to several major corporations and a burgeoning startup scene, particularly in technology and finance.

Top employers in St. Louis

BJC HealthCare
Washington University in St. Louis
Emerson Electric
Anheuser-Busch
Boeing Defense, Space & Security

6. Con: Limited public transportation

While St. Louis has a public transportation system, it is limited compared to larger cities. The city’s transit score is 43, walk score is 66, and bike score is 58. These scores indicate moderate public transportation options, meaning that while some transit services like MetroLink light rail and MetroBus exist, they may not be convenient or comprehensive enough for all residents. The walk score suggests that some errands can be accomplished on foot, but many daily activities still require a car. The bike score reflects that biking is possible, but the infrastructure could be improved. Most residents find it necessary to own a car to get around efficiently, which can add to the overall cost of living.

7. Pro: Diverse neighborhoods

St. Louis is a melting pot of cultures, with each neighborhood in St. Louis offering unique character and charm. From the historic streets of Soulard, known for its vibrant nightlife, to the trendy vibes of The Grove, home to hip bars and restaurants, there’s a place for everyone. Explore the art scene in the Central West End, enjoy the markets and eateries in The Hill, or relax in the cafes of Lafayette Square. This diversity ensures a variety of cuisines, festivals, and cultural experiences year-round.

8. Con: Educational disparities

While St. Louis is home to several prestigious educational institutions, there are disparities in the quality of education across different neighborhoods. Public schools in some areas may lack resources and funding, impacting the overall educational experience for students. These disparities can lead to differences in academic performance and opportunities. Efforts are being made to address these issues through various educational initiatives and community programs, aiming to improve the quality of education for all students in the city.

9. Pro: Green spaces

Despite its urban nature, St. Louis offers numerous green spaces where residents can escape the concrete jungle. Forest Park, one of the largest urban parks in the U.S., is a major attraction, offering museums, a zoo, and beautiful trails. The city also has over 100 parks, providing ample opportunities for outdoor activities and relaxation.

Popular parks in St. Louis

Forest Park
Tower Grove Park
Citygarden
Lafayette Park
O’Fallon Park

10. Con: Air quality issues

St. Louis occasionally experiences air quality issues, particularly during the summer months. Pollution from industrial activities, vehicle emissions, and regional weather patterns can contribute to poor air quality, which may affect residents with respiratory conditions such as asthma and allergies. The city is working on initiatives to improve air quality, but it’s something residents should be aware of, especially during high pollution days when air quality alerts are issued.

11. Pro: Thriving food scene

St. Louis offers a diverse culinary scene, with a variety of restaurants offering cuisines from around the world. The city is famous for its barbecue, toasted ravioli, and gooey butter cake. Food festivals, such as the Taste of St. Louis and the St. Louis World’s Fare, showcase the city’s culinary creativity and bring together food lovers to celebrate local and international flavors. Additionally, the city is home to numerous breweries and coffee shops, adding to its vibrant food culture.

Popular restaurants in St. Louis

Pappy’s Smokehouse: Renowned for its Memphis-style BBQ and flavorful ribs.
Niche Food Group: Known for creative dishes and farm-to-table cuisine.
Annie Gunn’s: A beloved steakhouse offering high-quality meats and seafood.
Farmhaus: Celebrated for its seasonal menu and locally sourced ingredients.
Sidney Street Cafe: Offers innovative American cuisine in a cozy setting.

12. Con: Limited nightlife

While St. Louis has a variety of dining and entertainment options, its nightlife scene is not as vibrant as in larger cities. The city has a more laid-back atmosphere, with fewer late-night venues and entertainment options. Residents seeking a bustling nightlife might find the options limited, though there are still plenty of local bars, breweries, and restaurants to enjoy. The nightlife is concentrated in specific areas like the Central West End and the Delmar Loop, offering a more relaxed and intimate experience.

13. Pro: Historic charm

St. Louis’s rich history is reflected in its architecture and historic districts. The city is home to several well-preserved historic neighborhoods, such as Lafayette Square and Soulard, which feature beautiful homes and tree-lined streets. Downtown St. Louis also boasts historic buildings and landmarks, including the Gateway Arch, adding to the city’s unique character and charm. Walking tours and historical sites like the Old Courthouse provide residents and visitors with a glimpse into the city’s storied past.

Apache is functioning normally

July 31, 2024 by Brett Tams

Moving to New Hampshire provides residents with picturesque landscapes, charming small towns, and lively cities. The state is known for its four distinct seasons, outdoor recreational opportunities, and a strong sense of community. Whether you’re browsing homes for sale in Concord, considering renting in Manchester, or exploring houses for rent in Nashua, here’s what you need to know before moving to New Hampshire.

