Montana is a state known for its wide-open spaces, breathtaking natural beauty, and a rugged, independent way of life. But like any state, living in Montana comes with both benefits and challenges. This article dives into the pros and cons of living in Montana to help you decide if it’s the right place for you.
Is Montana a good place to live?
Life in Montana is defined by its striking landscapes, from the towering Rocky Mountains in the west to the rolling prairies in the east. The largest city, Billings, offers a small but growing urban center with a mix of retail, entertainment, and industry jobs. Other notable cities like Missoula and Bozeman are hubs for adventure and home to top-tier universities, including the University of Montana and Montana State University. While urban areas are expanding, much of Montana retains a rural, frontier atmosphere, where people value space, privacy, and self-sufficiency.
Montana state overview
Population
1,084,225
Biggest cities in Montana
Billings, Missoula, Great Falls
Average rent in Billings
$1,425
Average rent in Missoula
$1,295
Average rent in Great Falls
$1,525
1. Pro: An outdoor paradise
Montana is an outdoor lover’s dream, providing access to some of the most stunning landscapes in the country. With two major national parks, Glacier and Yellowstone, plus countless state parks and wilderness areas, there’s no shortage of adventure. Whether you’re into hiking, fishing, skiing, or simply soaking in the views, you’ll find an outdoor activity for every season.
Insider scoop: For a true local experience, visit the hidden gem of Hyalite Canyon near Bozeman. It’s a favorite spot for locals, offering hiking trails, waterfalls, and ice climbing in the winter—without the crowds you’ll find in the national parks.
2. Con: Long, harsh winters
Montana winters can be brutal, especially in the northern and mountainous regions where temperatures can plummet well below freezing. Heavy snowfall and icy roads can make daily life challenging, and cabin fever is a real concern during the months of subzero temperatures. For those not accustomed to cold weather, the winter season can be a major downside. Cities like Great Falls and Helena regularly see snowfall starting as early as October and lasting through April.
Insider scoop: Embracing the winter is key—head to Bridger Bowl near Bozeman for some of the best skiing in the state, or check out Missoula’s winter markets for fresh produce and handmade goods that bring a bit of warmth to the coldest months.
3. Pro: No sales tax
Montana is one of the few states in the U.S. with no statewide sales tax, making it a good place for those who want to stretch their money further. Whether you’re buying a new car, furniture, or groceries, you’ll save a bit more on each purchase compared to states with high sales taxes.
4. Con: Limited public transportation
Montana’s sprawling geography and low population density mean that public transportation options are limited. Most residents need to rely on their own vehicles to get around, even within cities. Rural areas are especially challenging for those without a car, as bus and train routes are virtually non-existent outside of the larger urban centers. Ride-sharing options like Uber and Lyft are also less common, making transportation a potential headache for those without a reliable vehicle.
5. Pro: Low population density
Montana is one of the least densely populated states in the U.S., with only about 1.08 million residents spread over its vast landscape. This means plenty of room to breathe, privacy, and fewer crowded public spaces. The low population density is perfect for those who value solitude or are looking to escape the hustle and bustle of larger cities. Even in towns like Billings or Missoula, you won’t feel overwhelmed by crowds.
6. Con: Expensive housing in certain areas
While Montana is often associated with affordable living, certain cities, particularly Bozeman and Missoula, have seen a surge in housing prices in recent years. Driven by an influx of new residents, these cities now have a housing market that rivals much larger metro areas. The average rent for a one-bedroom apartment in Great Falls is around $1,525, while Billings averages $1,425. For long-time residents, this increase in housing costs is a notable con.
Insider scoop: If you’re looking for a more affordable option, consider cities like Helena, where rental rates are lower, averaging around $1,125 for a one-bedroom apartment.
7. Pro: Growing job market in certain sectors
While Montana has traditionally relied on agriculture, mining, and tourism, the state’s job market is expanding in sectors like tech, healthcare, and education. Cities like Bozeman have become tech hubs, attracting startups and remote workers looking for a better quality of life. The healthcare industry is also thriving, with hospitals and medical centers in cities like Billings and Missoula offering numerous job opportunities.
8. Con: Potential risk of wildlife
Living in Montana means sharing the landscape with a variety of wildlife, from deer and elk to bears and mountain lions. While these animals add to the state’s natural charm, they can also pose risks, especially if you live in rural or mountainous areas. Bears are particularly common near Glacier and Yellowstone National Parks, and it’s not unusual to see warnings about wildlife encounters on hiking trails. Keeping bear spray handy and securing garbage bins are common practices in many parts of the state.
Travel tip: Always make noise when hiking in bear country to avoid startling wildlife, and store food securely when camping to keep critters at bay.
9. Pro: Slower, laid-back lifestyle
Montana offers a slower pace of life that’s hard to find elsewhere. The state’s rural charm, wide-open spaces, and small-town atmosphere make it perfect for those looking to escape the stress of city living. Even in the larger cities like Billings or Great Falls, the pace is far more relaxed compared to the hustle of metropolitan areas. People in Montana tend to value a work-life balance and outdoor recreation, making it an ideal place for those looking to unwind and live a simpler life.
10. Con: Montana is windy
Montana is known for its windy conditions, especially in the eastern plains and mountainous areas. The state’s wide-open spaces and high-altitude landscapes create an ideal environment for strong winds, particularly during the winter and spring months. In cities like Great Falls, Helena, and Livingston, it’s not uncommon to experience wind gusts exceeding 50 mph, which can make outdoor activities less enjoyable and even hazardous. The wind can also lead to increased heating costs in the colder months, as it amplifies the chill factor.
PS LAX — originally called The Private Suite at LAX before the name was shortened in January 2020 — is a reservation-only passenger terminal that can be accessed before or after your flight. The lounge, which opened in May 2017, offers a luxurious experience, including chef-prepared food; a spa; 12 private suites; private TSA, customs and immigration; and a BMW that drives you directly to your plane. PS has locations in Los Angeles and Atlanta, with plans to expand to Dallas-Fort Worth and Miami.
PS LAX gave me free access to a private suite in the lounge, which would have otherwise run over $5,000. I stopped by before a trip where I was flying to Amsterdam for a few nights before a safari in Tanzania.
My take: The lounge is expensive — beginning at $1,095 per person to access The Salon (a communal area separate from the private suites) and $4,850 for up to four people to access the private suite — but it’s a remarkable experience for those who can afford it. Unlike with other lounges, there’s no easy way to get access through a premium credit card, although the lounge does offer complimentary annual membership to people with the AmEx Centurion Black Card, an invitation-only card for the wealthy (terms apply).
Getting to PS LAX
PS LAX is in its own private terminal, located at 6875 W. Imperial Highway, Los Angeles, CA 90045. There are a few options for getting to PS LAX:
Arranging for transport through PS LAX
You can book transit to LAX directly through PS LAX, with pricing dependent on the type of car you book and where you live. For a car from Hollywood Hills West in Los Angeles, I was quoted the following rates:
$173.07 for a sedan for up to three passengers.
$255.36 for a Mercedes-Benz S-Class for up to three passengers or an SUV for up to six passengers.
Uber, Lyft or other rideshare
You can also arrange an Uber, Lyft or other rideshare to take you to PS LAX. I decided to take a Lyft Black, which came out to $83.49. One thing to keep in mind is that if you use a rideshare, the driver may not know exactly where the PS LAX terminal is, so you may want to order your rideshare car five or 10 minutes earlier than you might otherwise as a buffer.
Driving your own car
You can drive to PS LAX, but note that you may need to pay for parking depending on your membership status and how many days you stay and whether you’re accessing the suite or The Salon (more on that below). Here’s the pricing for valet parking at PS LAX:
All Access membership. 30 nights complimentary for the suite, two nights complimentary for The Salon.
The Salon membership. Two nights complimentary for The Salon.
No membership. $90 per night.
One perk to parking your car at PS LAX is that it will be cleaned for you. That service comes at an additional cost if you do not have an annual membership.
PS LAX amenities
PS LAX offers guests several amenities, including:
Spa services, including a table massage or a chair massage.
Private, line-free Transportation Security Administration screening and customs before departure (including a beverage area after you go through screening where you can fill up your water bottle or pick up complimentary drinks to take on the flight with you).
Customs and immigration services upon arrival.
Chef-prepared food.
12 private suites, including a double suite and a suite that has a private outdoor area.
An outdoor garden area that includes top-shelf food and drinks, as well as games, water features and shaded areas.
BMW car service that takes you directly to the aircraft door.
Instant luggage delivery on arrival.
Each suite has its own bathroom (including amenities like toothbrushes, razors and other toiletries that you can take with you), a pantry with food, a minibar, a two-person daybed and views of aircraft taking off and landing.
