Welcome to the vibrant city of Oakland, where the rich cultural diversity and stunning natural beauty come together to create a truly unique urban experience. From the bustling waterfront to the serene redwood forests, Oakland offers a little something for everyone. So whether you’re looking for an apartment in downtown Oakland or an apartment in Rockridge, you’ve come to the right place. In this ApartmentGuide article, we’ll cut to the chase, breaking down the pros and cons of living in Oakland. Let’s get started and see what awaits in this diverse city.
Fast facts about living in Oakland
Population: Approximately 430,000 residents
Average rent: $2,355 per month for a one-bedroom apartment
Median home sale price: $895,000
Public transit: Bay Area Rapid Transit (BART), AC Transit buses, and ferries
Public parks: Over 130 parks and green spaces for recreation and relaxation
Annual tourists: Approximately 3.5 million visitors each year
Restaurants: Over 1,000, offering a variety of cuisines from around the world
1. Pro: Rich cultural scene
Oakland offers a vibrant cultural scene, with numerous museums, galleries, and theaters. The city is home to the Oakland Museum of California, which showcases the state’s art, history, and natural sciences. Additionally, the Fox Theater and the Paramount Theatre host a variety of concerts, performances, and events throughout the year. The city’s diverse population contributes to a rich tapestry of cultural festivals and events, such as Art + Soul Oakland and the Eat Real Festival, offering residents ample opportunities for artistic and cultural engagement.
2. Con: High cost of living
Housing costs in Oakland are relatively high, with the median sale price for a home in Oakland around $895,000 and the average rent for a one-bedroom apartment in Oakland about $2,355 per month. These housing costs are 87% higher than the national average, making it challenging for many people to afford living in the city.
The high cost of living extends beyond just housing. Overall, the cost of living in Oakland is about 40% higher than the national average. Utilities are 40% more expensive, groceries are 17% higher, transportation costs are 33% above average, and healthcare costs are 21% more. These increased expenses in multiple areas can significantly impact residents’ budgets, requiring careful financial planning to manage effectively.
3. Pro: Strong job market and innovation hub
Oakland has a robust and diverse job market, particularly in the technology, healthcare, and education sectors. The city’s proximity to Silicon Valley and San Francisco provides additional job opportunities, and its more affordable commercial real estate has attracted a growing number of tech companies and startups. This environment fosters a spirit of innovation and entrepreneurship, providing numerous opportunities for networking and career advancement in the tech industry.
Major employers in the area include Kaiser Permanente, Clorox, and the Port of Oakland. The presence of these companies, along with a thriving startup scene, contributes to the city’s economic stability and offers a wide range of career opportunities.
Top employers in Oakland
Blue Shield of California
Sutter Health
Pixar Animation Studios
Southwest Airlines
Alameda Health System
4. Pro: Outdoor recreational activities
Oakland offers a wide range of outdoor recreational activities, thanks to its extensive park system and proximity to natural attractions like the East Bay Hills and the San Francisco Bay. Residents can enjoy hiking, biking, kayaking, and picnicking in the numerous parks and natural areas. The city’s mild climate allows for year-round enjoyment of these activities.
Popular outdoor spots in Oakland
Lake Merritt
Joaquin Miller Park
Redwood Regional Park
Temescal Regional Recreation Area
Middle Harbor Shoreline Park
5. Con: Traffic and parking
Oakland, like many urban areas, experiences traffic congestion and limited parking options. The city’s layout and infrastructure can make driving challenging, and finding parking can be difficult and expensive, especially in popular neighborhoods and downtown. Public transportation, biking, and walking are popular alternatives, but residents who rely on cars may find the traffic and parking situation frustrating. Investing in a parking spot or using car-sharing services can help mitigate some of these challenges.
6. Pro: Culinary diversity
Oakland features a diverse culinary scene, with a wide range of restaurants offering cuisines from around the world. From high-end dining establishments and historic seafood restaurants to food trucks and ethnic eateries in neighborhoods like Chinatown and Fruitvale, the city has something to satisfy every palate. Food festivals, such as Eat Real Festival and Oakland Restaurant Week, showcase the city’s culinary creativity and provide opportunities for residents to explore new flavors.
Popular restaurants in Oakland
Commis
Brown Sugar Kitchen
Homeroom
Sobo Ramen
Drake’s Dealership
7. Con: Earthquake risk
Oakland is located near several major fault lines, making it prone to earthquakes. While the city has implemented stringent building codes and preparedness measures to mitigate the impact of seismic activity, the risk of earthquakes remains a significant concern for residents. Homeowners and renters are encouraged to have earthquake insurance and to be prepared with emergency kits and plans. This natural disaster risk is an important factor to consider when deciding to live in Oakland.
8. Pro: Public transportation
Oakland has a well-developed public transportation system, making it easy for residents to get around without a car. Bay Area Rapid Transit (BART) connects Oakland to San Francisco, Berkeley, and other parts of the Bay Area. AC Transit provides extensive bus services, and ferries offer a scenic commute across the bay. Ride-sharing services like Uber and Lyft are also widely available. Oakland has a transit score of 57, a walk score of 75, and a bike score of 65, reflecting the city’s good infrastructure for public transit, walking, and biking.
9. Pro: Strong sense of community
Oakland is known for its strong sense of community and civic engagement. Residents are often involved in neighborhood associations, community events, and local initiatives that promote a sense of belonging and collaboration. The city’s diverse neighborhoods, such as Rockridge, Montclair, and Fruitvale, each have their own unique character and charm, fostering tight-knit communities where residents support one another. This strong community spirit enhances the quality of life and makes Oakland a welcoming place to live.