New Hampshire at a glance

From the stunning White Mountains to the serene lakes and coastline, the state caters to those who love nature and city life. The largest cities in New Hampshire—Manchester, Nashua, and Concord—are hubs of cultural activities. Manchester, the largest city, is a thriving center for business and culture, while Nashua offers suburban charm and urban convenience. Concord, the state capital, is rich in history and provides a welcoming community atmosphere.

New Hampshire’s economy thrives on sectors such as technology, healthcare, education, and manufacturing, with major companies like BAE Systems, Dartmouth-Hitchcock, and Fidelity Investments headquartered here. The state’s cultural scene is diverse, featuring world-class museums, annual events like the New Hampshire Film Festival, and a culinary landscape that celebrates farm-to-table dining and fresh seafood. Educational excellence is anchored by institutions like the University of New Hampshire and Dartmouth College. Affordable living options can be found in towns like Hudson, and Derry, making New Hampshire an enticing choice for those seeking quality of life.

1. There’s no sales tax here

New Hampshire is one of the few states in the U.S. that does not impose a sales tax on goods and services, making shopping more affordable. This tax advantage attracts shoppers from neighboring states and extends to a wide range of purchases, from everyday items to big-ticket goods. Additionally, the lack of sales tax contributes to the overall lower cost of living and can be particularly beneficial for large purchases such as vehicles and home appliances. This financial perk enhances the state’s appeal by allowing residents and visitors to save money on both routine and significant expenses.

2. New Hampshire has many charming small-towns

The state is dotted with picturesque small towns that exude New England charm. Places like Hanover, home to Dartmouth College, offer quaint downtown areas with boutique shops, cafes, and historic architecture. Portsmouth, with its waterfront location, has a rich maritime history and vibrant arts scene. Each town has its unique character and attractions, making New Hampshire a delightful place to explore and live.

3. Get ready to experience the autumn foliage

New Hampshire is renowned for its spectacular autumn foliage, drawing visitors from all over to witness the vibrant colors. The Kancamagus Highway, which runs through the White Mountains, is one of the most famous scenic drives for fall foliage. Additionally, Towns like Conway and Lincoln become hotspots for leaf-peeping, with numerous hiking trails and scenic overlooks providing breathtaking views of the red, orange, and yellow hues.

Travel tip: Visit early in the season, as peak foliage can vary year to year. Also, consider starting your drive early in the morning or late afternoon to avoid crowds and get the best light.

4. New hampshire has beautiful coastlines

New Hampshire’s coastline, though relatively short at just 18 miles, offers stunning seaside scenery and charming coastal communities. Hampton Beach is a notable destination with its sandy shores, bustling boardwalk, and vibrant summer events that attract visitors and locals. In addition to Hampton Beach, the town of Rye offers a more serene coastal experience with its scenic Rye Harbor and nearby Odiorne Point State Park. This area provides beautiful rocky shorelines, tidal pools, and walking trails with expansive views of the Atlantic Ocean. The park’s natural beauty and peaceful atmosphere make it a great spot for coastal exploration and relaxation.

5. You’ll find top-rated educational opportunities

New Hampshire has top-rated educational institutions, from esteemed private schools to renowned universities. Dartmouth College in Hanover is an Ivy League institution known for its rigorous academics and beautiful campus. The University of New Hampshire, located in Durham, offers a wide range of undergraduate and graduate programs. These educational opportunities contribute to the state’s reputation for high-quality education.

6. The breweries and wineries are thriving here

New Hampshire’s craft beverage scene is thriving, with a growing number of breweries and wineries showcasing local flavors and innovations. The state is home to renowned breweries like Redhook Ale Brewery in Portsmouth, known for its diverse beer offerings and vibrant beer garden, and The Portsmouth Brewery, which has been a staple in the craft beer community since 1991. In the wine sector, LaBelle Winery in Amherst produces a variety of high-quality wines, from crisp whites to robust reds, and offers guided tours and tastings that highlight their commitment to local ingredients.

Insider scoop: Visit during seasonal events like Oktoberfest or harvest festivals, where you can sample limited-edition brews and wines while enjoying local festivities and live music.

7. There are four distinct seasons

Residents of New Hampshire experience four distinct seasons, each bringing its own beauty and activities. Winters, with temperatures often dropping below freezing, are perfect for skiing and snowboarding in places like North Conway and Bretton Woods. Spring sees temperatures warming to the 50s and 60s, bringing blooming flowers and fresh greenery, ideal for hiking and outdoor adventures. Summers, with temperatures ranging from the 70s to 80s, are warm and great for lakeside activities in the Lakes Region. Autumn, with temperatures cooling to the 50s and 60s, features stunning foliage, making every season special and enjoyable.

