lumber

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Is the housing shortage merely awful, or jaw-droppingly catastrophic? Depends on who you ask. The Harvard Joint Center for Housing Studies estimates that there’s a deficit of 1.5 million dwellings. Realtor.com says that we’re 2.3 million units short. Zillow says it’s 4.3 million, and the National Association of Realtors (NAR) guesses we’re shy 5 million to 6 million homes.

The Biden administration recently announced several programs to goose the construction of affordable housing. The efforts won’t situate everyone into a decent place that they can afford to rent or buy. But over the next few years, the programs could ease housing burdens for hundreds and maybe thousands of households.

The problem is that the federal government is engaging the situation with a polite nudge when true progress requires a rude shove. If Congress would increase funding and the White House would apply more imagination, the impact could be bigger.

Two main causes for the housing shortage

In five years, the median resale price of an existing home went up 51%, to $406,700 in July 2023, according to the NAR. Prices are too high for many would-be buyers. In early 2022, Freddie Mac polled Gen Z adults (ages 18 to 25 at the time), and 34% of them agreed that “homeownership at any point seems out of reach financially.” Mortgage rates have zoomed since that poll was conducted, making homes even more unaffordable.

Housing experts blame the shortage of low-cost housing on two primary factors: the cost of land and the expense of borrowing money to build. High lumber prices and a scarcity of construction workers are problems, too, but land costs and financing are the biggies that the Biden Housing Supply Action Plan addresses.

It’s expensive to develop and build

When builders talk of land costs, they mean more than the price of vacant acreage. They also refer to costs imposed by local governments: impact fees, zoning rules that limit the size and spacing of new homes, and wasted time while projects are delayed by legal challenges and political opposition.

It’s often a long, costly slog to get approval for housing, especially for dwellings for low-income households, apartments and other multifamily units. As the Harvard Joint Center puts it in its 2023 report on the nation’s housing: “The national housing shortage is also the product of local restrictive zoning policies and other regulatory barriers that make it difficult to build a range of housing types at different price points.”

Cities overwhelmingly zone land for single-family houses, effectively banning duplexes and apartments. Minimum lot sizes mean builders can construct only so many houses on a block, so they build expensive homes to maximize profits.

“Considering everything, they are saying, ‘Well, only way to make the numbers work, we are focusing on this larger-size home,'” the NAR’s chief economist, Lawrence Yun, said in a C-SPAN interview in early August.

Feds need to be firmer with local governments

Elected local leaders set the rules that drive up the cost of housing in communities blue and red. Several states, from California to Connecticut and Montana to Maine, have responded by restricting local governments’ land-use powers in order to promote multifamily and affordable housing.

Some housing advocates think the federal government should step in and compel local governments to make room for less expensive housing, such as apartments. In a March 2021 paper, Overcoming the Nation’s Daunting Housing Supply Shortage, Jim Parrott of the Urban Institute and Mark Zandi of Moody’s Analytics wrote that “federal policymakers should push communities to reorganize their approach to development from the ground up.”

The Biden administration adopted this approach. Its flagship program, Pathways to Removing Obstacles to Housing, dangles an $85 million pot of money. Local governments can receive grants from it to implement reforms that allow for denser housing, to plan transit-oriented development, to streamline permitting and to address gaps in financing, among other things.

It’s a well-meaning effort, with two problems: It lacks bite and it’s stingy. (The administration requested $10 billion and Congress appropriated $85 million.)

“It’s a nice idea, but, you know, we need some stick with the carrot,” says David Dworkin, president and CEO of the National Housing Conference. He means that the effort would be more effective if the federal government would withhold money from cities that refuse to relax zoning. Such an approach worked in the 1980s, when the feds threatened to deny highway funding to states that refused to raise the drinking age to 21. That was a shove, not a nudge — and it worked.

Playing hardball might yield results with housing, Dworkin says. “This is about having apartment buildings in communities, and duplexes or quadplexes, and the failure of communities to address the political pressure of residents who say, ‘I’ve got mine, no one else gets theirs,'” he says.

A miserly response to an expensive problem

As for the amount of money that Congress approved: In their paper, Parrott and Zandi imagined a federal program that would hand out $50 billion per year for 10 years to cities that “ease regulations and other building restrictions.” The generous program would increase affordable housing by 275,000 units per year, they estimated.

If $50 billion per year for 10 years would help solve the affordable housing shortage, the $85 million Pathways to Removing Obstacles to Housing program is laughably small. It’s as if Parrott and Zandi presented a $500 repair estimate, and Congress fished three quarters and a dime out of its pocket. If $50 billion in funding would result in 275,000 affordable homes, as Parrott and Zandi estimate, then $85 million would be good for 468 affordable homes.

The Department of Housing and Urban Development (HUD) said it will ask Congress for more funding.

Other programs address the housing shortage indirectly. The Department of Transportation will chip in money to local governments that extend public transportation to and from affordable housing, partly through zoning reform. The Commerce Department, when handing out Economic Development Administration grants, will favor development projects that allow people to live closer to work.

Making borrowing easier for developers

The other major way to stimulate the construction of affordable apartments is by making it easier and faster for builders to borrow money to fund their projects. HUD has come up with two solutions.

First, it has increased the threshold of what constitutes a “large loan” to build or rehabilitate apartments. The increase from $75 million to $120 million will reduce paperwork and costs to build or rehab large apartment complexes.

Second, HUD removed a $25 million cap on the size of FHA-insured loans on apartment construction that uses a streamlined Low-Income Housing Tax Credit (LIHTC). This means more apartment complexes will be eligible for the LIHTC, which reduces investors’ tax bills.

These tactics — loosening the purse strings to boost apartment building — might hasten construction for projects that have already won approval. But in the long term, this country can’t solve its housing shortage if cities and towns continue to use regulations to restrict new construction. If paying them to cut red tape doesn’t work, then state and local governments might have to withhold funding.

Source: nerdwallet.com

Apache is functioning normally

Sarah Jessica Parker has a great eye for fashion, and unsurprisingly, that translates into great taste in the home space. So when Etsy asked her to co-judge their 2023 Etsy Design Awards, alongside their trend expert Dayna Isom Johnson, we couldn’t help but stan this perfect partnership. The pair hand picked their favorite Etsy goods from 150 finalists (narrowed down from thousands of submissions from across the globe!), and winners received cash prizes, in addition to a bunch of other perks.  

Of course, with SJP in the picture, the grand prize winner had to be a fashion item (this stunning vegan cactus leather bag), but we were so delighted and excited by the cool home decor picks, we also felt the need to join in on celebrating these small makers and their handmade goods. After all, they’re SJP-approved, which makes them even more covetable!



Handmade Ceramic Planter with Chain

terrosostudios.etsy.com



We love the story behind this Etsy shop: The owner was originally from Syria and had an engineering degree. After relocating to Canada, he discovered his passion for pottery and began crafting his own ceramic pieces, inspired by ancient cultural techniques. We love how this planter has a drainage hole and a dish, two things that are annoyingly often missing from flower pots. (And it’s not lost on us that the chain is vaguely reminiscent of a handbag… Hi, SJP!) $137, terrosostudios.etsy.com



The Dandelion Interactive Lighting

mozidozen.etsy.com



This wildly innovative lighting piece (yes, it’s actually lighting) was technically selected by previous Etsy winners. Blowing on the dandelion’s “seeds,” or the felt portion, turns on the light! Because it’s battery-operated, it’s easy to transfer between rooms. It emits a pleasant, soft glow, which makes it the perfect nightlight. $191, mozidozen.etsy.com



Ifeoluwa Wall Art

dorcascreates.etsy.com



Super affordable, unique art?! Yes, please! This giclee print, illustrated by Dorcas Magbadelo, captures the beauty and strength of Black women, which is Dorcas’s mission with all of her art. And just like the other pieces, this one has a Yoruba name, which pays homage to Dorcas’s cultural identity. From $54, dorcascreates.etsy.com



1970s Glass Lounge Chair After Lenci by Adrian Pearsall

abtmodern.etsy.com



This chair made us swoon—and confirmed our prediction that the 70s are making a huge comeback. To be clear, it’s a vintage, one-of-a-kind piece, and it’s not cheap, but we love its inclusion in the awards because it highlights the sustainable direction consumers are headed; they’re buying more pre-loved treasures. It’s awesome for the planet! And this chair proves not everything vintage is dusty and sad. You really can find so many gems out there! $6,400, abtmodern.etsy.com



Custom Wood Portraits

texashoover.etsy.com



Continuing on the sustainability theme, this Etsy shop owner and artist uses his woodworking skills to repurpose lumber salvaged from fallen trees, turning it all into custom art. His bespoke portraits feature intricately cut pieces of wood that he personally mills! It makes for a great newlywed or housewarming gift—we love how the rustic charm will instantly warm up any space. From $495, texashoover.etsy.com


Source: realsimple.com

Apache is functioning normally

A staggering 90 percent of home builders say the affordability of new properties is being hampered by rising lumber prices.