There are so many amenities at PS LAX that you’d be hard-pressed to use them all before your flight.
Dining experience
Dining at PS LAX feels like you’re at a restaurant, with a menu and chef-prepared food. While the exact food offerings may differ depending on when you fly, below is a sample of the food offered on the menu during my visit. (Note that breakfast is available from 5 a.m. to 11 a.m., with all other food served from 11 a.m. to 11:30 p.m.)
Seasonal fruit plate.
Breakfast grain bowl.
French omelet.
PS breakfast sandwich.
Eggs any style.
Chilaquiles.
Vegan tacos.
Avocado toast.
Charcuterie and cheese.
Margherita and seasonal flatbread.
Sandwiches
PS burger.
Maitake mushroom sandwich.
Southeast Asian fried chicken sandwich.
PS turkey sandwich.
Hanger steak.
Blackened seasoned Scottish salmon.
Pan-seared scallops.
Spinach sorpresine.
Pasta primavera alla chitarra.
Strawberry mousse.
Sticky toffee pudding.
Chocolate torte.
Note that the menu does not have pricing on it, but you will need to pay for food if you order off the menu.
Bar
PS LAX includes a bar called The Salon, and you have the option to purchase access only to The Salon (meaning you won’t have a private suite).
The bar is chic with plenty of top-shelf liquor, wine, beer and cocktail options. There are also non-alcoholic beverages, including non-alcoholic wine, zero-proof cocktails, soft drinks and Icelandic still or sparkling water.
The spa at PS LAX
A major perk of PS LAX is that it includes a spa, which can really help to reduce pre- and post-travel stress. All Access and The Salon members in a private suite receive a complimentary spa service, and other visitors can purchase spa services at the following rates:
$120 for a manicure.
$150 for a table or chair massage.
$100 for a haircut or barber service.
Personalized touches
Something that made the PS LAX special was the personalized touches from the staff. I visited PS LAX on my way to Amsterdam and Tanzania for a safari, a trip that I planned for my birthday.
I was surprised when I walked into my private suite to find that the staff had included stroopwafel and other Dutch treats, flags from the Netherlands and Tanzania, a Lonely Planet guide to Tanzania, a PS LAX hat and a birthday present and card that included Kiehl’s products and a travel amenity kit.
How to access PS LAX
Memberships
Access to PS LAX and pricing depend on whether you’re a member and whether you want to access a private suite or have your visit include only The Salon. Below is an overview of PS LAX memberships and benefits:
Reservations
You’ll need to make a reservation to visit PS LAX, and access is on a space-available basis, with All Access members receiving priority access for the private suite and The Salon and The Salon members receiving priority access for The Salon.
If you have no membership, you’ll be put on a waitlist and receive notice generally 48 hours before your flight.
The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. See Lexington Law’s editorial disclosure for more information.
Many Americans don’t closely track their finances or know what their current credit score is. Being financially literate, especially when it comes to credit usage, can make it much easier to manage your finances and, over time, improve your situation. The good news is that numerous personal finance tools are available today to make things easier than ever.
Keep reading to learn more about the top four personal finance tools you should start using today.
What are financial tools?
Financial tools are apps or services that help you track and manage your financial transactions. These tools can help you stay within your spending limits, meet your financial goals and make informed financial decisions.
Today, you can access many of these tools online through a secure platform or app. For many, these tools are an essential part of financial management. They help simplify the financial tracking process and make it easier to understand your current financial status.
Top 4 types of personal finance tools available
1. Budgeting tools
Financial freedom doesn’t just happen overnight. It takes careful planning and continuous tracking of where you spend every dollar. This is why maintaining a personal budget is so important. Keeping a budget can ensure you’re saving enough to meet your future needs, preventing you from spending more money than you earn and helping you create an emergency fund.
Fortunately, you no longer need to rely on pen and paper to keep a budget and track your spending. Instead, there are a number of online tools you can use to quickly track where you spend every dime. While Mint has been a popular budgeting tool for many consumers, it’s ceasing operations as of January 1, 2024. Whether you’re looking for a Mint replacement or your first budgeting app, here’s a look at the top options available.
You Need A Budget: Commonly referred to as YNAB, this tool uses the zero-based budget system to track every dollar you earn and spend. The easy-to-use finance tool lets you link all your accounts, including bank accounts, credit cards and loan payments, to help you get a clear view of your financial status.
Goodbudget: This online tool uses the popular envelope budgeting system to ensure you’re tracking every dollar you spend. While you can’t link your bank account to Goodbudget, you can import data from your bank to keep everything up to date. The app shows you how much money you have left to spend in each category.
PocketGuard: PocketGuard is a simplified budgeting tool that links to your bank accounts, credit accounts and loans. It automatically tracks your bills to let you know how much you have left to spend. While it doesn’t have all the special features you might find with other budgeting apps, it’s a good choice for those who prefer a straightforward approach to budget tracking.
HoneyDue: This online budgeting tool is ideal for couples who want to sync their accounts. It lets users customize their own settings for what information they want to share with each other and how to split expenses. HoneyDue also offers special features such as bill reminders and goal setting.
2. Online banking tools
Nearly all banks, credit unions and credit card companies offer online services. Chances are, you already use these online tools to track your account balance, deposits and charges. While using these tools for basic services is a good first step, these apps offer so much more. Here’s a look at several other online services most financial institutions offer.
Online bill payment: Most banks and credit unions let you use their online platform to pay bills. This great feature allows you to instantly make payments online so you can avoid late payment fees.
Mobile check deposit: Fortunately, you don’t have to run to the bank every time you want to deposit a check. You can deposit it directly through your mobile device. In many cases, you can see funds from these deposits in your account almost immediately or the next day.
Transfer funds: When that work bonus hits your bank account, you don’t have to risk spending more of it than you planned. Instead, use your online banking platform to transfer the funds from your checking to your savings account instantly.
Credit score: Some banks and credit unions provide their customers with a look at their credit score. This feature can help you track your score over time.
3. Investment tools
According to the latest Gallup poll, 61 percent of adults in the United States own some type of stock. For many, their stock ownership is limited to their 401(k), but your investment options don’t have to stop there. Many online tools are ideal for beginner and long-time investors.
Best of all, you don’t need a lot of money to invest. In fact, you can get started with your spare change. If you’re ready to start building your investment portfolio, check out these online investment tools.
Acorns: Acorns is a good option for those just starting to invest. There are no minimum deposit requirements when you sign up for its Round-Ups program. This program rounds up every transaction you make to the nearest whole dollar. It then uses these funds to automatically invest your money and build your portfolio.
RobinHood: RobinHood is a popular investment app for those who want to take charge of their own investment options. There are no minimum balance requirements or commission fees, which is great for those looking for a low-cost way to start investing in the stock market. RobinHood even lets users buy cryptocurrency.
Fidelity: If you’re looking for an online tool that offers a hands-off approach to investment while also helping you better understand the stock market, Fidelity may be the right option for you. The combination of its robo-advisor services and online resources and tools make it easy to build a customized investment strategy.
Betterment: Through the Betterment app, you can start investing with as little as $10. This app lets you set your financial goals, risk level and starting amount. With these details, it automatically creates an investment plan to help you reach your goals.
4. Credit-related tools
Many people fail to understand the full impact their credit score has on their overall financial health. For instance, you may already know that your credit report and credit score can impact your ability to secure a credit card or obtain a car or home loan. But did you also know your credit score can determine your ability to rent an apartment, land a job or set up utilities in your name without a deposit?
It’s crucial you stay up to date on your credit score and credit report. First, tracking your credit can alert you to drops in your score and give you time to take steps to address any issues. Second, understanding issues on your credit report lets you create a strategy for repairing or rebuilding your credit.
Finally, regularly examining your credit report can help you quickly identify any errors that are wrongfully hurting your credit and take steps to fix them. It can also help you guard against identity theft.
You’re entitled to request one free copy of your credit report each year from each of the three major credit bureaus—Experian, TransUnion and Equifax. But you don’t have to wait until the end of the year to track your credit. Instead, you can use Lexington Law’s free credit assessment and other paid services to get updated information related to your credit. Using a combination of these tools can help you get a better handle on your financial status and set up a strategy to improve your credit.
Note: Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.
Missouri may be known for big cities like St. Louis and Kansas City and BBQ cuisine, but it’s also known for its scenic landscapes. From the lush plains region to blue lakes and the famous Ozark Mountains, Missouri has plenty of towns that capture the spirit of the great outdoors. So, if you’re looking for a mountain town to call home, look no further than Missouri.