10. Pro: Vibrant arts scene
Oakland features a vibrant arts scene, with numerous galleries, studios, and performance spaces. The city is home to the Oakland Art Murmur, a monthly event that showcases local artists and galleries, and the First Fridays street festival, which features live music, food vendors, and art installations. Additionally, Oakland’s cultural diversity is reflected in its many community arts programs and events, offering residents ample opportunities to engage with the arts and express their creativity.
As a city with deep roots in tradition and a dynamic spirit, New Orleans provides an experience unlike any other place in the United States. Famous for its vibrant music scene, world-class cuisine, and distinctive architecture, the city attracts people looking for a unique cultural experience. Not sure if the big easy is for you? Read on to find out what to expect if you’re considering moving to the New Orleans area in 2024.
You know it from: Bad Lieutenant, A Streetcar Named Desire, The Big Easy
Average 1 bedroom rent: $1,709 | New Orleans apartments for rent, New Orleans houses for rent
Average home price: $369,000 | New Orleans homes for sale
Average cost of full-service moving services: $140/hr for 2 movers
Average cost to rent a moving truck: $19 – $39/day
Top industries: Oil & gas, tourism, logistics, aerospace manufacturing
Move here for: The food, the people, the music
Be sure to bring: Your appetite and social skills
1. The weather is a mixed bag of heat, humidity, and occasional hurricanes.
New Orleans experiences a subtropical climate, meaning hot, humid summers and mild, short winters. The city also faces an annual hurricane season from June to November, with the potential for severe storms. New residents should be prepared for high humidity levels, which can make summer temperatures feel oppressive. It’s important to have a plan for hurricane preparedness, including evacuation routes and emergency supplies. Despite the weather challenges, many find the year-round warmth preferable to colder climates.
Moving Tip: Scheduling your move in the spring, fall, or winter months will make it less sweaty. If your new home doesn’t have central air, you will need to invest in an air conditioner and moisture control solution.
2. The food scene is legendary for good reason.
New Orleans is renowned for its unique culinary offerings, from beignets at Café du Monde to po’ boys and gumbo at local favorites like Domilise’s. The city’s food reflects a blend of Creole, Cajun, and international influences, making it a paradise for food lovers. Weekly farmers markets, such as the Crescent City Farmers Market, provide fresh, local produce and seafood. Dining out is a social activity, with festivals like the New Orleans Wine & Food Experience celebrating the city’s gastronomy. The unique local cuisine and wide array of amazing restaurants make food one of the best parts of living in New Orleans.
3. Music is the heartbeat of New Orleans.
Live music can be found almost every night of the week, with iconic venues like Preservation Hall and Tipitina’s leading the way. Street performers add to the lively atmosphere, especially in areas like the French Quarter and Frenchmen Street. Festivals such as the New Orleans Jazz & Heritage Festival draw crowds from around the world. Whether you’re a musician or a music lover, the city offers endless opportunities to experience and enjoy live performances.
4. Public transportation is limited but biking and walking are popular.
While New Orleans has a public transportation system, including buses and the historic streetcars, it can be unreliable and limited in coverage. With a TransitScore of 44/100, many residents find biking or walking to be more practical, especially in neighborhoods like the Marigny and the Garden District. The city’s flat terrain and relatively compact size make cycling a viable option, and there are bike lanes on many major streets. Programs like Blue Bikes provide easy access to rental bicycles. Walking is also common, with many neighborhoods designed to be pedestrian-friendly.
Moving Tip: Some residents choose not to have a car in New Orleans because the weather is temperate year round, street parking is difficult in some neighborhoods, and insurance can be pricey. If you do have a car, follow the parking laws; if they threaten to tow they mean it.
5. Mardi Gras is a season of celebrations leading up to Fat Tuesday.
Mardi Gras is an epic celebration that takes over the city for weeks on end. The festivities include elaborate parades, balls, and parties, with krewes like Zulu and Bacchus hosting some of the most famous events. Residents often participate by joining krewes or attending multiple events, and many take time off work to fully enjoy the season. The city becomes a colorful, lively place filled with music, costumes, and revelry. For newcomers, experiencing Mardi Gras is a rite of passage and an unforgettable part of living in New Orleans. Just wear close-toed shoes. Trust us.
6. The job market is varied but can be competitive.
New Orleans has a varied job market, with strong sectors in tourism, healthcare, education, and the oil and gas industry. Major employers include Ochsner Health System, Tulane University, and Entergy Corporation. However, competition for jobs can be stiff, and it may take time to find the right opportunity. Networking is crucial, and many jobs are filled through personal connections. The city also has a growing tech and entrepreneurial scene, with initiatives like The Idea Village supporting startups. While opportunities are available, job seekers should be prepared to put in effort to secure employment.
7. The people are hands down the best thing about New Orleans.
Ask any NOLA resident and they’ll tell you that the best thing about this city is the people. New Orleanians are known for their deep sense of pride in the city and they love sharing it with newcomers. It won’t be long before you start to feel the same way about your new home. Neighborhoods often have tight-knit communities, with residents actively participating in local events and supporting local businesses. Areas like Bywater and Mid-City are known for their strong community vibes. The city’s festivals, second lines, and block parties foster a sense of belonging and connectedness. Get to know your neighbors. They can give you insight into how to navigate the best and the worst parts of life in NOLA. Newcomers will find that becoming involved in community activities is a great way to meet people and feel at home.
Moving Tip: New Orleanians are known for their friendliness and hospitality. Learn the local customs, social norms, and unique lingo. Expect to greet the people you pass on the street and hear things like “Where y’at?” instead of “How are you?”
