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Whether you’re saving up for a home in the city, splurging on new decor for your rental house, or simply have rent to pay on your apartment at the end of the month, enjoying Chicago doesn’t have to break the bank. The city is filled with free activities that let you explore its rich culture, stunning architecture, and beautiful outdoor spaces without spending a dime. 

From art and music to scenic parks and historic landmarks, there are countless ways to experience the Windy City’s vibrant energy while keeping your wallet happy. Here’s a roundup of the best free things to do in Chicago, IL.!

1. Explore the outdoors

One of the best free things to do in Chicago is taking a much needed, refreshing break from the city’s bustle. Whether you’re seeking peaceful trails or charming coastal views, these spots provide a perfect escape from city life in Chicago.

Enjoy the quiet side of the city

Need a break from the noisy streets and bustling crowds? Step off the usual route and visit Northerly Island, tucked behind the Museum Campus. “It’s a bit off the beaten path but offers amazing skyline views and peaceful trails along Lake Michigan,” TK Photography shares. “Whether you’re just out for a walk or catching a concert at the pavilion, it’s a perfect way to enjoy the quieter side of the city.

Hang around after a game

If you’ve just finished cheering at a sports game, or singing along at a concert at the Wintrust Arena, or if you’re simply in the South Loop area—why not stick around? Enjoy the breathtaking city views and take a leisurely stroll along the lakefront and by McCormick Place, the largest convention center in North America. And if you do get hungry after your walk, savor some fantastic dining options nearby.

Take a day trip

Escape the city and visit Evanston’s Grosse Point Lighthouse, a short trip from Chicago. This historic landmark, set by the beach, offers stunning photo opportunities with its charming architecture and golden grasses. It’s the ideal spot for capturing beautiful shots and enjoying a peaceful coastal vibe. “Whether you’re snapping photos with your phone or hiring a professional, the lighthouse’s unique lighting and scenery make it a perfect location any time of day,”  says local photographer, Maloos Photography.

Photo courtesy of Maloos Photography

2. Attend local events

Engaging with local events is a fantastic way to meet new people, try new unique activities, and immerse yourself in the community. Not only are these typically free things to do in Chicago, but they also provide a fun and enriching way to discover new aspects of your neighborhood.

Experience community and creativity

Head over to Bridgeport and visit So Happy You’re Here, a cozy spot that’s more than just a shop. It’s a cultural hotspot where events including a community craft circle, silent book club, and drag story hours are hosted. So while you’re exploring the racks and shelves for vintage finds, local art and handmade goods, be sure to stop by for exciting events. 

Connect with stories

If you go a little up North to West Lakeview, visit Three Avenues Bookshop – a local treasure with a welcoming atmosphere. Alongside a charming selection of new books and a dedicated kids section, this shop hosts a variety of events like yoga classes, open mic nights, story times, and author talks. It’s the perfect place to meet new people, explore new activities, and enjoy the neighborhood vibe.

Photo courtesy of Three Avenue Bookshop

Appreciate the arts

For a distinctive, free art experience in Chicago, head to The Bridgeport Art Center (BAC), a vibrant hub of creativity for over 20 years. Featuring more than 10,000 square feet of rotating gallery spaces, BAC’s monthly Third Friday Open Studios invite visitors to explore the work of over 150 artists. While you’re there, enjoy a stop at BASE Community Café, discover the Chicago Maritime Museum, or Shared Floor Ceramics

3. Explore the neighborhoods

Stroll through the markets and shops

Experience the charm of Chicago at the Chicago Vintage Festival, where the city’s eclectic style comes alive. This vibrant marketplace brings together local vintage vendors showcasing their unique finds monthly, from timeless fashion to retro collectibles. Whether you’re a seasoned Chicagoan or new to the city, the festival offers a taste of Chicago’s creative spirit and community.

The Roaming Reader suggests, “start your route at Two Hearted Queen for an unbeatable scone and coffee. Take a stroll from a mile and you’ll come to my favorite two bookstores in the city, The Last Chapter, for all your romance needs, and Roscoe Books, for just about anything else.”

Chicago is a vintage lover’s paradise, offering everything from antique shops to vibrant pop-ups. Start at Lazy Dog Antiques on Belmont Avenue in Roscoe Village, filled with unique vintage lighting, furniture, barware, and jewelry. While you’re there, explore more shops along Antiques Row for a full day of treasure hunting.

Discover indoor play in every season

Searching for a fun activity for everyone to enjoy that’s easy on the wallet and weatherproof? Erin from Chicago with Kids recommends the Garfield Park Conservatory, “It’s free to visit, just reserve your spot. They’ve got everything from gorgeous gardens to kids’ programs and special events. With Chicago’s unpredictable weather, it’s always a great go-to for fun. Their outdoor play area is open year-round, and they’re even building a new indoor play space this year!”

Spend the day in Lincoln Square

Enjoy a stroll through this charming neighborhood, explore unique shops, or relax in one of the public spaces. Lincoln Square offers a mix of activities to immerse yourself in the community, whether you’re spending or saving.

Katie from Lincoln Square Ravenswood Chamber of Commerce says, “Start with a meal at Bistro Campagne, a French restaurant with a romantic patio. For cocktails, try the Robin at The Warbler across the street. Visit Merz Apothecary, a neighborhood staple since 1875, or relive childhood memories at Timeless Toys. End your day at Artango Bar and Steakhouse for great wine, food, and a chance to dance the tango.”

Photo courtesy of Lincoln Square Ravenswood Chamber of Commerce

Visit the smaller neighborhoods 

In Chicago, the true essence of the city often lies in its smaller neighborhoods like West Town, just south of Wicker Park. This neighborhood is ideal for a casual stroll, whether solo or with friends. With its eclectic boutiques, cozy cafes, and colorful street art, it’s a neighborhood made for window shopping and soaking in the local charm.

According to Lost Girls Vintage, “a perfect day in West Town includes brunch at All Together Now, followed by walking down Chicago Avenue exploring local shops like Sprout Home, Tarnish, and Paperish Mess. Lastly, We’d stop by Beatnik for an afternoon cocktail in their beautiful restaurant followed by more shopping at Dovetail then walk up Ashland to more shops like Petals and Jackets.” 

4. Find volunteer work

Looking for a free activity in Chicago where you can give back to the community while nurturing your creative side? Epic Art House, a vibrant non-profit located in Bucktown, is the perfect place. Dedicated to fostering connection and creativity, they offer weekly pottery and arts classes for all ages. Whether you’re eager to share your skills by teaching or simply want to lend a helping hand, Epic Art House welcomes your involvement.

5. Unwind at happy hour

While this isn’t necessarily always a free experience, kick back with your colleagues and hang out at The Boss Bar, proudly serving Chicago for over 35 years. It’s the perfect place to let loose after 5PM and mix and mingle. They host lively late-night experiences, ensuring an inviting environment for all guests and aim to celebrate key members of the community from past to present. 

Free things to do in Chicago, IL: Final thoughts

Chicago offers a wealth of free activities to enjoy its vibrant culture and dynamic energy. Whether exploring tranquil parks, diving into the local art scene, or discovering hidden gems, you can experience the city’s richness without breaking the bank. Experience Chicago in a whole new way.

Photo courtesy of TK Photography

Source: rent.com

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Las Vegas, Nevada, also known as Sin City, is renowned for its dazzling nightlife, opulent casinos, and world-class entertainment. The city is known for the strip, a stretch of Las Vegas Boulevard that features a variety of resort hotels and casinos bathed in neon lights. However, beyond the iconic Strip, there is a wealth of unique things to do in Las Vegas ranging from culinary delights to stunning natural landscapes. So whether you’re a Las Vegas native, a visitor touring its many neighborhoods, or someone looking to move to the area, check out these great tips from our amazing local experts on how to make the most of your time in the city.

Interested in moving to Las Vegas, NV? Check out: 

Apartments for rent in Las Vegas, NV | Houses for rent in Las Vegas, NV | Homes for sale in Las Vegas, NV

Picture courtesy of Sharon & George Konold from Amazing Travel Inc.

Take in the city’s themed attractions

Las Vegas is home to some great themed attractions, many of which feature cutting-edge technology and immersive experiences. If you’re after an exhilarating adventure, take a look at the options below:

“We really enjoyed our show at The Sphere! The Sphere Experience was awesome photography on a curved, round screen over our heads. I bought the tickets well ahead of time online and we were in the front row, looking down onto the stage reserved for bands. Looking forward and upward was fabulous flying photography with nobody in our line of sight. The flying camera is so fantastic that you feel the motion. The photography of our great country’s beautiful landscapes was stunning. Familiar places were seen in a whole new light. We weren’t aware of the robots preceding our show, so we missed it. Be sure to do that first, then go to your seats.