At Rent., we’ve collected a list of the best mountain towns in Missouri to live in this year. Each town has its own unique character and community feel mixed with peaceful surroundings and outdoor adventure. Read on to discover which areas made the list.
1. Branson
Mountain range: Ozark Mountains
Average rent price: $1,157
Population: 11,540
Houses for rent in Branson, MO
Apartments for rent in Branson, MO
Homes for sale in Branson, MO
The first mountain town on our list is Branson, a popular travel destination in the heart of the Ozark Mountains. Branson offers a unique blend of entertainment and outdoor adventure. The town has a vibrant theater scene with spots like Dolly Parton’s Stampede, the Hughes Brothers Theatre, The Dutton Family Theater, and Clay Cooper Theatre, among many others. You can check out all the museums, theatres, and landmarks in the Branson Theatre District.
If you’re looking to get outdoors, Branson is surrounded by several parks and lakes, providing ample opportunities for fishing, hiking, and boating. Some areas to explore include Table Rock State Park, the Branson Scenic Overlook, Ozark Mountain State Park, White River Balds Natural Area, and Talking Rocks Cavern. Branson’s proximity to the mountains allows for easy access to scenic trails and outdoor activities, making it a great city for those who love nature and entertainment.
2. Camdenton
Mountain range: Ozark Mountains
Average rent price: $1,925
Population: 3,750
Houses for rent in Camdenton, MO
Apartments for rent in Camdenton, MO
Homes for sale in Camdenton, MO
Camdenton lies within the scenic Ozark Mountains, offering residents a peaceful place to call home. There are plenty of outdoor activities to explore in the area such as Bridal Cave & Thunder Mountain Park and Ha Ha Tonka State Park, which features the Ha Ha Tonka Spring Trail and Ha Ha Tonka Castle Ruins. Camdenton is a gateway to the Lake of the Ozarks, making it a haven for water sports enthusiasts.
With a population of under 4,000, Camdenton is also known for its close-knit community and access to outdoor adventures. In town, you can check out places like Ozarks Amphitheater, a popular concert venue, and the many local restaurants and shops. With its rich history and welcoming atmosphere, Camdenton is a great choice.
3. Cape Girardeau
Mountain range: Ozark Mountains
Average rent price: $1,106
Population: 39,530
Houses for rent in Cape Girardeau, MO
Apartments for rent in Cape Girardeau, MO
Homes for sale in Cape Girardeau, MO
Located on the banks of the Mississippi River and in the Ozark Mountains, Cape Girardeau is a city rich in history and natural beauty. With a population of nearly 40,000, it offers a mix of city and outdoor living. Cape Girardeau is home to numerous parks, historical sites, and cultural institutions like Historic Fort D, the Crisp Museum, Cape Rock Park, and The Glenn House.
Cape Girardeau’s residents enjoy a variety of recreational activities, including hiking, biking, and exploring the nearby trails. The city also serves as a gateway to the Trail of Tears State Park and the Shawnee National Forest. Finally, the vibrant downtown area boasts unique shops, restaurants, and galleries, giving residents plenty to do in Cape Girardeau.
4. Farmington
Mountain range: St. Francois Mountains
Average rent price: $667
Population: 18,210
Houses for rent in Farmington, MO
Apartments for rent in Farmington, MO
Homes for sale in Farmington, MO
Farmington is a charming town set against the backdrop of the St. Francois Mountains, offering plenty of outdoor areas to explore. Home to about 18,000 people, residents enjoy access to a variety of outdoor activities, including hiking in nearby state parks like St. Joe State Park, Hawn State Park, and Hickory Canyons Natural Area.
You can also learn about the region’s rich mining history at the Missouri Mines State Historic Site. Farmington’s community is vibrant, with local festivals, farmers’ markets, and cultural events throughout the year. The downtown area is also home to plenty of local restaurants, shops, and historic architecture.
5. Hollister
Mountain range: Ozark Mountains
Average rent price: $1,231
Population: 4,450
Houses for rent in Hollister, MO
Apartments for rent in Hollister, MO
Homes for sale in Hollister, MO
Located just south of Branson is the quaint town of Hollister. The town is surrounded by rivers, lakes, and forests, making it a perfect spot for outdoor enthusiasts. Near green spaces and trails like Lost Canyon Cave and Nature Trail, Table Rock State Park, and the Drury-Mincy Conservation Area, there is always a place to explore in the Hollister area.
Residents of Hollister enjoy the town’s proximity to Branson, with its entertainment options, while having a more laid-back atmosphere. Hollister’s historic downtown area, with its unique architecture and local businesses, adds to the town’s charm and appeal.
6. Joplin
Mountain range: Ozark Mountains
Average rent price: $1,047
Population: 50,030
Houses for rent in Joplin, MO
Apartments for rent in Joplin, MO
Homes for sale in Joplin, MO
Sixth on our list is Joplin, a historic city known for its location along Route 66. Situated in the Ozark Mountains, Joplin is close to natural areas like Shoal Creek, the George Washington Carver National Monument, Grand Falls, and the OK-KS-MO Tri-State Marker.
Joplin’s residents have easy access to numerous parks, museums, and cultural venues. The town’s rich mining history is celebrated in local museums and attractions, like the Joplin History & Mineral Museum, Route 66 Mural Park, and the Joplin Union Depot. Joplin is also known for its vibrant arts scene, with galleries, theaters, and public art installations throughout the city, which showcase the city’s history.
7. Lebanon
Mountain range: Ozark Mountains
Average rent price: $996
Population: 14,900
Houses for rent in Lebanon, MO
Apartments for rent in Lebanon, MO
Homes for sale in Lebanon, MO
Lebanon offers a blend of outdoor adventure and small-town charm, close to parks like Bennett Spring State Park, Bear Creek Conservation Area, and the Lead Mine Conservation Area. The town is known for its beautiful parks, historic landmarks, and access to outdoor activities such as fishing, hiking, and camping.
For example, you can check out places like the Route 66 Museum, the E.D. Rush Covered Bridge, and the Boswell Park Rt 66 Murals. The town hosts several annual events that bring the community together, including festivals and farmers’ markets. Lebanon combines the tranquility of mountain living with modern city life.
8. Rolla
Mountain range: Ozark Mountains
Average rent price: $813
Population: 20,180
Houses for rent in Rolla, MO
Apartments for rent in Rolla, MO
Homes for sale in Rolla, MO
Rolla is a vibrant town just outside of the Mark Twain National Forest. This forest is home to popular trails like the Bell Mountain Trail, fishing areas, and campgrounds. You can also explore nearby areas like the Little Prairie Conservation Area, Maramec Spring Park, Indian Trail Conservation Area, and Dillard Mill State Historic Site.
Rolla is home to about 20,000 residents, where you’ll find the Missouri University of Science and Technology, giving the city a bustling atmosphere. The town is also home to several parks, venues, and museums like Ozark Rivers Audubon – Nature Center, Ber Juan Park, the Ozark Actors Theatre, and the Phelps County Historical Society. If you’re looking for small-town charm alongside nature, be sure to check out Rolla.
9. Springfield
Mountain range: Ozark Mountains
Average rent price: $1,559
Population: 167,700
Houses for rent in Springfield, MO
Apartments for rent in Springfield, MO
Homes for sale in Springfield, MO
Springfield is a bustling city surrounded by the natural beauty of the Ozark Mountains. With a population of over 167,000, Springfield offers a wide range of cultural, educational, and recreational activities. The city is known for its vibrant downtown area and unique attractions like the Pythian Castle, History Museum on the Square, the Discovery Center of Springfield, Route 66 Car Museum, and the World’s Largest Fork By Mass.
Springfield’s residents enjoy a variety of outdoor activities, including exploring the numerous parks and trails in the area. Some popular areas include the Fantastic Caverns, the Bois D’Arc Conservation Area, the Rutledge-Wilson Farm Park, the Nathanael Greene/Close Memorial Park, and the Valley Water Mill Park. If you’re looking for a big city that’s close to nature, then Springfield may be for you.
10. West Plains
Mountain range: Ozark Mountains
Average rent price: $625
Population: 12,110
Houses for rent in West Plains, MO
Apartments for rent in West Plains, MO
Homes for sale in West Plains, MO
West Plains is located in the Ozark Mountains and is known for its scenic beauty, with easy access to outdoor activities such as hiking, fishing, and hunting. It’s near popular locations like the Collins Ridge Trail, Cane Bluff, and White Ranch Conservation Area.
The town hosts a variety of cultural events and festivals, reflecting its rich heritage and community spirit. You can also find plenty of local restaurants, shops, and museums like the Harlin Museum. West Plains’ residents enjoy the benefits of rural living while having access to the amenities and conveniences of a larger town.