8. The architecture is stunning and historically significant.
New Orleans boasts a rich architectural heritage, with a mix of French, Spanish, Creole, and American styles. The French Quarter is famous for its wrought-iron balconies and colorful buildings, while the Garden District features grand mansions and oak-lined streets. Preservation efforts ensure that historic buildings are maintained, contributing to the city’s unique charm. Walking tours and events like the PRC’s Shotgun House Tour offer opportunities to explore and learn about the architecture. Living in New Orleans means being surrounded by beautiful, historic structures that add character to everyday life.
9. The cost of living is relatively affordable.
Compared to other major U.S. cities, New Orleans offers a more affordable cost of living. Housing costs can vary widely depending on the neighborhood, with areas like the French Quarter and Uptown being more expensive, while Mid-City and Algiers offer more budget-friendly options. Utilities, groceries, and healthcare are generally in line with the national average. The city also provides numerous free or low-cost entertainment options, such as public festivals and parks like Audubon Park and City Park. Overall, residents find that their money goes further in New Orleans compared to many other metropolitan areas.
Moving Tip: The cost of living can vary significantly depending on the neighborhood. Research housing costs, utilities, and other expenses to budget effectively. Renting initially can be a good way to get a feel for the city before committing to buying property.
10. The city has a laid-back and casual vibe.
New Orleans is known for its relaxed and easy-going atmosphere. Dress codes are generally casual, and people often greet strangers with a smile. The city’s pace is slower compared to many other urban areas, allowing residents to savor life’s moments. This laid-back attitude extends to dining, shopping, and socializing, making it a great place for those who appreciate a more relaxed lifestyle. Local traditions like lazy Sundays with jazz brunches at Commander’s Palace contribute to this easy-going vibe.
11. There are numerous parks and outdoor spaces.
New Orleans offers plenty of green spaces for recreation and relaxation. City Park is a massive urban park with walking trails, botanical gardens, and a sculpture garden. Audubon Park, located in Uptown, features a zoo, golf course, and scenic picnic areas. The Lafitte Greenway provides a multi-use trail connecting Mid-City to the French Quarter. These parks are perfect for outdoor activities like jogging, biking, and picnicking. The abundance of outdoor spaces contributes to a healthy and active lifestyle for residents.
12. The city’s festivals are world-famous and frequent.
New Orleans hosts numerous festivals throughout the year, celebrating everything from music and food to culture and history. In addition to Mardi Gras, there’s the New Orleans Jazz & Heritage Festival and the French Quarter Festival. Smaller festivals, like the Po-Boy Festival and the Oyster Festival, focus on local cuisine and traditions. These events offer endless entertainment and are a great way to experience the city’s vibrant culture. For residents, there’s always something to look forward to on the festival calendar.
13. Charter schools are a big part of the K-12 education landscape.
New Orleans offers a range of educational opportunities, from public and private schools to universities like Tulane and Loyola. However, the public school system has faced challenges, including funding issues and varying quality across schools. Charter schools have become a significant part of the education system, offering alternatives to traditional public schools. Parents often research extensively to find the best fit for their children.
14. Each neighborhood has its own unique vibe and personality.
In a city as chock-full of personality as NOLA, it’s no surprise that each neighborhood has its own distinct character and charm. The Marigny is known for its artsy vibe and vibrant nightlife, while the Bywater offers a bohemian atmosphere with colorful cottages. The Garden District features grand historic homes and lush gardens, whereas Uptown is famous for its oak-lined streets and elegant architecture. Mid-City provides a more laid-back, residential feel with easy access to parks and local eateries. Choosing the right neighborhood depends on your lifestyle and preferences, but there’s a perfect fit for everyone in New Orleans.
15. The sports scene is lively and enthusiastic.
New Orleans residents are passionate about their sports teams, particularly the New Orleans Saints (NFL) and the New Orleans Pelicans (NBA). Game days are major events, with tailgating and watch parties bringing the community together. Ceasar’s Superdome is a landmark venue that hosts not only sports events but also concerts and other large-scale events. The city also has a strong college sports presence, with Tulane University and the University of New Orleans offering various athletic programs. Sports fans will find plenty to cheer about and numerous opportunities to join in the excitement.
Methodology: Average rent prices sourced from Rent.com July 2024. Home prices sourced from Redfin July 2024. Average moving costs sourced from MoveBuddha. Employment data sourced from City Data.
Considering moving to Tennessee? This state is full of picturesque landscapes, dynamic urban areas, and a growing tech industry, making it a prime choice for relocation. With its iconic cities, scenic mountain views, and a rich cultural scene, Tennessee offers a diverse living experience. Whether you’re looking at houses for sale in Knoxville, renting in Chattanooga, or exploring houses for rent in Nashville, here’s what you should know about moving to Tennessee.
Tennessee at a glance
The state’s landscapes range from the majestic peaks of the Smoky Mountains to the serene rolling hills of the Cumberland Plateau, providing a variety of outdoor activities. Large cities like Memphis and Nashville are cultural hubs, renowned for their lively music scenes, history, and entertainment options. Major sectors driving Tennessee’s economy include energy, technology, and healthcare, with prominent companies such as FedEx and HCA Healthcare headquartered here.
Culturally, Tennessee is rich with world-class museums like the Country Music Hall of Fame and the National Civil Rights Museum, alongside notable music festivals such as Bonnaroo and Memphis in May. The state’s culinary scene is equally diverse, featuring everything from Memphis barbecue to Nashville hot chicken. Educational opportunities are robust with institutions like the University of Tennessee and Vanderbilt University adding to the state’s atmosphere. For those seeking affordable places to live, cities like Clarksville and Johnson City offer lower living costs while maintaining a high quality of life.