The finding came from the latest National Association of Home Builders/Wells Fargo Housing Market Index, where many builders claimed that the higher costs of construction are forcing more prospective buyers to back out of the new home market.

Builders say the main reason for the increased costs is the rise in lumber prices over the last one and a half years. Almost 95 percent of builders say the spike in the price of lumber was impacting the affordability of new homes, with respondents evenly split on whether it was having a “significant” or “minor” impact.

Prices of lumber in the U.S. have increased by 62 percent since President Donald Trump came into power in January 2017, the NAHB’s chief economist Robert Dietz said. He reckons that lumber tariffs have increased the price of the average new home by around $9,000.

Builders say the rising prices may be due to a widespread shortage of lumber. More than 30 percent of single-family home builders reported facing framing lumber shortages, which is the highest figure since the NAHB began tracking this data in 1994.

The problem of housing affordability isn’t just down to lumber prices however. A recent report in The Morning Call states that while lumber is a significant factor, labor shortages and growing regulations are also to blame.

According to the NAHB’s Dietz, homebuilding in many parts of the country is being held back due to a lack of workers, with almost 230,000 building jobs in the U.S. currently unfulfilled.

“Labor has been an issue of the industry for the last four or five years,” he said. “The job openings rate in the construction industry now is actually higher than it was at the peak of the building boom.”

Then there’s the problem of increased building regulations and stricter zoning requirements, which result in both fewer starts and increased costs. Dietz said that regulations add up to around a quarter of the cost of a median-priced home, and more than 30 percent of the cost of an apartment. These costs also restrict builder’s ability to produce homes at the lower-end of the market, which is the price point targeted by most younger buyers.

Mike Wheatley is the senior editor at Realty Biz News. Got a real estate related news article you wish to share, contact Mike at [email protected].
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Source: realtybiznews.com

Apache is functioning normally

A full decade after U.S. housing markets were crushed by the so-called Great Recession, which led to a major crisis that saw thousands of homes foreclosed upon, things have improved drastically since then. Home values have risen to record highs in many markets, well above pre-recession levels, and foreclosures have fallen to historic lows.

Lawrence Yun, chief economist of the National Association of Realtors, said that lending and regulatory reforms have also helped to prevent a new housing bubble from forming, in spite of concerns from other experts.

“Over the past 10 years, prudent policy reforms and consumer protections have strengthened lending standards and eliminated loose credit, as evidenced by the higher-than-normal credit scores of those who are able to obtain a mortgage and near record-low defaults and foreclosures, which contributed to the last recession,” Yun said. “Today, even as mortgage rates begin to increase and home sales decline in some markets, the most significant challenges facing the housing market stem from insufficient inventory and accompanying unsustainable home price increases.”

But even though inventory continues to be a problem, Yun says that overheating markets are likely to slow down soon. He said that many of the fastest growing markets are seeing prices rise due to insufficient supply rather than strong buyer demand. He added that markets such as Denver and Seattle are already showing signs of slowing down, but said that any fall in home sales is probably going to be connected to supply shortages and price increases.

“The answer is to encourage builders to increase supply, and there is a good probability for solid home sales growth once the supply issue is addressed,” Yun insisted. “Additional inventory will also help contain rapid home price growth and open up the market to prospective home buyers who are consequently—and increasingly—being priced out. In the end, slower price growth is healthier price growth.”

According to Yun, new construction grew by 7.2 percent year-over-year in July, but that’s still not enough to address the inventory shortages. One problem is that builders are struggling with costs, he said.

““Rising material costs and labor shortages do not help builders to be excited about business,” Yun said. “But the lumber tariff is a pure, unforced policy error that raises costs and limits job creation and more home building.”

Yun also thinks existing home sales will fall by around 1 percent to 5.46 million this year. However, he says home value appreciation should remain strong in most markets, rising by about 5 percent on average. Overall home sales should also grow in 2019 due to an increase in supply and moderate price growth, Yun said. he forecasts that existing home sales will rise by 2 percent in 2019, and home prices will rise by 3.5 percent.

Mike Wheatley is the senior editor at Realty Biz News. Got a real estate related news article you wish to share, contact Mike at [email protected].
Latest posts by Mike Wheatley (see all)

Source: realtybiznews.com

Apache is functioning normally

Best known for its friendly, happy residents, unique geography and massive dairy and cheese industries, Wisconsin is a popular Midwestern state to call home. With a lush interior of farmland, forests and sandstone formations and coastlines on two of the Great Lakes, Wisconsin offers hiking, fishing, camping and boating.

Long overshadowed by coastal metropolises, its big cities are becoming trendy, fast-growing destinations for both work and fun. As centers for industry, culture, art and sports, Wisconsin cities like Madison are attracting more and more young professionals to live and work. Families also love living here thanks to the safe towns and fun family attractions like the Wisconsin Dells.

On top of all this, the cost of living in Wisconsin is also affordable. Many essentials like housing and groceries are cheaper than the national average. While some cost of living categories are above the national average, they’re not over-the-top expensive. Living in Wisconsin is attainable for a wide range of lifestyles and budgets, with different cities offering different quality of life and cost of living standards. Here’s how Wisconsin’s cost of living varies around the state.

Wisconsin housing prices

Overall, housing costs in Wisconsin are lower than the national average. The only exception is in its two biggest cities, Milwaukee and Madison. But even there, the cost of rent isn’t out of control. You’ll even make your New York City or Los Angeles friends jealous of how reasonable housing costs are. Even if an apartment in Milwaukee or Madison is too expensive, smaller cities and towns nearby likely have more affordable options.

Here’s what the average rent is like in some of Wisconsin’s biggest or most popular cities.

Eau Claire

A former lumber town in the west-central part of the state, Eau Claire is now a hip indie town flush with art, culture, trendy dining and innovation. Ever heard of a little band called Bon Iver? Yeah, they’re from here. With great live music, performing arts, festivals, galleries and events, it’s one of the best places for an artist in Wisconsin. It’s extremely popular with young professionals and the University of Wisconsin has a campus here. It’s also Wisconsin’s second-fastest-growing city, surpassed only by Madison.

As if all that fantastic art access wasn’t enough, housing costs here are also 16.1 percent lower than the national average. You can find a one-bedroom apartment for $795. Two-bedroom apartments cost an average of $995 a month. These rates have stayed constant over the past year.

Eau Claire’s housing market has grown a little bit more. Since last year, prices have increased by about 15 percent. The median sale price for a home here is $279,000.

Green Bay

Go Packers! Located on Lake Michigan’s Green Bay, this midsized city is best known for its National Football League team, the Green Bay Packers. But Green Bay has a lot more to offer besides sports. It has the distinction of being Wisconsin’s oldest settlement. It has a versatile range of things to do, from cool museums to outdoor activities. Sports fans and families alike enjoy living here.

Luckily, you don’t need too many greenbacks to afford housing in Green Bay. Housing costs here are 20.4 percent below the national average. The average rent for a one-bedroom apartment is $847, while two-bedrooms go for $1,175. The price of one-bedrooms is down 8percent from last year. But the price for two-bedroom units is up 30 percent.

Growing 15 percent over the past year, Green Bay’s housing market is also on the rise. Homes here go for a median sales price of $238,000.

Madison

Centered around two different lakes in the southern part of the state, Madison is Wisconsin’s state capital. With 269,196 residents, it’s the second-most-populous city in the state next to Milwaukee. Residents love Madison for its livability just as much as its cultural offerings. Several universities have campuses here, most notably the University of Wisconsin-Madison. Food and drink are also a big deal here, with excellent restaurants and craft breweries. All in all, it’s considered one of the best places to live in Wisconsin.

Housing costs here are also not too high. In general, the cost of housing is only 2.4 percent above the national average. One-bedroom apartments go for around $1,312 per month, which is down 4 percent from the previous year. The price for two-bedroom apartments is up 5 percent to $1,625.

Madison’s housing market has also grown 11 percent from last year, bringing the median sale price up to $380,000. That’s a fair bit below the national median sale price for a home, which is $428,000.

