Mortgage servicers, regulators and economists are closely watching the delinquency rates for Federal Housing Administration (FHA) loans following a spike in the fourth quarter of 2023.
Industry experts say that although there’s a correlation between unemployment and delinquency rates, some homeownership costs — including insurance — have increased significantly over the past two or three years, which has had a strong financial impact on homeowners. But experts also say the situation is not as bad as the one experienced during the COVID-19 pandemic.
The sources spoke about these issues during this week’s Mortgage Bankers Association (MBA) Servicing Solutions Conference & Expo in Orlando.
The latest MBA data shows that the delinquency rate for one- to four-unit properties rose to 3.88% at the end of 2023, compared to 3.62% in the third quarter, but still below the historic average of 5.25%. Meanwhile, the FHA-insured loan delinquency rate recorded a larger jump during the same period to 10.81%, up from 9.5%, the highest level since Q3 2021.
“We are seeing a bit of a pickup for two quarters in a row, but it’s very important to keep in mind that we were at the absolute lowest point in delinquencies in the third quarter of 2023,” Marina Walsh, MBA vice president of industry analysis, research and economics, said in a market outlook session.
According to Walsh, the delinquency rate for FHA loans increased by 130 basis points from the third to fourth quarters, but the current level is “certainly not nearly where it was at the height of COVID-19.”
In addition, she said that foreclosures are not picking up, so borrowers are either paying off their loans before entering the severe delinquency stage, or if they are in the serious delinquency stage, they are entering a workout.
“The question I posed to all of you is, ‘Is this a blip or a bigger trend?’” Walsh said, adding that based on data MBA has received from the industry, she believes the delinquency rate could come down a bit in first-quarter 2024 following the end of the busy holiday shopping season.
“All these increases in costs impact people’s ability to pay, without question,” Steven R. Bailey, senior managing director and chief servicing officer at PennyMac Financial Services, said in an executives’ perspective session. “But we still see the strongest correlation is between unemployment and delinquency.”
Bailey said that although increases in delinquencies are not a trend that servicers want to see, “I don’t look at it with the same fear that I used to look like.”
Homeowners insurance
According to industry experts, one of the costs affecting homeowners is their insurance, which can lead to increases in delinquencies. California and Florida are among the states where the situation is more evident.
Seven of the 12 largest insurers in California have either paused or restricted new policies over the past 18 months, including State Farm and Allstate. In September, the state’s top insurance regulator announced that new rules are in the works to persuade insurers to remain.
In Florida, the departure of many insurers and reinsurers has resulted in homeowners paying an average of nearly $4,000 a year, almost three times the U.S. average, according to estimates from the Insurance Information Institute. In some instances, homeowners have seen their insurance costs more than triple, but a new bill seeks to help them.
“That’s a combination of both rates from a carrier perspective, as well as just the increase in home values,” Patrick A. Sullivan, vice president of industry relations and compliance at Assurant, said in a session about homeowners insurance.
Sullivan said reinsurance is another factor weighing on homeowners insurance costs, a function of the global capital markets. He added that reinsurance costs have more than tripled over the past three years.
“Homeowners insurance is certainly a problem we need to tackle together,” John Bell, executive director of loan guaranty service at the U.S. Department of Veteran Affairs (VA), said during a regulatory session.
“I hope that there are others on this panel and others out there that want to work together to try to solve some of those rising prices that our homeowners just can’t absorb, and at some point in time, it’s going to hurt the market.”
Bell said that if a home costs $800 per month more than last year, the industry needs to figure out how to solve it. Bell and the VA are working to move forward with options to help veterans avoid foreclosure, including a partial claim solution.
FHA Commissioner Julia Gordon, who announced the agency’s new payment supplement partial claim during the conference, added that the issue of homeowners insurance will take a village to tackle.
“And that’s going to take real work in the states also, which is hard, and we just have to do it if we want people to be protected,” Gordon said.
You may have a preconception about moving to Omaha. But once you’re in the city, it exceeds expectations and is a place you don’t want to leave.
Omahans enjoy outstanding attractions, such as the Henry Doorly Zoo and Aquarium, considered one of the top zoos in the world. With nearly 130 acres of indoor and outdoor exhibits, the zoo claims to have the world’s largest indoor desert dome and the top indoor rain forest in North America. The African Grasslands and Asian Highlands feature animals in natural settings.
The Durham Museum showcases Omaha’s history, such as its early days as a railroad center and the site of the 1898 World’s Fair, a.k.a. Trans-Mississippi Expedition. Outdoor attractions include Fontenelle Forest, with more than 15 miles of natural trails among the bluffs overlooking the Missouri River, as well as the downtown riverfront, which is home to the Bob Kerrey Pedestrian Bridge, one of the longest bridges connecting two states as Nebraska and Iowa meet in the middle of the river.
Omaha’s culinary scene rivals that of many bigger cities in the U.S. With several James Beard Foundation-nominated chefs, you’ll find restaurants featuring fresh handmade dishes from around the world. Farm-to-table dining is popular, with restaurants like The Grey Plume, Dante and Au Courant leading the way. It’s hard to taste better Italian dishes than you’ll find at Lo Sole Mio or Malara’s. South Omaha is ripe with authentic Mexican eateries.
While the city doesn’t have any major league sport, it’s an amateur sports mecca. From the College World Series in June to hosting multiple U.S. Olympics trials, including swimming and curling events, Omaha attracts hundreds of thousands of fans to the area. Omaha is also home to the Storm Chasers, the top minor league baseball team for the Kansas City Royals.
Keep on reading to see if moving to Omaha is a fit, and why you’ll love to live there and strive to keep it “America’s best-kept secret.”
Omaha overview
Omaha is home to four of Forbes Top 500 companies, led by Berkshire-Hathaway. With local billionaire Warren Buffett at the helm, Berkshire-Hathaway is among the top five companies by Forbes. Other top Forbes companies include Union Pacific (No. 141), Mutual of Omaha (337) and Kiewit Corp. (339).
While enjoying major economic success, Omaha maintains a Midwestern small-town feel, where it’s common for people to say hi as they see you on the street and hold the door for you when entering buildings.
While experiencing growth and development in neighborhoods across the city, the Omaha cost of living continues to remain strong, along with steady job growth.
Population: 478,192
Population density (People per square mile): 3,217.9
Median income: $59,266
Studio average rent: $864
One-bedroom average rent: $946
Two-bedroom average rent: $1,173
Cost of Living index: 93.4
Popular neighborhoods in Omaha
Moving to Omaha offers you a chance to explore the city’s history, culture and diversity. While west and southwest Omaha offers the feel of suburbia, Omaha’s most popular neighborhoods remain the oldest and most upscale.
From the riverfront to midtown, you’ll find a mix of older and contemporary apartments and condominiums to call home, while also enjoying easy access to culture, parks, vintage shops and a fun nightlife scene, featuring outstanding eateries and bars.
Old Market: Old Market is the heartbeat of Omaha. The nine-block area hosts one of the Midwest’s longest-running farmers markets each summer and fall. The entertainment district is family-friendly during the day, with restaurants, shops and galleries open, before becoming an adult-centric neighborhood at night, as couples dine out and then hit bars and clubs, creating a fun, party atmosphere.
Benson: One of Omaha’s oldest neighborhoods, Benson is an eclectic mix of art galleries, coffee shops, craft breweries and restaurants. Toss in vintage and unique clothing shops, and you’ve found the city’s “Hipster” area. During “First Fridays,” galleries and other businesses stay open later on the first Friday of each month, along with entertainment and even food trucks lining the streets.
Midtown: Popular with young professionals moving to Omaha, Midtown is a mix of contemporary apartments and condos with older homes. The Midtown Crossing entertainment district is home to some of the best restaurants in Omaha, as well as unique retail outlets. Midtown is the site of the Jazz on the Green festival each summer.
Dundee: Considered Omaha’s first suburb, Dundee is home to classic apartments, as well as modern outlets. With fantastic local eateries, such as Ahmad’s Persian Café, Saddle Creek Breakfast Club and J. Coco, calling the area home, it’s one of the city’s best dining areas. It’s also home to Warren Buffett, whose house in Happy Hollow borders the neighborhood.
Blackstone: Nestled between Midtown and Dundee, Blackstone is one of Omaha’s newest entertainment districts. Heavy on restaurants and bars, such as Noli’s Pizzeria and Butterfish, it also offers excellent spots to relax and enjoy a treat or coffee at Coneflower Creamery and Archetype Coffee.
The pros of moving to Omaha
Omaha offers people excellent attractions, restaurants, outdoor activities and a sports scene that makes other cities jealous. With plans to expand the riverfront, downtown Omaha will rank as one of the most beautiful and fun areas in the Midwest. Here are three reasons why you’ll enjoy moving to Omaha.
Excellent employment opportunities
With one of the lowest unemployment rates in the United States at less than 5 percent, Omaha is home to major leaders in healthcare, transportation, agriculture and insurance. Several people moving to Omaha are with companies, such as Union Pacific, Pacific Life and Aflac.
Tech companies are finding their way to Omaha, with the city earning the nickname “Silicon Prairie,” as Facebook and Google are among companies opening data centers in the area.
Enjoy the commute
Nicknamed the “15-minute City,” Omaha is easy to get around. The commute is actually about 20 minutes, as the city grows and expands its boundary westward. Regardless, the main thoroughfares, such as Dodge, Maple, Pacific and Center streets, run east-west, while the interstate system continues to add lanes to ease morning and afternoon commute issues.
The cost of living is a huge plus
With a cost of living index rating of 93.4, among the best in the United States, moving to Omaha benefits you financially. Everything tends to cost less here than in other cities of similar size, such as groceries, utilities, rent and gasoline. You can enjoy an evening out on the town without worrying about mortgaging the farm.
The cons of moving to Omaha
While Omaha enjoys economic success, the city faces challenges to keep its young professionals in the area, among other issues. Here are three areas of concern when considering moving to Omaha.
Lack of diversity
Whites make up about 66 percent of the population, while the African American community is the largest ethnic minority, accounting for about 12 percent of the city’s population. Hispanics make up about 11 percent, while Asian Americans and Native Americans account for about four percent.
While Omaha hasn’t experienced racial tensions like other cities, people have targeted minorities as a way of gaining political power, including focusing on undocumented workers or perceived high crime rates. Minority residents have protested unfair treatment by law enforcement and the court system.
Public transportation is a challenge
Omaha is a car city. Without a vehicle, you’ll be challenged to easily get around town. While Uber and Lyft are successful in Omaha, the city’s public transportation system is lacking for many residents.
