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You may have heard that 20% is the ideal down payment on a house, but that doesn’t mean you must pony up that amount to become a homeowner. In truth, the average house down payment is considerably smaller. Currently, the median down payment for a house is 15%, according to data from the National Association of Realtors® (NAR).
Here, you’ll learn more about down payments so you can house-hunt like an insider. Getting a sense of what others are paying and how that differs based on geographic area is helpful. We’ll also share how you might access help if you can’t come up with 20%. Armed with this intel, you’ll be better prepared to navigate that major rite of passage: purchasing a home.
Table of Contents
Key Points
• The median down payment for a house in the US ranges widely from 10% to 35% of the purchase price.
• The amount of the down payment can vary based on factors like loan type, credit score, and lender requirements.
• A larger down payment can result in lower monthly mortgage payments and potentially better loan terms.
• Down payment assistance programs and gifts from family members can help with affordability.
• It’s important to save and plan for a down payment to achieve homeownership goals.
Average Down Payment Statistics
As of 2023, the median down payment for a house was 15%, or $63,908 if you consider that the median national home price in 2023 was $426,056, according to Redfin. This was up slightly from 13% in 2022, according to the NAR. (The median means half of buyers put down less and half put down more; it’s generally considered a better barometer than an average, because the latter can be thrown off by outliers — people who spend wildly more or less than usual.)
This 15% figure shows that the conventional wisdom that you need 20% down to purchase a home is, to a large extent, untrue. In fact, in an April 2024 SoFi survey of prospective homebuyers, many planned to put down far less than 20%. Almost a third of respondents (29%) said they planned to put down 10% or less, and 7% of those surveyed were exploring zero-down-payment options.
A 20% down payment will lower your mortgage amount and monthly payments vs. a smaller down payment, and will allow you to avoid private mortgage insurance (PMI), but it’s not the only game in town.
Average Down Payment on a House for First-Time Buyers
First-time buyers make about a third of all home purchases, and the typical down payment for first-time buyers in the NAR survey was 8%, while repeat buyers’ typical down payment was 19%. (Repeat buyers often have money from the sale of their first residence to put toward the purchase of their next one.)
Down Payment Requirements by Mortgage Loan Type
The amount of money you put down on a home may be governed in part by the type of mortgage loan you choose (and conversely, how much money you have saved for a down payment could dictate the type of mortgage you qualify for). Let’s take a look at the different loan types and their down payment requirements.
Remember that if you are buying your first home or you haven’t purchased a residence in three or more years, you may qualify as a first-time homebuyer and be eligible for special first-time homebuyer programs.
Conventional Loan
This is the kind of loan favored by most buyers, and for first-time homebuyers some conventional home loans can allow for as little as 3% down on a home purchase. A repeat homebuyer might need to put down a bit more — say 5%.
FHA Loan
An FHA loan, acquired through private lenders but guaranteed by the Federal Housing Administration, allows for a 3.5% minimum down payment if the borrower’s credit score is at least 580.
VA Loan and USDA Loan
These loans usually require no down payment, although there are still other hoops to jump through to qualify for one of these loans.
A VA loan backed by the Department of Veterans Affairs, is for eligible veterans, service members, Reservists, National Guard members, and some surviving spouses. The VA also issues direct loans to Native American veterans or non-Native American veterans married to Native Americans. For a typical VA loan borrower, no down payment is required.
A USDA loan backed by the U.S. Department of Agriculture is for households with low to moderate incomes buying homes in eligible rural areas. The USDA also offers direct subsidized loans for households with low and very low incomes. Typically, a credit score of 640 or higher is needed. While borrowers can make a down payment, one is not required.
Jumbo Loan
A jumbo loan is a loan for an amount over the conforming loan limit, which is set by the Federal Housing Finance Agency (FHFA). In most U.S. counties, the conforming loan limit for a single-family home in 2024 is $766,550. Minimum down payment rules for jumbo loans vary by lender but are generally higher than those for conforming loans. Some lenders require a 10% down payment, and others require as much as 20%.
For all of the above loan types, the home being purchased must be a primary residence in order to qualify for the minimum down payment, but a homebuyer can use a conventional or VA loan to purchase a multifamily property with up to four units if one unit will be owner-occupied.
Average Down Payment by Age Group
The latest NAR Home Buyers and Sellers Generational Trends Report breaks down by age the percentage of a home that was financed by homebuyers in 2023.
Older buyers tend to use proceeds from the sale of a previous residence to help fund the new home. Buyers 59 to 68 years old, for instance, put a median of 22% down, the NAR report shows.
Most younger buyers depend on savings for their down payment. Buyers ages 25 to 33 put down a median of 10%, and those ages 34 to 43, 13%. A fortunate 20% of the younger homebuyers (those age 25-33) received down payment help from a friend or relative.
Percentage of Home Financed
All buyers | Ages 25-33 | Ages 34-43 | Ages 44-58 | Ages 59-68 | Ages 69-77 | Ages 78-99 | |
---|---|---|---|---|---|---|---|
50% | 15% | 6% | 8% | 15% | 22% | 31% | 29% |
50-59% | 6% | 2% | 5% | 5% | 9% | 14% | 11% |
60-69% | 6% | 2% | 5% | 6% | 9% | 11% | 9% | 71-79% | 13% | 13% | 14% | 14% | 12% | 9% | 15% |
80-89% | 23% | 26% | 27% | 22% | 19% | 18% | 14% |
90-94% | 13% | 19% | 14% | 12% | 10% | 4% | 8% |
95-99% | 14% | 22% | 17% | 12% | 8% | 4% | 7% |
100% (financed the whole purchase) | 12% | 9% | 11% | 13% | 9% | 9% | 6% |
Average Down Payment by State
The average house down payment in any given state is tied to home prices in that location. You can look into the cost of living by state for an overview and then find the median home value in a particular state at a given point in time and estimate what your down payment might be.
The least expensive states in which to buy a home? Iowa, Oklahoma, Ohio, Mississippi, and Louisiana are among them, according to Redfin.
Average Down Payment On a House in California
California, the most populous state and one of the largest by area, is joined by Hawaii and Colorado on many lists of the most expensive states in which to buy a house. Redfin shows a median sales price of $859,300 in California in spring of 2024. A 3% down payment would be $25,779; 10% down, $85,930; and 20% down, $152,260. The Los Angeles housing market is among the toughest in California, with the median sale price up more than 10% in the last year to $1,050,000. You might want to check out housing market trends by city as well if you are interested in finding out where owning a home could be more or less expensive.
Hawaii comes out near the top with a median home price of $754,800. Three percent down would be $22,644; 10% down, $75,480; and 20%, $150,960. In Hawaii, the conforming loan limit is $1,149,825, a reflection of the state’s high home prices. If you need a mortgage for more than that amount in Hawaii, you’ll be in the market for a jumbo loan.
Recommended: How to Afford a Down Payment on Your First Home
First-time homebuyers can
prequalify for a SoFi mortgage loan,
with as little as 3% down.