Marshfield

Marshfield is a small city situated in the middle of the state. With its many family-friendly attractions like the Wildwood Zoo, it’s a popular place for families to live. It’s also the home of the Marshfield Clinic. This notable healthcare system serves most of the state and has a reputation for excellent care. As such, Marshfield is a hub for high-quality healthcare access.

Low housing costs are another benefit of living here. The cost of housing is 17.1 percent below the national average. One-bedroom apartments cost an average of $775 per month. Two-bedroom units jump significantly up to $1,010 up 3 percent from last year.

With median sale prices around $202,000, Marshfield is also a great place to buy a home. The local housing market has seen a small amount of growth from last year, going up 5 percent.

Milwaukee

Unsurprisingly, housing costs in Milwaukee are among the highest in the state, rising 3.7 percent above the national average. Located on the shore of Lake Michigan in southeastern Wisconsin, Milwaukee is Wisconsin’s most populous city. This vibrant, magnetic city is best known for its brewing industry, cool cultural institutions and small-town atmosphere in a big-city package.

Despite being Wisconsin’s biggest urban center, rent prices have decreased over the past year. One-bedroom apartments are down 10 percent to $1,387 a month. Two-bedrooms are down 22 percent to $1,632.

Milwaukee’s housing market, on the other hand, has grown 3 percent over the past year. But with a median sale price of $195,000, Milwaukee is still a great city for a homeowner.

Wisconsin food prices

From beer to cheese, Wisconsinites love their local food. And luckily, it doesn’t break the bank to do so. Average grocery costs in Wisconsin are only 0.9 percent above the national average. Wisconsinites spend between $233 and $266 per person on food each month. That comes out to between $2,801 and $3,200 annually.

Food prices do vary by city, though. Here’s how food costs in these Wisconsin cities compare to the national average:

  • Green Bay is 6.9 percent below the national average
  • Milwaukee is 3.7 percent below the national average
  • Eau Claire is 0.5 percent below the national average
  • Marshfield is 0.3 percent below the national average
  • Madison is 2.7 percent above the national average

Madison is the most expensive city for food prices, while Green Bay is the least expensive. To illustrate that difference, a half-gallon of milk costs $2.38 in Madison. In Green Bay, it only costs $2.12. Want to buy a dozen eggs? It will cost you $1.48 in Madison and $1.32 in Green Bay. However, specific food costs don’t always reflect their citywide average. In Eau Claire, you’ll find the cheapest price for eggs at $1.16.

You’ll also be paying more to dine out in bigger cities. This is especially true of major foodie cities like Milwaukee and Madison. Going out for a three-course dinner for two at a nice restaurant in Madison will set you back $75. In Marshfield, a fancy date night out with your partner will only cost around $45.

Wisconsin utility prices

For the most part, you’ll be paying more than the national average for utilities like electricity, water and internet in Wisconsin. The costs for these services in most cities are slightly above nationwide rates. But, in other cities, it’s a few notches below the national average. That can come out to a pretty big dollar amount difference between cities. So considering the overall cost of utilities in different cities is important in determining where to live in Wisconsin.

For a brief overview of Wisconsin’s energy profile, the state gets the majority of its electricity from coal-powered plants. Natural gas and nuclear also make up a decent chunk of the electricity pie chart. Renewables represent a smaller portion, coming from hydroelectric and wind power primarily. Deep underground aquifers and lakes supply the majority of the state’s water.

Here’s how the cost of utilities in these Wisconsin cities compares to the national average:

  • Green Bay is 4.4 percent below the national average
  • Milwaukee is 4.4 percent above the national average
  • Marshfield is 3.4 percent below the national average
  • Eau Claire is 4 percent above the national average
  • Madison is 6.2 percent above the national average

With a total monthly energy bill of $197.82, Madison is the most expensive city for utilities. Green Bay is the cheapest, with total monthly energy costs coming out to $164.79. Wisconsinites also have a low average water bill of $18. The average statewide internet bill is $59.99. But, in some cities, it’s more expensive. In Madison, you’ll pay $72.50 for 60 megabits per second.

Wisconsin transportation prices

Most Wisconsin cities, towns and counties have some form of mass transit. The most extensive systems are found in major cities like Milwaukee and Madison.

Using public transportation like buses or light rail has many benefits. It can help you save money on gas, insurance costs and other vehicle expenses. If you live in a major city, it can cut down on commuting time and help reduce traffic. It’s also a more sustainable and eco-friendly mode of transportation. If you do need a car to get around, Wisconsin doesn’t have any toll roads.

Since the cost of transportation varies so widely between cities in Wisconsin, whether using public transit saves you money really depends on where you live. Let’s take a closer look at the differences in the cost of transportation in different Wisconsin cities:

  • Milwaukee is 9.5 percent below the national average
  • Marshfield is 9.2 percent below the national average
  • Madison is 3.3 percent below the national average
  • Eau Claire is 0.9 percent above the national average
  • Green Bay is 1.4 percent above the national average

All these cities have some form of public transportation. In Marshfield, a shared-ride taxi service called Running Inc. provides shared ride transit within the city limits. Adult fares are $5 per ride. This service does have limited hours, though. A fleet of buses provides mass transit to residents of Eau Claire for $1.75 per ride.

Let’s take a closer look at the bigger public transit systems in major cities like Milwaukee. We’ll also look at Green Bay, where public transit prices are the highest above the national average.

Metro Transit in Madison

Consisting of a fleet of buses, Metro Transit operates 47 bus routes throughout Madison and the surrounding suburbs. Single-ride adult fares are $2. You can purchase a full-day pass for $5 or a 31-day pass for $65. On routes servicing the University of Wisconsin campus, rides are free for anyone associated with the university.

With a transit score of 45, Metro Transit does a decent job of connecting the city through mass transit. However, this pretty city is also great to explore and navigate on foot. Madison boasts a high walk score of 64. Its bike score is even higher at 75. With a score that good, maybe the only wheels you need in Madison are a pair of bike wheels.

Green Bay Metro in Green Bay

Green Bay only scores a 31 for its public transit. This could be because the local provider offers limited routes. Green Bay Metro only operates 14 different bus routes. Some of these routes only have limited service. The cost of a single ride is $2 with no transfers. Day passes are available for $4 and a 30-day pass is $39. One benefit is that Green Bay Metro has free game-day routes during the National Football League season. Not only is this a nice show of community spirit, but it also improves public safety and access to the games.

Along with its transit score, Green Bay has low walk and bike scores. Its walk score is 45 and its bike score is 50. While certain parts of town are walkable or cyclist-friendly, the overall city isn’t well-connected enough.

MCTS in Milwaukee

With monthly parking costs averaging between $70 and $175, using public transit in Milwaukee is a great way to save money. The Milwaukee County Transit System provides bus-based public transit through Milwaukee city and county. It’s also the biggest transit agency in the state, with 60 bus routes and thousands of stops.

There are fare discounts if you pay using the system’s M-CARD or app. With the card, a single ride costs $2. Paying in cash costs $2.25. Day passes are $4 and $5, respectively, for card and cash. A 31-day pass is $72.

The Hop streetcar also provides mass transit around downtown and the city center. At the moment, it only has one 2-mile route. The Hop is a great option for visitors and residents who live or work in the city center. Best of all, riding the Hop is free.

With good connectivity and affordable rates, MCTS has a decent transit score of 53. If you want to live in a walk- and bike-friendly city, Milwaukee is a great option. It has high scores for both walking and biking, at 70 and 69 respectively.

Wisconsin healthcare prices

With the exception of Green Bay, you’ll be paying more than the national average for healthcare costs in Wisconsin. But with that high price tag comes top-quality care. As we mentioned above, Marshfield is home to the renowned Marshfield Clinic. The state also has many nationally- and internationally-ranked hospitals. It’s one of the healthiest states overall, as well. So, while healthcare costs are higher here, you also know you’re getting exceptional care.

We should also note that it’s difficult to determine average healthcare costs. This is because healthcare costs vary by person. Some people have to pay more for healthcare due to pre-existing conditions or more expensive prescriptions. Regard healthcare averages with a grain of salt as a result.

But to give you a rough overview, here’s how much a doctor’s visit costs in these different cities:

  • Green Bay: $168.75
  • Eau Claire: $178.28
  • Milwaukee: $181.67
  • Madison: $204
  • Marshfield: $207.70

Now, let’s see how overall healthcare costs in these cities compare to the national average:

  • Green Bay is 2.4 percent below the national average
  • Eau Claire is 13.9 percent above the national average
  • Milwaukee is 14.5 percent above the national average
  • Madison is 17.1 percent above the national average
  • Marshfield is 27.9 percent above the national average

Marshfield comes out on top as the most expensive city for healthcare. But once again, you’ll be receiving top-tier care from the Marshfield Clinic system. Marshfield is also among the top cities for expensive dentist visits, costing $100.50 for a dental check-up. Going to the dentist is the most expensive in Milwaukee at $127.50.