With bus routes that run east-west, focusing on stops toward downtown, the Metro Transit system doesn’t run 24/7, which impacts people who prefer using public transportation. The new ORBT route runs from the Westroads Mall to downtown, but again, it’s not designed for 24/7 service.
Winter can be severe
Winters in Omaha are hit-or-miss — it may snow a lot or just a few inches. However, when it gets cold and snowy, traffic comes to a standstill. Literally. You’ll find parking lots on some of the main routes, because, as people joke, “two inches of snow shuts down the city.” Snow removal is an annual challenge, as well as the potholes that come with the winter season.
How to get started on your move to Omaha
Omaha’s attractions, culinary scene, sports community and commute are winning factors to consider when it comes to moving to Omaha. Regardless of the neighborhood you choose to call home, you’ll only be minutes from most major attractions, parks and restaurants.
To assist with your move as you pack up to head to the Big O, visit our Moving Center to get free quotes and more information about planning your move. Also check out available apartments for rent and homes for sale – you can’t move if you don’t have a place to live, after all.
Rent prices are based on a rolling weighted average from Apartment Guide and Rent.’s multifamily rental property inventory of one-bedroom apartments. Data was pulled in December 2020 and goes back for one year. We use a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.
Population and income numbers are from the U.S. Census Bureau.
Cost of living data comes from the Council for Community and Economic Research.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.
Tim is an Omaha-based freelance writer, online content creator and author who loves exploring the Midwest and beyond. In addition to writing The Walking Tourists travel blog, he has co-authored three books with his wife, Lisa: 100 Things to Do in Omaha Before You Die, Unique Eats and Eateries of Omaha, and 100 Things to Do in Nebraska Before You Die. Tim is a dad to two daughters and three cat sons. He is an avid sports fan, primarily enjoying football and hockey.
It’s no secret that 2023 was a difficult year to buy a home. With mortgage rates briefly topping 8% and home prices breaking records throughout the year, many would-be sellers simply decided not to bother listing their homes, exacerbating already tight inventories.
New data from the U.S. Census Bureau published last week shows how drastically housing inventory has changed since 2020, while weekly data from Altos Research offers some insights on where it goes from here.
Census Bureau data on housing inventory estimates details two cycles this decade – the onset of the pandemic and the rise of interest rates – that have been catastrophic for the nation’s for-sale housing inventory.
2020-2021: The shock to the system
The onset of the pandemic and government lockdowns sparked a frenzy for homes, especially those away from crowded downtowns and with ample space for home offices and homeschooling. Prospective homebuyers were armed with low interest rates, paused student loan payments and stimulus checks.
The number of owner-occupied homes skyrocketed, quickly depleting the number of vacant for-sale homes. Renters occupied fewer homes, and fewer vacant homes were reserved for them.
The number of homes “held off market” – second homes, vacation homes and others that are neither for-sale, for-rent or occupied – shrank. This could be because their owners snagged profits amid rapidly rising prices, because those who can afford second homes paused buying, or a combination of the two.
Seasonal housing, too, dropped considerably. This is likely due to the fact that seasonal housing – defined as homes intended for periodic occupancy such as for holiday resort guests or farm workers – could be profitably sold to meet soaring homebuyer demand and was not needed during the pandemic’s travel restrictions and weak travel demand.
Most of the trends begun in 2020 continued in 2021 except for renter-occupied homes, which rose above 2019 levels in the second half of the year. This was likely a reflection of the prolonged decline in vacant homes for sale, which made it difficult for would-be buyers to find a home to purchase.
Many of the same pandemic forces that set off the homebuying frenzy also fueled a frenetic pace of inflation. In 2022, the Federal Reserve began taking action to combat these market forces by raising interest rates, starting the second cycle of inventory changes.
2022-2023: The high-rate environment
Over two years, the Federal Reserve hiked rates 11 times for a total increase of 5.25 percentage points, the fastest pace of hikes in four decades. It has held rates at an effective rate of 5.33% in every meeting of the Federal Reserve Open Markets Committee since July 2023, including in their meeting last week.
Mortgage rates followed suit, walloping buyers’ purchasing power. The sudden run-up in rates discouraged would-be sellers from listing their homes, as they would be faced with much higher monthly payments for the same size home were they to sell and buy another home – if they even qualified for the same size home as they currently own.
This squeezed inventory even further throughout 2022 and 2023, pushing home prices to record highs month after month.
The high-rate environment further pushed owner occupancy up while pushing homes held off market, seasonal housing and homes vacant for sale down. That the number of owner-occupied homes rose throughout 2023 – an abysmal year for home sales – shows just how tightly recent homebuyers are holding onto their low rates.
High rates, combined with low for-sale inventories and high home prices, have also resulted in a surge in home renters. There were nearly 2 million more renter-occupied homes in the fourth quarter of 2023 than in the same quarter of 2019.
The environment has also prompted many homeowners to list their homes for rent rather than sale. The number of homes vacant for rent in the fourth quarter of 2023 was up 4% since the same quarter five years ago, while the number of homes vacant for sale was down 36%.
When inventory bounces back
The extremes of the 2020s have dealt big blows to for-sale inventories. First the 2020-2021 housing frenzy took a big bite out of existing inventories, then the 2022-2023 streak of rate hikes kept would-be sellers from replenishing those inventories.
The 2020s have also seen for-sale inventory siphoned from second homes, vacation homes and seasonal homes. Homebuilders, too, have added to for-sale inventory, pushing the total number of homes in the U.S. up 8.7% since the fourth quarter of 2018. But none of these valves have alleviated the shortage of for-sale homes or the resultant high home prices.
The majority of homes that would be up for sale are being held by owners with low mortgage rates who would rather stay put or rent than sell, a phenomenon known as the “mortgage rate lockdown.” Plus, boomers are aging in place for longer, further depleting available housing stock. In fact, the number of owner-occupied homes is at an all-time high, while the percentage of homes that are owner-occupied is well above pre-pandemic levels.
The only apparent change that could induce significant for-sale inventory back into the market, then, is lower mortgage rates. How quickly would sellers return if rates were lower? We got an early test in December and January when the FOMC forecasted rate cuts in 2024.
As rates began falling steeply from October through December and hovered around 6.6% in January, new listings increased on a year-to-year basis in 14 of 15 weeks, according to data from Altos Research, which, like HousingWire, is owned by HW Media.
The data is an encouraging sign that owners with homes to sell will be responsive to mortgage rates, suggesting rate cuts this year could bring about a rapid uptick in homes for sale.
Less encouraging, however, is how soon the market might see rate cuts. Mortgage rates rose above 7% this week for the first time in 2024 following a strong jobs report and comments by Federal Reserve Chairman Jerome Powell that suggested cuts were less imminent than many bond and equity traders had assumed.
You’ll immediately feel at home when moving to one of the best neighborhoods in Minneapolis. Neighbors will hold doors open, let you cut in line and say, “Thank you.” A lot.
People here will also politely tell you that the Twin Cities consist of Minneapolis and St. Paul, along with dozens of suburbs, if you mistakenly call Minneapolis the Twin Cities.
They’ll also give you plenty of advice when looking for a great neighborhood for you to hang your (hopefully) Vikings hat.
Here’s a look at some of the best neighborhoods in Minneapolis.
Named after Marge Armatage, the first woman elected to a Minneapolis public office after winning her race for the Board of Park Commissioners in 1921, the neighborhood in southwest Minneapolis honored her by naming a park after her. With walking paths, ice rinks and more, the park is a key attraction in the neighborhood.
A friendly area, Armatage is great for families and couples. Close to the Southdale shopping center, as well as local coffee houses such as Sparrow Coffee, it’s easy to feel at home and part of the neighborhood.
Located in northeast Minneapolis, Audubon Park honors famed naturalist John James Audubon. Featuring an urban feel of about 5,000 residents, the neighborhood is home to Audubon Park, offering a natural getaway with walking trails among tall trees. As part of the Grand Rounds National Scenic Byway, the trail runs through the area near Deming Heights Park.
The iconic Hollywood Theater called the area home during its heyday and locals seek to revitalize the nearly 90-year-old Art Deco building.
Locals enjoy grabbing a meal or takeout from the Holy Land Bakery, Grocery and Deli, where you can enjoy Mediterranean items. Spyhouse Coffee is a great spot to grab a cup of locally roast brew.
With the downtown skyline in the background, the Bryn Mawr neighborhood is home to Theodore Wirth Park, the largest park in Minneapolis. You’ll find an 18-hole golf course, a disc course and ample trails perfect for cross-country skiing or snow-shoeing during the winter. The area is also part of the Grand Rounds National Scenic Byway.
While a quiet, quaint neighborhood with friendly residents, Bryn Mawr has easy access to downtown Minneapolis, as well as shopping and dining, such as Cockadoodledo Gifts, offering a mix of vintage and contemporary items. Cuppa Java is an excellent spot for a warm drink and a quick bite.
Bordering three lakes, the Cedar Isles-Dean neighborhood is one of the more affluent areas of Minneapolis, with most residents earning more than $100,000. The neighborhood takes its name from two of its lakes, Cedar Lake and Lake of the Isles, and the Dean Parkway, which runs through the middle of the district.
The third lake, Bde Maka Ska (Dakota for Lake White Earth), is the largest body of water in Minneapolis. You’ll often find sailboats among the kayaks, canoes and motorboats patrolling the waters during summer.
Architecture enthusiasts will want to drive by the Freida and Henry J. Neils House, named for its original owners and a house designed by Frank Lloyd Wright. The L-shaped one-story house was built in Wright’s Usonian style, a name he gave the design he considered defining the United States.
The population of about 3,000 residents can enjoy shopping at outlets, such as Greenway Lakes Commons and Cedar Commons.
With the Mississippi River as one of its borders, Downtown East is a fantastic neighborhood to call home. With the Mill City Museum and the nearby Stone Arch Bridge as attractions, you can also catch concerts and shows at the Guthrie Theater. The Minnesota Vikings play at U.S. Bank Stadium, which is in the heart of the neighborhood. Architecture enthusiasts will enjoy checking out older buildings, such as City Hall.
A popular neighborhood for younger professionals, Downtown East is home to Day Block Brewing Company, a popular watering hole and restaurant. Locals also enjoy dining at Sawatdee, a neighborhood favorite since the mid-1980s.