Note, this list is not comprehensive of all the mountain towns in Missouri. Towns must have average rental data to be included on the list. Average rental data from Rent.com during September 2024. Population data is sourced from the United States Census Bureau.
FoundersCard, a membership community offering exclusive perks and discounts on travel, business expenses, entertainment and shopping, charges $595 per year for a standard membership. It’s marketed as a VIP pass for entrepreneurs and business executives. But to me, it felt less like a VIP pass and more like a coupon book that takes significant effort to use.
Although FoundersCard sounds like a credit card, it isn’t one. It’s a membership program that gives you elite status to certain airline and hotel brands and access to several discounts, plus business perks like members-only networking opportunities. Unlike the premium credit cards it competes with, you won’t earn a sign-up bonus or ongoing rewards with each purchase. And, notably, it doesn’t come with complimentary lounge access, a benefit travelers often use to justify the price of premium cards.
FoundersCard could be worthwhile for business owners wanting to take advantage of the business-specific benefits or loyalists of some of the participating airlines who spend upwards of $3,500 a year on flights. And if you can access membership for free (like I did) or at a discounted price, it might be a good deal. But at full price, it’s not a good value for most travelers.
What FoundersCard costs
FoundersCard has two membership levels:
Standard: $595 a year.
Elite: $995 per year.
It’s relatively easy to find promotions to test out the program before you pay. As of September 2024, you could receive a six-month free trial through the FoundersCard website. I received a free year of the Standard membership through my Clear membership.
Depending on how you sign up, you may have access to a different rate. For example, I was offered a renewal rate of $395 for the standard membership.
My experience
Once I filled out the application form for FoundersCard, I received an email stating that the membership board would look over my application and get back to me in one to three business days if I was approved. I received my approval email a little less than 24 hours later.
If you decide to accept a membership, you’ll need to provide your credit card information, but you won’t be charged until your trial period ends.
You can’t see the program’s full benefits until you’re approved. Once you are, you’re met with a dizzying amount of discounts, perks and elite status benefits. Here are some things you can expect:
Up to 16% off flights through United Airlines, Alaska Airlines, Virgin Atlantic, British Airways, Etihad Airways, Singapore Airlines, Qantas and Qatar Airways.
Elite status with Marriott Bonvoy (Platinum status), Hilton Honors (Gold status), IHG (Gold status), Omni (Champion status), Sonesta (Gold status), Virgin Atlantic (Silver status), Hertz, Avis and Sixt.
Discounts on select hotels.
Preferred pricing at sporting events, concerts and plays.
Discounts at select retail stores, like Adidas, Mr Porter and COS.
Preferred pricing on gym memberships through Equinox, Crunch Fitness, SoulCycle and CorePower Yoga.
Preferred pricing on electronics through Dell, Apple and Lenovo.
Discounts and credits on business services, like Amazon Web Services, Google Workspace, Stripe, Square and Hubspot.
Discounts on memberships and daily passes at select coworking spaces.
Up to 15% off select phone plans through AT&T.
Some of these benefits can be extremely valuable, especially if you have expenses that match what FoundersCard offers. Others are similar to deals you might get on $0-annual-fee credit cards.
🤓Nerdy Tip
Some of FoundersCard discounts will be automatically applied to your purchase once you click through the link on FoundersCard’s website. But you may need to provide a promo code to receive a discount, which you’ll find once you click on specific benefits.
What I like
As an avid credit card user, I was pleasantly surprised to find perks through FoundersCard that are harder to find on credit cards. Here are a couple of my favorites:
Up to 16% off United Airlines flights
United Airlines is rarely my first choice of airline, but since I live near a United hub, it’s often the best option. So that potential 16% discount on flights would be significant for me. It’s important to note, though, that you’ll only get this discount once you pay for a Standard membership. The trial period I currently have doesn’t come with this offer.
If you pay full price for the Standard membership, you’d need to spend over $3,700 on United flights each year to break even, which is more than most people will spend. But even if it doesn’t cover the entire cost of a membership, it can cover a significant chunk for travelers who often fly United.
Keep in mind the math doesn’t apply to every participating airline with a discount. The discount varies by airline, so you might have to spend even more to break even if you’re a devoted Alaska Airlines flyer (which only has a 5% discount) or British Airways flyer (which only has an up to 10% discount).
Cheaper stays at smaller hotel brands
Don’t get me wrong: I love my hotel rewards. But sometimes it’s nice to stay at a boutique hotel that isn’t connected to a large hotel chain. FoundersCard gives you deep discounts at over 500 hotels, many of them smaller chains. You can often find 20% discounts, and several hotels even waive resort fees.
Up to 15% off Hyatt stays through Hyatt Leverage
FoundersCard gives you automatic Hyatt Leverage, a program designed for small businesses that gives participants up to 15% off qualifying stays. Anyone can sign up for Hyatt Leverage, but if you (or your employees) don’t stay at least 50 nights per year, you could get removed from the program. With FoundersCard, there’s no such requirement. Because of Hyatt’s small footprint, I don’t stay at the brand often. But a 15% discount definitely makes me seek out Hyatt hotels when it’s available.
What I don’t like
Airport lounge access isn’t free
FoundersCard will get you into No1, Plaza Premium and The Club lounges for up to 20% cheaper than the general public pays. That’s not nothing. But considering the price of a membership that touts its premium travel benefits, I’d expect to sip cocktails in a free airport lounge.
Many credit cards — some with significantly lower annual fees — get you into airport lounges at no additional cost. For example, the $395-annual-fee Capital One Venture X Rewards Credit Card comes with access to Capital One lounges, Priority Pass lounges and Plaza Premium lounges. Even the United℠ Explorer Card, which has an annual fee of $0 intro for the first year, then $95, comes with two free day passes to United Clubs.
Low levels of elite status
FoundersCard offers automatic elite status for several hotels and rental car companies. This is a nice perk, but many hotel credit cards also offer an equivalent or higher level of elite status for a much lower price. For example: My $99-annual-fee IHG One Rewards Premier Credit Card gives me Platinum Elite status for IHG. FoundersCard only comes with Gold.
Lack of transparency
FoundersCard doesn’t provide any meaningful information to prospective members. Sure, it’s relatively easy to get a free trial, but it would be nice to know what you’re signing up for — before you have to provide your credit card information.
Even with my free membership, I can’t view key information that would influence my decision to renew my membership or upgrade to the Elite level. Up to 16% off United flights is a major perk. But I can’t see what the “up to” entails without paying. If I could guarantee 16% off all United flights, it would definitely influence my decision to renew my membership. But what if this rate only applies to certain routes or certain classes? The actual benefit could be much less valuable than I’d hope for.
Inconsistent entertainment discounts
FoundersCard sometimes offers event tickets at a discounted rate. While a great perk, it wouldn’t be a selling point for me.
In September 2024, I looked at tickets to a Texas Rangers baseball game, several broadway shows and a Taylor Swift concert. The Rangers tickets were roughly half the price through FoundersCard. The Broadway shows were the same price or even more than booking through Broadway.com. And Taylor Swift tickets were selling for a whopping $2,000 more than you could book on SeatGeek.
For people who can justify the cost of FoundersCard, potential savings on entertainment is a nice addition. But for the price, I’d expect more guaranteed savings on this spending.
Calculating your potential value is complicated
Unlike many premium credit cards, FoundersCard doesn’t come with statement credits to help you cover the cost of the annual fee. You could luck out and score a great deal on a hotel room or a couple of first class flights to cover the annual fee. But if not, you’ll likely need to add up small, individual savings throughout the year and hope the value outweighs the cost.
Even the $695 annual fee on The Platinum Card® from American Express is easier for me to justify (see rates and fees). The Platinum Card® from American Express comes with complimentary lounge access, which gets me into Centurion Lounges, Priority Pass lounges and Plaza Premium lounges, and it offers the same level of Hilton elite status (enrollment required). Terms apply.
On top of that, it’s easy to calculate the value of the other benefits. I recoup $640 each year with expenses I’m already going to make by taking advantage of three main statement credits:
$200 airline incidentals fee credit.
$200 Uber credit.
$240 entertainment credit.
Terms apply.
That leaves just $55 to make up throughout the year — significantly less than the $395 (or $995) I’d need to justify with FoundersCard.
Is FoundersCard worth it?
If you can find a free trial, it’s worth opening an account to try out the benefits. Business owners will probably get the most use out of the membership, but most travelers would probably be better off applying for a credit card with rewards and perks that match their lifestyle.
To view rates and fees of The Platinum Card® from American Express, see this page.