Source of Down Payment
You’re probably wondering where homebuyers get the money to afford a down payment, especially first-time homebuyers. NAR has polled buyers to probe that question. Not surprisingly, more than half of buyers (53%) simply say they have saved up the money — which of course isn’t simple at all.
Savings is especially likely to fund a home purchase for those ages 25-33. Almost three-quarters of younger buyers rely on it for their down payment. Older buyers also use savings but are more likely to draw on the sale of a primary residence. This is especially true after age 59.
Other down payment sources include gifts from relatives or friends, sale of stock, a loan or draw from a 401K or pension, or an inheritance. For those who don’t have generational wealth or savings to rely on, first-time homebuyer programs can make home ownership possible.
City, county, and state down payment assistance programs are also out there. They may take the form of grants or second mortgages, some with deferred payments or a forgivable balance.
How Does Your Down Payment Affect Your Monthly Payments?
Curious to see what your potential mortgage would look like based on different down payments? Start with a home affordability calculator (like the one below) to get a feel for how much you’ll need to put down and other expenses.
Or use this mortgage calculator to estimate how much your mortgage payments would be, depending on property value, down payment, interest rate, and repayment term.
If Your Down Payment Is Less Than 20%
If your down payment will be less than 20%, you now know that you’ll have plenty of company. (In SoFi’s survey, 14% of would-be buyers said not having an adequate down payment was their primary challenge.) Consider these ways to optimize the situation:
• A government loan could be the answer: FHA loans are popular with some first-time buyers because of the lenient credit requirements. The down payment for an FHA loan is just 3.5% if you have a credit score of 580 or more. Just know that upfront and monthly mortgage insurance premiums (MIP) always accompany FHA loans, and remain for the life of the loan if the down payment is under 10%. If you put 10% or more down, you’ll pay MIP for 11 years.
• You may be able to improve your loan terms: If you can’t pull together 20% for a down payment, you can still help yourself by showing lenders that you’re a good risk. You’ll likely need a FICO® score of at least 620 for a conventional loan. If you have that and other positive factors, you may qualify for a more attractive interest rate or better terms.
• You can eventually cancel PMI: Lenders are required to automatically cancel PMI when the loan balance gets to 78% LTV of the original value of the home. You also can ask your lender to cancel PMI on the date when the principal balance of your mortgage falls to 80% of the original home value.
You may be able to find down payment assistance: City, county, and state down payment assistance programs are out there, and SoFi’s survey suggests they don’t get enough attention: About half (49%) of the homebuyers who said they were challenged to come up with a down payment hadn’t looked into city or state down payment assistance programs. The assistance may take the form of grants or second mortgages, some with deferred payments or a forgivable balance.
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Dream Home Quiz
The Takeaway
What is the average down payment on a house? Currently, it’s about 15% of the home’s purchase price, which usually means mortgage insurance and higher payments for the buyer. But buyers who put less than 20% down on a house unlock the door to homeownership every day. If you want to join them, you can be helped along by low down payments for first-time homebuyers, as well as government loans, down payment assistance, and other programs.
Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% – 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It’s online, with access to one-on-one help.
SoFi Mortgages: simple, smart, and so affordable.
FAQ
Is 10% down payment enough for a house?
Yes. More than a third of all buyers put down 10% or even less to buy a home. Lower down payments are especially common among younger and/or first-time homebuyers.
What is the minimum you should put down on a house?
Conventional wisdom says the minimum down payment is 20%, but most buyers put down less — 15% is far more common. Younger buyers and first-time homebuyers, especially, often put down far less and some home loans allow you to finance 97% or even 100% of the home’s cost.
What factors can affect my down payment requirements?
The amount of down payment you’ll need to come up with depends on your loan type, credit history and credit score, the cost of the property you’re buying, and whether you are a first-time homebuyer.
What are the pros and cons of putting down less than 20% on a house?
Putting down less than 20% on a house might allow you to buy a home sooner. It might also permit you to set aside money for renovations or to pay off other debts. The disadvantage is that those who put down less than 20% usually have to pay for private mortgage insurance which adds to their monthly costs. (Those with FHA loans who put down less than 20% will pay a mortgage insurance premium.)
SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.
*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.
†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.
SOHL-Q324-107
Source: sofi.com
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Cleveland is a city full of opportunities and challenges. Known for its culture, strong sports professional teams, and affordable cost of living, Cleveland has a lot to offer new residents and lifetime locals alike.
That said, every city has its fair share of downsides, and Cleveland is no exception. In this article, we’ll explore seven of the most impactful pros and cons of living in Cleveland, providing a detailed look at what you can expect if you decide to call this city home.
Cleveland at a glance
Walk Score: 57| Bike Score: 52 | Transit Score: 44
Median Sale Price: $125,000 | Average Rent for 1-Bedroom Apartment: $1,536
Cleveland neighborhoods | Houses for rent in Cleveland | Apartments for rent in Cleveland | Homes for sale in Cleveland
1. Pro: Affordable cost of living
Cleveland’s cost of living is significantly lower than the national average, making it an attractive option for budget-conscious residents. Housing prices are affordable, well below the national median of $432,849. Apartments in Cleveland follow a similar trend, going for around $1,589 on average.
2. Con: Harsh winters
While not one of the coldest cities in the U.S., one of the biggest drawbacks of living in Cleveland is its long, cold, and snowy winters. Thanks to its location near Lake Erie, Cleveland experiences heavy snowfall due to lake-effect snowstorms. Temperatures can drop well below freezing, and the city’s infrastructure often struggles to manage the snow and ice that accumulate throughout the season. For those who are not fond of winter weather, this could be a major drawback, as Cleveland winters often last from November until March.
3. Pro: Strong healthcare industry
Cleveland is home to some of the best healthcare facilities in the country, with the Cleveland Clinic and University Hospitals leading the charge. These institutions not only provide top-notch medical care but also offer ample employment opportunities for those in the healthcare field. Whether you’re seeking treatment from world-class doctors or looking for a job in a thriving medical community, Cleveland’s healthcare industry is a draw for many.
4. Con: Declining public transportation
While Cleveland’s public transportation system used to be stellar, it has seen a decline in recent years. The Greater Cleveland Regional Transit Authority (RTA) still offers bus and train services, but the routes are often limited, and many neighborhoods are underserved. Residents who rely on public transit may find it inconvenient, particularly if they live outside the city’s core. While driving is a common solution, it does add to commuting times and traffic, especially during rush hours and winter storms.
5. Pro: Elite entertainment options
Cleveland’s culture sets the standard for large Ohio cities. The city is home to the renowned Cleveland Museum of Art, Playhouse Square (one of the largest theater districts in the country), and the Rock and Roll Hall of Fame. Cleveland’s sports teams, including the Cleveland Browns (NFL), Cleveland Cavaliers (NBA), and Cleveland Guardians (MLB), have passionate fan bases, providing year-round entertainment for sports fans. Needless to say, there’s always something to do in Cleveland.