With nearly 5,800 residents, Downtown West is the heartbeat of downtown, home to several corporations. Nicollet Mall runs about 12 blocks long on the neighborhood’s northwest side and includes several restaurants, such as The News Room. A popular attraction along Nicollet near 7th Street is the statue of Mary Tyler Moore. Erected in 2002 to celebrate the star of the hit show based in Minneapolis, it’s a great spot for selfies.
The Walker Art Center borders the neighborhood on the north end. With its contemporary art pieces and its famous sculpture garden — starring the often-photographed Spoonbridge (Spoon with a cherry) — the art center is a fun place to visit and enjoy a walk.
Downtown West is a great neighborhood for singles and young couples. Situated near Loring Park, Downtown West is a politically liberal and LGBT-friendly area.
Once a farm community, King Field has grown into a neighborhood popular with young professionals and couples. With farmers markets and unique dining experiences, such as Cuban at Victor’s 1959 Café or Filipino at Apoy, the area is sure to challenge your palate. King Field features ample free parking at several establishments, as well as free bus rides along Nicollet Mall. You can visit with friends over coffee at Five Watt Coffee.
History buffs and outdoor enthusiasts love calling the Linden Hills neighborhood home. Between museums, such as the Minnesota Streetcar Museum and Bakken Museum, you can learn about the area’s history. Living along Bde Maka Ska, the largest lake in Minneapolis and part of the Chain of Lakes, outdoor activity is almost unlimited, with three miles of trails and plenty of water activities, such as swimming and boating.
A neighborhood popular with families, couples and young professionals, it’s easy to find outstanding dining options, such as Martina, with its Italian cuisine, and Old Southern BBQ. Locals also enjoy unique shopping opportunities, including Wild Rumpus, a book store with a unique story.
Loring Park has long been a gathering spot for Minneapolis residents. Home to major celebrations, including the Gay Pride Festival and the Loring Park Art Fair, the area is one of the most beautiful in the Twin Cities. With the country’s first basilica — Basilica of St. Mary — you can take in its Beaux-Arts architecture and ornamental art inside the church.
For more than 80 years, the Walker Art Center has provided a taste of art and culture to the neighborhood, with several exhibits inside the building and amazing sculptures outside in the sculpture garden. You’ll find the world-famous Spoonbridge (spoon and cherry) in the heart of the garden.
With unique restaurants, such as Lotus Restaurant — offering its take on Vietnamese cuisine — and Café Lurcat, bringing a nouveau twist to American fare.
Only a few minutes west of downtown, the Lowry Hill neighborhood is the perfect spot for young professionals, couples and families. With local parks offering walking paths, areas to relax and spend time outdoors, the area started as a rural community. Today, the nearby Walker Art Center hosts the annual Rock the Garden Festival.
Whether they prefer pancakes for breakfast or a burger for dinner, The Lowry is a popular choice for locals. Enjoy local craft beer at Sisyphus Brewing, where they also host weekly stand-up comedy shows.
There’s seemingly a little of everything in the Lyn Lake neighborhood of Minneapolis. The community’s hot spots meet at the intersection of Lake Street and Lyndale Avenue. With a plethora of dining establishments, such as World Street Kitchen, which grew from a food truck and features almost everything from Asian and Mediterranean to Caribbean, the neighborhood is a great place to sample amazing menus.
An area popular with young professionals, couples and singles, Lyn Lake offers unique neighborhood gems, such as Bryant Lake Bowl and Theater, where you can bowl 10 frames or catch a show. Up-Down Minneapolis features 50 vintage arcade games from the 1980s-90s, as well as a variety of beer on tap for a fun-filled trip down memory lane.
A family-friendly neighborhood, Lynnhurst features plenty of fun activities for all ages. Centrally located in Minneapolis, residents have easy access to public parks and trails, such as Minnehaha Creek Park, home to canoeing, hiking and picnicking. The Lynnhurst Recreation Center offers youth activities, sports leagues and an ice skating rink.
Lake Harriet Pizza is a popular choice for pizza night, as the eatery creates craft pizzas for takeout or delivery. Couples enjoy dining at Broders’ Pasta Bar, as well as a twist on Mexican cuisine at Colita, where you can sample lamb barbacoa tacos.
Named for nearby Lake Nokomis, this neighborhood is perfect for outdoor activities. Anchoring one of the best neighborhoods in Minneapolis, Minnehaha Falls is a major attraction in Nokomis. While you can canoe Minnehaha Creek, you’ll want to hike the trail that takes you within a few feet of the 53-foot-tall waterfall.
With trails that offer fun winter sports, such as cross country skiing or snow-shoeing, the area is perfect for nature enthusiasts. Longfellow Gardens also offers an opportunity to enjoy the outdoors with a walk through the botanical garden.
Popular with locals and tourists, Matt’s Bar and Grill is the home of the Jucy Lucy since 1954, two burgers cooked around a small block of cheese that melts as they cook. It’s best to let the Jucy Lucy sit for a few minutes, so you don’t burn your mouth with the first bite as the cheese oozes out.
Considered one of the most “hipster” neighborhoods in the city, North Loop has grown from an old, dilapidated warehouse district to a vibrant art and entertainment area, home to some of the city’s best restaurants, bars and retail outlets.
From eateries, such as Parlour and North Loop Galley, to bars, including Kieran’s Irish Pub, and shops such as Statement Boutique and Grethen House, North Loop is an exciting neighborhood for young professionals, couples and singles looking to live in a thriving area.
Sports fans will enjoy catching a Twins baseball game at Target Field or Timberwolves and Lynx hoops at Target Center.
A neighborhood that mixes the old with the new, Northeast Minneapolis is an art lover’s dream community. For more than 25 years, nearly 1,000 artists have gathered for one of the largest outdoor art studio tours in the country, as Art-a-Whirl calls Northeast Minneapolis home. With the neighborhood’s European-style cobblestone streets, the area is one of the most walkable in the Twin Cities.
Outdoor enthusiasts love visiting Boom Island Park, with hiking and biking trails, as well as picnicking spots. Once used as a logging station, the park is a favorite with locals, offering great views of the area.
As Northeast Minneapolis has developed, the area has become home to some of the most popular restaurants in the area, including Hai Hai, which features Southeast Asian cuisine, and Betty Danger’s Country Club, known for its outdoor Ferris wheel. The neighborhood is also home to outstanding craft breweries, such as Broken Clock Brewing Cooperative.
With restaurants, such as Young Man and its Asian menu highlighting Hawaiian, Indonesian and Japanese cuisine, Southwest Minneapolis is an active, vibrant community open to a variety of backgrounds.
A popular area with young professionals, couples and single people, Southwest Minneapolis invites residents to check out unique attractions, such as Game Show Battle Rooms, which matches teams in a classic game show escape rooms. Lake Harriet is a popular spot with boating, swimming and winter sports.
Within walking distance of the University of Minnesota, St. Anthony West is also close to downtown Minneapolis, which professionals and retirees both find inviting. Located in one of the oldest and best neighborhoods in Minneapolis, St. Anthony West is home to Boom Island Park, a popular spot for hiking and biking.
Residents enjoy catching a light, relaxing dinner at Aster Café, with its menu featuring beet salad, shawarma bowl and brisket tacos. Before or after catching a movie at the historic St. Anthony Main Theatre, grab a bite and a glass of wine at Pracna on Main, one of the city’s oldest restaurants.
Offering an eclectic array of attractions and restaurants, who doesn’t want to live in the Uptown neighborhood? With Uptown Theatre and bars, such as The Fremont, the area attracts young professionals and college students, creating one of the best neighborhoods in Minneapolis.
At the same time, older couples and retirees enjoy the area and its easy access to parks and lakes, such as Bde Maka Ska and Cedar Lake, but also the restaurants, including Barbette and dishes, such as sweet potato risotto.
With its namesake park as the neighborhood anchor, Waite Park is definitely a residential neighborhood. Most restaurants and shopping opportunities are in neighboring districts, such as Audubon Park and Northeast Minneapolis. The area is an excellent residential area for families, couples, and young professionals, who enjoy a quiet lifestyle, with plenty of walking and biking opportunities.
With a diverse population, the Whittier neighborhood has been known through the years for an eclectic feel. The area’s art scene is strong, with the Minneapolis Institute of Art and Walker Art Center near the neighborhood. The Hennepin History Museum offers a look at the county’s past.
Popular with young professionals and couples, Nicollet Avenue offers several choices for dining, with restaurants such as Icehouse, which features American fare, along with drinks and music, and Quang, which offers a Vietnamese menu.
Moving to Minneapolis
As you plan your move to Minnesota’s largest city, look for the neighborhood that appeals to you the most. Is it being close to work? Or, maybe you prefer sports, arts or being outdoors. Whatever your interest, Minneapolis has the perfect home for you.
There are plenty of trends that used to be mostly popular among the low-middle income people that changed when they became popular with rich people. Whether it is a band, a clothing style, or a hobby, nothing remains the same once wealth and status get involved. But what are some of the things that poor people loved before they were spoiled by the wealthy? Here, we look at 20 things that once brought joy to those without much money—until their newfound popularity caused them to be re-crafted as symbols of luxury and extravagance.
1. Industrial, Warehouse Apartments
One user shared, “Living in warehouses in the industrial, rundown side of town.”
Another user agreed and commented, “Yes! They tore down all the real lofts to build condos they call lofts.”
2. Etsy
“Etsy,” posted one user.
Another user commented, “There are SO many accounts for cheap stuff from China that you could get on many other websites as well. No, I come to Etsy for homemade stuff and to support artistic individuals.”
One user added, “Yep, I remember trying to avoid the temptation of Shein by almost buying some unique pearl belly dance waist chains from there for 20 dollars. Dear reader, they were from Shein, without the tags and with a hefty 200% price increase. Thank God for the reviewer who exposed them.”
3. Food banks
One Redditor unfolded the riches’ hack and posted, “Food banks. My local food bank put out a news article basically saying that rich people need to stop using the food bank as a ‘life hack’ to lower their grocery bills.”
One user grasped and commented, “OMG. That’s so evil. Some people really have no conscience.”
4. Living in Arty Neighborhoods
One Redditor shared, “Living in arty neighborhoods.”
Another user replied,” This is what I was looking for. Creative poor people have been investing in poor neighbourhoods forever. They use their talent to make it an excellent place they enjoy living in. The rich say, ‘Hey, I want to be cool, let’s buy this.’ And then they price the poor out of the haven they created and turn it into a stale, crowded, overpriced place. TL;DR—Gentrification”
5. Champion Brand Clothes
“Champion brand clothes. I had a lot when I was a kid because it was the cheapest possible, and now all that s- is considered ‘vintage,’” posted one user.