Do you want to learn how to get paid to shop? It’s possible! Many companies and apps now give you ways to get paid for shopping that you might already do. You can make extra cash by grocery shopping, buying clothes, or even just browsing stores. These opportunities range from being a personal shopper to…
Do you want to learn how to get paid to shop? It’s possible! Many companies and apps now give you ways to get paid for shopping that you might already do.
You can make extra cash by grocery shopping, buying clothes, or even just browsing stores. These opportunities range from being a personal shopper to taking surveys about products you buy. Some options let you shop for yourself, while others involve shopping for other people. It’s a fun way to earn money doing something you enjoy.
Over the years, I’ve found that there are so many ways to make money while shopping, and it’s been a great side hustle for me. From getting paid to shop for others to earning cash back on my own purchases, it’s an easy and enjoyable way to bring in extra income.
How To Get Paid To Shop
Below are the best ways to get paid to shop.
1. Personal shopper
Personal shoppers help people buy things. They pick out clothes, gifts, and other items for clients, so this can be a fun way to get paid for shopping.
To become a personal shopper, you need good taste and people skills. You should enjoy fashion and keeping up with trends.
Many personal shoppers work in person in retail stores, but you can also get paid to shop online for others. They help customers find outfits and accessories. Some work for wealthy clients, buying everything from groceries to designer clothes.
You can start by getting a job at a department store and looking for positions in personal shopping or styling. Another option is to work for yourself and you can find clients through word-of-mouth or online platforms.
When I was younger, I had a friend who was a personal shopper for a family. My friend mainly did their grocery shopping and ran errands, but would occasionally buy gifts for when the family was attending a birthday party or a wedding.
2. BestMark
I’ve done a lot of mystery shopping over the years, and it’s been a fun way to earn extra money while doing something I already enjoy. Whether it’s evaluating a store’s customer service, trying out new products, or going to a restaurant, it’s pretty easy work.
BestMark is a top mystery shopping company that’s been around since 1986.
As a BestMark shopper, you’ll visit stores, restaurants, and other businesses. You’ll act like a regular customer and evaluate your experience, and this might include checking product quality, service speed, and staff friendliness.
After your visit, you’ll fill out a detailed report online. BestMark gives you a list to help you understand what to look for during your shop.
The pay for BestMark shops varies, but you can tend to earn between $10 and $20 per task. For most assignments, you will get your meal or whatever you buy reimbursed. They usually give you a limit on what you can spend or they specifically tell you what to buy.
Recommended reading: 9 Best Mystery Shopping Companies To Work For
3. Swagbucks
Swagbucks is a popular website that pays you to shop online, and it’s free to join and easy to use.
I’ve been using Swagbucks for almost 10 years now, and I think it’s pretty easy to earn points.
To get paid to shop with Swagbucks, there are two main ways to earn points:
Earn cash back when shopping online. For example, right now you can get up to 8% cash back when shopping at Macy’s, up to 4% when shopping on Amazon, up to 10% when shopping at Best Buy, and more.
Earn points (SB) by submitting your shopping receipts. You can submit any receipt that you have from the last 14 days – both in-store and online receipts. You can then earn points. For example, you can get 50 points for any loaf of bread that you buy, 50 points for any bananas, 900 points for diapers, and more.
When you’ve collected enough SB, you can trade them for gift cards. You can pick from lots of popular stores. If you prefer cash, you can get money sent to your PayPal account instead.
I’ve redeemed over 100 gift cards from Swagbucks over the years, and I love how easy this rewards site is to use.
If you join Swagbucks through my referral link, you will receive a $10 bonus.
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Swagbucks is a site where you can earn points for answering surveys, shopping online, watching videos, using coupons, and more. You can use your points for gift cards and cash.
4. Rakuten
Rakuten is a popular way to earn cash back when you shop online. It’s free to use and super easy to get started.
I have used Rakuten for years and it’s an easy way to get cash back for the online shopping that you already do. In fact, I just used it on a hotel booking, and I received 2% back, which adds up quickly for a hotel!
You just sign up for an account on Rakuten’s website or app. Then when you want to buy something, go through Rakuten first. They’ll send you to the store’s site to shop like normal.
After you make a purchase, Rakuten adds cash back to your account. The amount varies by store, but it’s often 1% to 10% of what you spend. Some stores even pay you 20% or more during special sales.
You can get paid by check or PayPal. Rakuten sends out payments every 3 months and you need at least $5 in your account to get paid.
So, why does Rakuten give you this cash back? Rakuten makes money by getting a commission from stores when you buy stuff. They share part of that commission with you as cash back.
Please click here to sign up for Rakuten. Plus, you can get a $30 bonus when you spend $30 if you join right now (at the time of this writing; please double-check the current offer).
5. Stitch Fix stylist
Want to get paid to shop for others? Becoming a Stitch Fix stylist might be perfect for you. This job lets you work from home and help people look their best.
Stitch Fix hires stylists for women’s, men’s, and kids’ styling. They even train you, so you can start with no experience.
As a Stitch Fix stylist, you’ll pick out clothes for customers based on their likes and needs. You’ll use a computer to see what items are available and choose the best ones for each person.
6. Instacart shopper
Becoming an Instacart shopper is a way to make money grocery shopping on your own schedule.
As an Instacart shopper, you’ll pick up and deliver groceries to customers. Instacart has full-service shoppers, where you shop and deliver groceries, as well as in-store shoppers, where you only shop in-store but don’t deliver (someone else picks up the items and delivers).
To start, you need to be at least 18 years old. You’ll also need a smartphone to use the Instacart app as this app tells you what to buy at the grocery store and where to deliver it.
Instacart gives you a payment card to use at stores. You’ll get this card about a week after signing up. You use it to pay for the groceries you’re buying for customers.
Recommended reading: Instacart Shopper Review: How much do Instacart Shoppers earn?
7. Shopkick
Shopkick is a free app that lets you earn rewards for shopping. You can get points called “kicks” for different activities. These include scanning products in stores and uploading receipts.
You don’t even need to buy anything to earn kicks. Just walking into certain stores can give you points. The app works with many popular retailers like Target and CVS.
As you collect kicks, you can trade them for gift cards.
To start, just download the Shopkick app on your phone. Then link your credit or debit cards to your account, because this lets you earn kicks automatically when you shop at partner stores.
8. Ibotta
Ibotta is a free app where you can earn cash back on your everyday purchases. It works for both online and in-store shopping at many popular retailers.
To get started, download the Ibotta app on your phone. Before you shop, browse the app for “offers” at your favorite stores. You’ll see cash back deals on specific items or entire purchases.
When shopping in stores, buy the items with offers (of course, make sure these are items that you actually want to buy because the item is not free, it is simply more like getting a discount). Then, take a picture of your receipt with the app when you are done. Ibotta will match your purchases to the offers and add cash back to your account.
For online shopping, start your purchase through the Ibotta app or website. Shop as usual, and you’ll automatically earn cash back on qualifying items.
Ibotta works with many big stores like Walmart, Target, and Kroger.
Once you reach $20 in your account, you can cash out via PayPal or choose a gift card. It’s a simple way to make your shopping more rewarding.
This app is available for both Android and iOS (iPhone).
You can sign up for Ibotta here.
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Ibotta is an app where you can get cash back and earn free gift cards. Simply submit your receipts on your everyday purchases with your phone.
9. Ath Power Consulting
Ath Power Consulting is a company where you can get paid to do mystery shopping. They have a huge network of over 600,000 shoppers across North America.
Ath Power does more than 10,000 mystery shops each month. They work with many well-known brands and companies around the world.
Ath Power mystery shoppers shop in person for companies, and then share their thoughts about the products and services they try. Companies can then use this information to improve what they sell to customers.
10. IntelliShop
IntelliShop is a company that hires for mystery shopping jobs. You can sign up to become a secret shopper and get paid to visit stores.
Most tasks pay between $5 and $20. They usually take less than 15 minutes in the store, and then after your visit, you’ll need to fill out a report.
IntelliShop has jobs in stores, online, and over the phone.
As a mystery shopper for any of the mystery shopping companies on this list, please remember to keep any receipts or business cards from your visit. You’ll need these to prove you completed the task and get paid.
Recommended reading: How To Become A Mystery Shopper
11. Care.com
Care.com is a site where you can earn money by helping others with tasks like grocery shopping. You can sign up as a helper on their platform to find local gigs.
The site connects you with people who need assistance, such as parents and seniors. You might help with grocery shopping, cooking, or other errands.
As a helper on Care.com, you can set your own rates. Some helpers charge between $15 and $25 per hour. The amount that you decide you want to get paid may vary based on your experience and the tasks you do.
You may be able to find enough gigs to make this a full-time career, or you can also do this part-time in your spare time.
12. Capital One Shopping
Capital One Shopping is a free tool that can help you save money when you shop online. It’s a browser extension and mobile app that works in the background while you browse.