8. The activities on the White Mountains are endless

The White Mountains in New Hampshire offer a virtually endless array of activities year-round, attracting outdoor adventurers and nature lovers. In the summer, visitors can enjoy hiking trails such as the challenging Mount Washington and the scenic Franconia Ridge Loop, which offer stunning views and diverse terrain. Winter transforms the region into a haven for snow sports, with ski resorts like Bretton Woods and Cannon Mountain providing excellent opportunities for skiing, snowboarding, and snowshoeing.

Travel tip: Be sure to check weather conditions and trail statuses before heading out, as conditions in the mountains can change rapidly. Consider investing in a trail map or guidebook, and if you’re visiting in winter, make sure to bring appropriate gear and check avalanche forecasts for safety.

9. The cost of living varies throughout the state

The cost of living in New Hampshire varies significantly across the state, reflecting differences in housing markets, local economies, and amenities. In cities like Nashua, the median home sale price is $475,000, which is higher than the national median of $442,479. Conversely, in smaller towns such as Keene, median home prices can be around $315,000, offering more affordable housing options. Rental rates also show variation, with average monthly rents for a one-bedroom apartment in Manchester is $1,837, while in smaller towns like Concord, rents can drop to about $1,405. Rural areas and smaller communities generally present more budget-friendly options, making them appealing for those seeking lower living costs.

If you’re planning on moving to New Hampshire, you’ll want to consider the pros and cons of living in the Granite State to learn more about what life is like.

10. The state is close to major cities

Living in New Hampshire provides easy access to several major cities in surrounding states. Boston, MA, is just an hour’s drive from the southern parts of the state, offering urban amenities and job opportunities. The city of Portland, ME, is also within a short driving distance, known for its vibrant arts scene and coastal attractions. This proximity allows residents to enjoy the tranquility of New Hampshire while benefiting from the resources and opportunities of nearby metropolitan areas.

Methodology

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

Source: rent.com

Apache is functioning normally

July 31, 2024 by Brett Tams

Moving to Wisconsin offers a welcoming Midwestern charm with a mix of vibrant cities and picturesque rural landscapes. Known for its excellent schools, diverse job market, and rich cultural heritage, Wisconsin is a great place to call home. Whether you’re browsing homes for sale in Milwaukee, considering renting in Madison, or exploring houses for rent in Green Bay, here’s what you need to know before moving to Wisconsin.

Wisconsin at a glance

From the serene shores of Lake Michigan and Lake Superior to the rolling hills of the Driftless Area, you’ll find plenty of opportunities for adventure. Its central location in the Midwest enhances its appeal, providing residents with easy access to major cities like Chicago and Minneapolis. Wisconsin’s economy is robust, supported by thriving sectors such as manufacturing, agriculture, and healthcare, with major corporations like Harley-Davidson and Johnson Controls calling the state home.

The cultural landscape of Wisconsin is equally rich, featuring historical landmarks like the Wisconsin State Capitol and the vibrant arts scene in cities such as Milwaukee and Madison. The state is known for its eclectic food culture, including renowned cheese, craft beers, and distinctive regional specialties like bratwurst and cheese curds. While the cost of living can be high in some urban areas, more affordable places to live are available in towns like La Crosse and Kenosha. Whether you’re drawn to its lively cities or peaceful countryside, Wisconsin provides a multifaceted living experience, making it one of the best places to live in Wisconsin.

1. The winter weather is intense

Wisconsin’s winters are known for their severity, with temperatures often plunging well below freezing, frequently dropping to around -10°F to -20°F in the northern regions. Snowfall can be heavy, especially in these areas, where accumulations can exceed 100 inches annually. Winter weather conditions frequently lead to icy roads and challenging driving conditions, necessitating snow tires and regular snow removal. Living in Wisconsin means being ready for these extreme weather conditions and embracing the winter season with appropriate gear and activities.

Insider scoop: If you’re new to the area, try to familiarize yourself with local plow schedules and road maintenance updates to avoid travel disruptions.

2. The cost of living is generally lower in Wisconsin

Wisconsin offers a lower cost of living compared to many other states, making it an attractive option for those seeking affordability. In cities like Milwaukee, the median home sale price is $220,00, which is significantly lower than the national median of $442,479 along with major metropolitan areas on the coasts. Average rent prices for a one-bedroom apartment in Milwaukee are around $1,479 per month, while in Madison, they are about $1,655 per month. Utilities, groceries, and other daily expenses also tend to be more reasonable, with the cost of living in Green Bay being 8% lower than the national average.