6. Con: Aging infrastructure
Like many older cities, Cleveland faces challenges with its aging infrastructure. Roads, bridges, and public buildings often require repair, leading to large-scale construction projects and delays. While the city is working to improve its infrastructure, these efforts can feel slow, and the ongoing construction can be a nuisance for locals, particularly drivers who may face detours or pothole-filled roads.
7. Pro: Thriving food scene
Cleveland’s food scene has exploded in recent years, with a variety of restaurants offering everything from fine dining to casual eats. The city is known for its ethnic diversity, with neighborhoods like Little Italy, Tremont, and Ohio City offering authentic global cuisine. From Polish pierogies to Hungarian pastries, there’s no shortage of unique dining experiences. Cleveland also has a growing craft beer scene, with local breweries, like Bookhouse Brewery, becoming popular spots for residents to kick back and stay connected.
Source: rent.com
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1. Dublin
Known for: Friendly community, excellent schools, and outdoor spaces
Dublin is one of the most popular suburbs of Columbus, known for its top-rated schools and well-planned communities. Located northwest of downtown Columbus, Dublin offers an array of parks and outdoor recreational areas, including the scenic Indian Run Falls and the Dublin Community Recreation Center. The city is also home to several corporate headquarters, making it a hub for business professionals. The annual Dublin Irish Festival draws visitors from all over, adding a unique cultural element to this suburb.
Population: 49,000
Average rent for a one-bedroom apartment: $1,678
Median home sale price: $587,500
Dublin transportation scores: Walk Score 17, Bike Score 45
Apartments for rent in Dublin, OH | Houses for rent in Dublin, OH | Homes for sale in Dublin, OH
2. Westerville
Known for: Historic charm, community-oriented atmosphere, and proximity to Otterbein University
Westerville, northeast of Columbus, is known for its blend of historic charm and modern living. The downtown area is filled with unique shops, local eateries, and historic landmarks. Westerville’s community-oriented atmosphere makes it a sought-after location, and it’s home to Otterbein University, which adds a vibrant energy to the area. The Hoover Reservoir Park is a major attraction, offering boating, fishing, and hiking opportunities for outdoor enthusiasts.
Population: 40,000
Average rent for a one-bedroom apartment: $1,349
Median home sale price: $407,000
Westerville transportation scores: Walk Score 28, Bike Score 50
Apartments for rent in Westerville, OH | Houses for rent in Westerville, OH | Homes for sale in Westerville, OH
3. New Albany
Known for: Luxury living, scenic beauty, and high-end amenities
New Albany is one of the most affluent suburbs in the Columbus metropolitan area. Located just northeast of Columbus, this suburb is known for its luxury homes, well-maintained parks, and the New Albany Country Club. New Albany offers a picturesque living environment with beautifully landscaped streets and homes, attracting professionals seeking upscale living. The area also boasts a strong arts community, with the Jeanne B. McCoy Community Center for the Arts hosting regular events and performances.
Population: 11,000
Average rent for a one-bedroom apartment: $1,503
Median home sale price: $745,000
New Albany transportation scores: Walk Score 59, Bike Score 46
Apartments for rent in New Albany, OH | Houses for rent in New Albany, OH | Homes for sale in New Albany, OH
4. Grove City
Known for: Small-town feel, growing amenities, and convenient access to Columbus
Grove City is a growing suburb located southwest of Columbus. Known for its small-town charm and sense of community, Grove City has been expanding its retail and dining options to meet the needs of new residents. The town offers an array of parks, including Fryer Park, which features a pond, sports fields, and a space-themed playground. Grove City’s proximity to downtown Columbus makes it an attractive option for commuters seeking a suburban lifestyle with easy access to the city.
Population: 42,000
Average rent for a one-bedroom apartment: $1,364
Median home sale price: $375,000
Grove City transportation scores: Walk Score 27, Bike Score 48
Apartments for rent in Grove City, OH | Houses for rent in Grove City, OH | Homes for sale in Grove City, OH
5. Upper Arlington
Known for: Quiet neighborhoods, tree-lined streets, and proximity to Ohio State University
Upper Arlington, located just west of downtown Columbus, is a well-established suburb known for its quiet, tree-lined streets and strong sense of community. The suburb offers easy access to Ohio State University, making it a popular choice for university staff and students. Upper Arlington is also home to several parks, including the Scioto River Trail, which provides scenic views of the water. With a variety of housing options, from mid-century homes to modern apartments, Upper Arlington is ideal for those looking for a peaceful yet connected lifestyle.
Population: 36,000
Average rent for a one-bedroom apartment: $1,533
Median home sale price: $585,000
Upper Arlington transportation scores: Walk Score 45, Bike Score 49, Transit Score 26
Apartments for rent in Upper Arlington, OH | Houses for rent in Upper Arlington, OH | Homes for sale in Upper Arlington, OH
6. Powell
Known for: Scenic beauty, boutique shopping, and historic downtown
Powell is a picturesque suburb located north of Columbus, known for its boutique shopping and historic downtown district. The town’s scenic beauty is enhanced by nearby nature reserves and parks, including the Highbanks Metro Park. Powell is a perfect blend of suburban living with access to nature and city amenities. The historic downtown area offers a variety of local shops, restaurants, and seasonal events, making Powell a vibrant yet peaceful community.
Population: 13,000
Median home sale price: $608,000
Powell transportation scores: Walk Score 68, Bike Score 66
Apartments for rent in Powell, OH | Houses for rent in Powell, OH | Homes for sale in Powell, OH
Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the Columbus area. Average rent and home sale price data were sourced from Redfin and Rent.com as of October 2024. Transportation data, including Walk Scores, Bike Scores, and Transit Scores, was sourced from Walk Score.
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Penn’s efforts will extend to place-based initiatives in cities like Philadelphia, Columbus, Ohio, and Memphis, Tennessee, where MBA is working to improve housing affordability. She will also collaborate with consumer advocacy groups, civil rights organizations, and affordable housing stakeholders to tackle the complex challenges facing the housing market today. Before joining MBA, Penn spent over … [Read more…]
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“Licensees hold a position of trust in our communities and with this agreement, Colorado consumers will be protected from future harm,” Marcia Waters, the director of DORA’s Division of Real Estate, said in a press release. “All members of the public should be informed of the importance and long-standing ramifications of executing any documents which … [Read more…]
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Economic topics took center stage in the vice presidential debate Tuesday night between Ohio Sen. JD Vance and Minnesota Gov. Tim Walz. The candidates defended their tickets while debating intensely on inflation, housing, child care and health care.
The debate, held in New York City and hosted by CBS, gave Walz and Vance the opportunity to more clearly define themselves to voters, as both were thrust quickly into the national stage this summer. In contrast to the presidential debate three weeks ago between former President Donald Trump and Vice President Kamala Harris, the vice presidential debate was strongly focused on policy.
Also unlike the first debate between Trump and Harris, the Walz-Vance debate remained civil and sometimes agreeable. The pair even found common ground in the fact that both have made public misstatements in the past — Vance in his prior condemnation of Trump and Walz incorrectly stating that he had been in Hong Kong during the 1989 Tiananmen Square massacre.