We also highly recommend another fabulous photography show. Go to The Flyover on the strip near the Hard Rock Café. This one is much smaller than The Sphere, but your seat moves out into the projected landscape scene, and you feel the wind and some spray on your face when appropriate. Once again, it’s awesome flying photography, probably from a helicopter whose pilot did a great job. They had two shows when we went and now, they have 6 shows to choose from.” Sharon & George Konold from Amazing Travel Inc. 

Photo courtesy of EggWorks/Egg & I

Must-experience culinary delights

Las Vegas is a food lover’s paradise, with a higher concentration of renowned chefs and awarded restaurants than nearly any city. If you’re looking for good eats in the Vegas area, check out the below recommendations from our local experts: 

“EggWorks and Egg & I family restaurants are family-owned and locally operated establishments open 7 days a week from 6 am-2 pm Monday- Friday, and 6 am-3 pm Saturdays and Sundays.  We have been providing Egg-Cellent customer service to the Vegas valley for over 30 years. We currently have seven locations and all seven display a train that races around the dining rooms daily. Our delicious breakfast and lunch items are top-notch and never disappoint. Try our famous banana nut muffin; that in itself will keep anyone coming back for more!” Melody Padilla from Egg Works/ Egg & I 

Joël Robuchon: This restaurant epitomizes luxury dining with its exquisite French cuisine. Renowned for its meticulous attention to detail, this Michelin-starred restaurant offers a sophisticated menu featuring beautifully crafted dishes like the signature lobster ravioli and truffle mashed potatoes. For those seeking the pinnacle of French gastronomy, Joël Robuchon delivers an unforgettable culinary journey.

Raku: Raku is a celebrated gem in Las Vegas for authentic Japanese fare, offering a cozy, intimate setting with an emphasis on traditional flavors and quality ingredients. Known for its exceptional skewers, such as tender yakitori and flavorful grilled meats, Raku also delights with dishes like crispy tempura and rich, savory ramen. The restaurant’s commitment to authenticity and its warm, inviting atmosphere make it a favorite among locals and visitors seeking a genuine taste of Japan.

Vegas Valley Winery: Great eats aren’t complete without a refreshing beverage. For wine lovers, Vegas Valley Winery is a must visit. “A winery in the desert? Yes! Vegas Valley Winery, the first and only winery in the Las Vegas area, has quickly become a favorite among locals. Located in Henderson, this winery provides a relaxing environment where visitors can enjoy expertly crafted wines made from grapes sourced from premier vineyards across the country. Locals love the cozy tasting room, and the variety of events hosted here, from wine and paint nights to live music. The friendly and knowledgeable staff make every visit a personalized experience, ensuring new residents feel right at home while discovering their new favorite wines.” Shared JB from Grape & Barrel

Enjoy the city’s nightlife

While searching for unique things to do in Las Vegas, ensure that you schedule time to soak up the nightlife. From chic cocktail experiences to speakeasy-type venues, the city has it all. Take a gander at the below recommendations for nighttime fun: 

The Chandelier Bar at The Cosmopolitan: The Chandelier Bar is a glamorous, multi-story lounge encased in a stunning, shimmering chandelier. The menu features a range of artisanal drinks crafted by expert mixologists, offering both classic and inventive options. Whether you’re seeking an elegant night out or a unique setting for socializing, The Chandelier Bar provides an unforgettable, upscale experience.

The Vault: This chic, speakeasy-style bar is renowned for its stylish ambiance and expertly crafted cocktails. With a focus on luxury and exclusivity, it offers a refined setting for enjoying meticulously prepared drinks in a sophisticated atmosphere. The bar’s elegant decor and impressive drink menu, featuring both classic concoctions and innovative creations, make it an ideal destination for a classy night out.

The Herbs & Rye: Known for its craft cocktails and vintage charm, the Herbs & Rye is a celebrated establishment in the Vegas area. With a speakeasy feel and a focus on high-quality, well-balanced drinks, it stands out for its spectacularly mixed cocktails and extensive menu. The cozy, retro ambiance and knowledgeable staff make it a favorite spot for those seeking a top-notch cocktail experience in a relaxed setting.

Photo courtesy of Andrew Thomas from The Life of Luxury

Experience the city’s art and culture

Las Vegas isn’t just about the glitz and glamor; it’s also home to a vibrant art scene. Be sure to check out the below-recommended experiences while in the city:

“The Bellagio Conservatory And Botanical Gardens is definitely one of the top attractions on the world-famous Las Vegas Strip. The 14,000-square-foot Botanical Gardens morphs five times each year, into a stunning display of colorful floral and music. Stroll through at your leisure and the best part is the exhibit is free! Visiting during the holiday season is both magical and breathtaking.” Shared Andrew Thomas from The Life of Luxury.

The Botanical Gardens came very highly recommended by our experts. Sharon & George also had spectacular things to say about the experience, adding in some great tips and tricks to make the most of your adventure there: “The gardens change with each season and the Lunar New Year.  It’s spectacular each time we go so we take a lot of beautiful photos. It’s beautiful, it smells great, and the soothing music creates such a relaxing stroll all the way around.  It’s amazing how everything is made from flowers, yet it looks so real.  The colors are so vivid that they’re beyond description. You just must see it. Visit the website to see the “dark dates” when they’re doing the construction.”  

Photo courtesy of Sharon & George Konold from Amazing Travel Inc.

During peak times and seasons, the crowd requires some patience, but they’re polite and they may offer to take a picture for you rather than your selfie.  A selfie stick is ideal for shots of you and yours with the unobstructed view of beauty behind you.  One year I did all videos instead of still photos because there’s always fountains, real fish and moving figures.  That’s why this is our must-see beauty in Las Vegas every time we visit.”  Sharon & George Konold from Amazing Travel Inc.

The Arts Factory: The Arts Factory in Las Vegas is a vibrant creative hub located in the Las Vegas Arts District showcasing the city’s dynamic art scene. Housed in a historic building, it features an eclectic mix of galleries, studios, and artist spaces. Visitors can explore contemporary artworks, attend gallery openings, and interact with local artists. With its diverse exhibitions and lively atmosphere, The Arts Factory offers an engaging and immersive experience for art enthusiasts and those curious about the local creative community.

The Arts District (18b): “Located in the lively Las Vegas Arts District, 18b is a vibrant spot known for its welcoming atmosphere, where live music, a creative menu including delicious vegan and gluten-free options, and dog-friendly events like “Yappy Hour” come together. Locals rave about the sense of community and the relaxed vibe, making it a great place for new residents to meet people, enjoy good food, and bring their furry friends along for the fun.” JB from Grape & Barrel

Photo courtesy of Andrew Thomas from The Life of Luxury

Pass the time with shopping and entertainment

For a luxury shopping spree, head to The Shops at Crystals. This high-end retail destination features designer boutiques and upscale stores, and is a great way to get in a few steps while browsing for items to add to your collection. Especially during the Christmas season when the area is adorned with spectacular decorations: 

“The Shops at Crystals shopping center at CityCenter is an incredible place to walk around. From one end to the other, this high-end shopping mall is filled with the top luxury brand retailers in the world. You can shop at Gucci, Louis Vuitton, Prada, Christian Dior, Jimmy Choo, Saint Laurent, FENDI, Dolce & Gabbana, and many more,” shares Andrew Thomas from The Life of Luxury. If you’re looking for more eclectic finds, explore Downtown Las Vegas, where local shops and unique boutiques offer a range of interesting items.

Sin City is synonymous with top-tier entertainment. Catch a show or production when looking for unique things to do in Las Vegas, or check out one of the amazing museums in the area: 

KÀ by Cirque du Soleil: “KÀ is definitely one of the must-see Cirque du Soleil shows in Las Vegas and likely the most elaborate and spectacular theatrical presentation you will ever see, anywhere! KA is special, Ka is mesmerizing, KA is a once in a life-time experience. Located at the MGM Grand Hotel & Casino, the non-stop action show delivers an intense display of breathtaking acrobatics, blended with unbelievable theater stage mechanics.” Andrew Thomas from The Life of Luxury

Photo courtesy of The Vox Agency

Atomic Museum: “At the Atomic Museum, we offer a unique journey through history that connects visitors with the pivotal moments that shaped our world,” said Rob McCoy, chief executive officer, Atomic Museum. “From exploring the dawn of the Atomic Age to understanding its lasting impact on science, technology and culture, our exhibits provide a thought-provoking and unforgettable experience for all ages.” Rob McCoy, CEO of Atomic Museum

Area15: “For those new to Las Vegas, Area15 offers a welcoming space to explore and unwind. This unique entertainment complex blends art, technology, and social experiences in a fresh and approachable way. It’s where you can wander through interactive exhibits, enjoy a casual meal with friends, or take in the creative atmosphere. With its variety of attractions, from immersive installations to cozy lounges, Area15 provides a great spot to connect with the local culture and find your own pace in the city. It’s a destination that encourages curiosity and offers something new to discover each time you visit.” JB from Grape & Barrel

Spend an evening in one of Las Vegas’ spectacular casinos

Of course, no trip to Las Vegas is complete without trying your luck at the casinos. Caesars Palace and The Venetian are among the most iconic, offering a range of gaming options from slots to poker. While they are certainly popular destinations, the constant change in their lively atmospheres still make them unique things to do in Las Vegas:

Caesars Palace: The casino at Caesars Palace is a sprawling, high-energy venue renowned for its grandeur and variety. It features an extensive selection of gaming options, from classic table games like blackjack and roulette to a wide range of slot machines. The casino’s luxurious design and high-stakes atmosphere offer an immersive gambling experience. With its impressive size and vibrant environment, Caesars Palace caters to both casual players and serious gamblers, making it a must-visit for casino enthusiasts.