This affordability extends to smaller towns and rural areas, such as Wausau, where the median home price is $223,000 and rental prices are $1,095 per month, offering even more pronounced cost savings.

3. There are diverse terrains here

Wisconsin has a diverse array of landscapes, from the rugged beauty of the Driftless Area with its unique topography, such as the scenic bluffs around the Wisconsin River, to the picturesque shores of the Great Lakes, including the stunning views from Door County. The state features lush forests like the Chequamegon National Forest, rolling hills such as those found in the Kettle Moraine State Forest, and numerous lakes and rivers, such as Lake Winnebago. This variety in terrain provides abundant opportunities for outdoor enthusiasts and nature lovers, from hiking and kayaking to hunting and bird-watching.

Travel tip: Consider exploring lesser-known spots like the Apostle Islands for a unique adventure or the Ice Age National Scenic Trail for an extended hike through diverse landscapes.

4. Known for the amazing local festivals

Wisconsin is known for its vibrant festival scene, which celebrates a wide range of interests and cultures. The Summerfest in Milwaukee, one of the largest music festivals in the world, features performances from major artists and local bands. The Wisconsin State Fair in West Allis showcases agriculture, local food, and entertainment. Additionally, unique festivals like the EAA AirVenture in Oshkosh highlight the state’s love for aviation and community gatherings, making local festivals a key aspect of Wisconsin’s cultural life.

If you’re planning on moving to Wisconsin, you’ll want to weigh the pros and cons of living in America’s Dairyland to learn what life is like.

5. Cheese and dairy is a big part of Wisconsin life

Wisconsin’s reputation as “America’s Dairyland” reflects its strong dairy industry and cheese-making traditions. The state is home to numerous cheese factories and dairies that produce a wide variety of cheeses, including cheddar, gouda, and Swiss. Local favorites include cheese curds, which are fresh and often served deep-fried as a snack. Dairy farming is a significant part of the state’s economy and culture, with annual events like the Wisconsin Cheese Festival celebrating the state’s rich dairy heritage.

Insider scoop: Don’t miss out on the opportunity to try the “squeaky” cheese curds fresh from the fryer, which are best enjoyed with a local craft beer.

6. Wisconsin has some of the highest taxes in the nation

Wisconsin’s tax structure includes relatively high property and income taxes, which can impact residents’ finances. The state has a progressive income tax rate with high brackets that can affect higher earners, while property taxes are among the highest in the Midwest. In fact, the property tax rate is 1.51%, the eighth-highest in the nation. These taxes support state and local services, but they can be a significant consideration for new residents. It’s crucial to budget for these taxes and understand their impact on your overall financial planning, especially if you’re considering transitioning from renting to owning a home.

7. The sports culture is a big deal

Sports play a central role in Wisconsin’s culture, with passionate fans supporting teams like the Green Bay Packers (NFL) and the Milwaukee Brewers (MLB). The Packers, in particular, have a storied history and a dedicated fan base, with Lambeau Field serving as a major sports landmark. College sports are also significant, with the University of Wisconsin-Madison Badgers competing in NCAA events. Whether it’s attending games, participating in local sports leagues, or following major teams, sports are a major part of community life in Wisconsin.

8. Wisconsin has a rich brewery scene

Wisconsin has a rich brewery scene with a long history of brewing excellence. Milwaukee, in particular, is known for its brewing heritage, with iconic breweries like Miller Brewing Company and modern craft breweries such as Lakefront Brewery offering a wide range of beers. The state’s craft beer scene is robust, with breweries across Wisconsin producing innovative and high-quality brews. Local beer festivals, brewery tours, and taprooms offer ample opportunities to explore and enjoy Wisconsin’s diverse beer offerings.

Insider scoop: Check out the Hop Passport program, which rewards you for visiting various breweries across the state, making it a fun way to explore local favorites and hidden gems.

9. The people here are very friendly

Wisconsinites are known for their friendly and welcoming nature, contributing to a warm and inviting community atmosphere. The state’s residents often exhibit a strong sense of neighborliness and community involvement, making it easier for newcomers to feel at home. Local gatherings, community events, and small-town charm enhance the sense of belonging and friendliness. This approachable and sociable attitude is a hallmark of life in Wisconsin, fostering a supportive and connected environment for new residents.