1. Tennessee has a significant musical heritage
Tennessee’s musical heritage is renowned worldwide, with Nashville earning the nickname “Music City” for its pivotal role in country music. The Grand Ole Opry, the Ryman Auditorium, and the Country Music Hall of Fame attract music lovers from across the globe. Memphis also has a rich musical history, being the birthplace of rock ‘n’ roll at Sun Studio and home to the legendary Beale Street, where blues musicians like B.B. King and Elvis Presley once performed. Additionally, cities like Bristol, recognized as the birthplace of country music, and Dollywood in Pigeon Forge celebrate the state’s deep musical roots through festivals and performances that honor Tennessee’s enduring influence on American music.
2. The state has a low cost of living
Tennessee’s lower cost of living is a major draw, with the median home sale price of $400,900 and average rental prices for a one-bedroom apartment in cities like Memphis hovering around $978 per month. While Nashville and Knoxville offer more urban amenities, cities like Chattanooga and Clarksville provide more affordable housing options without sacrificing quality of life. In fact, the cost of living in Chattanooga is 9% lower than the cost of living in Nashville. Beyond housing, Tennessee residents benefit from lower costs in utilities, groceries, and healthcare compared to the national average. This overall affordability makes Tennessee an attractive choice for those looking to maximize their budget without compromising on lifestyle.
3. Hot chicken is a local delicacy
Nashville hot chicken is a fiery local delicacy that has gained nationwide fame. This spicy fried chicken, typically served with pickles and bread, originated at Prince’s Hot Chicken Shack in Nashville. Today, you can savor this culinary treat at numerous local eateries, including Hattie B’s and Bolton’s Spicy Chicken & Fish, each offering their own unique twist on the dish.
Insider scoop: For a truly local experience, visit during the Nashville Hot Chicken Festival held every Fourth of July, where you can sample the best hot chicken from various vendors and enjoy live music and various activities.
4. There’s no state income tax
One of the financial perks of moving to Tennessee is the absence of state income tax, allowing residents to keep more of their earnings. This policy makes Tennessee particularly attractive to individuals seeking lower overall tax burdens. The savings on state income tax can be significant, especially compared to neighboring states with higher tax rates. For budget-friendly individuals, this means more disposable income for everyday expenses, savings, or investments, enhancing their overall financial well-being. Considering the pros and cons of living in Tennessee, this tax advantage is a notable benefit that can positively impact your financial planning.
5. The state is known for its Tennessee whiskey
Tennessee is renowned for its Tennessee whiskey, a distinct style of whiskey that follows a specific production process unique to the state. This includes the Lincoln County Process, where the whiskey is filtered through charcoal before aging, giving it a smooth, mellow flavor. The most famous brand is Jack Daniel’s, whose distillery in Lynchburg is one of the oldest registered distilleries in the United States. This iconic site offers guided tours where visitors can learn about the whiskey-making process and the history of Jack Daniel’s, ending with a tasting of their renowned products.
Travel tip: Plan your visit to the distillery during the annual Jack Daniel’s World Championship Invitational Barbecue in October, a festival that combines delicious barbecue, live music, and, of course, plenty of Tennessee whiskey.
6. The internet is fast in Chattanooga
Tennessee has some of the fastest internet speeds in the country, thanks to initiatives like Chattanooga’s EPB Fiber Optics network. This gigabit-speed internet service has positioned Chattanooga as a tech-friendly city, attracting startups and tech companies. Whether you’re working from home or streaming your favorite shows, you’ll appreciate the robust and reliable internet connectivity.
7. Smoky Mountains National Park is the most visited national park in the U.S.
The Great Smoky Mountains National Park, straddling the border between Tennessee and North Carolina, is the most visited national park in the U.S., attracting millions of visitors each year. This expansive park features over 800 miles of hiking trails, including the challenging Alum Cave Trail and the scenic Clingmans Dome, the highest peak in the park. Visitors can explore diverse ecosystems, from lush hardwood forests to rolling mountain meadows, and observe a wide range of wildlife such as black bears, elk, and deer. The park also boasts historic sites like Cades Cove, where preserved log cabins and barns offer a glimpse into early Appalachian life.
Travel tip: For a less crowded experience, visit during the shoulder seasons of spring and fall, when the park’s natural beauty is at its peak and parking is more accessible, allowing for a more serene exploration of the trails and overlooks.
8. There’s a theme park dedicated to Dolly Parton here
Dollywood, located in Pigeon Forge, is a popular theme park founded by country music legend Dolly Parton. The park offers a mix of thrilling rides, live entertainment, and traditional crafts, all set against the backdrop of the Smoky Mountains. Dollywood also hosts seasonal festivals and events, making it a year-round destination for fun.
Insider scoop: To make the most of your visit, arrive early and head straight to the most popular attractions like the Lightning Rod roller coaster and the Wild Eagle flight ride before the lines get long.
9. The BBQ in Tennessee is distinctive
Moving to Tennessee, you’ll become familiar to its distinctive barbecue, with Memphis standing out as a premier destination for this culinary tradition. Memphis-style BBQ is characterized by its dry-rubbed ribs, which are seasoned with a blend of spices before being slow-cooked to perfection, and pulled pork, which is often served with a tangy, tomato-based sauce known for its unique sweet and spicy flavor. Notable BBQ joints include Charlie Vergos’ Rendezvous, known for its iconic dry-rubbed ribs and secret seasoning blend; and Interstate Bar-B-Q, which offers a variety of smoked meats.