Another responded, “Reminds me of Fila and Puma.”
6. eBay
An online Redditor commented, “Ebay. It used to be so useful to get all kinds of cheap or unique things. Then more and more big commercial sellers joined the club, and eventually, eBay itself forgot about what and who made their platform a success in the first place.”
“I’ve had my eBay account since ’98 when you had to send physical checks/money orders through the mail. It felt like an online flea market or garage sale where you’d get to know certain buyers and sellers. Feedback was critical, and you never bid on something you didn’t plan to buy because any hit to your reputation was a huge deal.
“It was a nice little collecting community until they allowed resellers of knock-off goods in and turned the whole thing into another Amazon. I occasionally still sell collectibles, but the number of people who don’t bother paying is huge now. I miss old eBay,” stated one user.
7. Blue-Collar Residential Neighborhoods
One user also shared, “Blue-collar residential neighborhoods in the city.”
Another user commented, “Yes! This is my answer, too. Not just houses in general but poor neighborhoods, in particular, are being f- over. You can see the tale here in the property history on Realtor.com. Lots and lots of houses were previously on the market for $50,000, bought, and then flipped and listed for $250k to $300k in a ZIP code where the median income is $34.5k, a good $20k less than the median income for the city. Shockingly, no one wants to spend $300k for a s- remodel in the ‘hood, so most of these houses sit empty unless/until they’re put on Airbnb.”
One added, “I think the problem with gentrification in the US is twofold: a failure to provide a path to ownership for often at-risk residents (which leads to slumlords) and a failure to protect the at-risk pop who DO own property from massive tax hikes.
“No one is opposed to tearing down condemned houses and building new ones, but the neighbours who have been there should not get affected by massive tax increases.”
8. Rural Lake Cabins
“Quiet out-of-the-way country cabins sitting by lakes. Now they are overpriced Airbnbs,” posted one user.
Another user commented, “I’d even say Airbnbs themselves. They started as a potentially cheap alternative to hotels run by people with extra space they aren’t doing anything with. Now people build guest houses specifically for Airbnb and treat It like a full-on rental.”
One user suggested, “If you do decide to go to an Airbnb as a getaway, I’d recommend looking for one on a farm. From what I’ve seen, they’re usually run by the farmers as a sort of side gig and not some company or wealthy person.
“The last one I went to was out in the middle of nowhere with like 70 acres that you’re free to explore, and it was actually at an animal rehabilitation center. They rented out their spare room as an Airbnb as a way to bring in more money to put towards the animals. It was insanely cool.
“They had a ton of animals that were being rehabilitated. The living room had a giant window that looked straight into the snow macaque enclosure. It was their inside feeding area, so you could watch them chill and eat like 2 feet away. There was a flock of chickens that would follow you around; most of them were bald or had b-m legs or other issues that would get them slaughtered at a farm. There were storks, peacocks, a very playful otter, spider monkeys, a d-head heron that kept pecking at my boots, boxes, and a lot more, but they even had tigers. Apparently, they were rescued from a carnival and couldn’t be released into the wild. It was so calm and also sweet to know that you were contributing a bit just by staying there.
“Edit: guess I should’ve included it in the original comment. It’s called ‘The Suite at the Ridge’ in Hocking Hills, Ohio. The Airbnb itself wasn’t crazy lovely or anything, but it was perfectly fine, and you’re there to be around the animals anyways. Unfortunately, I can’t post pictures here because I have some I’d love to share.
“Edit 2: I can’t seem to get the listing to show up in a search, only by looking through messages and it says that the host ‘no longer has access to Airbnb’ so I’m not sure what happened. We went in January, so it wasn’t even a year ago. But if you want to look at other sites, the sanctuary is Union Ridge Wildlife Center.
“Edit 3: Don’t Google the name of the wildlife center unless you want my happy post to become a sad post. Turns out it wasn’t as wholesome as I thought it was.”
9. Van Life and Tiny Houses
One online user stated, “Van life and tiny house living.”
Another user replied, “It’s like they gentrified the trailer park.”
Another user commented, “Not where I live. We still have proper trailer parks loaded with meth, pit bulls and domestic violence.”
10. Modernizing a Historic Home
A user commented, “Buying a “fixer-upper” home and spending weekends working on it. I was really looking forward to that.”
One user responded, “I’ve seen so many nice period houses completely gutted on the inside by modern renovations. If I buy a 1930s house, I don’t want a stupid Scandinavian minimalist interior!”
11. Thrift Shopping
“Thrift shopping. I’m not *thrifting* I’m f- broke,” one user commented.
Another user added, “Sometimes I feel like it’s cheaper to buy clothes at Target or Walmart brand new than it is to buy from a thrift store.”
12. Counterculture-Based Festivals
A Redditor stated, “Counterculture-based festivals. Burning Man was on my bucket list until rich folks started showing up with bodyguards and started establishing private zones.”
One user added, “Counterculture as a whole seems to be getting gentrified. In the Netherlands, there are a lot of places you can go to that have a ‘counterculture aesthetic’ or more specifically, ‘squat aesthetic’ but have exorbitant prices. Squatting used to be vast, and multiple venues in the Netherlands (like Paradiso and Melkweg) have their humble beginnings as a squat. Ruigoord, a village close to Amsterdam that got squatted 50 years ago, also completely lost its soul and is filled with yuppies.
“Counterculture is being gentrified, sanitized and sold back to people at exorbitant prices as something ‘new, weird and hip.’”
13. The Farmer’s Market
One user posted, “Going to the farmers market.” A user replied, “I went to a farmer’s market where only one vendor sold fruits and vegetables. There were three boutique honey stands and an old white lady selling ‘native’ art. St Philips Plaza in Tucson, for anyone who knows what I’m talking about. So dumb.”
14. Houses
“Houses. We poor people would work our entire lives to own one. Property became a great investment and a way to increase wealth, so rich people bought them. Not to live in as intended but to rent to the poor and keep them poor by renting so they will never be able to save enough to afford their own.” a user added to the thread.
15. Fajitas
One Redditor shared, “Fajitas. I remember being able to get skirt steak really cheap and sometimes for free.”
One user replied, “That goes for any ‘cheap’ cut of meat.”
16. Pickup Trucks
“Pickup trucks. They used to be much cheaper,” one user posted.
Another user replied, “They’re luxury minivans now.”
17. Unrestricted Land
One user posted, “Unrestricted land. Everything gets an HOA now, and they try to force you into their jurisdiction.
“My family fought an HOA targeting my grandmother’s house. She had lived there for ten years before the HOA was even an idea, or the new area with big houses was cleared for construction before that.
“We ended up having Rock in her house, skirting, and rock under her deck due to insufficient money to fight an HOA she never signed on to.
“If an HOA comes out where I live (which might happen in the next 15 years), I will fight them tooth and nail for spite alone.”
18. Cheat Cuts of Meat
“Off cuts of meat,” shared one user.
Another user replied, “I remember when chicken wings were 10 cents because they could not give them away. Now, they are an industry. They break a wing in half and call it two wings.”
19. Concerts and Festivals
One user shared, “Concerts and festivals.”
Another Redditor added, “I agree with this one. I have lost all interest in the concert/festival experience.”
20. Brisket Burnt Ends
“Brisket burnt ends. BBQ joints used to toss them or give them away for free,” One commenter added.
Another user replied, “BBQ used to be poor people’s food. Nobody wanted to eat ribs and brisket because they are hard to cook. Now every upper-middle-class person has a smoker, and BBQ costs an arm and a leg.”
Do you agree with the things listed above? Share your thoughts below!
Source: Reddit.
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Chicago, with its vibrant culture and dynamic cityscape, offers a lot, but living in such an urban hub can be costly. Wondering about rental prices in Chicago? On average, studios go for $1,572 per month, one-bedrooms at $1,907 and two-bedrooms at $2,558. If these prices are beyond your budget, don’t worry.
If you’re in search of a more pocket-friendly option that still keeps you within reach of Chicago’s energy, you’re in the right place! We’re thrilled to present to you 10 of the most cost-effective suburbs surrounding Chicago. These areas range from serene, small-town atmospheres to bustling, vibrant communities, offering a diverse array of living experiences. Read on to find your potential new, affordable home in one of these affordable Chicago suburbs.
Average rent for a studio: $1,450
Average rent for a one-bedroom: $950
Average rent for a two-bedroom: $1,400
Distance from Chicago: 17 miles
Apartments for rent in Oak Lawn
Leading our list of affordable ‘burbs in Chicago is Oak Lawn, a suburb boasting affordability and proximity, only 17 miles southwest of Chicago. It offers substantial savings, especially with one-bedroom apartments. Oak Lawn is not just about affordability; it’s a community rich in recreational activities and cultural events. The Oak Lawn Park District hosts numerous community events and sports leagues, while Wolfe Wildlife Park provides nature trails and birdwatching opportunities. The downtown area is a hub of activity with its eclectic mix of local eateries, boutiques and seasonal farmer’s markets, reflecting the suburb’s unique charm.
Average rent for a studio: $890
Average rent for a one-bedroom: $1,005
Average rent for a two-bedroom: $1,195
Distance from Chicago: 45 miles
Apartments for rent in Joliet
Joliet, a suburb with a robust historical background, is our next top pick. About 45 miles southwest of Chicago, it offers rents significantly lower than the city’s. Joliet is not just budget-friendly; it’s rich in history and culture. The Old Joliet Prison, now a museum, offers a unique glimpse into the past, and the Rialto Square Theatre, known for its stunning architecture, presents a range of performances. Joliet also boasts the Harrah’s Joliet Casino for entertainment and a bustling downtown area with an array of dining and shopping options.
Average rent for a studio: $922
Average rent for a one-bedroom: $1,162
Average rent for a two-bedroom: $2,142
Distance from Chicago: 10 miles
Apartments for rent in Oak Park
Just 10 miles west of Chicago, Oak Park combines affordability with cultural richness. This suburb is renowned for its architectural heritage, particularly the Frank Lloyd Wright Home and Studio and the Ernest Hemingway Birthplace Museum. Oak Park’s charm extends to its vibrant arts scene, with galleries and theaters and its commitment to green spaces, as seen in the expansive Oak Park Conservatory. The suburb’s bustling downtown area offers a diverse range of dining, shopping and entertainment options, making it an attractive place for those who appreciate both history and modern conveniences.