The Venetian: The Venetian’s casino offers a sophisticated and expansive gaming experience, blending elegance with excitement. It features a broad array of gaming choices, including slot machines, poker tables, and classic table games like baccarat and craps. The casino’s Venetian-inspired decor, complete with grand architectural elements, enhances the immersive experience. Whether you’re a high-roller or a casual player, The Venetian provides a stylish and thrilling environment to try your luck and enjoy world-class gaming.

Photo courtesy of John Bognot from John Bognot Photography

Get out of the city and dive into nature

For outdoor enthusiasts, Las Vegas offers plenty of natural beauty perfect for hiking, biking, or a leisurely drive. One such place is Red Rock Canyon. Check out these words from our local experts on why it’s a place that you should prioritize when looking for unique things to do in Las Vegas:

“One of my absolute favorite activities in Las Vegas is mountain biking near Red Rock Canyon during the cooler months. The scenery is breathtaking, and it’s the perfect way to enjoy the natural beauty of the area” John Bognot from John Bognot Photography 

“When you think of Las Vegas, your mind goes to the lights and action that revolve around the Las Vegas Strip.  Beyond the strip, Las Vegas is home to some fabulous outdoor activities.  Red Rock Canyon is less than 20 miles from the Las Vegas Strip offering miles of hiking trails and rock climbing.” Don Cramer, real estate advisor at Vegas Homes NV

“One of the best places to visit and escape the city is to go for a motorcycle ride through the Red Rock scenic loop. It is a state conservation area and has a fee, but once you get in you will be greeted by beautiful red rock formations and slow 1 way traffic road with scenic pullouts. You wouldn’t believe you were still in Las Vegas and it offers the perfect escape, especially around sunset.” Maggie Hicks from Red Rock Harley-Davidson

While Red Rock Canyon is a great place to visit in the city, just beyond city limits lie some spectacular outdoor experiences. Take a gander at these suggestions from our local experts that are sure to captivate your senses:

“One standout experience we love is exploring the Valley of Fire State Park. Just a short drive from the city, it offers breathtaking red sandstone formations, ancient petroglyphs, and some of the most picturesque hiking trails in the region. It’s a perfect getaway for those looking to experience the natural beauty that contrasts the vibrant energy of the Strip.” Narmin Aliyeva from AirportTransfer.com

“When the summer heat kicks in, I like to escape to Lake Mead or Mount Charleston for a refreshing change of pace. Both spots offer a peaceful retreat and a chance to enjoy the great outdoors.” John Bognot from John Bognot Photography

Don Cramer, real estate advisor at Vegas Homes NV is also a fan of Lake Mead, sharing that it “offers many activities including boating, hiking trails and the 34 mile long River Mountain Trail for cyclists. If you are looking to stay close to home, residents will find miles of dedicated bike paths throughout the valley.  Whether you are looking to walk the dog or go for a run, the community of Summerlin has over 200 miles of trails connecting the villages. With almost 300 days of sun in Las Vegas, your ability to enjoy the outdoors is plentiful.” 

Picture courtesy of Sharon & George Konold from Amazing Travel Inc.

Finish off your Las Vegas adventure with a view of the city

While there are some spectacular scenic views of the natural variety in the Las Vegas area, don’t discount the views that can be seen of the city. One of the best ways to take in the cityscape is from the High Roller, a massive observation wheel offering panoramic views of Las Vegas. It’s especially beautiful at night when the city lights up. 

“Another family friendly attraction that we love is The LINQ High Roller. We enjoyed the half-hour ride up to the 550 foot top and then down the other side. You get unrivaled views of the Las Vegas Strip and Hotels. The evening with all the Las Vegas lights is good for families or adults. Purchase the Happy Half Hour Option and enjoy as many drinks as you can in the half hour trip. The cups were small, but our bartender quickly filled them up! I had 5 drinks, so one every six minutes made for a very fun time. Oops! I let a Vegas secret out.” Sharon & George Konold from Amazing Travel Inc.

Unique things to do in Las Vegas: Wrapping up

In summary, Las Vegas is a city of contrasts, offering everything from luxurious experiences and high-energy nightlife to serene natural escapes and rich cultural attractions. Whether you’re exploring the vibrant art scene, enjoying world-class dining, or taking in the breathtaking scenery, there’s always something exciting to discover in this dynamic city. Take heed of the suggestions from our experts above to find the most unique things to do in Las Vegas.

Source: rent.com

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When people think of Los Angeles, they often picture its bustling city center, but the true essence of living in LA extends beyond the urban core. The suburbs of Los Angeles are diverse residential areas that offer a quieter, more relaxed lifestyle while still providing easy access to the city’s vibrant amenities. These LA suburbs are spread across various parts of the metropolitan area, each with its own unique character and appeal. 

In this ApartmentGuide article, we’ll explore some of the most notable Los Angeles suburbs—from the coastal enclaves to the foothill retreats—highlighting key aspects such as population, average rent, and what makes each area stand out. Whether you’re searching for the perfect apartment in Los Angeles or curious about the different Los Angeles neighborhoods, let’s discover the best parts of LA to call home.

Cost of living in Los Angeles

Before we dive into the top Los Angeles suburbs, let’s cover how much it costs to live in LA. The overall cost of living in Los Angeles is 50% higher than the national average. Housing is a significant factor, with the median sale price for a home in Los Angeles at $1,064,500, which is 137% higher than the national average of $438,929. Rent follows a similar trend, with the average rent for a one-bedroom apartment in Los Angeles at $3,165, also 137% more than the national average of $1,494.

While some suburbs around Los Angeles offer more affordable options, others can be just as expensive, if not more. Here, we’ll explore a range of top suburbs, providing different lifestyle and housing opportunities depending on your budget and preferences.

If you’re looking for more specific rental insights, check out our guides on the 12 Most Affordable Neighborhoods in Los Angeles, CA for Renters in 2024 and the 14 Most Expensive Neighborhoods in Los Angeles to Rent in 2024.

1. Pasadena

Known for: Historic architecture, Rose Bowl, Tournament of Roses Parade

Pasadena is a city steeped in history, renowned for its well-preserved architecture, cultural institutions, and scenic beauty. Just northeast of downtown Los Angeles, it offers a tranquil environment while being close to the city’s energy. Pasadena is famous for the annual Tournament of Roses Parade and the Rose Bowl, a major venue for college football and other events. 

The city boasts diverse architectural styles, including Craftsman bungalows and Spanish Colonial Revival homes, all set against the picturesque backdrop of the San Gabriel Mountains. The vibrant Old Town Pasadena area provides a lively mix of shopping, dining, and entertainment options, making it a popular destination for both residents and visitors.

Population: 141,000
Average rent for a one-bedroom apartment: $2,843
Median home sale price: $1,160,000
Pasadena transportation scores: Walk Score 43, Bike Score 45

Apartments for rent in Pasadena, CA |  Houses for rent in Pasadena, CA | Homes for sale in Pasadena, CA 

2. Santa Clarita

Known for: Outdoor recreation, Six Flags Magic Mountain, expanding economy

Located about 30 miles northwest of downtown Los Angeles, Santa Clarita is one of the fastest-growing suburbs in the region, offering a dynamic mix of residential communities, commercial centers, and natural beauty. The area is known for its extensive park systems and recreational facilities, which provide ample opportunities for hiking, biking, and other outdoor activities. Santa Clarita is also home to Six Flags Magic Mountain, a major attraction for thrill-seekers. The city’s economy is flourishing, with a growing influx of businesses, from tech startups to corporate offices, establishing themselves in the area. This economic growth has boosted local job opportunities and contributed to the area’s rising appeal. Santa Clarita’s blend of modern amenities and access to nature makes it an appealing place to live.