While healthcare costs here are high, you know you’re being extremely well taken care of at Wisconsin medical facilities.

Wisconsin goods and services prices

For various goods and services like getting a haircut or going to the movies, these costs bounce around a lot in different Wisconsin cities. Let’s see how the overall cost of goods and services in these cities compares to the national average:

  • Marshfield is 12.3 percent below the national average
  • Milwaukee is 6.2 percent below the national average
  • Green Bay is 1.1 percent below the national average
  • Madison is 3.3 percent above the national average
  • Eau Claire is 8.2 percent above the national average

Marshfield comes out on top with the least expensive goods and services. You’ll pay $15 for a haircut here compared to $19.32 in Eau Claire, which is the highest city above the national average. Milwaukee actually has the most expensive haircuts at $22.

But let’s look at that all-important Wisconsin item: How much does beer cost? The least you’ll pay for a six-pack is $7.82 in Milwaukee. The most expensive beer is $8.99 in Green Bay. Still pretty reasonable, but hey, as a big beer-loving state it does add up.

Wisconsin is a great place to raise a family, so you may need to consider childcare costs.

Childcare is pretty pricey around the state, but Green Bay is the most expensive. For a month of private preschool or kindergarten for one child, you’ll be paying $1,333.33. After Green Bay, Madison is $1,300 a month and Milwaukee is $1,250 a month.

Taxes in Wisconsin

Wisconsin has a statewide sales tax of 5 percent. If you go out and spend $1,000 on beer for a party, you’ll be paying $50 on top of that in tax.

Some counties and cities add extra sales tax on top of the statewide rate. Here’s what the total sales tax is in each of these cities:

  • Madison has a combined tax of 5.5 percent
  • Eau Claire has a combined tax of 5.5 percent
  • Marshfield has a combined tax of 5.5 percent
  • Green Bay has a combined tax of 5.5 percent
  • Milwaukee has a combined tax of 5.5 percent

All these cities and counties only add a 0.5 percent tax to the state rate. For that $1,000 spent on beer, the county sales tax brings that $50 up to $55.

How much do I need to earn to live in Wisconsin?

A good rule of thumb for figuring out if you can afford to live somewhere is to follow the 30 percent rule. While not a strict rule, it’s recommended by experts that you only spend 30 percent of your gross monthly income on rent or housing costs. This is to ensure that you cover your biggest monthly expense, which is usually housing, and still have plenty left over for other essentials like groceries.

The average rent in Wisconsin is $1,069. To only spend 30 percent of your gross monthly income on rent, you’d need to earn about $3,563 a month or $42,756 annually. The median household income in Wisconsin is $63,293, which is well above what you would need to earn to follow the 30 percent rule. This shows that it’s likely that most people are able to afford housing without straining their budget and can comfortably afford the cost of living in Wisconsin.

To find the right place in Wisconsin for your budget, use our rent calculator.

Living in Wisconsin

Beer, cheese and reasonable prices for things like housing. What could be better? With so much to offer, Wisconsin’s affordable cost of living is the icing on the cake. Living in this Midwestern state promises exciting opportunities, supportive communities and plenty of great beer and food.

Related Articles:

The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of July 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

Backpacking and camping are awesome frugal activities. It costs nothing to take a hike. It costs a bit more to camp overnight, but even that can be done inexpensively. While browsing the web for camping stuff, I stumbled upon a great list of frugal suggestions that were originally posted to the Usenet group rec.scouting on 03 December 1994!

According to the original poster:

These low-cost equipment/ideas/fixes for Scouting and camping in general [were] originally found on a F-Net Scouting board and [were] reposted on Fidonet on Nov 11/92 by Steve Simmons. The file evidently originated with BSA Troop 886 in the USA.

This list is HUGE. Here are my favorite ideas:

  1. Channel lock pliers make good pot holders.
  2. Nylon rope can be used as shoe laces.
  3. Use a large zip lock plastic bag, filled with air, as a pillow.
  4. A plastic bottle makes a good latrine for cold weather camping. (You don’t
    have to ‘go’ very far from your sleeping bag). Keep it just outside the tent flap.
  5. Carry several pieces of lumber cut into two-inch squares to summer camp and
    use these to level platform, tent, and cot.
  6. Old shower curtains make great ground tarps.
  7. Waterproof matches by dipping them in nail polish.
  8. Waterproof matches by dipping in melted paraffin.
  9. Make fire starters by filling paper condiment cups with saw dust and pouring
    paraffin into the cup.
  10. A length of chain and a piece of coat hanger bent into an S-shape will allow
    you to hang your lantern from a tree limb.
  11. Keep batteries in prescription bottles.
  12. Prescription bottles also make good match safes.
  13. In fact, prescription bottles (or 35mm file containers) make good storage places for small items of all sorts.
  14. A frisbee will add support to paper plates when the plate is placed inside
    the frisbee.
  15. Laundry lint makes good tinder.
  16. Keep the water in your canteen cooler by wrapping the canteen in foil.
  17. When it comes time to pack up at the end of a camp, a wet toothbrush, face
    cloth and bar of soap wrapped in foil won’t dampen the other things in your
    kit.
  18. To prevent batteries from wearing down if a flashlight is accidently nudged
    on while you’re traveling, put the flashlight batteries in backwards.
  19. To protect your feet from blisters, smear soap on the inside of your inner
    sock at the heel and underneath the toes. Carry along a bar of soap and,
    when you feel your feet become tender, give it a try.
  20. To keep mosquitoes away rub the inside of an orange peel on face, arms and
    legs.
  21. Wrap fishing gear in foil to keep line from tangling and hooks from rusting.
    By lining the compartments of a tackle box with foil, you can prevent rust
    damage to plugs and other equipment.
  22. To remove musty smell from canteen, put three teaspoons of baking soda into
    the canteen with a bit of water. Swish it around and let sit for an hour,
    then rinse out the canteen.
  23. An empty plastic soda bottle, cut off to a convenient height, will work as a
    camp bowl. You may want to sandpaper the cut to smooth the edge.
  24. Save inner cardboard tubes from kitchen and toilet rolls, stuff with waste
    paper and use as fire-lighters.
  25. Use zip-lock bags for mixing foods, be sure it is closed tight and the top
    is held shut before shaking or kneading.
  26. Duct tape can be used to repair most everything on a trip. Use it to patch
    tents, mend poles, hold up schedules, patch torn shoes, hold poles for
    mosquito nets to cots, etc.

If you like these, check out the entire list.

Source: getrichslowly.org

Apache is functioning normally

There are many benefits to living in the Southern state of Mississippi. Defined by the mighty Mississippi River on its western border, the state has beautiful natural landscapes that are both a playground for hiking, boating, fishing and more, as well as an abundant agricultural resource.

It’s famous for being the birthplace of blues music and its scrumptious Southern cuisine. Its small and mid-sized cities are diverse hubs for industry, music, art and culture, full of friendly, welcoming locals that are a big reason why Mississippi is known as the Hospitality State.

Living among all this is also very affordable, as the cost of living in Mississippi is below the national average. Whether you want to live in a city with outdoor access or a great live music scene, Mississippi has tons of different options to choose from. These cities also offer different price points for all kinds of budgets. If you’re considering moving to the Magnolia State, this in-depth look at the cost of living in cities around Mississippi will help you find the right fit for your lifestyle and budget.

Mississippi housing prices

Starting off with the cost of housing in Mississippi, the state is an attractive option for affordable housing costs. Total housing costs here are below the national average, even in the most populous cities. The average rent in most cities is below $1,000 for a one-bedroom, and the cost of buying a house here is similarly accessible.

To see how housing costs vary around the state, let’s look at the average rent and home prices in some major Mississippi cities.

Hattiesburg

Known as Hub City, Hattiesburg, in southeastern Mississippi, earned its nickname due to being a major crossroads for the railroad and lumber industries. Nowadays, it’s a hub for arts, dining, sports and higher education. It’s the home of The University of Southern Mississippi and is also close to Camp Shelby, which is the biggest U.S. National Guard training camp east of the Mississippi River. With such a diverse mix of industries and attractions, Hattiesburg appeals to both families and young adults. Nearby De Soto National Forest is a regional destination for hiking and outdoor recreation.

Although housing costs here are 38.3 percent below the national average, Hattiesburg has some of the highest average rents in the state. One-bedroom apartments cost around $997 a month, up 1 percent from last year. The average rent for two-bedroom units is up 2 percent to $1,250.