But it was still a debate between candidates with stark conflicting views on most issues, especially abortion and immigration. They used their time to attack the others’ rivals at the top of the ticket. The biggest moment of tension between the two men came when Walz confronted Vance about whether he believed that Trump lost the 2020 election — Vance bypassed the question and instead pivoted to a claim about pandemic-related censorship on Facebook.
As Walz and Vance supported their respective running mates, here’s what they had to say on some key economic issues:
The economy
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Vance said Harris has already had the time to enact her policy plans, some of which he said “even sounds pretty good”: “If Kamala Harris has such great plans for how to address middle-class problems, then she ought to do them now.”
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Walz attacked Trump for his contributions to the state of the economy the Biden-Harris administration inherited. He said: “We were already, before Covid, in a manufacturing recession — about 10 million people out of work, largest percentage since the Great Depression.”
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Walz also gave his appeal to voters when it comes to Trump’s tax policies: “How is it fair that you’re paying your taxes every year and Donald Trump hasn’t paid any federal tax in the last 15 years?”
Housing affordability
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Harris wants to increase housing production and encourage first-time home buying through downpayment support. Walz supported Harris’ plans and attacked Trump’s plan to seize federal lands
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Trump wants to make housing more affordable by seizing federal lands, providing tax incentives and deporting immigrants. Trump has stated many times that migrants have driven up competition and increased housing prices — this claim is false, but Vance said he would share evidence after the debate via social media. Vance said that one of the strategies for lowering housing costs (in addition to Trump’s plan to deport migrants) would be lowering energy prices.
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The VP candidates did agree on one thing, sort of. Walz said “The problem we’ve had is that we’ve got a lot of folks that see housing as another commodity.” Vance also said “We should get out of this idea of housing as a commodity,” before returning to more rhetoric related to immigration.
Health care
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Vance promised to cover preexisting conditions if Trump is elected.
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Walz spoke about Trump’s opposition to the Affordable Care Act and his attempts to repeal it during his time in office.
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On abortion, Vance rebuffed the conjecture that he supported a national ban on abortion, although he did support a bill that would have done just that in 2022. He added that he wants the Republican Party to be pro-family: “I want us to support fertility treatments. I want us to make it easier for moms to afford to have babies.”
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Meanwhile, Walz fiercely denied Trump’s accusation that he supports abortion in the ninth month of pregnancy.
Child care
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Vance claimed that Trump’s plan to levy a 10% tariff on all foreign imports (with up to 60% for Chinese imports and 100% for vehicle imports from Mexico) would bring in money that would help bring down child care costs. Walz disagreed and said the tariffs would raise prices, which has been backed up by economists from all over the spectrum, including the nonpartisan Tax Foundation.
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Walz said Harris would make a paid family leave a priority. “A federal program of paid family medical leave and help with this will enhance our workforce, enhance our families and make it easier to have the children that you want.” Vance said there is a bipartisan solution to child care.
There are no additional debates scheduled for either the presidential or vice presidential candidates.
By midnight on the East Coast, the Polymarket, a prediction market platform, projected a 65% chance that upcoming polls will show Vance won the debate.
Photo by Chip Somodevilla/Getty Images
Source: nerdwallet.com
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Epic Ski Pass holders get access to several Epic resorts and partner resorts around the world. Think of it like a membership: Buy it once, use it all winter.
Most participating resorts are in the U.S., but there are also a handful in Canada and Australia plus partner resorts in Europe, Japan and the Canadian Rockies (plus one in the U.S.) that offer limited access to certain pass holders. Depending on when you purchase your pass, you may even get summer lift access, too, which could include lift-accessed mountain bike parks or scenic lift rides.
If you’re planning to ski multiple days this season, the cost of a pass could be much cheaper than paying for daily access. But blackout dates and limits to when you can visit might apply. Make sure your favorite local resort is included in the pass before purchasing.
Where are Epic Pass resorts?
Epic Pass mountains and resorts are located all over the world, with the majority in the U.S.
U.S. Rockies:
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Vail, Colorado.
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Beaver Creek, Colorado.
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Breckenridge, Colorado.
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Keystone, Colorado.
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Crested Butte, Colorado.
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Park City, Utah.
Western states:
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Heavenly, California/Nevada.
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Northstar, California.
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Kirkwood, California.
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Stevens Pass, Washington.
Northeastern states:
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Stowe, Vermont.
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Okemo, Vermont.
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Mount Snow, Vermont.
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Mount Sunapee, New Hampshire.
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Attitash Mountain Resort, New Hampshire.
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Wildcat Mountain, New Hampshire.
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Crotched Mountain, New Hampshire.
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Hunter Mountain, New York.
Mid-Atlantic (Pennsylvania):
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Liberty Mountain Resort, Pennsylvania.
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Roundtop Mountain Resort, Pennsylvania.
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Whitetail Resort, Pennsylvania.
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Jack Frost and Big Boulder, Pennsylvania.
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Seven Springs, Pennsylvania.
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Laurel Mountain, Pennsylvania.
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Hidden Valley, Pennsylvania.
Midwest:
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Afton Alps, Minnesota.
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Mt Brighton, Michigan.
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Wilmot, Wisconsin.
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Alpine Valley, Ohio.
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Boston Mills/Brandywine, Ohio.
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Mad River Mountain, Ohio.
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Hidden Valley, Missouri.
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Snow Creek, Missouri.
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Paoli Peaks, Indiana.
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Whistler Blackcomb, British Columbia.
Australia:
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Perisher, New South Wales. (2025 access.)
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Falls Creek, Victoria. (2025 access.)
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Hotham, Victoria. (2025 access.)
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Andermatt-Sedrun-Disentis, Switzerland.
Partner resorts (limited access) in Europe, Canada, the U.S. and Japan:
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Rusutsu, Japan.
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Jigatake Snow Resort, Kashimayari Snow Resort, White Resort Hakuba Sanosaka, ABLE Hakuba Goryu, Hakuba 47 Winter Sports Park, Hakuba Happo-one Snow Resort, Hakuba Iwatake Snow Field, Tsugaike Mountain Resort, Hakuba Norikura Onsen Snow Resort and Hakuba Cortina Snow Resort, all located in Hakuba Valley, Japan.
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Telluride, Colorado.
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Fernie Alpine Resort, Canada.
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Kicking Horse Mountain Resort, Canada.
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Kimberley Alpine Resort, Canada.
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Mont-Sainte-Anne, Canada.
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Nakiska, Canada.
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Stoneham, Canada.
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Crans-Montana, Switzerland.
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Verbier 4 Vallées, Switzerland.
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Ski Arlberg, Austria.
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Skirama Dolomiti, Italy.
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Les 3 Vallées, France.
Epic Pass costs and options
Epic Pass: $1,025
If you want nearly unlimited access to all Epic Pass resorts with no blackout dates during peak times (usually holidays), the classic Epic Pass is the one for you.
You’ll get unlimited access to most U.S., Canadian and international resorts. But Telluride in Colorado, several Canadian destinations and participating Japanese resorts still come with a cap on how many days in the season you can visit. Since it’s the most inclusive pass option, it’s also the most expensive.