Population: 225,000
Average rent for a one-bedroom apartment: $2,734
Median home sale price: $795,000
Santa Clarita transportation scores: Walk Score 35, Bike Score 33

Apartments for rent in Santa Clarita, CA | Houses for rent in Santa Clarita, CA | Homes for sale in Santa Clarita, CA

3. Burbank

Known for: Entertainment industry, Warner Bros. Studios, Disney

Burbank, just north of Hollywood, is known as the “Media Capital of the World” due to its concentration of major entertainment companies like Warner Bros. Studios and Disney. Despite its proximity to the bustling entertainment industry, Burbank maintains a small-town charm with its tree-lined streets and welcoming atmosphere. The city offers a unique blend of residential tranquility and commercial vibrancy, with a variety of shops, restaurants, and cultural venues. The nearby Verdugo Mountains provide scenic hiking trails and outdoor recreation opportunities, adding to Burbank’s appeal as a place where creativity and nature coexist.

Population: 105,000
Average rent for a one-bedroom apartment: $2,211
Median home sale price: $1,330,000
Burbank transportation scores: Walk Score 71, Bike Score 62, Transit Score 39

Apartments for rent in Burbank, CA | Houses for rent in Burbank, CA | Homes for sale in Burbank, CA

4. Glendale

Known for: Cultural diversity, Americana at Brand, historic landmarks

Glendale is a vibrant suburb known for its rich cultural diversity and thriving community. Located northeast of downtown Los Angeles, Glendale is home to a variety of cultural institutions, including the historic Alex Theatre and the Museum of Neon Art. The city’s Americana at Brand shopping center is a major attraction, offering a mix of high-end retailers, restaurants, and entertainment options in a beautifully designed outdoor setting. Glendale also offers numerous parks and recreational facilities, making it an ideal place for those who enjoy outdoor activities. With its blend of historic charm and modern amenities, Glendale offers a well-rounded living experience.

Population: 200,000
Average rent for a one-bedroom apartment: $2,700
Median home sale price: $1,133,000
Glendale transportation scores: Walk Score 71, Bike Score 52, Transit Score 45

Apartments for rent in Glendale, CA | Houses for rent in Glendale, CA | Homes for sale in Glendale, CA

5. Culver City

Known for: Tech startups, creative industries, vibrant cultural scene

Culver City has transformed into a bustling hub of creativity and innovation, attracting tech startups, creative agencies, and entertainment companies. Located just west of downtown Los Angeles, Culver City offers a walkable downtown area filled with trendy restaurants, boutique shops, and art galleries. The city’s strong connection to the entertainment industry is evident, with major film studios and production facilities located within its boundaries. Culver City also has a rich cultural scene, with numerous theaters, museums, and galleries contributing to its dynamic atmosphere. Whether you’re in the tech industry or the arts, Culver City is a great suburb to call home. 

Population: 40,000
Average rent for a one-bedroom apartment: $3,595
Median home sale price: $1,237,500
Culver City transportation scores: Walk Score 76, Bike Score 71, Transit Score 48

Apartments for rent in Culver City, CA | Houses for rent in Culver City, CA | Homes for sale in Culver City, CA

6. Manhattan Beach

Known for: Stunning beaches, upscale living, Manhattan Beach Pier

For those who dream of coastal living, Manhattan Beach offers a luxurious yet laid-back lifestyle along the Pacific Ocean. Located about 20 miles southwest of downtown Los Angeles, this affluent suburb is known for its stunning beaches, excellent surf, and scenic Strand bike path. The Manhattan Beach Pier is a landmark, offering breathtaking views of the ocean and the coastline. The city’s downtown area features a mix of high-end boutiques, gourmet restaurants, and casual cafes, all with a relaxed beach-town vibe. Manhattan Beach’s upscale homes, many with ocean views, make it one of the most desirable places to live in the Los Angeles area.

Population: 35,000
Average rent for a one-bedroom apartment: $2,995
Median home sale price: $2,450,000
Manhattan Beach transportation scores: Walk Score 73, Bike Score 52

Apartments for rent in Manhattan Beach, CA | Houses for rent in Manhattan Beach, CA | Homes for sale in Manhattan Beach, CA

7. Beverly Hills

Known for: Luxury living, Rodeo Drive, celebrity homes

Beverly Hills is synonymous with luxury and exclusivity. This world-renowned suburb is home to some of the most opulent estates and high-end shopping in the world. Rodeo Drive, with its designer boutiques and luxury retailers, is a major draw for visitors and residents alike. Beverly Hills is also known for its meticulously maintained public spaces, including the iconic Beverly Gardens Park. The city’s prestigious address, celebrity residents, and unparalleled amenities make it one of the most coveted places to live in Los Angeles.

Population: 34,000
Average rent for a one-bedroom apartment: $3,045
Median home sale price: $2,575,000
Beverly Hills transportation scores: Walk Score 75, Bike Score 52, Transit Score 55

Apartments for rent in Beverly Hills, CA | Houses for rent in Beverly Hills, CA | Homes for sale in Beverly Hills, CA

8. Santa Monica

Known for: Santa Monica Pier, beaches, Third Street Promenade

Santa Monica offers the quintessential Southern California beach lifestyle, with its wide sandy beaches, iconic pier, and vibrant downtown area. Located just west of downtown Los Angeles, Santa Monica is a popular destination for both residents and tourists. The Santa Monica Pier, with its amusement park, aquarium, and restaurants, is a symbol of the city’s laid-back, fun-loving atmosphere. The Third Street Promenade is a bustling pedestrian street filled with shops, cafes, and street performers, making it a lively spot for entertainment and leisure. Santa Monica’s combination of beachfront living and urban amenities makes it a unique and desirable place to call home.

Population: 91,000
Average rent for a one-bedroom apartment: $3,631
Median home sale price: $1,400,000
Santa Monica transportation scores: Walk Score 83, Bike Score 88, Transit Score 60

Apartments for rent in Santa Monica, CA | Houses for rent in Santa Monica, CA | Homes for sale in Santa Monica, CA

9. Long Beach

Known for: Queen Mary, Aquarium of the Pacific, vibrant downtown

Long Beach, while a city in its own right, is often considered a suburb of Los Angeles due to its proximity and accessibility to the larger metropolitan area. This coastal city offers a mix of urban living and seaside charm, with a bustling downtown area, historic landmarks, and a strong sense of community. The Queen Mary, a retired ocean liner, is one of the city’s most famous attractions, now serving as a hotel and museum. The Aquarium of the Pacific is another major draw, featuring exhibits that highlight the diverse marine life of the Pacific Ocean. With its scenic waterfront, diverse neighborhoods, and vibrant cultural scene, Long Beach is a dynamic place to live.

Population: 467,000
Average rent for a one-bedroom apartment: $2,797
Median home sale price: $840,000
Long Beach transportation scores: Walk Score 73, Bike Score 70, Transit Score 49

Apartments for rent in Long Beach, CA | Houses for rent in Long Beach, CA | Homes for sale in Long Beach, CA 

10. West Hollywood

Known for: Nightlife, LGBTQ+ community, Sunset Strip

West Hollywood, or WeHo, is a vibrant and culturally rich suburb known for its iconic nightlife, diverse community, and historic landmarks. The Sunset Strip, with its legendary music venues, bars, and restaurants, is at the heart of West Hollywood’s entertainment scene. The city is also known for its strong LGBTQ+ community and progressive culture, making it a welcoming and inclusive place to live. West Hollywood’s blend of historic charm, modern amenities, and vibrant social scene make it a unique and dynamic community within the Los Angeles area.

Population: 36,000
Average rent for a one-bedroom apartment: $3,367
Median home sale price: $965,000
West Hollywood transportation scores: Walk Score 91, Bike Score 58, Transit Score 61

Apartments for rent in West Hollywood, CA | Houses for rent in West Hollywood, CA | Homes for sale in West Hollywood, CA

11. Torrance

Known for: Parks, diverse dining, strong community vibe

Torrance offers a suburban feel with a blend of residential, commercial, and industrial areas. The city is known for its well-maintained parks, variety of dining options, and strong sense of community. Torrance is also home to a number of major corporations, making it a hub for business and employment in the region. The city’s proximity to the coast and its mild climate add to its appeal, providing residents with access to both urban amenities and outdoor activities. With its diverse offerings and central location, Torrance is a well-rounded community that attracts a wide range of residents.

Population: 147,000
Average rent for a one-bedroom apartment: $2,295
Median home sale price: $1,102,000
Torrance transportation scores: Walk Score 67, Bike Score 37, Transit Score 54

Apartments for rent in Torrance, CA | Houses for rent in Torrance, CA | Homes for sale in Torrance, CA

12. Malibu

Known for: Beaches, surf culture, exclusive living

Malibu is the epitome of coastal luxury, known for its pristine beaches, surf culture, and exclusive homes. Located along the Pacific Coast Highway, Malibu offers stunning ocean views and a relaxed, yet sophisticated lifestyle. The area’s beaches, such as Zuma Beach and Surfrider Beach, are world-famous for their beauty and surf conditions. Malibu’s homes range from beachfront estates to hillside retreats, all offering a high level of privacy and luxury. The community’s natural beauty, combined with its close-knit atmosphere and upscale amenities, make Malibu one of the most sought-after addresses in Southern California.