10. The state is filled with Civil Rights history
Tennessee is deeply embedded in Civil Rights history, with several key locations marking pivotal moments in the struggle for racial equality. In Memphis, the National Civil Rights Museum is housed in the Lorraine Motel, where Dr. Martin Luther King Jr. was assassinated in 1968, offering comprehensive exhibits. In Nashville, the historic Fisk University is renowned for its role in early civil rights activism, and the city was a center of the 1960s sit-in movement. These sites, among others, provide insight into the state’s significant tie with the movement.
11. You’ll need to prepare for the tornados
Tennessee’s location in the southeastern United States means it is susceptible to tornadoes, especially during the spring and fall seasons. The state’s flat terrain and warm, moist air make it a frequent target for tornado activity. It’s crucial for residents to have emergency plans, including knowing local shelter locations and having a weather radio for alerts. Many homes are equipped with storm shelters or safe rooms to offer protection during severe weather events. Communities often have tornado sirens and conduct regular drills to prepare residents for potential emergencies.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Thinking about calling the Ocean State home? Rhode Island boasts beautiful coastal landscapes, lively urban areas, and a growing tech industry, making it a popular choice for newcomers. Whether you’re searching for homes for sale in Providence, looking to rent in Newport, or considering houses for rent in Warwick, here’s what you need to know before moving to Rhode Island.
Rhode Island at a glance
Rhode Island, known as the Ocean State, provides coastal beauty, lively culture, and economic diversity. Its humid continental climate brings warm summers and cold winters, perfect for enjoying its 400 miles of coastline. Providence, the capital, anchors the state’s largest cities, alongside Warwick and Cranston, each offering a mix of urban amenities and residential charm. Major industries include healthcare, education, manufacturing (especially jewelry), and a growing tech sector. Renowned educational institutions like Brown University and the Rhode Island School of Design contribute to a rich cultural landscape, highlighted by festivals, museums like the RISD Museum, and events like WaterFire. Affordable places to live are particularly found in smaller towns and coastal communities, making Rhode Island an appealing choice for those seeking a balanced lifestyle of culture, education, and coastal living.
1. Rhode Island is well-known for its WaterFire event
Rhode Island is renowned for its spectacular WaterFire event, an experience that transforms Providence’s rivers into a glowing spectacle. Held from late spring through autumn, WaterFire features over 80 braziers set alight along the rivers, accompanied by music. Performers, including fire twirlers, musicians, and dancers, enhance the atmosphere, creating a multi-sensory experience for attendees. You can walk along the riverbanks, enjoy the scents of wood smoke and seasonal blooms, and explore art installations and local vendor stalls that appear during the event.
Travel tip: Arrive early to secure a good viewing spot, and consider bringing a blanket or portable chair for comfort. For an even more memorable experience, book a gondola ride to enjoy the illuminated rivers from the water and gain a unique perspective of the event.
2. It’s expensive to live here
Living in Rhode Island comes with a high cost of living, particularly in sought-after areas like Providence and Newport. The median home sale price in Rhode Island is around $522,100, with rental averages for a one-bedroom apartment in Providence hovering around $2,075 per month. Groceries, utilities, and general expenses also surpass the national average, making day-to-day living more expensive. In fact, the cost of living in Providence is 12% higher than the national average. Comparatively, cities like Coventry and Cranston offer more affordable options, though they still reflect the overall higher cost of the state.
When considering a move, it’s essential to weigh the pros and cons of living in Rhode Island. The state offers stunning coastal landscapes, making it an attractive place to live. However, the high cost of living and elevated property taxes can be significant drawbacks.
3. Rhode Island has many seafood specialities
You’ll find a rich seafood heritage in Rhode Island, with many local specialties that seafood lovers will enjoy. Clam cakes and clam chowder are regional favorites, with the creamy, flavorful chowder often distinguished by its unique, clear broth. Another local delicacy is the stuffed quahog, a savory clam-filled dish that’s a staple at many seafood restaurants.
Insider scoop: For an authentic taste of Rhode Island, visit the iconic Monahan’s Clam Shack in Narragansett for some of the best clam cakes and chowder in the state.
4. Get ready to hear many different accents
In Rhode Island, you’ll encounter a fascinating array of accents that reflect the state’s diverse cultural and historical influences. In Providence, the accent tends to blend elements of Boston and New York speech patterns, featuring distinctive pronunciations and local slang. Venture to the coastal towns, and you might notice a more laid-back, maritime lilt in the speech, influenced by the state’s rich seafaring history. In contrast, the southern regions, such as Newport, exhibit a more neutral accent with subtle regional variations.
5. Rhode Island is less than 40 minutes wide
As the smallest state in the nation, Rhode Island spans less than 40 minutes from east to west, making it remarkably compact. Living in Rhode Island means enjoying a tiny yet vibrant state that packs a lot into its limited space, from the scenic coastal beauty of its beaches to the historic charm of its colonial-era towns. You can easily explore a range of experiences in a single day, whether it’s strolling through Providence’s bustling downtown, relaxing on the shores of Newport, or enjoying the quaint atmosphere of Wickford.
6. There are many quaint towns to explore
Rhode Island is dotted with charming, small towns that each offer their own unique appeal. Places like Newport, with its historic mansions and stunning coastal views, and Bristol, known for its well-preserved colonial architecture and Main Street, provide a quintessential New England experience. Additionally, towns like Narragansett and Wickford provide beautiful waterfronts and a relaxed, small-town atmosphere.