Epic Local Pass: $762
Geared toward U.S. residents who may occasionally travel internationally to ski, the Epic Local Pass offers unlimited access to several resorts across the U.S. and limited days at international resorts. Some U.S. slopes don’t allow visits on peak days, though, so check to see if your favorite mountains come with limitations, especially if you’re planning to travel over the holidays.
Epic Day Pass: Starts at $46 per day
This flexible option allows you to buy a day pass (for one day up to seven) for use whenever it’s convenient. You can choose if you want those days to give you access to all Epic resorts or just a selection and if you want the pass to include peak dates (which costs more). Which you choose will depend on when and where you plan to travel to ski or ride.
Purchasing a pass this way scores you lift tickets at a discount up to 65% off. Epic says that works out to between $46 and $135 per day depending on your selections, meaning you could score yourself a pretty decent discount depending on what resorts you plan to visit.
Military passes: Start at $181
Whether you’re active military, retired military, a dependent or a veteran, there are several discounted passes available with unlimited access to a wide selection of resorts.
Area- and resort-specific passes: Start at $334
For those who don’t plan to travel far to ski or snowboard, there are several resort- or region-specific passes available. For example, the Tahoe Local Pass offers unlimited access to a handful of California resorts, plus extra days at a few destinations in Western states.
The Northeast Value Pass gets you access to slopes in New England, Pennsylvania and the Midwest. Several dedicated resort-specific passes are available, too, if you plan to always ski close to home.
How to use an Epic Pass
To use an Epic Pass, download the My Epic app then scan your phone in lieu of a traditional lift ticket. That means you can skip the ticket line and head straight to the lifts at most resorts (except Telluride, which requires reservations).
The app also will keep track of days skied and any date restrictions associated with the pass you chose.
Other benefits of the Epic Pass
In addition to users getting access to often unlimited lift tickets by purchasing a pass before the season starts, the Epic Pass comes with a slew of other benefits at select resorts:
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20% off food at many on-resort dining establishments.
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20% off resort lodging.
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20% off group ski or snowboard lessons.
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20% off rental equipment.
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50% off a tune-up and one free wax a year.
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Discounted single-day lift tickets or Buddy Tickets for friends or family (with select passes).
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Discounts on transportation and experiences at a handful of locations.
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Pass coverage: You may be able to get a refund or partial refund if you lose your job, a resort closes or you get injured, thus limiting your ability to use your pass.
Is an Epic Pass worth it?
For many skiers, yes. But it depends on several factors — mainly, how often you’ll be able to use the pass and if it’s convenient for when and where you ski or snowboard.
Here’s what to consider before purchasing:
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Location. Are any of the resorts near you part of the Epic Pass program? If not, and you’re not planning to travel to any that are, then you probably want to pass on this pass. If, however, your favorite hometown slope is included, and you plan to spend more than a few days layering up and strapping in in search of fresh powder or want to travel for a ski vacation, a pass could likely save you money.
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Frequency. The more days per season you ski or ride, the more the cost of a pass will be worth it. But even if you plan to ski or ride only a few days throughout the season, a day pass could likely save you quite a bit of cash compared to a full-priced lift ticket, so it’s worth considering, especially if you live near an Epic resort.
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Blackout dates. Keep in mind, too, whether the pass and included resorts allow you to claim lift tickets on peak days like Thanksgiving and Christmas. If you’re hoping to ski during the holidays, this is extra important.
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Finances: Don’t go into debt for a season-long ski pass. Whether you choose to pay in full or use Epic’s buy now, pay later option, make sure your finances are in good enough shape for large transactions or automatic withdrawals. If they’re not, stick with saving up and paying on just the days you want to ski.
For the best value, make sure you scan the list of passes available and choose one that makes the most sense for you. There’s no need to spend big bucks on a full-blown Epic Pass if a regional or local pass will suit your needs.
How to maximize your rewards
Source: nerdwallet.com
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As the Nov. 5 election looms, Vice President Kamala Harris and former President Donald Trump offer starkly different visions for student loan policy at a time when the topic is top of mind for voters.
More than one in five student loan borrowers (22%) say that student loan forgiveness is one of the most important issues when choosing a presidential candidate, according to a recent NerdWallet survey conducted online by The Harris Poll. Both parties are thinking about the issue: 43% of Democrats and 30% of Republicans say student loan repayment will impact their vote, per the recent 2024 EdAssist by Bright Horizons Education Index.
The official Democratic and Republican platforms, along with past statements, actions and related policy documents, indicate how each candidate may approach student loans if elected to the White House.
Harris and her running mate, Minnesota governor Tim Walz, would likely continue to champion the student loan efforts started under President Biden, who has erased $168.5 billion in student loan debt for 4.76 million borrowers while in office. His administration did so largely by improving existing student loan forgiveness programs.
If Trump and his vice president pick, Ohio senator JD Vance, win the White House, borrowers can expect a reigning in of relief and forgiveness programs.
“On the Trump side, this is someone who, as president, consistently proposed big cuts to all federal education funding, but especially to programs that would help students and student loan borrowers,” says Michelle Dimino, director of education at the center-left think tank Third Way. “On the Harris side, we have a history of supporting increases for Federal Student Aid and consumer protections for borrowers.”
(Neither campaign responded to multiple NerdWallet requests to comment on their student loan positions.)
Project 2025, a 900-page playbook for the next Republican president overseen by the conservative Heritage Foundation, also offers clues about what a Trump presidency could mean for student loan borrowers, even though Trump’s campaign has tried to distance itself from the document.
“It’s still very much put forward as a Republican Party conservative viewpoint on education, and so I think it includes a lot of policy proposals that there would be a lot of lobbying to get a potential Trump administration to implement,” says Katharine Meyer, a fellow in the Governance Studies program for the Brown Center on Education Policy at Brookings, a nonpartisan think tank.
From repayment plans and loan forgiveness to affordable degrees and community college, here’s where Harris and Trump stand on issues impacting student loan borrowers.
Broad student loan forgiveness
However, an incoming presidential administration still has power to sway the effort in their desired direction and to drive the appeals process, Dimino says.
“I think certainly a Harris administration would be working to continue to defend that effort for as long as they can, continuing the appeals process and being as aggressive as they can be to safeguard that,” she says.
Trump would most likely not support the forgiveness plan, echoing the Republican party’s opposition to student loan forgiveness. Republican-led states filed lawsuits that took down Biden’s original student loan forgiveness plan of up to $20,000 per borrower in 2023, along with lawsuits currently circling the SAVE repayment plan and Biden’s forgiveness “plan B.”
“In the past, [Trump] has been supportive of student loan cancellation. It was in his campaign eight years ago, which was really inconsistent with the Republican Party’s platform at that time,” says Beth Akers, senior fellow focused on the economics of higher education at the American Enterprise Institute, a center-right think tank. “Things have changed a lot since then, and I would anticipate that a Trump presidency would not be pushing on continuing to use any existing authorities to cancel student debt, instead maybe a reining in of the programs, working potentially with lawmakers on Capitol Hill to create some of the reforms that conservatives now think are necessary in order to get the student loan program back into a functional state.”