Average rent for a studio: $2,022
Average rent for a one-bedroom: $1,375
Average rent for a two-bedroom: $1,450
Distance from Chicago: 15 miles
Apartments for rent in Skokie
Skokie, located 15 miles north of Chicago, is an affordable option that doesn’t skimp on amenities. This suburb is known for its cultural diversity and community-focused events. The Emily Oaks Nature Center offers an oasis for nature enthusiasts, while the Skokie Northshore Sculpture Park showcases impressive outdoor art. Skokie’s vibrant downtown area features a range of shopping and dining options, and its renowned school system makes it a great choice for families.
Average rent for a studio: $1,260
Average rent for a one-bedroom: $1,400
Average rent for a two-bedroom: $1,980
Distance from Chicago: 40 miles
Apartments for rent in Aurora
Aurora, about 40 miles west of Chicago, is known for its lively urban atmosphere combined with more affordable living costs. Home to the Oakhurst Forest Preserve and the historic Paramount Theatre, Aurora offers a range of outdoor and cultural activities. The city’s downtown area is a mix of historic and contemporary, with various shopping, dining and nightlife options. Aurora also hosts several festivals and community events throughout the year, reflecting its vibrant community spirit.
Average rent for a one-bedroom: $1,533
Average rent for a two-bedroom: $1,844
Distance from Chicago: 30 miles
Apartments for rent in Arlington Heights
Arlington Heights, 30 miles from Chicago, offers a blend of suburban tranquility and urban amenities. Its downtown area is a bustling hub with a variety of shops, restaurants and entertainment options. The suburb also features multiple parks and recreational facilities, making it an attractive place for outdoor enthusiasts and families.
Average rent for a studio: $1,433
Average rent for a one-bedroom: $1,573
Average rent for a two-bedroom: $1,900
Distance from from Chicago: 33 miles
Apartments for rent in Schaumburg
Schaumburg, situated 33 miles northwest of Chicago, is a suburban haven balancing a slightly longer commute with affordable living. It’s home to the Spring Valley Nature Center & Heritage Farm and the sprawling Woodfield Mall, one of the largest shopping destinations in the region. Schaumburg also boasts a variety of dining and entertainment options and is known for its well-developed park district and community services.
Average rent for a studio: $1,836
Average rent for a one-bedroom: $1,600
Average rent for a two-bedroom: $1,902
Distance from Chicago: 20 miles
Apartments for rent in Des Plaines
Des Plaines, a suburb known for its affordability and proximity to Chicago, offers a blend of urban and suburban living. The Des Plaines Theatre provides entertainment options, while the downtown area is filled with shops and eateries. Outdoor enthusiasts will enjoy Prairie Lakes Park, offering scenic beauty and recreational activities.
Average rent for a studio: $1,207
Average rent for a one-bedroom: $1,652
Average rent for a two-bedroom: $2,300
Distance from Chicago: 15 miles
Apartments for rent in Evanston
Evanston, just 15 miles from Chicago, offers a relaxed lifestyle with plenty of activities, making it an easy pick among the best affordable Chicago suburbs. Known for the Northwestern University campus, this suburb has a college-town feel with historic architecture and events. The Evanston Art Center and The Lakefill, with its stunning skyline views, are highlights, making Evanston an ideal suburb for those seeking a mix of culture and tranquility.
Average rent for a studio: $2,020
Average rent for a one-bedroom: $1,820
Average rent for a two-bedroom: $2,311
Distance from Chicago: 35 miles
Apartments for rent in Naperville
Naperville, a dynamic suburb 35 miles west of Chicago, is known for its vibrant community and scenic beauty. The Naperville Riverwalk and the Naper Settlement are popular attractions. The city boasts a lively downtown area with shops, restaurants and cultural venues, making it a sought-after location for those who desire a mix of suburban charm and urban amenities.
Discover your ideal home in these affordable Chicago suburbs
These suburbs offer more than just affordability; they are communities rich in culture, history and amenities, providing an enhanced quality of life. From quaint streets to bustling local businesses and peaceful parks, there’s a perfect fit for everyone – families, professionals, and retirees alike. These suburbs don’t just ease your wallet; they enrich your life, fostering close-knit communities where lasting friendships and memories are made. Here, the spirit of Chicago is alive in a more accessible, affordable form, where the true value of a city is reflected in its people and the warmth of the community they create.
Thinking of transitioning from renting to owning? Explore our guide to the most affordable Chicago suburbs for homebuyers.
Methodology: Affordability is based on whether a suburb’s one and two-bedroom rent was less than Chicago and under 45 miles from downtown Chicago. Average rental data from Chicago rental market trends on October 26, 2023. Population data sourced from the United States Census Bureau.
See what’s special about this city, beyond the stereotypes.
Welcome to Cleveland. Sitting on the shores of Lake Erie, this Midwestern metropolis has a heritage that is proudly showcased through its impressive architecture, world-class museums and so much more. Join us as we explore the nooks and crannies of one of America’s top cities and finally answer the question, what is Cleveland known for?
Cleveland’s quirky, unparalleled culture
Cleveland holds a particular cultural significance in American history. From its early days as a major center for manufacturing and trade to its present-day status as a hub for arts and culture, the city has embraced its past while facing its future head on.
One of the most iconic landmarks in Cleveland is the Rock and Roll Hall of Fame. This legendary museum pays homage to the legends of rock and roll with its extensive collection of artifacts, interactive exhibits and live performances. Visitors can explore the history of rock music, learn about the artists who shaped the genre and get up close and personal with some of the most unique rock artifacts in the world.
Another gem in Cleveland is the Historic Warehouse District. This neighborhood is a testament to the city’s industrial past, with its well-preserved 19th-century brick buildings and cobblestone streets. Today, it’s a hub for dining, shopping and entertaining, with a mix of trendy restaurants, stylish boutiques and lively bars.
Historical landmarks in Cleveland
Cleveland is home to a wealth of historical landmarks that provide a glimpse into the city’s past. One such landmark is Terminal Tower, a towering structure that was once the tallest building outside of New York City. Built in the 1920s, it served as a transportation hub and symbolized the city’s growth and prosperity. Today, it houses offices, shops and restaurants and offers breathtaking views of the city from its observation deck.
Another must-visit is The Cleveland Arcade. Built in 1890, it is one of the oldest indoor shopping malls in the United States. The Arcade’s stunning architecture, with its glass ceilings and ornate ironwork, is a sight to behold. Visitors can wander through its corridors, admire the beautiful craftsmanship and shop at the unique boutiques and cafes that are lucky enough to call the Arcade home.
Exploring Cleveland’s art scene
Cleveland is a haven for artsy folks, with its world-class museums and thriving arts scene. The Cleveland Museum of Art is a must-visit destination for any art enthusiast. With works spanning over 6,000 years and featuring pieces from around the globe, it is one of the most comprehensive art museums in the country.
For those who prefer contemporary art, the Museum of Contemporary Art Cleveland (MOCA) is a must-visit. Located in Little Italy, this cutting-edge museum showcases works by established and emerging artists. Its ever-changing exhibitions and innovative programming make it a gathering place for creatives to experiment.
Cleveland’s music and entertainment industry
Cleveland has a strong music scene, with deep roots in rock and roll, jazz and classical music. The city’s sounds can be experienced at venues like the Beachland Ballroom, a historic concert hall that has hosted countless legendary acts. From local indie bands to international superstars, the Beachland Ballroom offers a diverse lineup of performances that cater to all musical tastes.
Cleveland also boasts a thriving theater and performing arts industry. Historic Playhouse Square is the largest performing arts center outside of New York City and is home to multiple theaters showcasing a wide range of performances, including Broadway shows, ballet, opera and more. Catching a show at Playhouse Square is a must-do for any thespians.
Cleveland’s sports culture
Cleveland is a city that loves its professional sports, and its passionate fan base is a testament to that. The city is home to three major professional sports teams: the Cleveland Cavaliers (NBA), the Cleveland Browns (NFL) and the Cleveland Guardians (MLB). Attending a game at one of these iconic stadiums is an experience like no other, with the energy and excitement of the crowd creating an electric atmosphere.
In addition to professional sports, Cleveland also hosts numerous sporting events throughout the year. The city has hosted the NBA Finals, the World Series and the NFL Draft, and that’s not even to mention Saturdays at The Ohio State University (just over two hours away).
Must-visit attractions in Cleveland
The Cleveland Botanical Garden is a beautiful oasis in the heart of the city, with its stunning gardens, glasshouse and outdoor spaces. Visitors can explore the themed gardens, learn about plant conservation and even participate in educational programs and workshops.
Another must-visit attraction is West Side Market, one of the oldest continuously operating public markets in the country. This bustling marketplace is a foodies’ paradise, with vendors selling everything from fresh produce and meats to artisanal cheeses and baked goods. Exploring the market’s many offerings and sampling the local cuisine is a must-do for anyone with a little room in their stomach.
Dining in Cleveland
Cleveland’s emerging culinary scene has garnered attention in recent years, with a range of restaurants and culinary experiences to be experienced within the city limits. The city is known for its thriving food halls, where visitors can sample a variety of cuisines under one roof. The Van Aken District, located in the suburb of Shaker Heights, is home to a food hall that showcases the best of Cleveland’s culinary talent, from artisanal pizzas to gourmet burgers.
For those looking for a fine dining experience, Cleveland has no shortage of upscale restaurants that offer innovative menus and impeccable service. The city’s chefs are known for their creativity and use of local ingredients, with many establishments focusing on farm-to-table cuisine. From contemporary American fare to international flavors, Cleveland’s dining scene has something to satisfy every palate.
Outdoor activities and natural attractions in Cleveland
Cleveland is also a great destination for outdoor enthusiasts. The city’s location on the shores of Lake Erie provides ample opportunities for kicking back and enjoying all that Mother Nature has to offer. Visitors can take a leisurely stroll along the scenic lakefront, enjoy a picnic in one of the many parks that line the shoreline or even rent a kayak or paddleboard to explore the waters.
For those who prefer to explore nature on land, the Cleveland Metroparks offer a network of parks and trails that span over 23,000 acres. Whether you’re a hiker, cyclist or simply looking for a peaceful nature retreat, the Metroparks have something for everyone. From the picturesque Rocky River Reservation to the sprawling North Chagrin Reservation, these parks offer a respite from the hustle and bustle of the city.
Cleveland should be on your shortlist
After this brief exploration it is clear as day, apartments and homes in Cleveland offer a whole heck of a lot for renters and for those looking to lay down roots and invest in real estate. From its iconic landmarks and world-class museums to its epic music and entertainment scene, there really is something for everyone to enjoy within the city limits.