7. The property taxes are among the highest in the nation
Property taxes in Rhode Island are among the highest in the nation, a significant consideration for anyone planning to become a homeowner. With an effective property tax rate of about 1.30%, Rhode Island ranks in the top tier for tax burden on homeowners. For renters thinking of becoming homebuyers, it’s crucial to factor in these additional costs when budgeting for a home purchase.
8. The state’s infrastructure faces challenges
Rhode Island’s infrastructure faces significant challenges, a factor that should be carefully considered by anyone planning to move to the state. Issues such as aging roadways, frequent traffic congestion, and outdated public transportation systems can pose daily inconveniences for residents. The state’s road conditions are often cited as some of the worst in the country, with potholes and ongoing construction projects causing delays and damage to vehicles.
9. Independence day is a big deal
Independence Day is a major event in Rhode Island, celebrated with unparalleled enthusiasm and community spirit. The town of Bristol is especially renowned for its Fourth of July festivities, hosting the oldest continuous Independence Day celebration in the United States, dating back to 1785. The celebration includes a spectacular parade, fireworks, concerts, and various activities, drawing visitors from across the state to celebrate.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
Considering making the Aloha State your new home? Hawaii offers residents a stunning array of natural landscapes, vibrant urban centers, and a growing tech industry, making it a highly desirable destination for newcomers. Whether you’re browsing homes for sale in Honolulu, considering renting in Maui, or exploring houses for rent in Hilo, here’s what you need to know before moving to Hawaii.
Hawaii at a glance
From the majestic peaks of Mauna Kea to the pristine beaches of Waikiki, the state caters to those who love nature as well as city living. The largest cities in Hawaii, including Honolulu, East Honolulu, and Pearl City, are bustling centers of cultural activities and economic opportunities. Hawaii’s economy thrives in sectors such as tourism, technology, agriculture, and healthcare, with major companies like Hawaiian Airlines, First Hawaiian Bank, and Hawaiian Electric headquartered here.
The state’s cultural scene is rich and diverse, featuring world-class museums like the Honolulu Museum of Art, renowned music festivals such as the Merrie Monarch Festival, and a culinary heritage that includes a fusion of Hawaiian, Asian, and American influences. While living costs can be high in places like Honolulu, more affordable places to live can be found in areas like Waimalu and Waipio, making Hawaii an enticing choice for those seeking both quality of life and economic opportunity. Whether you’re exploring the lush landscapes of the Na Pali Coast, hiking the trails of Volcanoes National Park, or immersing yourself in the local culture, there is a lot to learn and love about the islands.
1. Get ready to embrace the Aloha Spirit
The Aloha Spirit is more than a simple greeting; it embodies kindness, respect, and a sense of community. You’ll find that locals are welcoming and eager to share their culture, whether through hula dance, traditional music, or local festivals. Engaging with this spirit will enrich your experience and help you connect with the community. Embrace it by participating in events like the Aloha Festivals, which celebrate Hawaiian culture through music, dance, and food.
Insider scoop: Don’t miss out on the chance to learn hula or ukulele at local community centers—many offer free or low-cost classes where you can immerse yourself in Hawaiian traditions and meet new friends while you’re at it.
2. The cost of living can be very high
The cost of living in Hawaii is notably high, driven by its isolated location and limited resources, which can pose a challenge for newcomers. For example, in Honolulu, the average rent for a one-bedroom apartment reaches $2,000. On the other hand, areas like Hilo offer slightly more affordable places to live, with average rents at about $1,726. Additionally, the price of groceries and everyday necessities can be significantly higher than the national average. In fact, the overall cost of living in Honolulu is 83% higher than the national average. This elevated cost of living necessitates careful budgeting for those considering a move to the islands, but the breathtaking scenery and unique culture can make it worth the investment.
If you’re thinking of moving to Hawaii, you’ll want to consider the pros and cons of living in the Aloha State to help you decide if this state is right for you.
3. Hawaii has diverse climate zones
Each island boasts its own unique climate, offering everything from tropical rainforests to arid deserts. For example, Hilo on the Big Island is known for its lush greenery and frequent rain, while the leeward side, like Kailua-Kona, experiences more sunshine. This climate diversity allows residents to enjoy a variety of outdoor activities, from hiking in cooler highland areas to sunbathing on beautiful beaches. Be prepared for sudden weather changes and pack accordingly for different environments.
Travel tip: Always carry a light rain jacket and sunscreen, as conditions can shift rapidly, especially when transitioning from the mountains to the coast. This way, you’ll be ready for any adventure, rain or shine.
4. Plate lunches and poke are island favorites
Hawaii’s food scene is a delicious blend of cultures, with plate lunches and poke topping the list of local favorites. A plate lunch typically features rice, macaroni salad, and a protein such as kalua pork or teriyaki chicken. Poke, a dish made of marinated raw fish, is often enjoyed as a refreshing meal and can be found in numerous restaurants and even at local grocery stores. To experience the best of Hawaiian cuisine, visit local spots like Helena’s Hawaiian Food in Oahu for authentic flavors that showcase the islands’ culinary heritage.
5. Each Hawaiian island has its own special attractions
From the vibrant nightlife of Oahu to the stunning landscapes of Kauai, each island offers something unique. Maui is famous for the scenic Road to Hana, while the Big Island boasts active volcanoes like Kilauea. Exploring different islands through inter-island flights can provide a richer experience of Hawaii’s natural beauty and cultural diversity. Don’t forget to check out local events and festivals on each island, which highlight regional traditions and community spirit.