Hattiesburg has one of the cheapest housing markets in the state, with a median sale price of $84,000. Information about whether this rate has increased or decreased over the past year isn’t available.

Jackson

Located in the southwestern part of the state, Jackson is the state capital of Mississippi. It’s also the most populous city in the state with a population of 149,761. Along with affordable housing costs, locals here enjoy a vibrant cultural scene encompassing everything from blues music to numerous museums, as well as sports and outdoor recreation in state parks and on the Ross R. Barnett Reservoir.

The city has numerous sites along the Mississippi Freedom Trail and Mississippi Blues Trail, documenting the city’s key role in both the creation of blues music and the civil rights movement. Jackson also has several universities, the biggest of which is the HBCU Jackson State University. Overall, it’s a nice state capital to call home.

Housing costs here are 37.1 percent below the national average, and prices have actually gone down over the past year. The average rent for a one-bedroom apartment has gone down 12 percent from the previous year to $737. At $832 a month, the average monthly rent for a two-bedroom apartment is down 3 percent.

The housing market in Jackson is down 1.8 percent from last year, as well. Here, median sale prices for a house are $180,000. In comparison, the national median sale price is $428,379.

Meridian

Located in southeastern Mississippi, Meridian is another notable town in Mississippi’s music history. It was the hometown of the Father of Country Music, Jimmie Rodgers. Live music, art and culture are still alive and well here, with music festivals, grand theaters and museums. The city is also known for its great vintage shopping, family-friendly activities and lovely parks like Bonita Lakes Park.

Meridian’s overall housing costs are 31 percent below the national average. You can rent a one-bedroom apartment for $650 a month, which is 2 percent less than last year. Prices for two-bedroom apartments are up 9 percent from last year to $825 monthly. Overall, it’s one of the cheapest places to live in Mississippi.

With a median sale price of $20,450 and no known change in price from the previous year, Meridian’s housing market has the least expensive house prices of our highlighted cities.

Tupelo

With a population of 37,667, the small city of Tupelo in northeastern Mississippi is best known for being the hometown of the King himself, Elvis Presley. His childhood home is now preserved as a museum. On top of its Elvis fame, Tupelo has a vibrant arts and culture scene with museums, a symphony, community theaters and festivals. City parks like Ballard Park are throughout the town, and camping, hiking and other outdoor recreation are available at nearby lakes and state parks.

The cost of housing in Tupelo is 38.5 percent below the national average, with one-bedroom apartments available for an average rate of $595 a month. This rate has stayed consistent over the past year. However, the cost of two-bedroom apartments has gone up 24 percent to $840.

To buy a house in Tupelo, you’re looking at a median sale price of $121,000. Data isn’t available about how prices have changed over the previous year.

Mississippi food prices

From mud pies to soul food, the delicious local cuisine is one of the best parts of living in Mississippi. Both the Gulf Coast and the Mississippi River keep the state supplied with great fish like catfish and seafood like crawfish. You’ll also find barbecue, biscuits and other classic Southern staples on menus. Thanks to a diverse immigrant population, you’ll also find multicultural dishes like hot tamales, as well.

With so many tasty dishes and food items to spend money on, it’s a good thing that food costs in Mississippi are below the national average. Mississippi residents spend between $200 and $233 per person on food a month, which is between $2,400 and $2,800 a year. This puts the cost of living in Mississippi for food among the lowest in the U.S. Total grocery costs around the state are 6.9 percent below the national average, and some cities are even lower than that:

  • Tupelo is 13.1 percent below the national average
  • Meridian is 12.3 percent below the national average
  • Jackson is 2.6 percent below the national average
  • Hattiesburg is 2.8 percent below the national average

Let’s look at the cost of different food items in these cities to see how they compare. Tupelo and Meridian have the lowest-priced food items compared to the national average, and some items reflect this. A dozen eggs cost $1.57 in Meridian and $1.34 in Tupelo. You’ll be paying the most for eggs in Jackson at $1.96. For a half-gallon of milk, Tupelo is the least expensive at $2.14 while Hattiesburg is the most expensive at $2.78. However, not all food costs in Tupelo or Meridian will be the lowest among the four cities. Meridian has the second-highest price for steak in our highlighted cities at $13.15, while Tupelo is the cheapest at $11.14.

Mississippi utility prices

For basic utilities like water, electricity and internet, you’ll be paying below the national average in Mississippi.

Natural gas makes up the majority of Mississippi’s energy production. Coal and crude oil are other big energy production sectors. Mississippi is also the home of the Grand Gulf Nuclear Power Station. This single-reactor nuclear plant is the biggest generating capacity in the country, so nuclear power also makes up a decent chunk of Mississippi’s energy production. Along with groundwater resources, the Mississippi River is another major water supply resource for communities throughout the state.

The cost of utilities is below the national average throughout the state, but some cities are lower than others:

  • Jackson is 17 percent below the national average
  • Tupelo is 11.6 percent below the national average
  • Hattiesburg is 5.8 percent below the national average
  • Meridian is 5.7 percent below the national average

With total monthly energy costs of $132.78, Jackson is the least expensive city for energy costs in Mississippi. Both Hattiesburg and Meridian have roughly the same energy costs, but Meridian is slightly more expensive at $159.70. In Hattiesburg, you’ll pay $159.48. The average electric bill for the whole state is $135.67.

The average water bill in Mississippi is $23.

Mississippi transportation prices

Living in Mississippi, you’ll be paying below the national average for transportation costs. This includes private transportation like using a personal car, as well as public transportation. Since Mississippi is a largely rural state, having a car is a necessity here. If you do need a car to get around, Mississippi doesn’t have any toll roads.

However, all parts of the state have public transportation of some kind, with over 60 different providers. Using public transportation is a great way to save on transportation costs like gas or vehicle maintenance. It’s also more eco-friendly and reduces traffic congestion and commutes in bigger cities.

Here’s how transportation costs in these cities compare to the national average:

  • Jackson is 21.7 percent below the national average
  • Meridian is 9.4 percent below the national average
  • Tupelo is 8.2 percent below the national average
  • Hattiesburg is 4.3 percent below the national average

All these cities have some form of public transportation available to their residents. But bigger cities like Jackson and Hattiesburg have more extensive systems. Before we look closer at transit in these bigger cities, let’s do a quick overview of options in Tupelo and Meridian. Tupelo Transit offers on-demand bus public transit services around the city for $2 one-way and $4 round-trip. In Meridian, Choctaw Transportation offers weekday-only bus public transportation within the city limits. One-way fares are $3 and round-trip is $6.

Now, let’s see what residents of Jackson and Hattiesburg have in terms of public transportation.

JTRAN in Jackson

The JTRAN system in Jackson offers bus service transit along 11 different routes for the city of Jackson. It also has on-demand paratransit services. A one-way ride on a fixed-route bus costs $1.50. Weekly passes are $15 and a monthly pass costs $42. Transfers are free. Discounts are available for students, senior citizens and those with disabilities. Kids under the age of 5 ride for free, and with the exception of one-way $0.75 fares, kids between the ages of six and 14 ride for free, as well.

Since Jackson is a fairly spread-out city, using the bus or your own personal vehicle is the best way to navigate the city with ease. This is because Jackson has low scores for walkability and bikeability. Its walk score is 35 and its bike score is 37. While certain neighborhoods or city parks are pedestrian- or bike-friendly, the overall city isn’t.

Hub City Transit in Hattiesburg

With one-way fares of $0.50, Hub City Transit offers residents of Hattiesburg a low-cost way to get around town. Its bus fleet operates 7 different bus routes around the city, as well as an on-demand paratransit service. Discounts are available for qualified riders like senior citizens and children. City employees and students, staff and faculty of the University of Southern Mississippi ride free. Weekly and monthly passes aren’t available at this time.

With a low walk score of 37 and a bike score of 47, Hattiesburg isn’t the best city to explore or navigate by bike or foot. Using the bus or having your own form of transportation are the best ways to easily get around.

Mississippi healthcare prices

At first glance, it may look like you’ll be getting a great deal on healthcare prices in Mississippi. Here’s how much it costs to go to the doctor’s office in these different cities:

  • Jackson: $60
  • Tupelo: $75
  • Hattiesburg: $112.50
  • Meridian: $95

While Hattiesburg is the most expensive city for doctor’s visits, an average cost of $103.75 makes it the cheapest city to go to the dentist. Going for a cleaning and dental check-up costs the most in Jackson at $146. Right off the bat, we can see that dental costs are higher than general healthcare costs in Mississippi. This trend holds true for other cities, as well. It costs $107 to go to the dentist in Tupelo and $133 in Meridian. Tupelo is actually ranked nationally for its low healthcare costs.