Whether you’re exploring the city’s many landmarks, immersing yourself in its art scene or indulging in some downright delicious local dishes, Cleveland is sure to captivate and leave a lasting impression. Find your apartment or house for rent now and discover all that Cleveland has to offer you.
See what’s special about this city, beyond the stereotypes.
Welcome to Cleveland. Sitting on the shores of Lake Erie, this Midwestern metropolis has a heritage that is proudly showcased through its impressive architecture, world-class museums and so much more. Join us as we explore the nooks and crannies of one of America’s top cities and finally answer the question, what is Cleveland known for?
Cleveland’s quirky, unparalleled culture
Cleveland holds a particular cultural significance in American history. From its early days as a major center for manufacturing and trade to its present-day status as a hub for arts and culture, the city has embraced its past while facing its future head on.
One of the most iconic landmarks in Cleveland is the Rock and Roll Hall of Fame. This legendary museum pays homage to the legends of rock and roll with its extensive collection of artifacts, interactive exhibits and live performances. Visitors can explore the history of rock music, learn about the artists who shaped the genre and get up close and personal with some of the most unique rock artifacts in the world.
Another gem in Cleveland is the Historic Warehouse District. This neighborhood is a testament to the city’s industrial past, with its well-preserved 19th-century brick buildings and cobblestone streets. Today, it’s a hub for dining, shopping and entertaining, with a mix of trendy restaurants, stylish boutiques and lively bars.
Historical landmarks in Cleveland
Cleveland is home to a wealth of historical landmarks that provide a glimpse into the city’s past. One such landmark is Terminal Tower, a towering structure that was once the tallest building outside of New York City. Built in the 1920s, it served as a transportation hub and symbolized the city’s growth and prosperity. Today, it houses offices, shops and restaurants and offers breathtaking views of the city from its observation deck.
Another must-visit is The Cleveland Arcade. Built in 1890, it is one of the oldest indoor shopping malls in the United States. The Arcade’s stunning architecture, with its glass ceilings and ornate ironwork, is a sight to behold. Visitors can wander through its corridors, admire the beautiful craftsmanship and shop at the unique boutiques and cafes that are lucky enough to call the Arcade home.
Exploring Cleveland’s art scene
Cleveland is a haven for artsy folks, with its world-class museums and thriving arts scene. The Cleveland Museum of Art is a must-visit destination for any art enthusiast. With works spanning over 6,000 years and featuring pieces from around the globe, it is one of the most comprehensive art museums in the country.
For those who prefer contemporary art, the Museum of Contemporary Art Cleveland (MOCA) is a must-visit. Located in Little Italy, this cutting-edge museum showcases works by established and emerging artists. Its ever-changing exhibitions and innovative programming make it a gathering place for creatives to experiment.
Cleveland’s music and entertainment industry
Cleveland has a strong music scene, with deep roots in rock and roll, jazz and classical music. The city’s sounds can be experienced at venues like the Beachland Ballroom, a historic concert hall that has hosted countless legendary acts. From local indie bands to international superstars, the Beachland Ballroom offers a diverse lineup of performances that cater to all musical tastes.
Cleveland also boasts a thriving theater and performing arts industry. Historic Playhouse Square is the largest performing arts center outside of New York City and is home to multiple theaters showcasing a wide range of performances, including Broadway shows, ballet, opera and more. Catching a show at Playhouse Square is a must-do for any thespians.
Cleveland’s sports culture
Cleveland is a city that loves its professional sports, and its passionate fan base is a testament to that. The city is home to three major professional sports teams: the Cleveland Cavaliers (NBA), the Cleveland Browns (NFL) and the Cleveland Guardians (MLB). Attending a game at one of these iconic stadiums is an experience like no other, with the energy and excitement of the crowd creating an electric atmosphere.
In addition to professional sports, Cleveland also hosts numerous sporting events throughout the year. The city has hosted the NBA Finals, the World Series and the NFL Draft, and that’s not even to mention Saturdays at The Ohio State University (just over two hours away).
Must-visit attractions in Cleveland
The Cleveland Botanical Garden is a beautiful oasis in the heart of the city, with its stunning gardens, glasshouse and outdoor spaces. Visitors can explore the themed gardens, learn about plant conservation and even participate in educational programs and workshops.
Another must-visit attraction is West Side Market, one of the oldest continuously operating public markets in the country. This bustling marketplace is a foodies’ paradise, with vendors selling everything from fresh produce and meats to artisanal cheeses and baked goods. Exploring the market’s many offerings and sampling the local cuisine is a must-do for anyone with a little room in their stomach.
Dining in Cleveland
Cleveland’s emerging culinary scene has garnered attention in recent years, with a range of restaurants and culinary experiences to be experienced within the city limits. The city is known for its thriving food halls, where visitors can sample a variety of cuisines under one roof. The Van Aken District, located in the suburb of Shaker Heights, is home to a food hall that showcases the best of Cleveland’s culinary talent, from artisanal pizzas to gourmet burgers.
For those looking for a fine dining experience, Cleveland has no shortage of upscale restaurants that offer innovative menus and impeccable service. The city’s chefs are known for their creativity and use of local ingredients, with many establishments focusing on farm-to-table cuisine. From contemporary American fare to international flavors, Cleveland’s dining scene has something to satisfy every palate.
Outdoor activities and natural attractions in Cleveland
Cleveland is also a great destination for outdoor enthusiasts. The city’s location on the shores of Lake Erie provides ample opportunities for kicking back and enjoying all that Mother Nature has to offer. Visitors can take a leisurely stroll along the scenic lakefront, enjoy a picnic in one of the many parks that line the shoreline or even rent a kayak or paddleboard to explore the waters.
For those who prefer to explore nature on land, the Cleveland Metroparks offer a network of parks and trails that span over 23,000 acres. Whether you’re a hiker, cyclist or simply looking for a peaceful nature retreat, the Metroparks have something for everyone. From the picturesque Rocky River Reservation to the sprawling North Chagrin Reservation, these parks offer a respite from the hustle and bustle of the city.
Cleveland should be on your shortlist
After this brief exploration it is clear as day, apartments and homes in Cleveland offer a whole heck of a lot for renters and for those looking to lay down roots and invest in real estate. From its iconic landmarks and world-class museums to its epic music and entertainment scene, there really is something for everyone to enjoy within the city limits.
Whether you’re exploring the city’s many landmarks, immersing yourself in its art scene or indulging in some downright delicious local dishes, Cleveland is sure to captivate and leave a lasting impression. Find your apartment or house for rent now and discover all that Cleveland has to offer you.
Inside: Learn what 11 an hour is how much a year, month, and day. Plus tips to budget your money. Don’t miss the ways to increase your income.
We are going to under the cover and discover $11 an hour is how much per year.
For most Americans, this is hovering near minimum wage.
Let’s get this straight… This is not a livable wage.
If you are in high school or college and have support from your parents, then this is great spending money for you.
However, if you are making it on your own, $11 per hour will not make ends meet each month.
For most people, being at minimum wage is common and the goal is to make your way up the payscale and quickly!
In this post, we’re going to detail exactly what $11 an hour is how much a year. Also, we are going to break it down to know how much is made per month, bi-weekly, per week, and daily.
That will help you immensely with how you spend your money. Because too many times the hard-earned cash is brought home, but there is no actual plan for how to spend that money.
When living close to minimum wage, you must know how to manage money wisely.
More than likely, you are living paycheck to paycheck and struggling to survive to the next paycheck. Take a deep breath and make this minimum wage just a season.
The ultimate goal is to make the most of your hourly wage with inspirations to make more money.
If that is something you want to do, then keep reading. You are in the right place.
$11 an Hour is How Much a Year?
When we ran all of our numbers to figure out how much is $11 per hour is as annual salary, we used the average working day of 40 hours a week.
40 hours x 52 weeks x $11 = $22,880
$22,880 is the gross annual salary with a $11 per hour wage.
As of June 2023, the average hourly wage is $33.58 (source).
This you are making WAY LESS than the average wage.
Let’s breakdown how that number is calculated
Typically, the average work week is 40 hours and you can work 52 weeks a year. Take 40 hours times 52 weeks and that equals 2,080 working hours. Then, multiply the hourly salary of $11 times 2,080 working hours and the result is $22,880.
That number is the gross income before taxes, insurance, 401K, or anything else is taken out. Net income is how much you deposit into your bank account.
Work Part Time?
But you may think, oh wait, I’m only working part time. So if you’re working part time, the assumption is working 20 hours a week at $11 an hour.
Only 20 hours per week. Then, take 20 hours times 52 weeks and that equals 1,040 working hours. Then, multiply the hourly salary of $11 times 1,040 working hours and the result is $11,440.
How Much is $11 Per Month?
On average, the monthly amount would average $1,907.
Annual Amount of $22,880 ÷ 12 months = $1,907 per month
Since some months have more days and fewer days like February, you can expect months with more days to have a bigger paycheck. Also, this can be heavily influenced by how often you are paid on and on which days you get paid.
Work Part Time?
Only 20 hours per week. Then, the monthly amount would average $953.
How Much is $11 per Hour Per Week
This is a great number to know! How much do I make each week? When I roll out of bed and do my job, what can I expect to make at the end of the week?
Once again, the assumption is 40 hours worked.
40 hours x $11 = $440 per week.
Work Part Time?
Only 20 hours per week. Then, the weekly amount would be $220.
How Much is $11 per Hour Bi-Weekly
For this calculation, take the average weekly pay of $440 and double it.
$440 per week x 2 = $880
Also, the other way to calculate this is:
40 hours x 2 weeks x $11 an hour = $880
Work Part Time?
Only 20 hours per week. Then, the bi-weekly amount would be $440.
How Much is $11 Per Hour Per Day
This depends on how many hours you work in a day. For this example, we are going to use an eight hour work day.
8 hours x $11 per hour = $88 per day.
If you work 10 hours a day for four days, then you would make $110 per day. (10 hours x $11 per hour)
Work Part Time?
Only 4 hours per day. Then, the daily amount would be $44.
$11 Per Hour is…
$11 per Hour – Full Time
Total Income
Yearly (52 weeks)
$22,880
Yearly (50 weeks)
$22,000
Monthly (173 hours)
$1,907
Weekly (40 Hours)
$440
Bi-Weekly (80 Hours)
$880
Daily Wage (8 Hours)
$88
Net Estimated Monthly Income
$1,455
**These are assumptions based on simple scenarios.
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Paid Time Off Earning 11 Dollars an Hour
Does your employer offer paid time off?