Methodology

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

Source: rent.com

Apache is functioning normally

July 28, 2024 by Brett Tams

Thinking of making Wyoming your new home? While it might not offer the bustling energy of major cities or the vibrant cultural scene of other states, Wyoming presents its own unique charm. With its stunning mountain ranges like the Tetons, expansive open plains, and picturesque towns, Wyoming is a sanctuary for nature lovers and those seeking a tranquil lifestyle. Whether you’re browsing homes for sale in Casper, considering renting in Cheyenne, or exploring houses for rent in Gillette, here’s what you need to know before moving to Wyoming.

Wyoming at a glance

Wyoming provides a distinctive lifestyle shaped by its landscapes and communities. Its cities, though smaller compared to urban hubs elsewhere, provide a unique charm and a close-knit feel. Cheyenne, one of Wyoming’s largest cities and the state capital, blends historic frontier roots with modern amenities, while Jackson, with close proximity to the Grand Teton National Park, is a popular base for outdoor adventure, making it one of the best places to live in Wyoming.

The state’s landscapes are nothing short of breathtaking. Wyoming is home to the majestic Rocky Mountains, with the Tetons and the Wind Rivers offering dramatic views and endless recreational opportunities. The expansive high plains and rugged foothills contribute to the state’s wide-open, unspoiled feel, ideal for those who appreciate vast, natural spaces.

Life in Wyoming is often defined by a strong community and a slower pace that emphasizes outdoor living and a connection to nature. Residents enjoy activities such as hiking, skiing, and fishing, taking full advantage of the state’s outdoor offerings. The small-town atmosphere fosters friendly interactions and a deep appreciation for Wyoming’s unique heritage and natural beauty.

1. Wyoming is nicknamed the “Cowboy state”

Wyoming has a long history of cattle ranching, which played a central role in shaping its economy and culture. The state’s vast open spaces and grazing lands made it an ideal location for cattle ranching, and the cowboy lifestyle became emblematic of Wyoming’s identity. The cowboy culture is showcased through various events and traditions in Wyoming, such as rodeos and livestock shows. Cheyenne Frontier Days, held annually in Cheyenne, is one of the largest rodeos in the world and a major celebration of cowboy heritage.

Insider scoop: Take time to visit the lesser-known areas of the grounds such as the Old West Museum, the Rodeo Practice Pen, and the Trade show.

2. Small-town charm can be found everywhere

Wyoming is renowned for its small-town charm, where communities offer a close-knit atmosphere and a slower pace of life. Towns like Jackson and Cody, despite their tourism appeal, maintain their historic character with locally-owned shops, cozy diners, and a strong sense of local pride. Living in Wyoming means embracing this small-town lifestyle, where friendly neighbors, community events, and a slower way of life define daily living

3. The weather varies throughout the state

Wyoming’s weather is characterized by its wide variability and dramatic shifts, influenced by its mountainous terrain and high elevation. Winters can be harsh, with heavy snowfall and temperatures often plunging well below freezing. You’ll find this particularly in higher elevations and northern regions, where averages can drop to -10°F to 20°F. Summers, on the other hand, are generally mild and pleasant, with daytime temperatures ranging from 70°F to 85°F. Additionally, Wyoming’s climate also features low humidity, contributing to its crisp, clear air and stunning outdoor conditions throughout the year.

4. Wyoming is very historically significant

Wyoming holds a significant place in American history due to its pivotal role in the development of the Old West. It was home to the first national park, Yellowstone, established in 1872, which marked the beginning of the modern conservation movement. The state also made history by being the first to grant women the right to vote in 1869, a milestone in the women’s suffrage movement. Wyoming’s rich frontier heritage is reflected in its historic trails, such as the Oregon and Pony Express routes, and its legacy of cattle ranching and cowboy culture.

These historical milestones and cultural landmarks not only highlight Wyoming’s profound impact on American history but also offer a deep sense of historical connection for those moving to the state

5. Wyoming is famous for Devils Tower

Devils Tower, located in northeastern Wyoming, is a striking geological wonder. As the first U.S. national monument, established in 1906, it stands out with its dramatic, vertical columns of igneous rock that rise 1,267 feet above the surrounding landscape. The Tower’s unique, almost otherworldly appearance, formed by volcanic activity and erosion, makes it a fascinating place to visit. Additionally, its cultural and spiritual significance to Native American tribes, who refer to it as Bear Lodge, adds a rich layer of historical and cultural intrigue.

Fun fact: Devils Tower gained popular culture fame as a key feature in the film Close Encounters of the Third Kind, where it is depicted as a mysterious and otherworldly site, further cementing its iconic status.