6. You’ll need to prepare for the potential natural disasters
Hawaii is susceptible to natural disasters such as hurricanes, volcanic eruptions, and tsunamis. Understanding the local emergency procedures is crucial for your safety. Familiarize yourself with evacuation routes and have an emergency kit ready, including food, water, and first-aid supplies. Regularly check local news for updates during hurricane season, which runs from June to November.
7. Transportation is very limited outside large cities
Public transportation options are scarce outside urban areas, with TheBus being the primary service in Honolulu. If you plan to live in more remote locations, owning a car will likely be necessary for getting around. Traffic can be heavy, especially during rush hour, so factor in travel time when planning your day. Consider carpooling or using rideshare services for longer commutes to save time and reduce costs.
8. Protect and respect the Hawaiian islands
Hawaii’s natural beauty is fragile, and it’s vital to practice responsible tourism. Always follow Leave No Trace principles, such as disposing of waste properly and staying on marked trails. You’ll also want to be mindful of the delicate ecosystems, such as avoiding stepping on coral reefs while snorkeling and using reef-safe sunscreen to prevent harm to marine life.
Insider scoop: Consider attending a workshop at the Hawaiian Islands Humpback Whale National Marine Sanctuary, where you can learn about local conservation efforts and volunteer opportunities, allowing you to contribute to the protection of Hawaii’s unique wildlife while connecting with passionate locals.
9. Hawaii has a unique time zone
Hawaii operates on Hawaii-Aleutian Standard Time (HAST), which is two to three hours behind the mainland U.S., depending on daylight saving time. Living in Hawaii can affect scheduling phone calls and video chats with friends and family on the mainland. Be mindful of the time difference when planning your communications and make necessary adjustments to your routines.
10. You’ll be living on island time
The concept of “island time” embodies a more relaxed pace of life that is typical in Hawaii. Expect a laid-back attitude toward time and schedules, which can be refreshing but may take some getting used to. While this means you’ll enjoy fewer stressors, it’s also essential to remain punctual for work and important commitments. Embrace the slower pace by taking the time to savor sunsets, explore nature, and build relationships with your neighbors.
Methodology
Population data sourced from the United States Census Bureau, while median home sale prices, average monthly rent, and data on affordable and largest cities are sourced from Redfin.
This interview has been edited for length and clarity.
Flávia Furlan Nunes:How would each administration’s approach to the economy affect the mortgage industry?
Mark Calabria: You’re starting with the absolute most important aspect. While differences in housing mortgage policy are important, the overall driver will be the overall economy — predominantly the question of inflation and jobs. I recognize there are some out there who would argue that Trump will be more inflationary. He will be less, particularly given the experience we’ve had. That’s the benefit: We’ve had four years of Trump and almost four of Biden. There is actual history that compares.
Inflation will be more stable under Trump and you would see a decline in interest rates and mortgage rates more than you would under Biden. That said, of course, we’ve seen an overall decline in interest rates, even if they do remain somewhat high. It should be kept in mind that it doesn’t matter who the president is in 2025; we’re not going back to 3% mortgage rates. The difference between administrations, at most, would be a percentage point.
Nunes: What do you expect for the job market in a Biden or a Trump administration? Calabria: We are seeing a slowing in the job market, and in Biden 2.0, I would expect the slowing trend to continue. You would see a number of things done in the Trump administration that might put some additional steam back in the job market. But I recognize forecasting is tough here. That said, what you think will happen to inflation and jobs should be 80% of what you think will happen to the housing and mortgage market.
The traditional forecasting community consistently underestimated growth during the Trump years and consistently overestimated growth during the Biden years. I don’t want to get too much of a digression, but the typical macro models used in the forecast community are very much demand-driven. Things like regulation don’t enter their forecast. It’s not that they’re intentionally wrong; it’s just that they’re not capturing the whole picture.
Nunes: On the fiscal front, several provisions from the Tax Cuts and Jobs Act of 2017 are scheduled to expire at the end of 2025, barring action from Congress.
Calabria: Obviously, the corporate fiscal incentives are quasi-permanent. It’s the individual things that come up. With a Trump administration, you’re largely seeing some tweaks and extensions of the 2017 changes, and they certainly are discussing: what can you do in terms of perhaps stimulating the housing market?
One of the things Republicans are looking at, on the tax side, is some indexing, perhaps temporarily, of the capital gains relief that you see in homeownership. It hasn’t changed since 1997. And of course, $500,000 for a couple in 1997 was a lot of money. It’s a lot less now. Both administrations will be looking at tax incentives to reduce lock-in effects in the existing-home sell side. You can debate if one is more effective than the other. The Biden side seems to be more tax-credit driven. My sense on the Republican side? It is probably more likely focused on capital gains.
Nunes:Regarding monetary policy, The Wall Street Journal reported that Trump’s allies are “quietly” drafting proposals in an attempt to erode the Federal Reserve’s independence. What do you have to say about the independence of the Fed under a potential Trump administration?
Calabria: The Fed operates within the government. The Fed coordinates with administrations. The argument that Trump is somehow bringing a threat to the Fed’s independence is grossly exaggerated, if not completely false. I don’t have a lot of sympathy for that argument. My argument is not that there aren’t going to be some questions from the Trump administration about Fed behavior. My argument is, that’s how every administration behaves to some degree. They just do it differently.
Nunes: How do you see a Biden or a Trump administration addressing the affordability challenges?
Calabria: Housing has been subjected to inflationary pressures like the rest of the economy. There’s certainly a view on the Republican side that you could address inflationary pressures writ large. For instance, the same thing that has been driving up gas and grocery prices has impacted cement, lumber or labor prices. So, they’re all caught together to some extent. If you deal with the underlying inflationary issues, that will help with housing affordability. That’s one broader aspect.