When you’re ready to check out, Capital One Shopping searches for coupon codes automatically and it tries to apply them to your order to get you the best deal.
The tool also compares prices across different websites. This can help you find the lowest price for items you want to buy.
You can earn rewards called Shopping Credits when you make purchases through Capital One Shopping. These credits can be redeemed for gift cards to popular stores.
While you won’t get paid directly to shop, you can save money and earn rewards. This can add up to significant savings over time and even free gift cards.
I recently received a $71 gift card for simply using the Capital One Shopping browser extension, which was super easy to get.
You can learn more at Capital One Shopping Review: Is It Worth It?
13. Fetch Rewards
Fetch Rewards is a free app that lets you earn points for shopping. You can get points by scanning any receipt or shopping online through the app.
I use Fetch Rewards for nearly all of my grocery shopping receipts. What I like about Fetch is that you don’t need to clip coupons or look for special offers. You just buy products and scan your receipts when you are done. It takes less than one minute to scan your receipt and earn points, so it is very easy.
Fetch gives you points for every receipt you upload. You can earn extra points by buying specific brands or products. The app has special offers where you can earn extra points, such as for buying a specific brand of cheese.
You can turn your points into gift cards from many stores and restaurants. Some options include Amazon, Target, and Starbucks.
You can sign up for Fetch Rewards here.
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With this app, you can scan your grocery receipts (from any grocery store or wholesale club, any time) and earn free gift cards. It is free to sign up and easy to use.
14. Uber Eats
With Uber Eats, you can make money by delivering food.
To get started, you’ll need to create an account and fill out some forms. Once approved, you can begin accepting delivery requests through the Uber app.
Uber Eats drivers can earn around $15 to $26 per hour on average. Your earnings can vary based on factors like your location, how busy it is, and the amount that you earn in tips.
You will want a reliable vehicle and a valid driver’s license, of course, for this side gig.
Recommended reading: 14 Ways To Make Money Driving
15. DoorDash
DoorDash is another way to get paid for delivering food.
DoorDash pays Dashers weekly through direct deposit. If you need money faster, DoorDash offers a Fast Pay option. This lets you cash out your earnings right away for a small fee.
Remember, you’re responsible for your own expenses like gas and car maintenance. It’s a good idea to track these costs to see how much you’re really earning.
16. Taskrabbit
Taskrabbit is an app that lets you make money by doing odd jobs for people in your area. You can pick tasks that fit your skills and schedule.
Some popular jobs on Taskrabbit include cleaning houses, assembling furniture, and running errands (such as shopping for others).
Taskrabbit gives you the flexibility to choose when and how much you work, as well as the type of work that you want to do.
17. Walmart personal shopper
You can get paid to shop as a Walmart personal shopper. This job lets you pick out items for customers who order online.
You’ve probably seen Walmart personal shoppers when you’ve been in Walmart. They work for Walmart and typically have a uniform and a very large basket where they collect items for different orders.
Walmart personal shoppers earn about $15 per hour on average.
Most personal shoppers work full-time or nearly full-time, between 32 to 40 hours a week.
As a personal shopper, you’ll walk around the store and find items customers want. You’ll need to be quick and careful to pick the right products.
Frequently Asked Questions
Getting paid to shop can be a fun way to earn extra money. There are different methods like using apps, shopping for others, and being a mystery shopper. Here are answers to common questions about how to get paid to shop.
How to get paid to go shopping?
You can get paid to shop by using cash back apps, becoming a personal shopper, or doing mystery shopping. Cash back apps give you money back on purchases. Personal shoppers buy things for busy people. Mystery shoppers check stores and fill out shopping assignments on their customer experience.
What are the top apps that pay you for shopping?
Some popular apps that pay you for shopping are:
Rakuten: Gives cash back on online purchases
Ibotta: Pays rebates on groceries and other items
Shopkick: Rewards you for scanning items in stores
Fetch Rewards: Gives points for uploading grocery receipts
These apps are free to use and can help you save money on things you already buy.
How can I earn cash by doing grocery shopping for others?
You can earn cash by grocery shopping for others through apps like Instacart or Shipt. Sign up as a shopper, get orders from customers, and deliver their groceries. You’ll get paid for each order you complete.
How much money do people usually make by delivering groceries?
The amount of money you can make by delivering groceries varies. Most shoppers make between $10 and $25 per hour, and your pay depends on factors like the number of orders you complete, the size of the orders, tips from customers, and time of day and demand.
Is being a secret shopper a good side hustle?
Secret shopping can be a good side hustle. It lets you earn money while shopping and dining out, but it’s not a full-time job. I have done a lot of mystery shopping assignments over the years.
What ways to get paid to shop on Amazon are there?
You can get paid to shop on Amazon in a few ways:
Use cash back sites like Rakuten when shopping on Amazon
Join Amazon’s Vine program to review products
Sell items on Amazon as a third-party seller
Sign up for the Amazon Associates Program to earn from product links
These methods can help you save money or earn extra cash while shopping on Amazon.
Best Ways To Get Paid To Shop – Summary
I hope you enjoyed my article on how to get paid to shop.
Getting paid to shop is a fun and easy way to make extra money while doing things you already like. I have been getting paid to shop for over 10 years now, and I have done almost everything on this list. While I’ve not earned a full-time income doing anything on this list, I have earned side income and plenty of free gift cards over the years.
You can use cash back apps or become a personal shopper to earn cash. You can make money buying groceries, clothes, or even taking surveys about your shopping habits.
Mystery shopping is another way to earn money by pretending to be a regular customer and reporting your feedback on your experience. Companies like BestMark and IntelliShop pay for this. Apps like Swagbucks and Fetch Rewards make it easy to earn by scanning receipts or shopping online.
Whether you want a side hustle or just want to save money, getting paid to shop is a fun way to make more money.
Minnesota, known as the “Land of 10,000 Lakes,” blends natural beauty and city life. If you’re considering a move to this northern state, it’s essential to weigh the pros and cons of living in Minnesota. So, is Minnesota a good place to live? Let’s explore what makes it appealing and some challenges residents face.
Is Minnesota a good place to live?
Life in Minnesota is characterized by its stunning landscapes, friendly communities, and a strong emphasis on outdoor activities. The largest cities, Minneapolis and St. Paul, also known as the Twin Cities, boast a thriving arts scene, diverse culinary options, and numerous cultural festivals throughout the year. Major employers include Target, U.S. Bancorp, and the Mayo Clinic, contributing to diverse job market.
For opportunities to explore the outdoors, Minnesota offers a wealth of activities year-round. In the summer, residents can explore the state’s 10,000 lakes, with opportunities for kayaking, fishing, and swimming. The extensive trail system in parks like the Boundary Waters and the Superior Hiking Trail attract hikers and campers from all over. Whether you’re drawn to the thriving job market, the rich arts scene, or the endless outdoor adventures, Minnesota has something for everyone.
Minnesota state overview
Population
5,706,494
Biggest cities in Minnesota
Minneapolis, Saint Paul, Rochester
Average rent in Minneapolis
$1,649
Average rent in Saint Paul
$1,311
Average rent in Rochester
$1,464
1. Pro: Abundant outdoor activities
Minnesota is a great place to explore. With its 10,000 lakes and numerous parks, you can enjoy various activities year-round. In the summer, fishing, swimming, and boating on lakes like Lake Minnetonka or Lake of the Isles are popular pastimes. As the seasons change, the state’s natural beauty transforms, offering excellent opportunities for hiking in the lush forests, biking on scenic trails, and enjoying the vibrant fall colors. When winter arrives, residents can embrace snowshoeing, ice fishing, and skiing in places like Afton Alps.
Travel tip: Don’t miss the Boundary Waters Canoe Area Wilderness. This stunning location has pristine lakes and incredible opportunities for canoeing, fishing, and camping, making it perfect for a weekend getaway.
2. Con: The winters can be harsh
While the snow-covered landscape can be beautiful, winters in Minnesota can be brutal, with temperatures often plunging below freezing and snow accumulating frequently. This extreme weather can impact daily life, making commuting a challenge and limiting outdoor activities for some. The subzero temperatures can lead to icy roads and increased heating costs, forcing residents to bundle up and invest in winter gear.
3. Pro: Minnesotans are friendly
Minnesotans are known for their friendliness and community spirit, which is evident in the many local events and gatherings throughout the year. Neighborhoods often come together for community events, farmers’ markets, and festivals that celebrate local culture and history. Volunteering is a common practice, and many residents engage in initiatives that support local charities and businesses.
Insider scoop: Attend the Minnesota State Fair in late August to early September, where you can sample iconic local foods, enjoy live music, and experience the best of Minnesota culture.