Population: 13,000
Average rent for a two-bedroom apartment: $7,045
Median home sale price: $2,500,000
Malibu transportation scores: Walk Score 33

Apartments for rent in Malibu, CA | Houses for rent in Malibu, CA | Homes for sale in Malibu, CA

13. Redondo Beach

Known for: Redondo Beach Pier, marina, laid-back lifestyle

Redondo Beach offers a relaxed coastal lifestyle with easy access to the beach, a lively pier, and a marina. The Redondo Beach Pier is a hub of activity, with restaurants, shops, and opportunities for water sports. The city’s marina is a popular spot for boating and fishing, adding to the area’s appeal for those who love the water. Redondo Beach’s residential areas range from charming bungalows to modern condos, all within walking distance of the beach. The city’s laid-back atmosphere, combined with its vibrant community and coastal beauty, make it a highly desirable place to live.

Population: 67,000
Average rent for a one-bedroom apartment: $2,995
Median home sale price: $1,505,000
Redondo Beach transportation scores: Walk Score 75, Bike Score 64

Apartments for rent in Redondo Beach, CA | Houses for rent in Redondo Beach, CA | Homes for sale in Redondo Beach, CA 

14. Palos Verdes Estates

Known for: Ocean views, luxurious homes, rolling hills

Palos Verdes Estates is an exclusive suburb known for its scenic ocean views, luxurious homes, and rolling hills. The community is nestled on the Palos Verdes Peninsula, offering stunning vistas of the Pacific Ocean and Catalina Island. Palos Verdes Estates is also home to several top-rated golf courses and extensive equestrian trails, providing residents with a variety of recreational opportunities. The suburb’s residential areas are characterized by large estates, many with expansive gardens and private access to the coastline. Palos Verdes Estates’ combination of natural beauty, privacy, and luxury make it a premier destination for those seeking an upscale lifestyle.

Population: 13,000
Average rent for a one-bedroom apartment: $2,800
Median home sale price: $2,976,000
Palos Verdes Estates transportation scores: Walk Score 48, Bike Score 27, Transit Score 6

Apartments for rent in Palos Verdes Estates, CA | Houses for rent in Palos Verdes Estates, CA | Homes for sale in Palos Verdes Estates, CA 

15. Calabasas

Known for: Gated communities, celebrity homes, natural beauty

Calabasas is a suburban enclave known for its gated communities, celebrity residents, and picturesque surroundings. Located in the western San Fernando Valley, Calabasas offers a peaceful retreat from the hustle and bustle of city life. The area is known for its large estates and private communities, many of which feature lush landscaping and stunning views of the surrounding hills. Calabasas is also home to a number of parks and nature reserves, providing residents with ample opportunities for outdoor activities. The suburb’s blend of privacy, luxury, and natural beauty make it a sought-after location for those looking to escape the urban environment while still being close to Los Angeles.

Population: 24,000
Average rent for a one-bedroom apartment: $2,696
Median home sale price: $1,832,500
Calabasas transportation scores: Walk Score 23, Bike Score 15

Apartments for rent in Calabasas, CA | Houses for rent in Calabasas, CA | Homes for sale in Calabasas, CA

Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the Los Angeles area. Average rent and home sale price data were sourced from Redfin and Rent.com as of September 2024. Transportation data, including Walk Scores, Bike Scores, and Transit Scores, was sourced from WalkScore.

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The Offer

Check your email for the following offer on the Citi Sears card with Shop Your Way Rewards:

  • 250,000 points for $1000 in online shopping between 9/15 and 10/14

Our Verdict

The above offer is for SYWR points but still a great offer, let us know what offer you received in the comments below. This can potentially stack with other spend offers you have on the SYW card.

Source: doctorofcredit.com

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Working with a professional real estate agent can make buying or selling a home easier. After all, they are likely to be well versed in the ins and outs of your area, how to best negotiate in the current market, and how to access any other resources (say, a home inspector) that you may need.

Working with a professional real estate agent can make buying or selling a home easier. After all, they are likely to be well versed in the ins and outs of your area, how to best negotiate in the current market, and how to access any other resources (say, a home inspector) that you may need.

While there may be some agents you hit it off with personally, this isn’t a friendship you’re pursuing but an important business relationship. It’s a collaboration that could impact both your finances and your stress level.

No matter which side of a real estate transaction you’re on (buying or selling), it can be wise to have the right professional in your corner. Eighty-nine percent of homes sold in the U.S. involve an agent or a Realtor®, according to a 2023 report. (Realtors are agents who belong to the National Association of Realtors, or NAR.)

If you’re on the hunt for an agent, it’s important to know what to ask to identify the right match. Read on to learn questions to ask, whether you’re buying or selling a property — or doing both at once. (This is a lengthy list of interview questions for real estate, so pick and choose the questions that resonate the most.)

Table of Contents

Key Points

•   Interviewing realtors requires asking targeted questions to assess their suitability for your real estate needs.

•   Experience, local market knowledge, and client load are critical factors to inquire about.

•   Understanding a realtor’s team structure and communication methods is essential for collaboration.

•   Specific questions about buying or selling processes help gauge a realtor’s expertise and alignment with your goals.

•   Discussing contract terms and fees upfront avoids future misunderstandings and ensures financial clarity.

How to Interview a Realtor

First, a bit about terminology: Not all real estate agents are Realtors, but for the purposes of this article, we’ll sometimes use the two terms interchangeably.

There are different options for interviewing Realtors. You could schedule an interview:

•   Over the phone

•   In person

•   Virtually via Zoom or Skype.

You might aim to interview at least three agents for comparison’s sake, though you may choose to interview more or fewer.

Create a list of interview questions beforehand to help you stay on track, and begin researching a home loan so you will have a sense of your budget. By the time the interview process is over, you should understand:

•   What the agent’s personality and character are like: Is this person supportive and positive? Do they sound rushed and distracted?

•   What kind of services they offer and what experience they bring to the table.

•   How much you’ll pay for their help.

You’ll learn about how to do this in more depth as you read on.

Recommended: Tips When Shopping for a Mortgage

What to Ask About a Realtor’s Background

Any real estate agent you choose to work with should have the professional qualifications you’re looking for. But it’s also important to get a sense of who they are as an individual to avoid personality clashes. Here are some questions to ask as you evaluate an agent who might help you buy or sell a home.

1. How Long Have You Been a Realtor?

It helps to understand how long an agent you’re considering working with has been buying or selling homes. The median real estate experience of all Realtors is eight years, according to NAR.

Working with an agent who’s newer to the profession isn’t necessarily a bad thing. But one who’s more experienced may be more adept at handling any challenges that arise when buying or selling a home.

2. How Well Do You Know the Local Market?

A Realtor who knows a particular area and its local housing market trends can offer an advantage when buying or selling. Ideally, you should work with an agent who understands the local market and what trends drive it.

The more informed they are, the better equipped they are to do things like comparative market analysis, which can give you a sense of how home prices in the area are trending. They will also likely know details like, say, which parts of town are more prone to flooding than others.

Recommended: Local Housing Market Trends: Popular neighborhoods, home prices, and demographics

3. How Many Clients Do You Work With at One Time?

The answer can give you an idea of how much time an agent will be able to dedicate to working with you. Especially if you ask the follow-up question, “And how many clients do you currently have?”

4. Do You Work Alone or as Part of a Team?

Keep in mind that you may not be working with your Realtor alone to finalize the purchase or sale of a home. Agents may have a team of individuals they work with, including office managers, personal assistants, or marketing directors, who may reach out to you during the process.

Asking who else you may be connected with can help you avoid surprises if you decide to enter into a working relationship with a particular agent.

5. How Will We Communicate and How Often?

Being able to communicate with an agent is important to keep the process moving. Plenty of Realtors email and text to keep in touch with clients. If you’re the kind of person who prefers phone calls or in-person meetings, it’s good to identify communication styles up front and make sure they are in sync.

6. Do You Specialize in Buying or Selling?

Some real estate agents may choose to work exclusively with buyers, while others work only with sellers. And some can act as dual agents, representing both the buyer and seller in the same transaction. Dual agency is rare, and it’s illegal in several states. A dual agent can’t take sides or give advice.

The answer to this question will help you get a better idea of whether the agent is attuned to your side of a real estate transaction. Ideally, you want someone who is passionate about your deal, whether that’s finding the perfect house with a picket fence or selling the condo you’ve outgrown.

7. How Many Transactions Did You Close Last Year?

Asking this question can give you an idea of an agent’s overall success rate and the volume of transactions they handle.

The median number of residential transactions Realtors took part in per year in 2023 is 10. If you’re interviewing agents with closings well below that number, it could be a sign that they aren’t always successful in closing deals. If their number is much higher, it could mean they are super busy and you might not get as much attention as with another agent.