6. You’ll find diverse wildlife in Wyoming

Wyoming is renowned for its rich and diverse wildlife, making it a prime destination for nature lovers. The vast landscapes, including iconic national parks like Yellowstone and Grand Teton, are home to a variety of species such as bison, elk, moose, and grizzly bears, offering unparalleled opportunities for wildlife viewing and outdoor adventure. These parks are known for their pristine habitats and are crucial for conservation efforts. For someone moving to Wyoming, the presence of such majestic wildlife and the chance to explore these natural wonders can be a major pro to living in Wyoming.

Travel tip: Always maintain a safe distance from wildlife and never interfere with them. For your safety and the protection of the animals, follow park guidelines and use binoculars or a camera with a zoom lens for observing wildlife from afar.

7. The cost of living is low here

The cost of living in Wyoming is notably lower than the national average, making it an attractive place to settle. Cities like Casper offer affordable living, with a median home sale price of $288,500, significantly less than the national median of $442,479. In Cheyenne, while slightly higher, the average rental rates for a two-bedroom apartment hover around $880 per month, Additionally, towns such as Laramie provide even more budget-friendly options, ensuring that Wyoming caters to a variety of financial situations without compromising on quality of life.

8. You’ll find outdoor adventure everywhere you look

Living in Wyoming offers an unparalleled outdoor lifestyle, with a wealth of activities and natural wonders that cater to a wide range of interests and hobbies. The state’s rugged terrain is perfect for recreational opportunities, such as skiing and snowboarding at Jackson Hole Mountain Resort during winter, and mountain biking on the challenging trails of the Cheyenne Greenway or the Medicine Bow Rail Trail during the warmer months. Wyoming’s numerous lakes and rivers, including Jackson Lake and the Snake River, provide excellent venues for kayaking and fly fishing.

For those looking to immerse themselves in new hobbies, the state’s expansive wilderness offers the chance to learn skills such as rock climbing in the Wind River Range, backcountry skiing in the Teton Range, or even ranching experiences on historic cattle ranches like the Bitterroot Ranch.

Travel tip: Be prepared for rapid weather changes. The state’s mountainous terrain and high elevation mean that weather conditions can shift quickly, often within the same day

9. Transportation is sparse here

Before moving to Wyoming, it’s essential to understand the state’s transportation landscape to ensure a smooth transition. Wyoming’s transportation infrastructure includes a network of highways and rural roads that are crucial for getting around, particularly in areas outside major cities. While larger cities like Cheyenne and Casper have more developed public transportation options, rural areas often lack extensive public transit services, making a reliable personal vehicle essential. Additionally, due to the state’s vast distances and sometimes challenging weather conditions, especially in winter, it’s important to be prepared for potential road maintenance and to have a well-equipped vehicle for handling snow and ice.

10. The food scene reflects the state’s heritage

Wyoming’s food scene, while rooted in its rugged and rural character, offers a rich and satisfying array of flavors and dishes that reflect the state’s heritage. The cuisine prominently features high-quality beef and bison, with local steakhouses and diners serving up delicious steaks, burgers, and bison ribs. Wyoming is also known for its wild game dishes, including elk and venison, often prepared in hearty, flavorful styles. Regional specialties such as Wyoming-style chili and fry bread showcase local ingredients and traditional recipes.

Methodology

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

Source: rent.com

Apache is functioning normally

July 22, 2024 by Brett Tams

The typical cost of a home solar panel system in Louisiana was $37,053 in the second half of 2023 before incentives, according to data from EnergySage, a solar and home energy product comparison marketplace.

Hot, humid summers are common in Louisiana, and air conditioning use can contribute to high electricity bills. Solar panel systems can offset some of these costs. However, compared to many other states, most of Louisiana has a lower payback rate for electricity sold back to the grid, which decreases long-term savings and can make solar a less cost-effective option.

Solar costs in Louisiana at a glance


Typical cost of home solar system before federal solar tax credit
Typical cost of home solar system after federal solar tax credit
Median cost per watt
Average system size
Source: EnergySage, a solar and home energy product comparison marketplace founded in 2012. Data is from the second half of 2023.

Louisiana’s average cost per watt for residential solar panels is $3.10. This was slightly higher than the national average of $2.96 in the second half of 2023. Solar panel systems are slightly larger than average in Louisiana at 12kW compared to the national average of 11.6kW.

In some states, you might be required to pay for infrastructure upgrades your utility company deems necessary for activating your system. This happens more in rural zones where grid equipment hasn’t been updated in a while. In Louisiana, large interconnection charges for upgrades are rare.

Lower demand after rising interest rates

Buying a residential solar system in cash is an option for some. However, many cannot afford solar panels without a loan, and that is reducing demand in Louisiana for solar panel systems. Between the first half and second half of 2023, prices per watt in Louisiana have held steady. But for those taking out loans, interest rates can increase overall costs.