Along with these average costs, total healthcare costs in most Mississippi cities are below the national average:

  • Tupelo is 8.8 percent below the national average
  • Jackson is 2 percent below the national average
  • Meridian is 0.5 percent above the national average
  • Hattiesburg is 0.3 percent below the national average

However, these healthcare costs require some context. First and foremost, it’s a challenge to determine average healthcare costs in a particular area because healthcare prices are different for everyone. Some people may pay more for their healthcare due to pricey medications or pre-existing conditions. So, just because the average doctor’s visit costs $60 in Jackson doesn’t necessarily mean that’s what you’ll pay.

Another important caveat is that even though Mississippi has low average healthcare costs, that doesn’t mean you’re getting the best care. Mississippi is ranked dead-last for healthcare in the United States across all categories. These categories are healthcare access, quality and overall public health. So, not only do Mississippi residents have low public health in general, but then, they lack good access to quality healthcare for treatment. If you have specific healthcare needs that require a specialized level of care, Mississippi’s poor healthcare record is something to consider.

Mississippi goods and services prices

Similar to most other costs of living categories, you’ll be paying below the national average for assorted goods and services in Mississippi. How much less depends on what city you live in:

  • Jackson is 13.9 percent below the national average
  • Tupelo is 9.5 percent below the national average
  • Hattiesburg is 5.6 percent below the national average
  • Meridian is 3.1 percent below the national average

Compared to the national average, Jackson is the least expensive city for goods and services. It’s the cheapest place to get a haircut, costing $18.67. At $26.63, Hattiesburg is the most expensive place to get a haircut. Movie tickets are $8.21 in Jackson compared to $11.24 in Hattiesburg. But Jackson doesn’t always have the lowest prices. It has the second-highest price for dry cleaning at $12.25, while Meridian has the cheapest at $11.06. Just because a city is lower or closer to the national average doesn’t mean all costs there will hold the same rank.

Taxes in Mississippi

Since taxes vary from state to state, it’s important to know what you’ll be paying for sales tax and income tax. Both have an impact on your budget and monthly spending.

Mississippi’s statewide sales tax rate is 7 percent. This rate is among the highest state sales tax rates in America. To put that amount in perspective, if you spend $1,000 shopping in Jackson, you’ll be paying $70 extra in sales tax.

Many Mississippi cities also add their own local sales tax on top of the statewide rate, bringing the overall sales tax up:

  • Jackson has a combined tax of 8 percent
  • Tupelo has a combined tax of 7.25 percent
  • Hattiesburg has a combined tax of 7 percent
  • Meridian has a combined tax of 7 percent

Jackson has the most expensive sales tax, bumping that $70 in sales tax up to $80 in sales tax for every $1,000 spent. Hattiesburg and Meridian don’t have any local sales tax, and Tupelo’s additional sales tax of .25 percent is a small step up from the statewide rate.

Currently, Mississippi has a graduated income tax ranging from 4 percent to 5 percent. However, the state recently enacted big cuts to income tax so those rates will be going down in the coming years.

How much do I need to earn to live in Mississippi?

Overall, Mississippi is an affordable state, with most costs falling below the national average. But does it fit your budget?

The cost of rent is the most important factor to consider when determining if you can afford to live in a particular state or city. This is because the cost of housing is usually the biggest monthly expense. To ensure a balanced budget with enough money left over for other necessities like food and fun activities like going out, experts recommend you only spend 30 percent of your gross monthly income on rent.

The average rent in Mississippi is $786, requiring a monthly income of $2,620 or an annual income of $31,440. The median household income in Mississippi is $46,511, showing that most households can afford the cost of the rent. However, annual salaries here range from $20,694 to $79,341, so some renters in lower-paid industries may struggle to only spend 30 percent of their income on housing if they live on their own.

Figure out what you can afford to pay in rent each month using our handy rent calculator.

Living in Mississippi

Mississippi’s overall low cost of living makes living here accessible to all sorts of budgets. It’s true that these lower costs could be a trade-off in quality, as the state ranks low in key areas like healthcare and education. But, depending on where you want to live, the pros could outweigh the cons. You’ll also get to live in friendly communities with great music, food and picturesque landscapes.

The Cost of Living Index comes from coli.org.
The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of August 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

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Are you ready to create your very own DIY shed without breaking the bank? Whether you’re in sunny Orlando, FL, dealing with the winds in Oklahoma City, OK, or facing the seasons in Rochester, NY, this step-by-step guide is here to help you construct a shed that perfectly suits your needs and location. We’ve got you covered with various shed models, ensuring your build is a success, no matter where you are, while fitting your lifestyle. 

How to build a DIY shed on a budget

From planning and design to installing doors and windows, here are the essential elements to ensure a successful and cost-effective shed-building journey.

1. Planning and design

Proper planning and design are crucial when building a DIY shed on a budget. Start by assessing your specific needs for the shed, whether it’s extra storage space, a workshop, or a place to pursue hobbies. By clearly defining its purpose, you can determine the ideal size and layout to minimize unnecessary expenses. Sketch out the shed’s design, considering practical aspects like door and window placements to ensure adequate light and ventilation. It’s essential to plan for cost-effective construction methods, such as simple roof designs and standard dimensions, to reduce material waste and expenses.

When planning cost-effective construction, opt for straightforward shed designs that don’t require complex angles or special tools. A rectangular or square shape with a single-pitched roof is not only easier to build but also more budget-friendly. Moreover, think about incorporating salvaged materials like old doors, windows, or reclaimed lumber into your design. Reusing materials can significantly cut costs while adding a unique touch to your shed.

For those looking for an even simpler and more budget-conscious option, DIY shed kits are worth considering. Shed kits typically include pre-cut and pre-measured materials, along with detailed instructions, making the construction process more accessible for beginners. These kits often come in various sizes and styles, allowing you to choose one that fits your needs and budget. While DIY shed kits may have a slightly higher upfront cost, they can save you time and labor, ultimately translating into potential cost savings.

Additional Tip: Before purchasing any materials or starting construction, check with local authorities about building permits and regulations. Compliance with local codes is essential to avoid potential fines or setbacks during the construction process. 

2. Acquiring materials

Consider using pressure-treated lumber, which is durable and resistant to decay, at a lower price point than premium lumber. Reclaimed or salvaged materials can be excellent options for siding, roofing, and finishing touches, adding character to your shed while reducing expenses. Explore local classifieds, online marketplaces, or salvage yards to find discounted or secondhand building supplies. Additionally, reaching out to friends, family, or local community groups might lead you to unused materials they’re willing to part with. Being resourceful in sourcing materials can significantly contribute to cost savings.

Here is a checklist of basic tools needed for shed construction:

  • Measuring tape and level for precise measurements
  • Circular saw or hand saw for cutting lumber
  • Power drill with various bits for drilling holes and driving screws
  • Hammer and nails for traditional fastening
  • Screwdriver for assembling components
  • Safety equipment (gloves, safety glasses, ear protection) for protection during construction
  • Ladder for reaching higher areas during the build
  • Carpenter’s square for ensuring accurate angles

By having these essential tools on hand, you’ll be well-equipped to handle the construction efficiently and avoid costly delays or trips to the hardware store for missing items.

3. Preparing the site

Begin by selecting a level area with good drainage to prevent water accumulation around the shed. Clear the site of any debris, rocks, or vegetation that may interfere with construction. If the ground is uneven, consider using a shovel or a rented plate compactor to level the surface. Installing a base or foundation is essential for elevating the shed above the ground to protect it from moisture. For budget-friendly options, consider using a gravel or concrete block base, which requires less material and labor compared to a full concrete slab. Make sure to follow local building codes and regulations regarding setbacks and property lines.

Before construction, it’s a good idea to check the local utility lines and mark their location to avoid accidental damage during digging. Additionally, consider adding a layer of landscaping fabric beneath the foundation to prevent weed growth and improve drainage. If the site is susceptible to heavy rainfall or flooding, you might also consider building a raised platform or using pressure-treated lumber for the foundation to protect the shed from moisture. Proper site preparation will not only provide a stable base for the shed, but also prevent potential problems and costly repairs in the future.