As an hourly, close to minimum wage employee, more than likely you will not get paid time off.
So, here are the scenarios for both cases.
For general purposes, we are going to assume you work 40 hours per week over the course of the year.
Case # 1 – With Paid Time Off
Most hourly employees get two weeks of paid time off, equivalent to 2 weeks of paid time off.
In this case, you would make $22,800 per year.
This is the same as the example above for annual salary making $11 per hour.
Case #2 – No Paid Time Off
Unfortunately, not all employers offer paid time off to their hourly employees. While that is unfortunate, it is best to plan for less income.
Life happens. There will be times you need to take time off for numerous reasons – sick time, handling an emergency, or even vacation.
So, let’s assume you take 2 weeks off without paid time off.
That means you would only work 50 weeks of the year instead of all 52 weeks. Take 40 hours times 50 weeks and that equals 2,000 working hours. Then, multiply the hourly salary of $11 times 2,000 working hours, and the result is $22,000.
40 hours x 50 weeks x $11 = $22,000
You would average $88 per working day and nothing when you don’t work.
$11 an Hour is How Much a year After Taxes
Let’s be honest… Taxes can take up a big chunk of your paycheck. Thus, you need to know how taxes can affect your hourly wage.
This is why you always wondering why your take-home pay is so much less.
Also, every single person’s tax situation is different.
On the basic level, let’s assume a 12% federal tax rate and a 4% state rate. Plus a percentage is taken out for Social Security and Medicare (FICA) of 7.65%.
Gross Annual Salary: $22,880
Federal Taxes of 12%: $2,746
State Taxes of 4%: $915
Social Security and Medicare of 7.65%: $1,750
$11 an Hour per Year after Taxes: $17,469
This would be your net annual salary after taxes.
To turn that back into an hourly wage, the assumption is working 2,080 hours.
$17469 ÷ 2080 hours = $8.40 per hour
After estimated taxes and FICA, you are netting $8.40 an hour. That is $2.60 an hour less than what you planned.
This is a very highlighted example and can vary greatly depending on your personal situation. Therefore, here is a great tool to help you figure out how much your net paycheck would be.
$11 an Hour Budget – Example
You are probably wondering can I live on my own making 11 dollars an hour? How much rent can you afford at 11 an hour?
Using our Cents Plan Formula, this is the best case scenario on how to budget your $11 per hour paycheck.
When using these percentages, it is best to use net income because taxes must be paid.
In this example, we calculated $11 an hour was $8.40 after taxes. That would average $1455 per month.
According to the Cents Plan Formula, here is the high level view of a $11 per hour budget:
Basic Expenses of 50% = $728
Save Money of 20% = $291
Give Money of 10% = $146
Fun Spending of 20% = $291
Debt of 0% = $0
Obviously, that is not doable when living so close to minimum wage. So, you have to be strategic on ways to decrease your basic expenses and debt. Then, it will allow you more money to save and fun spending.
To further break down an example budget of $11 per hour, then using the ideal household percentages is extremely helpful.
recommended budget percentages based on $11 per hour wage:
Category
Ideal Percentages
Sample Monthly Budget
Giving
10%
$76
Savings
15-25%
$114
Housing
20-30%
$572
Utilities
4-7%
$114
Groceries
5-12%
$153
Clothing
1-4%
$19
Transportation
4-10%
$114
Medical
5-12%
$191
Life Insurance
1%
$16
Education
1-4%
$10
Personal
2-7%
$29
Recreation / Entertainment
3-8%
$48
Debts
0% – Goal
$0
Government Tax (including Income Taxes, Social Security & Medicare)
15-25%
$451
Total Gross Income
$1,907
**In this budget, prioritization was given to basic expenses. Thus, some categories like giving and saving were less.
Living on $11 Per Hour
Living close to minimum wage can be a very difficult situation.
Is it doable? Probably not for long.
You just have to be wiser (or frugal) with your money and how you spend the hard-earned cash you have been blessed with.
A lot of times when people are making under the minimum wage mark, they feel like they are in this constant cycle that they can never keep up (which completely makes sense it is hard!).
When your thoughts are constantly focused on how you are struggling to keep up with bills and expenses, that is all you focus on.
You need to do is change your money mindset.
This is what you say to yourself… Okay, I am making near minimum wage for now. I have aspirations and goals to increase how much I make. For now, I am going to make sure that I am able to live on my 11 dollars per hour. I’m going to try and avoid debt and payday loans at all costs.
Other Tips to Help You:
Check your minimum wage for your state and city. You might find a higher minimum wage in a nearby city.
Look to living in a lower cost of living area to stretch your money.
Find ways to minimize your basic expenses.
Thrive with a minimalist lifestyle.
Decide if a roommate or moving back with your parents would help.
Bike or walk to work.
In the next section, we will dig into ways to increase your income, but for now, you must focus on living on $11 an hour.
5 Ways to Increase Your Hourly Wage
This right here is the most important section of this post.
You need to figure out ways to increase your hourly income because I’m going to tell you…you deserve more. You do a good job and your value is higher than what your employers pay you.
Even an increase of 50 cents to $11.50 will add up over the year. Even better $12 an hour!
1. Ask for a Raise
The first thing to do is ask for a raise. Walk right in and ask for a raise because you never know what the answer will be until you ask.
If you want the best tips on how specifically to ask for a raise and what the average wage is for somebody doing your job, then check out this book. In this book, the author gives you the exact way to increase your income. The purchase is worth it or go down to the library and check that book out.
2. Look for A New Job
Another way to increase your hourly wage is to look for a new job. Maybe a completely new industry.
It might be a total change for you, but many times, if you want to change your financial situation, then that starts with a career change. Maybe you’re stressed out at work. Making $11 an hour is too much for you and you’re not able to enjoy life, maybe changing jobs and finding another job may increase your pay, but it will also increase your quality of life.
3. Find a New Career
Because of student loans, too many employees feel like they are stuck in the career field they chose. They feel sucked into the job that they don’t like or have the potential they thought it would.
For many years, I was in the same situation until I decided to do a complete career change. I am glad I did. I have the flexibility that I needed in my life to do what I wanted when I needed to do it. Plus I am able to enjoy my entrepreneurial spirit.
4. Find Alternative Ways to Make Money
In today’s society, you need to find ways to make more money. Period.
There is no way to get around it. You need to find additional income outside a traditional nine-to-five position or typical 40 hour a week job. You will reach a point where you are maxed on what you can make in your current position or title. There may be some advancement to move forward, but in many cases, there just is not much room for growth.
So, you need to find a side hustle – another way to make money.
Do something that you enjoy, turn your hobby into a way to make money, turn something that you naturally do, and help others into a service business. In today’s society, the sky is the limit on how you can earn a freelancing income.
5. Earn Passive Income
The last way to increase your hourly wage is to start earning passive income.
This can be from a variety of ways including the stock market, real estate, online courses, book sales, etc. This is where the differentiation between struggling financially and being financially sound happens.
By earning money passively, you are able to do the things that you enjoy doing and not be loaded down, with having a job that you need to work, and a place that you have to go to. And you still make money doing nothing.
Here is an example:
You can start a brokerage account and start trading stocks for $50. You need to learn and take the one and only investing class I recommend. Learn how the market works, watch videos, and practice in a simulator before you start using your own money.
One gentleman started with $5,000 in his trading account and now has well over $36,000 in a year. Just from practice and being consistent, he has learned that passive income is the way for him to increase his income and also not be a slave to his job.
Tips to Live on $11 an Hour
In this last section, grasp these tips on how to live on $11 an hour. On our site, you can find lots of money saving tips to help stretch your income further.
Here are the most important tips to live on $11 an hour. Highlight these!
1. Spend Less Than You Make
First, you must learn to spend less than you make.
If not you will be caught in the debt cycle and that is not where you want to be. You will be consistently living paycheck to paycheck.
In order to break that dreadful cycle, it means your expenses must be less than your income.
And when I say income, it’s not the $11 an hour. As we talked about earlier in the post, there are taxes. The amount of taxes taken out of your paycheck is called your net income which is $11 an hour minus all the taxes, FICA, Social Security, and Medicare is taken out. That is your net income.
So, your net income has to be less than your net income.
2. Living Below Your Means
You need to be happy. And living on less can actually make you happier. Studies prove that less is better.
Finding contentment in life is one thing that is a struggle for most.
We are driven to want the new shiny toy, the thing next door, the stuff your friend or family member got. Our society has trained you that you need these things as well.
Have you ever taken a step back and looked at what you really need?
Once you are able to find contentment with life, then you are going to be set for the long term with your finances.
Here is our story on owning less stuff. We have been happier since.
3. Make Saving Money Fun
You need to make saving money fun. Period.
It could be participating in a no spend challenge for the month.
Check out the 200 envelope challenge (which is doable on your income)
It could be challenging your friends not to go to Target for a week.
Maybe changing your habits and not picking up takeout and planning meals.
Whatever it is challenge yourself.
Find new ways of saving money and have fun with it.
Even better, get your family and kids involved in the challenge to save money. Tell them the reason why you are saving money and this is what you are doing.
Here are 101 things to do with no money. Free activities without costing you a dime. That is an amazing resource for you and you will never be bored.
And you will learn a lot of things in life you can do for free. Personally, some of the best ones are getting outside and enjoying some fresh air.
4. Make More Money
If you want if you do not settle for less, then find ways to make more money. If you want more out of life, then increase your income.
You need to be an advocate for yourself.
Find ways to make more money.
It could be a side hustle, a second job, asking for a raise, going to school to change careers, or picking up extra hours.
Whatever path you take, that’s fine. Just find ways to make more money. Period.
5. No State Taxes
Paying taxes is one option to increase what you take home in each paycheck.
These are the states that don’t pay state income taxes on wages:
Alaska
Florida
Nevada
New Hampshire
South Dakota
Tennessee
Texas
Washington
Wyoming
It is very interesting if you take into account the amount of state taxes paid compared to a state with income taxes.
Also, if you live in one of the higher taxed states, then you may want to reconsider moving to a lower cost of living area. The higher taxes income tax states include California, Hawaii, New Jersey, Oregon, Minnesota, the District of Columbia, New York, Vermont, Iowa, and Wisconsin. These states tax income somewhere between 7.65% – 13.3%.
6. Stick to a Budget
You need to learn how to start a budget. We have tons of budgeting resources for you.