“Interest rates are really high right now, so financing residential solar is challenging, and can eat into some of the savings,” says Rebekah Olinde, a solar consultant for South Coast Solar, a solar installer in Louisiana. “I’ve seen the impact of those interest rates both on savings projections and on decision-making.”

Net metering in Louisiana

In most parts of Louisiana, there’s no longer one-to-one net metering, a billing system that allows homeowners to sell excess solar generated from solar panels at retail rates, making solar more cost-effective.

“The net metering policy for most of Louisiana changed in 2019. For any system installed after that, excess solar is now exported back to the grid at the avoided-cost rate, instead of at the retail rate,” says Olinde, noting there are some exceptions.

The avoided-cost rate, or wholesale rate, is much lower than the retail rate. The new policy

means that affected homeowners won’t see as much in long-term electricity bill savings with solar panels. Using a solar battery to store excess electricity could increase those savings, though it would add to equipment costs.

The retail rate and the avoided-cost rate change over time. The Public Service Commission of Louisiana offers a schedule of avoided-cost rates for different energy providers, as of early 2024. These rates are all under 3 cents per kilowatt-hour. The retail cost of electricity is much higher at about 13 cents per kWh, based on EnergySage data.

Property tax exemption

Like many states, Louisiana does not factor solar panels into the valuation of homes for property tax purposes.

This can essentially give you a break on your property taxes. Solar panels could potentially increase the value of your home if you choose to sell it in the future.

Energy storage in Louisiana

Some form of energy storage is a common feature of residential solar panel systems in Louisiana. In areas where full net metering isn’t available, a solar battery can allow homeowners to store and use excess power as needed, reducing their electricity bills. It can also be used as a source of backup power in the case of a power outage. In Louisiana, a typical solar battery costs $13,995 after the federal solar tax credit, according to EnergySage data from the second half of 2023.

Frequently asked questions

How should you choose a solar panel installer in Louisiana?

Gather multiple bids and compare them before making a decision. Consider factors like online customer ratings and how long companies have been in business. Be cautious about working with companies in Louisiana that send door-to-door salespeople to suggest putting solar panels on your roof; these companies often don’t give you the most competitive bids.

Can all roofs hold solar panels in Louisiana?

Solar installers may be reluctant to install on particular kinds of roofs, such as Spanish tile. The installation process can break the tiles and require expensive repairs, but it can be done.

Source: nerdwallet.com

Apache is functioning normally

July 17, 2024 by Brett Tams

Thinking of making Idaho your new home? The Gem State boasts stunning natural landscapes, vibrant cities, and a thriving economy, making it an appealing destination for newcomers. Whether you’re exploring homes for sale in Boise, considering renting in Coeur d’Alene, or looking for houses for rent in Idaho Falls, here’s what you need to know before moving to Idaho.

Idaho at a glance

Idaho is a treasure trove of natural beauty, from the majestic Shoshone Falls to the tranquil shores of Payette Lake. The state’s largest cities—Boise, Meridian, and Nampa—offer a rich tapestry of cultural activities and economic opportunities.

In terms of economy, Idaho shines in agriculture, technology, and healthcare, with major players like Micron Technology and Albertsons leading the way. The state’s lively arts scene comes alive at events like the Boise River Festival and the Idaho Potato Drop, while local cuisine features delights such as huckleberry dishes and fresh farm-to-table offerings.

For those seeking affordable places to live in Idaho, cities like Idaho Falls and Pocatello stand out, providing a high quality of life without breaking the bank. Whether you’re hiking in the stunning Sawtooth National Recreation Area, enjoying water activities at Lake Coeur d’Alene, or exploring local culture at the Boise Art Museum, Idaho promises a vibrant and fulfilling lifestyle.

1. The state is famous for its potatoes

Idaho is renowned for its potatoes, producing about one-third of the potatoes grown in the United States. The rich volcanic soil and ideal climate make Idaho perfect for growing these tubers. You’ll find Idaho potatoes in grocery stores nationwide, and you can visit the Idaho Potato Museum in Blackfoot to learn more about their history and cultivation.

Travel tip: Don’t miss the annual Spud Day Festival in Shelley, which celebrates all things potato with games, food, and a parade.

2. Sun Valley is a must if you love to ski or snowboard

Sun Valley is a world-class ski resort in Idaho, renowned for its pristine slopes and luxurious amenities. With over 2,000 acres of skiable terrain, it caters to all skill levels, featuring gentle beginner runs as well as challenging black diamond trails for the more experienced. Beyond skiing and snowboarding, visitors can enjoy ice skating on the picturesque outdoor rink at the Sun Valley Lodge, take romantic sleigh rides through the snowy landscape, or relax in cozy après-ski bars like the famous Duchin Lounge.