SAVE and other income-driven repayment plans
Like Biden’s forgiveness plan B, the SAVE repayment plan faces lawsuits, with its future largely dependent on the courts. However, if elected, Harris would likely vigorously defend the plan in court, Dimino says.
Meanwhile, Trump is likely to support the dissolution of SAVE. “Certainly in a Trump administration, there would be every effort to enact regulations striking down SAVE, even if it were ruled constitutionally appropriate,” Meyer says. “This sort of regulatory whiplash happens with every presidential transition in nearly every area of policy where the parties disagree.”
Instead of SAVE and other existing income-driven repayment (IDR) plans, Project 2025 calls for a single IDR option that would generally increase monthly payments for borrowers relative to SAVE and other current options. It would also aim to remove the loan forgiveness option; under current IDR plans, borrowers can get forgiveness after 20 or 25 years of payments.
“While income-driven repayment (IDR) of student loans is a superior approach relative to fixed payment plans, the number of IDR plans has proliferated beyond reason,” the document says. “And recent IDR plans are so generous that they require no or only token repayment from many students.”
A family of four that earns $50,000 a year would have a $0 monthly payment under SAVE. But under the Project 2025 IDR plan, that family’s payment would be about $156 per month, Meyer says.
Public Service Loan Forgiveness
Teachers, doctors, firefighters, police officers, military members, government employees and and other nonprofit workers benefit from the Public Service Loan Forgiveness (PSLF) program, which erases your remaining federal student debt after 10 years of public service and 120 monthly student loan payments.
“Under the Biden-Harris administration, we’ve seen some of the biggest Public Service Loan Forgiveness loan discharges ever. They’ve tried to make the process easier. They streamlined the application, making it easier to recertify with your employers, so taking down some of those administrative barriers to accessing PSLF relief,” Dimino says.
In June, the Education Department also began an effort to expand PSLF eligibility to early childhood educators who don’t necessarily work for nonprofits. Under a Harris presidency, borrowers can expect the government to continue prioritizing PSLF access, Dimino says.
As president and on the campaign trail, Trump has called for restricting loan forgiveness overall and making PSLF harder to access, Dimino says. “It makes a less certain future for folks who have been working toward forgiveness,” she adds. At one point in 2019, the Education Department rejected 99% of PSLF applications, according to a report from the Government Accountability Office.
Project 2025 goes even further, calling for the program first introduced by Republican President George W. Bush in 2007 to shutter: “The Public Service Loan Forgiveness program, which prioritizes government and public sector work over private sector employment, should be terminated.”
Community college, trade school and free tuition
“Both Democrats and Republicans are having to return to this idea that college should deliver something to students,” Akers says. “It used to be, ‘college is just this golden ticket, it’ll take me somewhere magical, and that’s good enough.’ But now I think Americans are like, ‘wait a minute, what’s the ROI on this investment? What am I getting, and what’s the opportunity?’”
The Harris campaign platform pledges to “make trade school and community college free for every American” and says it’s working to subsidize tuition at Minority Serving Institutions (such as Historically Black Colleges and Universities) for students whose families earn less than $125,000 per year. Harris’s vice president pick, Governor Walz, signed a bill into law in 2023 that made Minnesota public higher education free for families in the state earning less than $80,000 per year.
The Trump platform says it “will support the creation of additional, drastically more affordable alternatives to a traditional four-year College degree.” That could mean investing in trade schools, vocational programs, community colleges and other career pathways, Akers says.
Borrower defense to repayment
When she was California’s attorney general a decade ago, Harris prosecuted Corinthian Colleges, alleging that the for-profit institution intentionally misled students about job placement rates. In 2022, the Education Department approved $5.8 billion in student loan discharges for more than half a million former Corinthian students, under the borrower defense to repayment program.
As president, Harris would likely continue supporting borrower defense, Akers says. The program began in 1995 to protect borrowers who are defrauded or misled by their colleges.
Trump’s record indicates that he may be opposed to strengthening borrower defense. For example, in 2020, then-President Trump vetoed a bipartisan resolution that would have overturned a 2019 borrower defense rule that made it tougher for students who say they were defrauded by colleges to get federal student loan discharge.
Project 2025 calls for Congress to end the Education Department’s broad ability to forgive loans through the borrower defense program. Instead, the Department should only be allowed to discharge loans in limited, case-by-case situations where “convincing evidence exists to demonstrate that an educational institution engaged in fraud toward a borrower in connection with his or her enrollment in the institution and the student’s educational program or activity at the institution.”
Pell Grants
The federal Pell Grant program, which gives undergraduates from low-income backgrounds up to $7,395 per year to help pay for college, has been around since the 1970s. Biden increased the maximum Pell award by $900 during his term — the largest expansion in over a decade.
In her platform, Harris emphasizes Biden’s Pell record and promises to expand the program further: “For young people just heading to college now, we’ve already secured the largest increase in Pell Grants in a decade, and we’ll further expand these grants to 7 million more students, and double the maximum award by 2029.”
Though Trump is unlikely to strike down the Pell, further increases to the maximum award are less certain if he wins the White House. “I don’t think [Trump] is against Pell, but he has proposed cuts to it as president in the past,” says Dimino. “I think we would expect that the Pell Grant will be in greater jeopardy under [that] administration than under a Harris administration,”
Project 2025 supports maintaining Pell grants in their current “voucher-like” form.
Congressional elections matter, too
While the presidential election is extremely consequential, the upcoming congressional elections will also impact future student loan policies.
The U.S. Congress (composed of the Senate and the House) must align with the president to push legislation forward, though some policy work can be done without formal legislation, Akers explains. The president can veto bills passed by Congress, while Congress can refuse to pass bills that the president might support.
“A lot of what ultimately gets done will rely on the makeup of Congress and what the majorities look like in Congress for that president, along with the pending court cases,” says Dimino.
To register to vote in national, state and local elections — and to check your registration status — go to vote.gov. You must update your voter registration each time you move to a new address. Depending on your state, voter registration deadlines may be as early as 30 days before the Nov. 5 election.
Source: nerdwallet.com
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Tucked in the Midwest, Cincinnati, OH, lies along the Ohio River just waiting to unveil all the unique things to do among its historic neighborhoods. Local experts share a variety of activities from cozy book nooks to creative craft bars that are guaranteed to become your top favorite spots to jazz-up your daily routine.
Whether you’re moving to a new home in Cincinnati, OH, testing out the vibe in a rental home, or looking for the perfect apartment overlooking the river, these 13 unique things to do in the Queen City are ready to wow you.
1. Start in the heart of Cincy at Fountain Square
The iconic Tyler Davidson Fountain overlooks the square and marks the beginning of several possible routes for a day of exploration. On one route in particular, you can find the newly renovated and expanded Mercantile Library that has been a central part of Walnut Street since 1840. If you’re looking for a cool story, make sure to ask them about their 10,000 year lease on the space.