While creating a budget is great, you need to learn how to use one.
You do not have to budget down to every last penny.
You need to make sure your expenses are less than your income and that you are creating sinking funds for those irregular expenses.
Budget Help:
7. Pay Off Debt Quickly
The amount that you pay interest on debt is absolutely absurd.
Unfortunately, that is how many of these companies make their money from the interest you pay on debt.
If you are paying 5% to even 20-21% or higher, you need to find ways to lower that debt quickly.
Here’s a debt calculator to help you. Figure out your debt free date.
Paying off debt fast is your target and main focus. I can tell you from personal experience, that it was not until we paid off our debt that we finally rounded the corner financially. Once our debt was paid off, we could finally be able to save money. Set money aside in separate bank accounts and pay for cash for things.
It took us working hard to pay off debt. We needed persistence and patience while we had setbacks in our debt free journey.
Here are resources now for you to pay off your debt:
Jobs that Pay $11 an Hour
You can always find jobs that pay $11 per hour. Polish up that smile, fill out the application and be prepared with your interview skills.
Job Search Hint: Always send a written follow-up thank you note for your interview. That will help you get noticed and remembered.
First, look at the cities that require a minimum wage in their cities. That is the best place to start to find jobs that are going to pay higher than the federal minimum wage rate. Many of the cities are moving towards this model so, target and look for jobs in those areas.
Possible Ideas:
Cashiers
Back of the house restaurant staff
Landscape Laborer
Retail jobs
Paraeducators at schools
Janitors
Farm help
Warehouse workers
$11 Per Hour Annual Salary
In this post, we detailed 11 an hour is how much a year. Plus all of the variables that can impact your net income. This is something that you can live off.
$22,800
In this post, we highlighted ways to increase your income as well as tips for living off your wage.
Use the sample budget as a starting point with your expenses.
You will have to be savvy and wise with your hard-earned income. But, with a plan, anything is possible!
Try one of these ways to make money quickly to help you in the interim.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
What makes a city a great food city? Well, just like with any dish, it takes the right ingredients, which can vary. Perhaps the city is located in an agriculturally-rich area. Or the city is a diverse melting pot, creating a place for expression and creativity where chefs can share recipes from around the world or experiment with fusion cuisines. It also needs to have well-stocked grocers that carry specialty items.
No matter what, a great food city should be a place where chefs are supported by a population that loves dining out and supporting local restaurants. Whether you’re a chef looking for where to launch your next venture, or a food lover looking for the next big thing, here are the best cities for chefs to practice their craft.
Finding the best cities for chefs
So then, where do chefs thrive? There are different factors to consider, like grocery cost, population size and specialty stores where chefs can source high-quality ingredients. Taking all those into account, here are the ten best cities for chefs.
10. Grand Rapids, MI
While Grand Rapids may not immediately jump off the page as a great dining destination, you’d be surprised. There’s a robust craft brewing scene, top-notch cafes and a range of beloved, non-chain dining options.
Sourcing fish and seafood from the nearby Great Lakes and using area farms for fresh produce, seasonality is key. Chefs can even dine where they shop. They can tuck into fish and chips at fishmonger and restaurant Fish Lads, or grab a bite at the Grand Rapids Downtown Market while also shopping for produce, olive oil or spices.
Groceries are also the most affordable of all the cities in the top ten. Not only do chefs get to experiment with fresh, regional ingredients in Grand Rapids, but it’s extremely affordable to do so.
9. Santa Fe, NM
With its blend of cultural influences, the food scene in Santa Fe is unparalleled in the Southwest. With Native and Hispanic cuisines leading the playbill, an excellent supporting cast of other global offerings like Indian and Italian rounds it out. And lovers of spicy food find themselves falling under the spell of New Mexico’s famed Hatch green chiles, which feature heavily in local cuisine.
Against such a gastronomically diverse background, chefs also have a wide range of markets and grocers to choose from. There are 0.23 specialty grocers and 0.5 markets per 10,000 residents. So with a population of over 85,000, there are options aplenty. And that population, plus robust summer tourism crowds in Santa Fe, are only too happy to support local chefs.
8. Napa, CA
Ah, Napa.
As the seat of California wine country, this town of just over 78,000 would naturally be a great place for chefs to create exceptional meals. With a strong focus on high-end fares like Italian, French and New American, there’s an incredible variety of tastes to try. And experimenting with pairing with local wines is another plus.
The area’s agricultural history and current reputation for viticulture give Napa chefs easy access to locally-grown, fresh foodstuffs at local markets and grocers. With 0.89 markets per 10,000 residents, chefs can find everything from fresh produce to meats at spots like the Oxbow Public Market. There are also 23 non-chain establishments per capita, making it incredibly easy to support the local restaurant community.
7. Conroe, TX
Sitting on edge of Lake Conroe, the 91,000-population town of Conroe is a lakeside slice of country living within driving distance of Houston. As with many smaller towns, community and hospitality are important. So the local dining is heavily focused on family-run, feel-good food and service. Obviously, barbecue is huge here, as well as Mexican.
Chefs have their pick of the litter when it comes to specialty markets and grocers, with 0.54 grocers and 0.21 markets per 10,000 residents. And the cost of groceries is one of the lowest on the top ten list, so chefs in Conroe can prepare excellent food on a reasonable budget.
6. Cincinnati, OH
Cincinnati chili. Reuben sandwiches. Ice cream. Gooey pizza. Tender ribs. If you love big food with big, bombastic flavor, Cincinnati is the place. From regional treasures like Cincinnati-style chili, which is piled on top of spaghetti or hot dogs, to creative riffs on classics like burgers, chefs here love going big.
As a larger city, grocery costs are elevated, but there’s an abundance of markets and grocers. With 0.42 markets per capita and 0.16 grocers, in a city of over 300,000, there’s always something fresh and delicious close by for chefs to work with. From getting meats and produce at Country Farm Fresh Market to finding global flavors and fun at the famed Jungle Jim’s International Market, accessing the best ingredients is never an issue.
Cincinnati also ranks among the top cities with the most non-chain dining establishments in the top 10. So if you’re a chef looking for a place that welcomes bold flavor and never-say-die energy, head to the Queen City.
5. Asheville, NC
Over the past decade, the Blue Ridge Mountains-based Asheville has emerged as North Carolina’s preeminent food city. This scenic mountain hideaway has it all, from excellent craft brews and comforting Southern fare to elevated fine dining. This dedication to authentic food in all its forms has created a restaurant scene with 35 non-chain restaurants per 10,000 residents.
As a food scene that revels in experimentation and pushing the envelope, chefs in Asheville have an environment in which they can creatively grow and thrive. And the local supply options support that as well, with 0.21 grocers and markets per capita. And don’t forget to try that famous North Carolina barbecue!
4. Pensacola, FL
For seafood chefs seeking new stomping grounds, Pensacola, on the far western end of Florida’s panhandle, has enough attributes to crack the top five best cities for chefs. Sitting right on the edge of Pensacola Bay, fresh seafood is always within reach. The local food scene is rich with delicious seafood spots, as well as Southern and global fare.
With 0.94 markets per capita, chefs can head to specialty stores like Joe Patti’s Seafood and Four Winds International Market for both local and far-flung ingredients. And at 54 non-chain restaurants per 10,000 people, there are plenty of options for the nearly 53,000 residents of Pensacola.
3. West Des Moines, IA
Image source: Rent. / Sun Prairie Apartments
Betcha didn’t know just how vital Iowa is to U.S. agriculture. The Hawkeye State is the nation’s biggest producer of eggs, corn and pork. It also produces 14 percent of cattle in the United States, giving us tender flavorful steaks and beef. With such high-quality produce and meat, it’s no wonder chefs and meat lovers can have a field day here.
In West Des Moines, which forms the western edge of greater Des Moines, chefs will find a particularly hospitable environment for their craft. There’s an abundance of specialty grocers to choose from, like Fresh Thyme Market, providing quality meats, produce and other ingredients. Dining-wise, chefs can express themselves at classic steakhouses and casual brewpubs or branch out into other meat-heavy cuisines like Brazilian. There’s also great Mexican and Asian dining to be found in West Des Moines.
2. Marietta, GA
Snagging second-place for best cities for chefs is the 60,867-strong city of Marietta. Sitting northwest of Atlanta, Marietta is home to a hidden gem food scene. There’s something for everyone, from home-style Southern and farm-to-table to traditional Latin American cuisines.
This gives chefs a large playing field, allowing them to carry on the treasured culinary traditions to American diners, craft dishes from around the world or create exciting combos. Shopping is done at established specialty grocers like Cajun Meat Company, and with 1.15 markets per 10,000 residents, there’s plenty to go around.
One caveat: The cost of groceries is the highest of all the cities on the top 10 list.
1. Greenville, SC
The surrounding states must look on South Carolina with envy, as it’s home to two of the South’s best food cities. First, there’s Charleston (one of our best cities for brunch), and then, No. 1 on the list of the best cities for chefs, is Greenville.
This up-and-coming foodie haven has everything from top-tier Southern comfort food to sophisticated fine dining. Chefs can have fun with flavor at casual neighborhood spots, or get creative with elegant plating at high-end restaurants. And while grocery cost is second only to Marietta on this list, the local population is extremely supportive of their dining scene. There are 59 non-chain restaurants per 10,000 residents, so it’s plain to see that the inhabitants of Greenville love dining out and eating well. Here, chefs are sure to find a supportive and loving audience for whatever they want to cook.
The top 50 cities for chefs
Want to expand your cooking and culinary horizons beyond the top ten? There are many other options for chefs to choose from, as you’ll see from the top 50.
Methodology
To determine the best cities for chefs, we looked at all cities with at least 50,000 residents according to the U.S. Census Bureau’s 2019 estimates that had at least one specialty grocer, market and non-chain (local) restaurant. That final list included 386 cities spread all across the country. We then ranked each city by the following factors:
The average cost of groceries: The cost of an average grocery bill in the metro area of each city according to cost of living estimates from the Council for Community and Economic Research.
Specialty markets: Per capita and business density calculations in each city from a list of commercially licensed business data. Specialty markets include ethnic, organic and health food.
Food markets: Per capita and business density calculations in each city from a list of commercially licensed business data. Food markets include butchers and farmers markets.
Local restaurants: Per capita and business density calculations in each city from a list of commercially licensed business data. Local restaurants include all dining establishments that are labeled as non-chain.
Each of these factors was weighted equally, and the cities with the best overall score were determined to be the best cities for chefs.