3. Varied cost of living throughout the state

Idaho’s cost of living varies significantly across the state, making it essential for potential residents to consider their options carefully. For example, Boise, the state capital, has seen a surge in popularity, resulting in a higher cost of living, with average rents for a one-bedroom apartment around $1,500 and median home sale prices hovering around $539,000. In contrast, smaller cities like Pocatello offer more affordable living, where one-bedroom rentals average about $900, and median home prices are closer to $315,000. Additionally, the cost of living in Idaho Falls is 19% lower than the cost of living in Boise. Overall, while urban centers may be pricier, Idaho’s diverse cities and towns offer a range of living costs, catering to different lifestyles and financial situations.

4. Idaho is an agricultural state

Idaho is an agricultural powerhouse, known for its diverse crop production and rich farmland that significantly contributes to the state’s economy. Beyond potatoes, the agricultural landscape includes wheat, barley, and sugar beets, with Idaho ranking as one of the top producers of hops used in craft brewing. Farmers markets across the state, like the Boise Farmers Market, showcase locally grown produce, artisanal goods, and fresh flowers, offering a delightful taste of Idaho’s bounty.

5. Prepare to encounter a ghost town

Idaho is home to several well-preserved ghost towns, remnants of the state’s rich mining history that offer a fascinating glimpse into the past. Towns like Silver City and Bayhorse feature abandoned buildings and artifacts from the 19th century, allowing visitors to explore the stories of those who once sought their fortunes in the rugged wilderness. Set against stunning backdrops of mountainous terrain and pristine landscapes, these ghost towns provide an adventurous day trip.

6. There’s a ton of state parks to explore

Idaho has an impressive array of state parks, each offering unique landscapes and recreational opportunities for outdoor enthusiasts. Parks like Priest Lake State Park and Harriman State Park feature stunning scenery, from pristine lakes and dense forests to expansive meadows, making them ideal for hiking, camping, and fishing. With over 30 state parks, visitors can enjoy activities like wildlife watching, boating, and picnicking amidst breathtaking natural beauty. The parks also host various trails, including those for mountain biking and horseback riding, allowing adventurers to immerse themselves in Idaho’s diverse ecosystems.

Travel tip: Consider purchasing an annual state parks pass in Idaho for unlimited access to all the state has to offer. Optimal times to plan your visits are during the shoulder seasons of spring and fall, when you can enjoy milder weather and avoid the crowds, allowing for a more relaxed and immersive outdoor experience.

7. The craft beer scene is booming here

Idaho’s craft beer scene is rapidly gaining recognition, marked by a diverse array of breweries that celebrate local ingredients and innovative brewing techniques. With over 70 craft breweries scattered across the state, from Boise to Coeur d’Alene, beer enthusiasts can enjoy everything from hoppy IPAs to rich stouts. Many breweries, such as Payette Brewing Company and Boise Brewing, prioritize using Idaho-grown hops and barley, showcasing the state’s agricultural roots.

Insider scoop: Take a brewery tour in Boise to sample a variety of local beers and learn about the brewing process. Don’t miss the annual Boise Brew Olympics, a fun event featuring games, food, and of course, beer.

8. Idaho is an outdoor paradise

From the rugged peaks of the Sawtooth National Recreation Area to the serene waters of Lake Coeur d’Alene, moving to Idaho provides endless opportunities for hiking, fishing, and camping. Outdoor enthusiasts can explore over 18 million acres of national forests and numerous state parks, where activities range from mountain biking and rock climbing to white-water rafting and skiing. Iconic destinations like Hells Canyon, the deepest river gorge in North America, provide breathtaking views and thrilling outdoor activities.

9. Check out the Idaho State Fair

The Idaho State Fair is a beloved annual event held in Blackfoot, showcasing the state’s agricultural heritage and providing fun activities for everyone. You can enjoy carnival rides, live entertainment, and delicious fair food. The fair also features livestock shows, rodeos, and exhibits highlighting Idaho’s local crafts and produce.

10. You may need to adjust to the rural lifestyle of the state

Idaho has a significant rural population, with many residents living in small towns or remote areas. This rural lifestyle offers peace, quiet, and a close-knit community feel, but it also means limited access to some amenities and services. If you’re moving to a rural area in the state, be prepared for longer drives to grocery stores, schools, and healthcare facilities.

Methodology

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

Source: rent.com