8. How Long Does It Normally Take You to Close a Deal?

Once the seller and the buyer of a property have signed their purchase agreement, closing on a home can take anywhere from a week (for an all-cash offer) to a couple of months (for those involving a mortgage) to close. As of mid-2024, the average closing time on a house was 43 days after an offer was accepted, reports ICE Mortgage Technology, Inc.

Asking a Realtor what their average closing time is can give you an idea of how efficiently and diligently they work to satisfy their clients.

If their average closing time is closer to four or six months, for example, that could be a red flag, though some deals do wind up being more complicated than others.

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

9. What Are the Terms of Your Contract?

Working with a Realtor means entering into a contract, and it’s important to know what that contract says. These documents may be more common when you work with a broker to sell a home, but there are also buyer’s agreements.

These ensure that if they invest the time scanning the market for you, scheduling walk-throughs, and negotiating on your behalf, you won’t then complete the deal with, say, a relative of yours who just got their real-estate license.

When you are selling a house, you’ll sign a document agreeing that the agent will handle the sale. Once you sign a contract you’re typically locked in to working with them unless they agree to release you.

The listing agreement will last for a set period, such as three or six months. From your perspective, shorter may be better so that you’re not trapped if you don’t like the agent’s services.

10. What Fees Do You Charge?

Closely connected to contracts is the topic of money. How does it change hands? What are you liable for? Historically, real estate agents worked on commission, and the fee was paid by the seller. Now, real estate commission fees are changing, and while sellers will still likely pay agents a commission, there is no guarantee that the seller will pay the buyer’s agent. If you’re buying, you’ll need to discuss a fee structure with an agent before you begin working together. It might be an hourly fee, or perhaps a flat rate. Some agents may request a percentage of the home price.

Recommended: Do You Still Need to Put a 20% Down Payment on a House?

Questions to Ask a Realtor When You Are Selling

If you’re selling your home, here are some questions to ask to help ensure that you partner with the right agent.

11. What’s Your Typical Marketing Strategy?

A real estate agent should have a clear plan for listing and marketing your home in a way that produces the greatest odds of success in selling it quickly and at your desired price point. Let the agent you are interviewing tell you about their strategy and the results it yields.

For instance, does the Realtor believe in listing at a low price in the hopes of starting a bidding war? If so, what kinds of prices has this achieved? Where will your listing be posted? Will videos be created? Will there be an open house?

These kinds of questions can help you see if you are impressed by and aligned with how a Realtor likes to market homes.

12. Will You Handle Staging and Prep Work?

If you’re selling a home, staging it could help influence buyers’ perceptions of the property and potentially net you a higher sale price.

Staging is something you can do yourself, but your Realtor may have a staging company they work with to get the job done.

Asking about staging or small cosmetic updates, such as painting, can help you figure out what you’ll be responsible for to get your home ready for the market. There’s a price tag attached to all improvements, so you’ll want to know the numbers to be better prepared.

13. How Do You Handle Viewings?

The use of digital tools such as virtual tours have made properties more accessible to more buyers. One survey by Zillow found that almost 40% of Millenials would be comfortable buying a home online vs. in person.

See if your agent plans to create a virtual tour, but you also want to be prepared for the majority of buyers who want to visit in person. Ask Realtors how many viewings they typically schedule in a day or a week, how often open houses will be scheduled, and how they’ll be marketed.

Questions to Ask a Realtor When You Are Buying

Now you’ve learned the questions to ask a Realtor when selling. How about the other side of the deal? Whether you’re shopping for a starter home or trading up, here are a couple of important questions to ask a potential real estate agent when preparing to buy a house.

14. What Happens When I’m Ready to Make an Offer?

If you’re a buyer, agents should be able to walk you through how this process works, what to do if the seller makes a counteroffer, and what you’ll need to do next if your offer is accepted. You also want to check if they have experience with successfully navigating bidding wars, which can happen in hot markets and with well-priced properties.

Also check that they can advise you on how much earnest money you might need to pay and how to find a good, affordable home inspector, as these are important aspects of the homebuying process.

15. Will You Help Me With Getting a Mortgage?

This question will shed more light on a prospective agent’s network and experience. Agents may be able to offer recommendations for mortgage lenders. They may also be willing to communicate with your lender if there are questions about the property or the offer during underwriting.

You’re not obligated to use your Realtor’s recommended lender. In fact, it’s helpful to compare mortgage loan terms and interest rates from multiple lenders to find the option that best fits your needs.

The Takeaway

Due diligence in the search for the right real estate agent may mean interviewing a few of them and not automatically going with a friend of a friend. It’s important to know how to interview a Realtor and which questions to ask, so you can pair up with the best possible professional as you navigate this major transaction.

If you’re a buyer, once you’ve found an agent, you can turn your attention to next steps: finding a home (and a home loan) that suits your needs.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

What are the benefits of using a real estate agent to buy a house?

Having an agent to survey the available properties and recommend the ones that suit your needs could certainly save you time, and agents often have local market expertise and the inside scoop on properties that might be headed to market. An agent should also be well versed in the negotiation process (especially useful in a seller’s market) and able to help coordinate the many moving parts that lead to a closing.

What should a homebuyer do before talking to a real estate agent?

It’s wise to have an idea of your budget before consulting a real estate agent. You can prequalify for a mortgage with a few lenders to get a sense of what you might be able to borrow. Also do research online about your desired town or neighborhood to get a sense of where you would like to live. And know your non-negotiables — minimum number of bedrooms, whether you prefer an old home or new construction, for example.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

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

*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

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

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

SOHL-Q324-054

Source: sofi.com

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The main difference between a soft vs. hard credit check is that each hard check can knock a few points off your credit score, whereas soft checks don’t affect your score. Both hard and soft checks pull the same financial data but for different purposes. Hard checks are typically done when you apply for a loan or credit card; soft checks are conducted for most other purposes, such as pre-screening for credit card offers.

It’s important for consumers to understand this difference because too many hard checks — also known as hard pulls and hard inquiries — can significantly lower your credit score. This in turn can hurt your chances of getting the best offers on credit cards and loans. Keep reading to learn more about credit checks and how to prevent unnecessary hard checks of your credit file.

What Is a Soft Credit Inquiry?

A soft inquiry is when a person or company accesses your credit as part of a background check. They will be able to look at:

•   The number and type of all your credit accounts

•   Credit card balances

•   Loan balances

•   Payment history for revolving credit (credit cards and home equity lines of credit)

•   Payment history for installment loans (auto loans, mortgages, student loans, and personal loans)

•   Accounts gone to collections

•   Tax liens and other public records

Soft inquiries are not used during loan or credit card applications, and do not require the consumer’s permission or involvement. Reasons for a soft check can include:

•   Employment pre-screening

•   Rental applications

•   Insurance evaluations

•   Pre-screening for financial offers by mail

•   Loan prequalification

•   Checking your own credit file

•   When you’re shopping personal loan interest rates or credit cards

Soft credit checks do not affect your credit score, no matter how often they take place. Some soft checks appear on your credit report, but not all — you may never find out they took place.

When they are listed, you might see language like “inquiries that do not affect your credit rating,” along with the name of the requester and the date of the inquiry. Only the consumer can see soft inquiries on their report; creditors cannot.

Recommended: Does Applying for Credit Cards Hurt Your Credit Score?

What Is a Hard Credit Inquiry?

A hard credit inquiry typically takes place when you apply for credit, such as loans or credit cards, and give permission for the lender or creditor to pull your credit file. As with a soft credit pull, the lender will look at the financial information listed above.

Each hard pull may lower your credit score — but typically by less than five points, according to FICO® Score. All hard inquiries appear on your credit report. While they stay there for about two years, they stop affecting your credit score after 12 months.

Not all loans require a hard credit inquiry — but consider that a red flag. Some small local lenders may offer short-term, high-interest, unsecured personal loans. Borrowers must show proof of income via a recent paycheck, but no credit check is required. The risks of these “payday loans” are so great that many states have outlawed them.

Avoiding Hard Credit Inquiries

Consumers should carefully consider if they really need new credit before applying for an account that requires a hard credit check.

For example, department stores and some chains like to entice you to apply for their store credit card by offering a generous discount on your purchase as you’re checking out. In that situation, ask yourself if it’s worth a credit score hit (albeit a small one).

Another way to minimize hard inquiries is to ask which type of credit check a company intends to run. If, for example, a cable company usually requires a hard credit inquiry to open an account, you might ask if a hard pull can be avoided. Other situations where there may be some flexibility include:

•   Rental applications

•   Leasing a car

•   New utility accounts

•   Requesting a higher credit limit on an existing account

Disputing Inaccurate Hard Inquiries

A good financial rule of thumb is to review your credit reports every year to check for common credit report errors and signs of identity theft. You can access your credit reports from the three consumer credit bureaus (Equifax, Experian, and TransUnion) for free at AnnualCreditReport.com.