4. Building the foundation

Depending on your budget and site conditions, there are several cost-effective options available. One of the simplest and budget-friendly choices is using concrete blocks or pressure-treated lumber as piers, which elevate the shed off the ground and prevent direct contact with soil and moisture. Another budget-friendly option is a gravel foundation, consisting of compacted gravel or crushed stone, which provides good drainage and stability. Follow the shed’s design and local building codes to determine the number and placement of piers or gravel pads. Once the foundation is in place, double-check its levelness and stability before proceeding to the next steps.

Consider adding cross-bracing or additional support beams to enhance the stability of the foundation, especially if your area experiences high winds or seismic activity. When using concrete blocks as piers, ensure they are level and evenly spaced to evenly distribute the shed’s weight. For gravel foundations, it’s crucial to create a stable and well-compacted base to prevent sinking or shifting over time. 

5. Constructing the frame

The frame is the backbone of your shed, providing structural support and determining the shed’s overall strength. Use pressure-treated lumber or other cost-effective materials for framing components, such as joists, studs, and beams. The frame should follow the shed’s design and dimensions accurately, and all connections must be secure. Precisely cut the lumber according to your measurements and join the components using nails, screws, or appropriate hardware. Ensure the frame is square and level to avoid any structural issues down the line.

If you’re new to carpentry, take extra care when measuring and cutting the lumber to ensure accurate dimensions. Utilize a carpenter’s square to check for right angles, and consider using diagonal measurements to verify the frame’s squareness. Additionally, using galvanized or weather-resistant fasteners will enhance the frame’s durability and protect it from rust or corrosion.

6. Installing roofing and siding

When it comes to roofing and siding options for a budget-friendly shed, consider materials that offer durability without breaking the bank. Asphalt shingles are a cost-effective roofing choice, providing adequate protection against the elements. Metal roofing is another affordable option that offers longevity and easy installation. For siding, T1-11 plywood or oriented strand board (OSB) are economical choices that can be painted or stained for added protection and aesthetics. Alternatively, consider using salvaged materials or repurposed wood to create a rustic and budget-friendly exterior. Properly install the roofing and siding, paying attention to weather-proofing and sealing to ensure the shed remains dry and resistant to moisture.

To maximize cost savings, consider using a combination of new and salvaged materials for roofing and siding. Check local salvage yards or building material recycling centers for discounted or reclaimed materials that can be suitable for your shed. Additionally, apply weather-resistant barriers like roofing felt or house wrap beneath the roofing and siding to further protect the shed from moisture and drafts.

7. Adding doors and windows

Consider cost-effective options for doors, such as pre-hung exterior doors or repurposed doors from other projects. For windows, single-pane or salvaged windows can be more budget-friendly than high-end, energy-efficient models. Install weather stripping and proper sealing around doors and windows to minimize air leakage and improve energy efficiency. Additionally, consider positioning the doors and windows strategically to maximize natural light and ventilation within the shed.

If using salvaged doors or windows, ensure they are in good condition and provide adequate security and insulation for the shed. Applying a fresh coat of paint or stain can revitalize their appearance and extend their lifespan. For added security, consider installing simple and budget-friendly locking mechanisms or latches on doors and windows.

8. Finishing touches and interior

Install trim and moldings to cover any exposed edges and add a polished look. Apply a weather-resistant paint or stain to protect the exterior from the elements and prevent premature deterioration. Consider using leftover or salvaged materials for interior finishes, such as reclaimed wood for shelving or repurposed cabinets for storage. Organize the interior to maximize space and functionality, adding hooks, pegboards, or wall-mounted racks to keep tools and equipment neatly stored. Adding proper lighting, either through natural light from windows or affordable LED lighting fixtures, ensures a well-lit and functional workspace.

To further save on costs, explore creative DIY solutions for shelving and storage. Utilize old crates, pallets, or cinder blocks to create custom storage units. Additionally, consider using recycled materials or inexpensive alternatives for flooring, such as gravel or rubber mats, to create a comfortable and budget-friendly surface. 

9. Safety and security 

Regularly inspect the shed for any structural issues, such as loose nails or rotting wood, and address them promptly to prevent further damage. If your area experiences extreme weather, consider adding hurricane straps or anchors to reinforce the shed’s stability. Install a budget-friendly lock or latch on doors and windows to deter potential intruders and safeguard your belongings. In regions prone to pests, use weather stripping and sealant to close any gaps and prevent entry.

Incorporate additional safety measures such as smoke alarms or fire extinguishers, especially if you plan to use the shed for activities involving heat or flammable materials. If you have electrical outlets or wiring in the shed, ensure they are installed correctly and up to code to prevent potential fire hazards. 

Types of sheds

Here are a few examples of the different types of sheds and their purposes. 

1. Storage shed

The primary function of a storage shed is to provide ample space for storing various items, such as gardening tools, lawn equipment, bicycles, and seasonal decorations. Storage sheds typically have a simple design with single or double doors for easy access. They may include shelving, hooks, or pegboards for organizing and maximizing storage capacity.

2. Garden shed

A garden shed serves as a dedicated space for gardening activities, such as potting plants, storing gardening tools, and housing supplies like soil and fertilizers. Garden sheds often have workbenches or planting tables to facilitate potting and transplanting. They may also include windows or skylights to provide natural light for gardening tasks.

3. Workshop shed

Workshop sheds are designed as functional spaces for DIY projects, woodworking, or hobbies that require a dedicated workspace. Workshop sheds have sturdy workbenches or workstations with ample storage for tools and materials. They may have multiple electrical outlets and good lighting to support various projects.

4. Home office shed

Home office sheds provide a quiet and separate workspace away from the distractions of the main house, making them ideal for remote work or personal projects. Home office sheds are insulated and climate-controlled, with windows for natural light and ventilation. They often have space for a desk, chair, storage, and electrical outlets for electronic devices.

5. She shed

A she shed is a retreat space designed for relaxation, hobbies, or personal escape, providing a peaceful and private environment. She sheds are customizable and can include cozy seating, bookshelves, art supplies, or a mini-fridge for refreshments. The decor and furnishings are tailored to the owner’s preferences and interests.

Source: redfin.com

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This was an actual weekend harvest from our garden last August.

At Get Rich Slowly, we get many requests for information about starting a vegetable garden. This is huge topic, and really enough fodder for an entire website. If you’re a novice gardener you will benefit by asking yourself six questions before mail-ordering seeds or heading to your local nursery. Now is the time to do your research so that you’ll be ready for planting season.

Do you actually like to eat vegetables?

If not, focus on fruits and herbs, edible and ornamental flowers, and a favorite veggie or two. A well-tended garden will produce a lot of vegetables. If you are lukewarm about zucchini then pass up that beautiful seedling. (Or go introduce yourself to your five nearest neighbors so that you can share come July).

What is your gardening space like?

This is probably the most important question for the novice gardener. If you are starting from bare dirt or, more likely, a patch of lawn, you have some work to do. The plot needs to be evaluated for sun and wind exposure, moisture/drainage, soil pH and elemental content, pests, and other factors.

When we moved to the new house, J.D. used math to determine our garden location.

Crop gardens need a sunny spot. But remember that the angle of the sun in the summer months will be different than it is now. Nonetheless, try to watch over the next few weeks to determine where the sun hits your property. If I have to choose between morning sun and evening, I prefer morning sun — it is less intense, which means watering needs are decreased. Here in Portland, however, it’s hard to give a garden too much sun.

Get online and tap the resources at your local university’s extension offices. You can usually find them just by searching for your state’s name and “extension service”. Many states offer free soil testing, which will tell you how to amend the soil if nutrients or organic matter are lacking, or if the pH of the soil needs to be adjusted. Your county’s Master Gardener program may also offer this service. Each crop has an optimum pH growing range. We add acid for our blueberries and strawberries; kale and peas like a slightly alkaline soil. If your soil is close to neutral (pH 7), you can probably proceed as-is.

These tomatoes were started from seed in February.
In May they’re ready to be transplanted!

Even if your soil is terrible, you still have options. On a small scale, container gardening can be rewarding. A cherry tomato, well-watered, can do well in a large pot on a patio. Better yet, build some raised beds. These will require an initial investment for the soil to fill them and construction materials, but they provide better drainage, warmer soil temperatures in the spring (and thus earlier crops), and reduced weeding. (Please avoid pressure-treated lumber, though, there is some evidence that the toxic chemicals leach into the soil. Okay for a picnic table, but not for the dirt where your eggplant is growing!)

If this all seems rather intimidating, I encourage you to start small. Don’t roto-till the entire lawn under until you really decide that crop gardening is for you. If your gardening space is less than ideal but you’d like to take the plunge, perhaps one 6’x12′ foot raised bed is the perfect beginning. Or try growing herbs.

During our second summer, we tore up sod to expand the garden space.