2. Find new, bold flavors just minutes from downtown
The food scene is just one of the many things Cincinnati is known for, and for good reason. In the Incline District, head over to The Bold Face Dairy Bar for some soft-serve ice cream with a cult following. Located just around the corner from the Warsaw Federal Incline Theatre, their collection of fun flavors from bourbon barrel stout Flurrie, to ice cream nachos, to cup of lavender with Oreos make for the perfect post-show treat. Enjoy the ambiance of their magically-lit outdoor seating area with a bold bowl or a classic cone.
3. Back your basketball team at the Crosstown Shootout
“Nothing shouts Cincinnati quite like this,” says local children’s book author Jenn Bishop. “The annual matchup between the University of Cincinnati Bearcats and the Xavier Musketeers showcases one of the fiercest sports rivalries in the country, and one of the loudest crowds you will ever hear.” Keep an eye out for tickets in December for one of the most unique things to do in Cincinnati – and be sure to pick your team wisely. “Be prepared to smack-talk for as long as you live in the Queen City.”
4. Get to know your neighbors at a local bar
Everyone is welcome at The Belle and the Bear in Montgomery. Their unique neighborhood bar vibe is paired with live music, a wide selection of local beers, and great bourbon to taste. Play some pool, darts, or just enjoy the show with other Cincinnatians.
5. Enjoy a classic Cincy breakfast and more at any time of day
Sacred Beast Diner is nestled between easy access shopping and parking in Cincinnati’s historic art district just steps away from Washington Park and Music Hall. Their all-day breakfast menu includes Cincinnati’s famous Goetta breakfast sausage, as well as strong classic cocktails and European-style café drinks. Enjoy their modern spin on classic diner fare and vintage tunes spun from the original reel to reel player.
6. Capture the moment with Olga Polo Photography
Tucked away in Montgomery, you’ll find Olga Polo Photography. Olga has a talent for capturing your most precious moments with a perfect blend of artistry and warmth. Whether you’re marking a big milestone or just want some stunning photos to cherish, Olga Polo Photography is one of Cincy’s hidden gems for making genuine, timeless memories.
7. Bring the secrets of craft cocktails home
If you’ve ever wanted to host the perfect cocktail party, start with a private cocktail class led by professional bartenders at Homemakers Bar. In addition to their seasonal flavors and welcoming bar scene, their classes offer an interactive and fun way to learn the best bartending secrets. Whether you’re a casual visitor or a cocktail enthusiast, you’ll find a memorable and personalized experience in this stand-out cocktail destination.
8. Grab a scoop made from scratch
Hello Honey has been making small batch artisanal ice cream in the heart of downtown Cincinnati since 2012. Their delicious scoops made with real ingredients rotate flavors seasonally, keeping it fresh all year round. With three different neighborhood locations, this spot is a staple of the Queen City’s ice cream scene.
9. Shop local at a community farmers’ market
“We’re all about family, community, friendships, local small businesses, and of course, food,” shares the team at the Montgomery Farmers’ Market. Every Saturday morning from May through October, enjoy their local, farm-fresh produce, artisan crafted food, live music, and activities for the kids right in your neighborhood.
10. Take a tropical-inspired tour on the Ohio River
Soak up some island vibes on a private party boat cruise with SS Tiki Tours. Hulaing up the Ohio River while taking in breathtaking views of the Cincy skyline is perhaps one of the most unique things to do in the city.
11. Cozy up with coffee, cocktails, and live music
The Härth Room is a can’t-miss if you’re looking for cozy comfort and unbeatable ambiance. Located on historic 4th Street in downtown Cincinnati, their speakeasy vibe features live jazz performances every night for you to enjoy while sipping on a Prohibition-era classic or a late night latte.
12. Discover a book-lover’s paradise
“Household Books is a new type of bookstore for people who love the old type of bookstore,” shares Bobby of the Household Books team. With a carefully curated collection of used and rare books, you’re bound to find some new treasures to add to your collection in their shelves. They also host a variety of engaging events from literary themed dinners to poetry readings that makes this bookstore a cultural hub for book lovers.
13. Stay or Dine in Over The Rhine
If you’re looking for a unique thing to do in the OTR area, the Symphony Hotel & Vivaldis Restaurant is sure to make your evening one to remember. Located between Music Hall and the FCC soccer stadium, their nine composer-themed rooms, delicious homemade Italian food, and live music every night make for an unforgettable stop on your Queen City journey.
Unique things to do in Cincinnati: Final thoughts on these special spots
Life in Cincinnati is vibrant and exciting, full of culture, community, and unique things to do. While not typically the first place you would think of for an adventure, a world of surprises lie within the Queen City if you look close enough. Before long, you’ll see why Cincinnati is such a good place to live.
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When people think of Pittsburgh, they often picture its iconic skyline, bridges, and sports teams, but the true essence of living in Pittsburgh extends beyond the city center. The suburbs of Pittsburgh offer diverse residential areas that provide a quieter, more relaxed lifestyle while still allowing easy access to the city’s thriving cultural scene, job market, and outdoor recreation. These Pittsburgh suburbs are spread across various parts of the metropolitan area, each with its own distinct character and appeal.
In this ApartmentGuide article, we’ll explore some of the most notable Pittsburgh suburbs—from the charming historic towns to the rapidly growing residential hubs—highlighting key aspects such as population, average rent, and what makes each area stand out. Whether you’re searching for the perfect apartment in Pittsburgh or curious about the different Pittsburgh neighborhoods, let’s discover the best places in the Pittsburgh metro area to call home.
Cost of living in Pittsburgh
Before diving into Pittsburgh’s top suburbs, it’s important to look at the city’s cost of living. Pittsburgh is known for being relatively affordable compared to other major cities in the U.S. The overall cost of living in Pittsburgh is about 2% lower than the national average, with housing playing a key role. The median sale price for a home in Pittsburgh is around $273,500, significantly below the national median of $432,657. Rent for a one-bedroom apartment in Pittsburgh averages about $1,607 per month.
While Pittsburgh offers affordable housing, many of its surrounding suburbs provide additional value with larger homes, quieter neighborhoods, and a more peaceful environment. Now, let’s explore the most popular suburbs in Pittsburgh.
If you’re looking for more specific rental insights, check out our guide on the 13 Most Expensive Neighborhoods in Pittsburgh to Rent in 2024.
1. Mount Lebanon
Known for: Historic charm, walkable neighborhoods, and cultural amenities
Mount Lebanon is one of Pittsburgh’s most popular and established suburbs, located just six miles south of downtown. Known for its historic charm and walkable streets, Mount Lebanon is ideal for those who enjoy tree-lined neighborhoods with a mix of older homes and newer developments. The suburb boasts a vibrant business district, filled with local shops, cafes, and restaurants, making it easy for residents to find entertainment and necessities without leaving the neighborhood.
Mount Lebanon’s proximity to downtown Pittsburgh is also a major draw, especially for those who commute. Public transportation options, including the Pittsburgh Light Rail (commonly known as “The T”), make getting into the city convenient. Additionally, the suburb is home to various parks and recreational facilities, including tennis courts and a public golf course.