4. Con: There are plenty of potholes to avoid
One of the more frustrating aspects of living in Minnesota is the prevalence of potholes, particularly during the spring months. The state’s harsh winter weather, with its constant freeze-thaw cycles, takes a serious toll on the roads, leading to an abundance of potholes. These road hazards can make driving less enjoyable and potentially cause damage to vehicles, such as flat tires or misaligned suspensions. In some areas, it can feel like you’re constantly dodging potholes on your daily commute, which can be a significant inconvenience for residents.
5. Pro: Rich cultural scene
The Twin Cities are home to a variety of museums, theaters, and galleries, including the Walker Art Center and the Minneapolis Institute of Art. These institutions host a wide range of exhibits and performances, showcasing local and international artists. Additionally, events like the Minnesota State Fair and the Twin Cities Jazz Festival highlight the state’s rich arts and music scene, offering opportunities for residents to explore and enjoy diverse cultural experiences.
Insider scoop: Take advantage of the Minneapolis Institute of Art, which offers free admission to its extensive collection of art from around the world. This gem not only showcases local artists but also hosts rotating exhibitions.
6. Con: High income taxes
Minnesota has one of the higher tax burdens in the country, which can be a drawback for some residents. State income tax rates can reach as high as 9.85% for those in higher income brackets, and property taxes can also be notable, impacting overall affordability. While these taxes fund essential services like education, healthcare, and infrastructure, they can strain budgets.
7. Pro: Commitment to sustainability
Minnesota is known for its commitment to sustainability and environmental protection. Many cities, including Minneapolis and St. Paul, promote green living initiatives, encouraging residents to adopt eco-friendly practices such as recycling, composting, and using public transportation. The state has also invested in renewable energy sources, making significant strides toward reducing its carbon footprint. Residents often engage in community efforts to protect local ecosystems and support sustainable agriculture.
Insider scoop: If you’re looking to get involved locally, check out Minnesota’s Zero Waste Challenge or volunteer with organizations like Minnesota Water Stewards, where you can actively contribute to keeping the state’s water sources clean and promote conservation efforts in your community.
8. Con: Limited public transportation
While the Twin Cities have a light rail system and bus services, public transportation options in other areas can be limited. Many suburban and rural communities lack comprehensive transit systems, which can make owning a car necessary for getting around. This limitation may be challenging for those who rely on public transport or prefer a car-free lifestyle. As a result, residents may need to budget for a vehicle and associated costs, such as insurance and maintenance.
9. Pro: Relatively lower cost of living in the state
One of the appealing aspects of living in Minnesota is its relatively lower cost of living compared to many other states, particularly in the Midwest. While cities like Minneapolis and St. Paul have seen rising housing costs, they are still more affordable than other major metropolitan areas in the U.S. The average rental rate for a one-bedroom apartment in Minneapolis hovers around $1,400 per month, while in smaller cities like St. Cloud, it’s significantly lower, averaging around $875. This lower cost of living makes Minnesota a good place to live for those looking to stretch their budget.
10. Con: Beware of the ticks
Ticks are a common nuisance in Minnesota, especially during the warmer months from late spring through early fall. These small, parasitic insects thrive in the state’s wooded areas, grassy fields, and even along hiking trails. The risk of tick bites can be a concern, as some ticks carry diseases such as Lyme disease and anaplasmosis. While enjoying Minnesota’s beautiful landscapes, residents must remain vigilant about tick prevention, including wearing long sleeves, using insect repellent, and conducting thorough tick checks.
A typical home needs about 17 to 30 solar panels, according EnergySage, a solar and home energy product comparison marketplace
. This wide range reflects the many variables involved, such as energy use and amount of sunshine. For an average system size of 8.1kW in sunny California, you’ll need about 20 panels.
How to calculate how many solar panels you need for your house
To calculate how many panels you need, you can use this formula:
Number of panels = annual electricity use ÷ solar panel production ratio ÷ solar panel output
The following steps guide you through the formula.
1. Find your home’s annual electricity usage
Your electricity use is measured in kilowatt-hours (kWh). To determine how much electricity your home uses, look at your electric bill history, usually available online at your utility’s website. If your gas bill is combined with your electric bill, look at the portion of your bill that’s for electricity. You’ll need to add up 12 months of electric bill data; if your utility is one of a growing number that provides Green Button data from the U.S. Department of Energy, you can use that to download a spreadsheet of your bill history and quickly calculate the total kWh for a year
U.S. Department of Energy. Green Button. Accessed Oct 17, 2024.
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2. Find the production ratio for your location
Solar production ratio is the ratio of a solar panel’s estimated energy output over time to its size. The production ratio depends on your location, because some regions get more sun per day than others, increasing a solar panel’s energy output
. You can look up your state’s solar production ratio on this map created by EnergySage.
3. Determine the output of your solar panels
Your solar panel output is measured in watts. Once you have quotes from installers, they will specify the output of the proposed panels. To calculate how many panels you’ll need before you get quotes, you can use 400W, the typical output for today’s residential solar panels.
4. Calculate how many panels you need
Let’s say your home uses 10,791 kWh annually, the average in the U.S. If your production ratio is 1.5, like it is for my home in California, you’ll need 18 panels to cover all of your home’s energy usage:
10,791 ÷ 1.5 ÷ 400 = 17.99 panels
Using this formula gives you a rough, high-level estimate. Your solar installer can refine your system sizing, taking into account the factors detailed below.
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Factors that affect how many solar panels you need
The exact number of solar panels you’ll need depends on these factors:
Your current electricity use
The key factor in determining the number of panels you need is how much electricity you use. If you have enough space on your roof, you’ll likely want enough solar panels to cover all of your electricity use.
Your future electricity use
Do you expect your family to grow? Are you planning to switch to an electric car or a heat pump? Will you be adding a refrigerator, pool, or air conditioning? It’s more cost-effective to install enough solar now to cover expected future use; that can also protect your investment if solar programs in your area, such as net metering, are phased out later.
The amount of sun you get
The more sun you get, the more electricity your solar panels can generate and the fewer panels you’ll need to cover your electricity use. You can get an idea of the solar resource in your area from the National Renewable Energy Laboratory (NREL) solar irradiance map.
Panel wattage and efficiency
Today’s typical residential solar installations use 400W panels, with an average range from 350W to 450W. Panels today have an average efficiency of 21% (with some up to 23% efficient), meaning that they convert 21% to 23% of the sunlight that hits them into electricity
. Higher-watt and higher-efficiency panels produce more energy but tend to cost more than their lower-watt and lower-efficiency counterparts. If your roof space is limited, you may be limited in how many panels you can have installed. In that case, you may want to consider higher-efficiency, higher-watt panels.
Your roof
How many panels you can have installed depends in part on the size of your roof, but there’s more to it than that. You’ll also need to consider the shape of the roof, whether it has obstructions such as vents and skylights, and whether it’s subject to shading from trees or buildings.
Your roof’s orientation also affects the number of panels you need; panels will generate the most energy on a south-facing roof, followed by east- and west-facing roofs
. Of course, your roof must be in good condition to be able to support the weight of the panels. After providing an initial quote using online tools, your installer will conduct a site visit to assess the condition of your roof and determine how many panels you can fit on it. If you can’t fit enough panels on your roof to cover all your electricity needs, it may still be worth covering a portion of your electricity.
Frequently asked questions
Does my house size affect how many panels I need?
Although house size may be a factor in how many panels you need, a much more significant factor is your electricity use. You are likely to use more electricity if you have a bigger house, but that might not be the case if your family is small and your house is energy-efficient.
Can I install more solar panels than I currently need?
If you expect your electricity use to increase, it’s a good idea to size your system for those future needs. Some utility companies have restrictions on system sizes, so check with your local utility to see how large they will let you size your system.
Michigan, the Great Lakes State, is full of beautiful seasons, craft beer and of course beautiful lakes. All these aspects make Michigan a good place to live. With its diverse landscapes, ranging from scenic coastlines to bustling centers, the state provides plenty of living experiences for newcomers. However, like any place, there are pros and cons to living in Michigan that potential residents should consider.
Is Michigan a good place to live?
If you’re moving to Michigan, you’ll be surrounded by natural and urban beauty. Large cities like Detroit and Grand Rapids provide city lifestyles with thriving arts scenes, while Ann Arbor is home to one of the country’s top universities, the University of Michigan. Michigan’s economy is powered by automotive manufacturing, healthcare, and education. Outside of the cities, Michigan is known for its stunning natural beauty, with four of the Great Lakes bordering the state and countless inland lakes and forests, making it a haven for exploration.