Herbs are one of the most forgiving classes of plants to grow — almost as easy as weeds — especially the hardy perennial herbs. Except for excessively moist soil and total shade, almost any conditions will support herbs. They thrive in sunny, dry areas. Herbs are also some of the most frugal crops you can grow because they are outrageously priced at the grocery store and can be used to make even basic ingredients into a stand-out meal. It’s worth the cost to start with herb plants rather than seeds so that you can use them right away.

Perennial herbs like sage, rosemary, thyme, lemon verbena, mints, chives and oregano require very little work. Again, do your homework for your climate. And a word to the wise: some herbs are invasive. Mints have spreading roots that will take over your entire city block. They are best in a container with a solid bottom rather than planted directly in the ground. Others, like oregano and fennel, spread easily by dropping their seeds. If you want to avoid little fennel and oregano families, be sure to trim off the flowers before they go to seed.


Last year we added an herb garden.

Short term, long term, or both?

Plants generally fall into two categories: annuals or perennials.

Annual crops start from a seed, mature and bear fruit (or vegetable) in one season, then die. In our region, corn is an annual, as are cucumbers, watermelons, and tomatoes. Plants that can survive the winter to regrow for another crop season are typically perennials, Examples include asparagus, blueberries, artichoke, and rhubarb. This also applies to flowers, of course: sunflower (annual) versus rose (perennial). I tend to think of fruits in the perennial group: fruit trees and berries are perennials. Most vegetables (again, this is for my climate) are annuals. Obviously there are exceptions to this generalization, like the melon family.

To decide where to focus your gardening energies, you should know your climate zone. This will help you determine the length of your growing season and which annual crops are going to have time to ripen.

Perennials usually cost more than annuals initially (buying an apple tree sapling, for example), and will require patience. We planted asparagus two springs ago and are hoping for our first taste this April. But these plants are longer living, and give you bigger returns for relatively little work. Asparagus plants can live for twenty years before needing replacements; an apple tree may not bear a crop for the first five years, but may live to be one-hundred.

If you’re just getting your gardening feet muddy for the first time, I recommend annuals. Tomatoes are extremely rewarding, as are other salad fixings such as lettuce, spinach, cucumbers, radishes and carrots. Other easy crops to start with are beans, onions (or leeks/shallots), potatoes, and pumpkin (although this needs room to spread). Besides the instant gratification they provide, mistakes with annuals are easily corrected the next season without much expense. Did the birds eat all your peas? Try something next year to protect them. Has your corn crop failed? Next spring, try it in a sunnier place.


Our strawberry plants have spread like crazy in the past three years.

If you have enough space and the inclination, try a bit of both annuals and perennials. A strawberry patch won’t produce much the first year, but the plants will reproduce and spread to give you a bounteous crop. Dwarf fruit trees are a nice option if you are looking for an ornamental small tree; most have beautiful blossoms, too. And don’t forget those herbs!

We planted two apples, a pear, and prune. We also have a filbert and walnut.
(We never get many filberts — our yard is home to a Kingdom of Squirrels.)

Who are your gardening neighbors?

Tap those resources. Most gardeners love to talk about their plants. You can learn a lot about what works for your area by listening to their stories of success and failure. If you do a bit of pre-planning, you could also take part in a seed co-op. A typical tomato seed packet may hold 30 seeds — more than enough to split among four gardeners. Many vegetable starts are sold as single pots, but some come in six-packs that can be easily shared. With knowledge and experience, you can even harvest seeds from local gardens (with permission, of course) to plant the following spring. And if you’re lucky, when it’s time for the woman across the street to divide her lavender bush, she’ll share half with you!

Can you control yourself?

Most seed packets run only $2-$3, so they are tempting. But spending money and wasting your time on plants that won’t do well in your garden is an exercise in summer-long frustration. Evaluate your space and the soil and sun conditions. Learn to avoid catalog phrases such as “spreads quickly” or “freely self-sows” unless that’s what you really want. Don’t trust the catalog! The pictures are tempting, but they often show the plant only at its peak — what will it look like the rest of the time? Is it invasive? Poisonous? Hard-to-grow? Will it require constant maintenance? Use the internet and your library’s garden references to research seeds and plants before you buy them. I have found the internet to be a wonderful alternative to a knowledgeable nursery employee.

Do you have the time and money to grow your own food?

Gardening, initially, isn’t cheap. Besides plants and seeds, you’ll need garden tools, fertilizers, soil amendments, watering devices and a million other small things. But for those who savor its rewards, gardening is a labor of love. With time, and smart choices, having a kitchen garden does pay off financially. Herbs will pay for themselves quickly, and over the years, so will the berry bushes and canes, fruit trees and fresh vegetables. J.D. and I literally ate several hundred dollars of free homegrown berries this past spring and summer — all from a bit of our own labor, a few supplies and the investment of the canes and bushes. And that crop will only be bigger next year.

We’ve also dug up the lawn to plant grapes and caneberries.

Most gardens, even sizable ones, can be maintained with thirty minutes of work per day. Hoe weeds while they’re small, mulch properly, water wisely and be timely about harvesting. But if you let the garden tasks slip for a week or two, you may face a daunting task of huge weeds, spoiled crops or everything dead from lack of water. Gardening requires a time commitment if you want to reap the benefits.

Other Thoughts

If you are a beginning gardener, start small. Build on your successes. Be wise: it’s easy to dive in headfirst and then be overwhelmed. Research the plants you want to grow and the conditions they require, build a manageable raised bed if you’re starting from scratch, and use local resources to gain knowledge and cut costs.

Gardening requires a bit of seed money to begin, but the rewards are many! Healthier, fresher food, time in the great outdoors and a connection to nature, as well as engaging in an activity that can build community. And I haven’t even mentioned how much more excited kids are to eat their vegetables when they helped grow them or how people appreciate a homemade gift from the garden — whether a beautiful bouquet, and bunch of fragrant herbs, a fresh salad or a jewel-toned jar of jam.


In January fresh tomatoes are but a gardener’s dream.

Final Note

I recommend keeping your vegetable/fruit garden as organic as possible. One of the greatest benefits of growing your own is avoiding the pesticides (et al) on grocery-store goods. Insect diversity in your yard may be enough to keep pests in check; if you have an outbreak, simply try spraying with lightly soapy water, or other low-impact methods. If your soil is healthy and the plants are well-nourished, the plants will be strong and the bugs will be kept at bay.

This may not be practical in all climates, but here in Oregon, a few minutes each night hoeing will keep down the weeds, and the plants can take some munching by a bug or two once they’re established. With fertilizers, most choices are fine. I like an organic foliar spray — one that goes directly onto the leaves of my plants — but the crystalline concentrates that you mix with water can be fine as well, as long as your soil is already full of good organic matter and friendly worms.

Here are some additional resources:

Happy gardening!

Source: getrichslowly.org

Apache is functioning normally

Mortgage applications dropped for the second straight week — falling 2.2%, according to the latest report from the Mortgage Bankers Association.

The continued increase in mortgage rates is to blame, according to MBA’s Associate Vice President of Economic and Industry Forecasting Joel Kan. Rates have jumped north of 3%, with most recent reports showing it hovering around 3.5%.

New home applications are down as well, as builders are still suffering from missing construction crews and the skyrocketing price of lumber and building materials. Home prices in general are staying high, as well.

“Purchase market activity was up 5% from a year ago, as the recovering job market and demographic factors drive demand, despite ongoing supply and affordability constraints,” Kan said. “After reaching a recent high in the last week of January, the refinance index has since fallen 26% to its lowest level since September 2020.”

The refinance index decreased 4% from the previous week, and the overall index decreased 2%. The refinance share of mortgage activity decreased as well, to 62.9% of total applications from 64.5 % the previous week. The unadjusted Purchase Index, however, increased 3% compared with the previous week and was 5% higher than the same week one year ago.

“The purchase market helped offset the slump in refinances,” Kan said.

The FHA share of total mortgage applications increased to 11.7% from 11.6% the week prior. The VA share of total mortgage applications decreased to 10.3% from 11.1% the week prior.

Here is a more detailed breakdown of this week’s mortgage application data:

  • The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($548,250 or less) increased to 3.28% from 3.26%
  • The average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $548,250) remained unchanged at 3.34%
  • The average contract interest rate for 30-year fixed-rate mortgages increased to 3.25% from 3.20% — the second week in a row of increases
  • The average contract interest rate for 15-year fixed-rate mortgages increased to 2.67% from 2.63%
  • The average contract interest rate for 5/1 ARMs increased to 2.82% from 2.69%

Source: housingwire.com