Population: 33,000
Median home sale price: $405,000
Mount Lebanon transportation scores: Walk Score 74, Bike Score 24
Apartments for rent in Mount Lebanon, PA | Houses for rent in Mount Lebanon, PA | Homes for sale in Mount Lebanon, PA
2. Cranberry Township
Known for: Rapid growth, diverse living options, and recreational amenities
Located about 20 miles north of Pittsburgh, Cranberry Township is one of the fastest-growing suburbs in the area. Known for its expansive residential developments, Cranberry Township offers a wide range of housing options, from apartments to spacious single-family homes. The suburb’s growing commercial and retail sectors provide residents with plenty of shopping and dining options, including the bustling Cranberry Mall.
Cranberry Township is also a hub for outdoor recreation, with numerous parks, walking trails, and sports facilities available to residents. The area’s emphasis on community living is evident through its well-maintained public spaces and frequent community events. Commuters will appreciate easy access to major highways like I-79, which connects Cranberry to downtown Pittsburgh in under 30 minutes.
Population: 33,000
Median home sale price: $450,500
Cranberry Township transportation scores: Walk Score 57, Bike Score 43
Apartments for rent in Cranberry Township, PA | Houses for rent in Cranberry Township, PA | Homes for sale in Cranberry Township, PA
3. Bethel Park
Known for: Strong community atmosphere, affordable housing, and outdoor activities
Bethel Park, located about 10 miles south of Pittsburgh, is a suburban favorite for those looking for affordable living with easy access to the city. Known for its community spirit and excellent public services, Bethel Park offers a mix of older homes and new developments, making it attractive to a variety of residents. The suburb is also home to South Hills Village, a popular shopping center with a wide range of retail stores and dining options.
One of the key draws of Bethel Park is its abundance of parks and outdoor spaces. Residents enjoy access to the Montour Trail, a scenic biking and hiking trail that runs through the area, as well as numerous parks and recreational centers. Bethel Park’s location on the Light Rail system also makes commuting into Pittsburgh a breeze for those working in the city.
Population: 33,000
Median home sale price: $290,000
Bethel Park transportation scores: Walk Score 31, Bike Score 16, Transit Score 30
Apartments for rent in Bethel Park, PA | Houses for rent in Bethel Park, PA | Homes for sale in Bethel Park, PA
4. Sewickley
Known for: Upscale living, historic architecture, and a charming downtown
Sewickley, located about 12 miles northwest of Pittsburgh, is one of the area’s most prestigious suburbs. Known for its upscale homes, historic architecture, and charming downtown district, Sewickley offers a picturesque suburban experience. The village-like atmosphere of downtown Sewickley features boutique shops, high-end restaurants, and art galleries, creating a vibrant cultural scene.
Residents of Sewickley enjoy scenic views of the Ohio River, along with access to numerous parks and outdoor spaces. The suburb is also home to some of the best private and public schools in the region, adding to its appeal for professionals. With its close proximity to Pittsburgh’s major job centers and its tranquil, high-end atmosphere, Sewickley is a top choice for those seeking a blend of suburban elegance and urban convenience.
Population: 3,900
Average rent for a one-bedroom apartment: $1,400
Median home sale price: $532,500
Sewickley transportation scores: Walk Score 88, Bike Score 48
Apartments for rent in Sewickley, PA | Houses for rent in Sewickley, PA | Homes for sale in Sewickley, PA
5. Wexford
Known for: Peaceful living, new developments, and excellent parks
Wexford, located about 15 miles north of Pittsburgh, is another highly sought-after suburb known for its peaceful residential atmosphere and new housing developments. The area has seen significant growth in recent years, with new neighborhoods, commercial centers, and recreational facilities popping up to accommodate its growing population. Wexford offers a variety of housing options, from affordable townhomes to sprawling estates, making it a great place for those looking for diverse real estate choices.
Outdoor enthusiasts will appreciate Wexford’s parks, hiking trails, and proximity to North Park, one of the region’s largest and most popular parks. Wexford’s strategic location along major highways makes it an ideal suburb for commuters working in Pittsburgh’s northern job centers.
Population: 21,000
Average rent for a one-bedroom apartment: $2,338
Median home sale price: $535,000
Wexford transportation scores: Walk Score 54, Bike Score 22
Apartments for rent in Wexford, PA | Houses for rent in Wexford, PA | Homes for sale in Wexford, PA
6. Fox Chapel
Known for: Scenic beauty, upscale homes, and proximity to outdoor recreation
Fox Chapel is one of the most exclusive suburbs in the Pittsburgh area, located about 10 miles northeast of downtown. Known for its expansive estates, large lots, and wooded surroundings, Fox Chapel offers a private, luxurious lifestyle. The suburb is adjacent to the Allegheny River and is home to several parks and outdoor spaces, including the Fox Chapel Golf Club and Hartwood Acres, a large estate park offering trails, gardens, and outdoor concerts.
Population: 5,400
Median home sale price: $1,462,500
Fox Chapel transportation scores: Walk Score 9, Bike Score 38
Apartments for rent in Fox Chapel, PA | Houses for rent in Fox Chapel, PA | Homes for sale in Fox Chapel, PA
7. Upper St. Clair
Known for: Top-rated schools, suburban living, and community-focused amenities
Upper St. Clair is located about 12 miles south of Pittsburgh and is known for its excellent public schools and community-oriented atmosphere. The suburb features a variety of housing options, from single-family homes to more upscale developments, making it a popular choice for those seeking a peaceful, suburban lifestyle. Upper St. Clair is home to several parks and recreational facilities, including a community recreation center and outdoor pools, offering plenty of activities for residents.
Population: 20,000
Average rent for a one-bedroom apartment: $1,976
Median home sale price: $469,000
Upper St. Clair transportation scores: Walk Score 14, Bike Score 7
Apartments for rent in Upper St. Clair, PA | Houses for rent in Upper St. Clair, PA | Homes for sale in Upper St. Clair, PA
8. Robinson Township
Known for: Convenient location, shopping, and new developments
Robinson Township, located about 10 miles west of downtown Pittsburgh, is a rapidly growing suburb known for its accessibility and convenient amenities. The suburb is home to The Mall at Robinson and Settlers Ridge, two major shopping centers that offer a range of retail stores, dining options, and entertainment. Robinson Township is also known for its newer housing developments, providing plenty of modern homes and townhouses. With easy access to highways like I-79 and I-376, it’s a great choice for those who want to stay close to Pittsburgh while enjoying suburban living.
Population: 14,000
Median home sale price: $230,000
Robinson Township transportation scores: Walk Score 18, Bike Score 26
Apartments for rent in Robinson Township, PA | Houses for rent in Robinson Township, PA | Homes for sale in Robinson Township, PA
Methodology: The suburbs included in this list were selected based on their overall popularity, determined by search trends and housing demand in the Pittsburgh area. Average rent and home sale price data were sourced from Redfin and Rent.com as of September 2024. Transportation data, including Walk Scores, Bike Scores, and Transit Scores, was sourced from Walk Score.