In Michigan, you’ll find an affordable cost of living compared to coastal states, but that comes with the challenges of long, harsh winters. The state’s culture is one of innovation, with residents taking pride in their automotive history, music scene, and love for the great outdoors. Whether you’re looking to live in a dynamic city or a quiet lakeside town, Michigan is a great place to call home.
Michigan state overview
Population
10,077,331
Biggest cities in Michigan
Detroit, Grand Rapids, Warren
Average rent in Detroit
$1,680
Average rent in Grand Rapids
$1,707
Average rent in Warren
$980
1. Pro: Michigan is an affordable state to live
Michigan’s cost of living is particularly affordable when it comes to renting, making it an attractive place to live. In cities like Grand Rapids, the average rent for a one-bedroom apartment is around $1,707, which is notably lower than many metropolitan areas across the U.S. Even more affordable options can be found in smaller towns and suburban areas, where rent prices can drop significantly below $1,000. For example, cities like Kalamazoo offer budget-friendly rental markets while still providing access to urban amenities. You’ll find that a one-bedroom apartment averages about $1,088 a month. Along with affordable rent, everyday living expenses such as groceries, utilities, and healthcare are generally lower in Michigan than in high-cost regions like the East or West coasts.
2. Con: Michigan winters are intense
Michigan winters can be extremely challenging, especially in the Upper Peninsula and northern parts of the state. Heavy snowfall, icy roads, and frigid temperatures can last from November to March, making daily commuting and outdoor activities difficult. Cities like Grand Rapids and Detroit receive an average of 60-70 inches of snow each year, while areas closer to the Great Lakes experience even more due to lake-effect snow. For those not accustomed to dealing with extreme winter weather, the long, cold months can be a major drawback.
Insider scoop: Make sure your vehicle is equipped with snow tires, and consider an apartment complex that has a snow removal service to avoid being snowed in during a storm.
3. Pro: Access to the Great Lakes
One of Michigan’s biggest perks is its proximity to the Great Lakes. With over 3,200 miles of coastline, there is plenty to do and see. Residents can enjoy boating, fishing, swimming, and beachcombing during the warmer months, particularly on Lake Michigan’s western shores or the quieter beaches of Lake Huron. Towns like Traverse City and Holland attract both locals and tourists for summer getaways, while other coastal towns offer peaceful living year-round. For those who appreciate lakefront living, Michigan provides unparalleled access to some of the largest freshwater lakes in the world.
4. Con: Infrastructure is poor
While Michigan’s natural beauty is a major draw, its infrastructure is often in need of repair. Many roads and highways, particularly in urban areas like Detroit, are filled with potholes, leading to frustrating commutes and costly vehicle repairs. Though the state has invested in some improvements, there’s still much to be done in terms of road maintenance.
5. Pro: The craft beer scene is amazing
Michigan has earned a reputation as a craft beer lover’s heaven, with a thriving brewery scene that ranks among the best in the country. Home to over 400 breweries, the state offers a wide variety of locally crafted beers, from rich stouts and hoppy IPAs to innovative sours and seasonal brews. Cities like Grand Rapids, dubbed “Beer City USA,” lead the charge with renowned breweries such as Founders Brewing Co. and Brewery Vivant, while other cities like Kalamazoo and Ann Arbor are also major players in the craft beer world.
Insider scoop: For a truly unique experience, visit Bell’s Brewery in Kalamazoo, one of the oldest and most famous breweries in the state.
6. Con: High auto insurance rates
One downside to living in Michigan is the state’s notoriously high auto insurance rates. Michigan has historically had some of the highest premiums in the country, due in part to its unique no-fault insurance system. This adds an extra financial burden for drivers, particularly when combined with the state’s harsh winters and deteriorating roads, which can lead to more frequent car repairs and accidents.
7. Pro: Four beautiful seasons
Michigan offers a true taste of all four seasons, each with its own unique beauty. Spring brings blooming tulip fields in Holland, where the annual Tulip Time Festival draws visitors to see over six million tulips in bloom. Summer is filled with long, sunny days perfect for enjoying the state’s many lakes and beaches, especially along the shores of Lake Michigan in towns like South Haven and Grand Haven. Fall is arguably the most stunning, with vibrant foliage blanketing the state. Areas like the Upper Peninsula, especially Tahquamenon Falls State Park and Porcupine Mountains, are prime spots for leaf peeping. Winters are cold but perfect for snow sports, with ski resorts in places like Boyne Mountain and Crystal Mountain.
8. Con: Public transportation is sparse
Michigan’s public transportation system is limited, especially outside of its larger cities. While Detroit has the QLine streetcar and a bus network, the options are far from robust compared to major cities like Chicago. Ann Arbor, home to the University of Michigan, offers a more developed bus system (TheRide) within city limits, but for those in suburban or rural areas, reliable public transport is hard to come by.
9. Pro: Great higher education opportunities
Michigan is home to some of the best higher education institutions in the country. The University of Michigan in Ann Arbor is a top-ranked public university, known for its prestigious programs in law, medicine, and engineering. Michigan State University in East Lansing is renowned for its agriculture, business, and veterinary programs, as well as its vibrant campus life and Big Ten athletics. Additionally, Michigan offers a wide variety of smaller liberal arts colleges, like Kalamazoo College and Hope College, which provide excellent academic opportunities with a more intimate campus experience.
10. Con: Pesky mosquitos and bugs in the summer
Michigan’s natural beauty comes with a downside: pesky mosquitoes and other bugs. The state’s many lakes, wetlands, and forests create ideal breeding grounds for mosquitoes, especially in the summer months. Areas like the Upper Peninsula, known for its dense forests and outdoor recreation, can become especially bug-ridden during peak summer, making outdoor activities like camping or hiking less enjoyable without proper insect repellent.
Insider scoop: To beat the bugs, many locals swear by repellant devices, which create a protective zone against mosquitoes without the need for sprays.
A few months back, we took an in-depth look at how the luxury real estate market in Boca Raton is blooming amid the city’s unprecedented economic boom.
Known for its coastal lifestyle, upscale restaurants, and vibrant business community, Boca Raton is attracting high-net-worth individuals and companies alike, with the city’s rapid growth being highlighted by major developments like the $100 million Boca Raton Innovation Campus (BRIC) and the new Brightline train station.
Midtown Boca is also seeing a resurgence with new restaurants and office spaces, and luxury residential projects are popping up across the city, responding to the growing demand for upscale living.
And now, a newly built Boca Raton house — with a distinctly modern design — is offering a stellar new option for well-off buyers looking for trophy homes in the area.
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A contemporary Boca Raton home, newly built in 2024
Newly completed, the 5-bedroom home was envisioned by Brenner Architects and built by National Custom Homes with a British West Indies-style architecture — that draws inspiration from Caribbean homes with features like louvered shutters, steep hipped roofs, and expansive verandas.
The architectural style was likely chosen to maximize the property’s waterfront location, as the Boca Raton house enjoys 119 feet of deep water frontage on a canal.
On the market for $17.9M
Located in East Boca Raton, the home is just steps from the beach and moments away by boat to the Intracoastal. It’s currently listed for $17,900,000 by the Jonathan Postma Group, affiliated with Coldwell Banker Realty.
The specs
Sitting on a 0.30-acre waterfront lot, the contemporary home has 7,490 square feet of living space, 5 bedrooms, 5 full baths and 2 half baths, and a suite of luxurious amenities (both inside and out).
Among them is a fun clubroom (with a walk-in wine room), a gourmet chef’s kitchen, a sprawling primary suite, and a backyard made for entertainment.
Polished interiors
But it’s the home’s supremely elegant interiors that make this property stand out. The rooms, which easily from one to the next, have been luxuriously appointed with natural materials like stone, quartz, and limestone, with wood accents adding a touch of warmth throughout.
Sliding glass doors and picture windows invite the outdoors in, flooding the rooms with natural light.
Upscale amenities
Highlights include a magnificent clubroom with a spacious walk-in wine room, a gourmet chef’s kitchen with Wolf & Subzero appliances, and a luxurious second-floor primary suite.
Oversized rooms
The rooms all have generous proportions, with a special nod to the expansive primary bathroom — which looks like it could swallow a New York City apartment whole.
Smart home tech
The home is equipped with an elevator, as well as a state-of-the-art integrated smart home system and a digital security gate.
Outdoor features
The backyard is an entertainer’s paradise, featuring a pool, multiple seating areas, an outdoor shower, and a well-appointed summer kitchen that has a built-in grill, sink, and refrigerator.
See also: These 26 Miami-area mansions will make you want to move to Florida
Completing the offering
The canal-facing house also comes with a private elevator, a den/office overlooking the backyard, and a 4-car garage.
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