To check for inaccurate hard inquiries, look for a section on your credit report with any of these labels:

•   Credit inquiries

•   Hard inquiries

•   Regular inquiries

•   Requests viewed by others

You can dispute hard inquiries and remove them from your credit reports under certain circumstances: if you didn’t apply for a new credit account, you didn’t give permission for the inquiry, or the inquiry was added by mistake.

That said, under federal law, certain organizations with a “specific, legitimate purpose” can access your credit file without written permission. They include:

•   Government agencies, usually in the context of licensing or benefits applications

•   Collection agencies

•   Insurance companies, when certain restrictions are met

•   Entities that have a court order, as in child support hearings

Even so, if you didn’t give permission for a hard credit pull, it’s worth filing a dispute to request that the credit check be removed from your report.

Consumers may dispute hard inquiries online through AnnualCreditReport.com, or by writing to the individual credit reporting agencies.

Hard Credit Checks and Your Credit Scores

As mentioned, hard inquiries appear on your credit report, and each hard pull may lower your credit score by five points or less. Here we’ll go into a bit more detail.

Why Hard Inquiries Matter

Multiple hard inquiries within a short time frame can do significant damage to your credit score. It could potentially be enough to move you from the Good credit range down to the merely Fair. Someone in a Fair credit range can pay substantially more over a lifetime in interest and fees than someone with a Good score or higher.

How Many Points Will a Hard Inquiry Cost You?

As noted above, each hard pull can lower your credit score by less than five points. One or two hard inquiries per year may not matter, especially if you’re not planning on applying for a loan.

If you’re rate shopping for a particular type of loan, such as a mortgage or auto loan, keep in mind that multiple hard credit checks within a specific period (often several weeks) for the same purpose are usually counted as one inquiry by credit scoring companies. However, this is not the case with hard pulls for credit card applications.

How Long Do Inquiries Stay On Your Credit?

Hard inquiries stay on your credit report for two years. While they’re on your credit report, they are visible to anyone who checks your credit. But their impact on your credit score typically lasts less than 12 months.

Soft inquiries may remain on your credit report for one or two years, but only you can see them.

Awarded Best Online Personal Loan by NerdWallet.
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The Takeaway

Soft credit inquiries do not affect a credit score, while hard credit inquiries may cost you a few points. In both cases, individuals or businesses pull information from your credit reports. Checking your own credit report counts as a soft pull, as do most other situations where the consumer hasn’t given written permission. Hard pulls are typically done only when you’re applying for a loan or new credit account.

Many lenders allow you to “prequalify” for a loan without running a hard credit check. This allows you to shop rates without risking any impact to your credit.

Think twice before turning to high-interest credit cards. Consider a SoFi personal loan instead. SoFi offers competitive fixed rates and same-day funding. Checking your rate takes just a minute.

SoFi’s Personal Loan was named NerdWallet’s 2024 winner for Best Personal Loan overall.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .

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

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

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

SOPL-Q324-025

Source: sofi.com

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Maybe you’ve seen Sonny Angel unboxing videos on TikTok or even have a small Mofusand collection of your own, but what do you do with these little toys? Blind boxes containing Smiski and surprise bags with Calico Critters are currently trending, and it’s no surprise (pun intended) why. These trinkets are so much fun to purchase, open, and collect, but with most collectibles, the question is, where do you put them? Do not worry; we have you covered! We’ve compiled four of the best ways to store and display your tchotchkes so they don’t take over your apartment in Toledo, OH or rental home in Santa Monica, CA.

1. Wood shelves

It might seem like a no-brainer, but shelves are a classic way to store and display collectibles for a reason. However, they don’t have to be boring! Consider opting for shelves with unique shapes for an added design element with various-sized slots for all of your different trinkets.

One of our favorite shelves comes from the female-led business Lovely Little House. Their wooden shelf display is shaped like a small house making it the perfect home for all of your trinkets. Owner Adi Ben Ze’ev had a similar one growing up where she loved to store her growing collection of miniatures she’d bought at the local pop shop. Although that exact shelf is no longer, Lovely Little House sells a similar Nordic-inspired shelf in four neutral colors – perfect for any space. Not only does this shelf have “eight compartments of varying sizes…ideal for showcasing minis like Calico Critters, LOL dolls, Sonny Angels, or Maileg mice,” but it also adds a “soft, whimsical touch while keeping your beloved collectibles beautifully organized and on display,” says Adi. 

Another whimsical option is Ikea’s Lustigt wall shelf, a favorite for several Smiski and Sonny Angel collectors. This piece comes in a light wood finish, but is easily paintable to match any room or aesthetic. What makes this shelf unique are its three small ladders which add an interactive element for your small toys, just try not to spend too much time positioning and repositioning your figures to get the best shelf display design. If your collection is too big for one shelf or continues to grow, two of these pieces side-by-side look great as well.

photo courtesy of Lovely Little House

2. Acrylic display cases

If you only have a few or very special collectibles you’d like to not only showcase, but also protect, display cases are the perfect solution.

It’s currently American football season and a display case for your mini football helmet is the perfect addition to your Sunday watch party. Collectible Supplies offers several varieties whether you have one, two, or even four mini helmets. “The acrylic or glass cases protects your mini helmets from any dust or possible damage, allowing your collectibles to be enjoyed for years to come,” describes owner Jeff Peterson. These popular cases also “come in several different styles and wood finishes perfect for any room or aesthetic.”

Maybe you don’t have a mini football helmet, but rather a signed sneaker from a favorite athlete, or a prized action figure, or a completed LEGO set you’re extremely proud of. iDisplayit has acrylic displays perfect for whatever valued object you’d like to showcase. They use premium acrylic panels to protect your prized possession from dust and some displays even have “vinyl backgrounds…to add extra depth to your display,” notes marketing manager Gina Gould.

Another great acrylic display option is the Scobo Design’s sleek 5-tiered display case which, unlike the others, you can mount! Also made from high quality acrylic, this case also has UV-blocking acrylic and durable aluminum connectors which “offers excellent protection from dust and UV damage,” allowing you to love your treasured knick-knacks for longer, describes owner Scott Bowers. 

photo courtesy of Scobo Design

3. Mounted wall displays

We understand being on a budget, for example maybe you just signed for a new home in Asheville, NC, so we also wanted to include a DIY option! Fugitive Ink Studio’s Aaron Uglum “figured out how to make an enclosed display case for about $10 using foam board and a poster frame.” He’s made four thus far and they fit all of his collectibles perfectly! After all, what’s so great about this display is that it’s so customizable.

If you’re a card collector, the Vaulted Collection offers the best display for prized baseball cards and rare Pokemon cards alike. Their display vault air card edition is made with high-quality, high-density foam and carbon finish fiber, this display combines both protection and style. It’s also super lightweight and mountable, making it the “ultimate solution for showcasing your prized card collection,” claims community support member Laura Guerrero.

Another open and mountable option is a classic – a wooden printers tray. Originally created to hold printing type, these trays are now a beloved way to store all kinds of little objects. They can be a little difficult to find, but try shopping second hand at a thrift store or online. You can either keep the tray as is in all its vintage glory or have another DIY moment and paint or decoupage the tray to better match your home’s aesthetic. If you’re not into collecting small treasures (yet), you can also find these pre-painted, pre-filled, and styled with valuables like seashells.

photo courtesy of Rita’s Seashell Art

4. Wood stands

Despite the size or shape of your item, Chidori Vintage owner Daniel Dittmar recommends the Japanese Kadai display method. Whether you’re displaying a doll or vase, these wooden tables or boards are perfect. They come in a variety of shapes, sizes, and “can be [in a] natural wooden shape or in the form of a table or small stand,” explains Daniel. Due to the range of options, you’re sure to find a table for whatever you want to display. Of course you can place the board anywhere, but we recommend styling on a large bookshelf or console table. 

Styling tips

Speaking of styling, whatever display method you’ve chosen, you can’t forget about lighting. “When styling shelving, a library wall, or other accessory displays, adding accent lighting will instantly elevate the look,” says Iron Roots Design interior designer Celeste McGowan. She especially loves Seed IQ Lighting’s battery operated sconces which are dimmable, rechargeable, easy to install, and light temperature adjustable. Incorporating lighting like this is a great way to highlight (pun intended, once again) your shelf of Sonny Angels, acrylic display of Funko Pop Figures, or mounted card collection display.

Darby works as a Content Marketing Coordinator on Redfin’s impressive Content Marketing team. Her experience includes media advertising, graphic design, and a B.A. in business leadership with a concentration in marketing and communication studies. She currently resides in Seattle, WA, and can be found crafting with her friends and sipping on a chai latte at Gasworks Park. Her dream home is either a cream cottage in Madrona, WA, or a brownstone in the West Village.

Source: rent.com

Apache is functioning normally

Perhaps the idea of home ownership sounds appealing, but the thought of all the maintenance involved — inside and out — doesn’t sound so great. Dealing with snow removal or tending to your lawn might be the last thing you want to add to your already full plate.

If that resonates, buying a home that has a homeowners association, or HOA, might be the right move. Whether you’re shopping for a condo or a 3-bedroom house in a new development, an HOA could be a valuable thing. These organizations, funded by dues, take care of many of those maintenance responsibilities, run shared facilities (like a pool), and create guidelines (and enforce them) for the community of homeowners.

That said, interacting with an HOA and following its guidelines may not be for everyone. Read on to learn:

•   What is an HOA, or homeowners association

•   How do HOAs work

•   How much are HOA dues

•   What are the pros and cons of HOAs

•   How will HOA fees impact your costs as a homeowner

What Is an HOA (Homeowners Association)?

An HOA is typically a non-profit volunteer group that manages aspects of homeownership in certain planned unit developments (PUDs), condos, and other housing communities. The HOA collects fees from each member of the community and uses them to handle maintenance duties and amenities. These may include:

•   Landscaping and maintenance of walkways and the like

•   Pest control

•   Maintenance and utilities of shared spaces, such as lounges and pool areas

•   Garbage pickup

•   Parking

•   Security

Another answer to “What is an HOA?” should mention that these associations typically make enforceable rules about the look and feel of the community. There may be guidelines about, say, the size of pets one may own, or the color schemes permissible for a townhome’s exterior. The existence of an HOA will be an important consideration when you are shopping for a place to live and HOA fees need to be built into a homebuyer’s financial plan, just like home loan payments.

Recommended: Condo vs. Townhouse: 9 Major Differences

How Does an HOA Work?

HOAs can be staffed in different ways. They can be run by people owning property within its boundaries, run by a board of directors, or through a similar arrangement, with board designees elected to oversee and enforce HOA rules.

Many HOAs are incorporated, which makes them subject to the laws of the state and may require them to file annual reports with the corporation commission, in order to remain in good standing.

People who purchase properties within an HOA jurisdiction become members of that organization, and they must abide by the rules contained within that organization’s bylaws and Declaration of Covenants, Conditions, and Restrictions (CC&Rs).

HOA rules, fees and restrictions vary. Some bylaws and CC&Rs are strict, while others are looser, typically focusing on how residents must keep properties maintained according to stated specifications. In a planned unit subdivision of single-family homes, for example, rules may include what types of landscaping are permitted, or exterior colors of paint, what kinds of fencing is allowed, and more.

They can include usage rules for common property, such as a pool, and typically outline penalties for rule violations, ranging from forcing a homeowner to comply to fees and, sometimes, litigation.

How Common Are HOAs?

Here are some recent statistics that will help you get an idea of how common HOAs currently are in the U.S.:

•   Approximately 75.5 million Americans live in HOAs, cooperatives, or condominium units.

•   30% of all U.S. homeowners live in HOA communities.

•   28.2 million housing units in America are part of HOA communities.

As you see, HOAs are quite popular.

What Is an HOA Fee?

Now that you know a bit about what is a homeowners association, let’s look at those fees they charge. People who buy property in an HOA-governed condo or community usually must pay dues — also known as HOA fees — typically due monthly. These fees help to maintain common areas of buildings, such as lobbies and patios, and perhaps community clubhouses. These fees can cover maintenance on elevators or swimming pools, if applicable, or could be used for landscaping expenses, and so forth. Additional special assessments may be charged for major repairs, such as roof repairs.

Some studies suggest that average HOA fees range from $200 to $400 per month, although they can be as low as $50 and as high as $2,500 or more. It depends on the HOA complex, where it is, what amenities the project maintains, and sometimes on how the individual HOA is managed.

What’s most important when shopping for a new home is that you are clear about what fees would be assessed on your individual unit and whether that fits your budget.

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

When Considering an HOA Property

When considering whether or not to buy a property within a homeowners association, it makes sense to understand what you’d be committing to if you bought this property.

To get an understanding of how the organization operates, you can ask the board of directors if you could read minutes from meetings — if you have a real estate agent, they should be able to help you access records. This may give you a good overview of any challenges the organization is facing, and insights into how solutions are brainstormed and implemented.

Questions to investigate can include:

•   What are the HOA fees each month? What do they cover?

•   If the fees seem low, does it appear as though enough funds are collected to maintain general areas? What about meeting rooms, the gym, pool area, and so forth?

•   If the HOA fees are higher than expected, do they seem excessive for what you’d get in return?

•   Are homeowners also being charged special assessments to cover other costs? If so, how often and what are they?

•   How many units are not paying their HOA fees? What are the consequences for that? Are penalties being imposed?

•   If certain units don’t pay their HOA fees, can these unpaid costs be imposed upon other owners to make up the difference?

•   If desired, will you be allowed to sublet your unit? Over what term and with what restrictions?

•   Are you allowed to have a pet? If so, what restrictions exist? Ask to read a copy of the CC&Rs which is recorded public information.

•   Does pending litigation exist against the HOA? If so, of what type? Does it involve, say, damage to one unit, or does it affect the entire organization?

If you have friends or family members who are part of this HOA, consider asking them what they like about living there, and what they don’t. If you have a friend or family member who owns housing under a different HOA, chat with them as well. Their insights can be valuable in regards to what questions to ask and issues to explore before buying.

You can also review the bylaws, which usually share voting rights of members, budget and assessment rules, meeting requirements, and so forth. Check to see what actions can be taken without a member vote — if they include raising assessments or creating rules, this could have an impact on your buying decision.

Recommended: Mortgage Servicing: Everything You Need to Know

Pros vs Cons of HOAs

There are several benefits of buying a property that’s part of an HOA. Consider these upsides:

•   Guidelines to help maintain the look of the community, settle issues, and create harmony among residents.

•   Enhanced quality of life and property values.

•   Maintenance services so homeowners don’t need to do the work themselves or hire freelance help.

That said, there are also possible drawbacks to being part of an HOA. These can include:

•   The cost of the HOAs fees can be prohibitively expensive, and the possibility of assessments can be financially challenging.

•   Potentially restrictive guidelines that inhibit your freedom over your property (that is, you may not be allowed to have a certain kind of pet or put in solar panels).

•   Those who run the HOA may be volunteers vs. skilled real estate professionals, which could lead to inefficiencies.

Can You Afford to Buy into an HOA?

When shopping for a new home or condo, one key consideration is how much you can afford for a house — with the true cost being more than just principal, interest, and homeowners insurance. If you are considering properties that have HOA charges, it’s vital to factor those in to make sure your budget is manageable.

You’ll need a down payment on the home. There are also property taxes, insurance, closing costs (which can run from 3% to 5% of the home’s cost, paid by the buyer and/or seller according to the contract). And there are expenses other than closing costs such as moving expenses, furniture costs, and more that should be considered as you grapple with how much you can afford.

Plus, you might want to have an emergency fund established for unexpected expenses, whether unanticipated housing repairs, or medical expenses, or something else entirely.

To help you figure out that affordable house payment number, you could check out our mortgage calculator.

Recommended: What Credit Score Is Needed to Buy a House?

What to Know About Mortgages and HOAs

There’s one more wrinkle to the topic of what is a homeowners association and should you buy into one: the impact it may have on securing your mortgage.

When you buy a property that is part of an HOA, you may need additional documentation for your lender. If your bid is accepted, the lender will likely request a homeowners association certification, called an HOA cert for short. This document provides your lender with a snapshot of how the HOA is being run, and may provide information such as:

•   How old the project is

•   Whether a condominium development was converted from an apartment building or specifically built as condo units

•   How many units exist in the project

•   How many units are occupied

•   How many occupied units are owner occupied and how many are rented to someone else

•   How much HOA fees are

•   The amount of insurance on the project

If this information is requested, it will likely be reviewed to confirm that this property meets the lender’s loan eligibility guidelines. Because guidelines can vary from lender to lender and loan program to loan program, it makes sense to check with your lender of choice as soon as possible to determine if this financial institution considers your condo to be eligible for financing.

The HOA cert may also be obtained by the escrow/title company and provided to your lender, along with the relevant CC&Rs. This provides insight into any property restrictions and other aspects that may affect a home’s lendability and marketability.

Recommended: Home Loan vs. Mortgage: What You Should Know

The Takeaway

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

Why do HOAs exist?

Homeowners associations exist to manage and maintain common areas, to enforce community rules, and to collect and manage the finances used for community upkeep. Many people who participate in HOAs expect the association to help enhance their property values.

How much are HOA fees?

HOA fees vary widely based on the amenities offered by the development but most people can expect to pay at least $200 to $300 per month.

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SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

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

*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

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

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

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Source: sofi.com