When you drill down into what’s likely to happen, you haven’t seen specific proposals. Most of the Biden proposals, even though they’ll put up some pieces of paper that say “housing supply” at the top, 90% of it is housing demand. What is a $10,000 tax credit for down payments but increasing demand? That’s not going to make housing more affordable. It may make housing more affordable to the individual who gets it, but it makes overall housing less affordable.
Nunes: What else can be done to increase the housing supply?
Calabria: Certainly, on the lending side, the constraint is not you and I get a mortgage; the constraint is the builder getting construction finance. That results from 30% to 40% of community banks since Dodd-Frank having disappeared.
You’re going to see an approach under a Trump administration that’s much more looking at how we strengthen community banks. You need to be able to do that if you want to make construction financing readily available. It’s one of the reasons that you’ve seen consolidation among the builders. You have to deal with the construction lending side of it. And you would see that addressed better under a Trump administration than in the Biden administration.
Nunes: Construction finance is only one challenge. What about labor costs?
Calabria: There’s also a constraint on skilled labor. You have limitations on electricians and carpenters, some of this of course is when you increase spending in other parts of the economy — for example, the infrastructure bill. When you increase demand in the economy for construction labor, you’re increasing the cost of housing. You can argue that it’s worth it, and that’s fine — I’m an economist by training and I don’t think there are any free lunches.
You’ll see a different conversation at a national level in terms of where people should devote their careers. So much of the conversation of the Biden administration has been about student debt relief for doctors and lawyers. You’ll see a much bigger conversation in the Trump administration about how it’s a great thing to be a plumber, carpenter and electrician, and how we strengthen apprenticeship programs. It’s not to take away from doctors and lawyers, but it’s just an emphasis on you won’t get a lot of new housing built unless you can do something about the constraints in skilled labor.
Nunes: What is your opinion on the current administration’s initiatives in the mortgage space?
Calabria: There’s been a weakening of underwriting standards by this administration, not just at FHA, but also at Fannie and Freddie. If I can be slightly humorous, my description of the Biden administration’s housing policies is that they see two families competing aggressively over one house and they believe the solution is to add a third family. You’ve seen this massive expansion, high debt-to-income lending, that has been irresponsible and doesn’t do anything other than erode affordability. That has added to housing demand.
Keep in mind that you’re in an economy where you saw big increases in homeowners insurance. If you’re getting somebody into a loan with a 50 DTI, and then suddenly they’ve got an increase in their homeowners insurance, that’s not a sustainable world. There have been increases in allowable loan to value. Obviously, there’s been a lot of pressure to increase appraisals and weaken appraisal independence, which probably has inflated housing values as well.
They’ve done things that even don’t show up as directly. The CFPB has pushed for the elimination of medical debt and other things [from credit scores]. That may be the right policy, but it inflates FICO scores. If you’re not increasing the credit box to offset that, then you are knowingly decreasing the underwriting.
Nunes: Do you think that the federal government has limited means to influence housing supply, so wouldn’t it be expected to do more on the demand side?
Calabria: Washington doesn’t have a lot of levers in terms of housing supply. I understand if you feel you have to do something, most of your tools are demand-oriented. But that said, you have to recognize that increasing demand when supply is limited makes it worse, not better. There’s a lack of recognition of that.
There have been proposals on the Republican side to release some small amounts of federal land. There’s a process in Nevada, in Clark County around Las Vegas, where you can convert federal land to housing development. The proposal is to essentially allow it in other cities. The Joint Economic Committee made some estimates, and it could result in 3 million new units being built. The federal government does have land. Some of it is in urban areas, like Denver, that are facing affordability challenges but can be converted. Nobody’s talking about chopping down the redwoods or building housing in Death Valley. But it’s hard to see this administration ever thinking about federal lands to do anything other than be dirt.
Nunes:Among the steps taken by this administration, they reduced mortgage insurance premiums for FHA loans. How do you evaluate this decision?
Calabria: It only increases demand. There are things that the industry may like. Some of that is good for overall affordability. Some of it isn’t. Did housing prices go down after they did that? Did homeownership go up after that? No.
Obviously, the industry is under tremendous pressure, particularly on the nonbank side. Rather than trying to target things that look like they help the industry, if you target things to get the overall market going, that’s the better approach. For instance, on the tax side, if you allow some capital gains relief, many people with those 3% mortgages may be willing to sell their homes, which will increase the volume, increase existing-home sales and bring some of the volume back.
Nunes:What changes could we expect for the CFPB under a potential Trump administration?
Calabria: I don’t think the CFPB is going away — as much as that would be nice. But I do think you are going to see a difference in the stance, which will matter in the mortgage industry, in terms of enforcement and obligations. The Republicans’ approach to the CFPB is to say that there are wrongdoers; we will go after the bad guys. This administration says the same thing, and that’s where the overlap is. The difference is this administration also has the view that we’re going to use the CFPB to pick winners and losers to redistribute to our friends and engage in a lot of social engineering. And that’s a much different approach from just going after the bad guys.
Writ large on compliance and regulatory costs, Trump’s CFPB will be considerably lower. Post Dodd-Frank, one of the problems has been that it costs so much more to originate loans. A tremendous amount of that is because of regulatory costs. It’s not like the bad guys get to run wild; you’d still see enforcement.
Nunes: What’s the future of HUD, in your view?
Calabria: HUD is not going away. There may be some changes in some of those programs. And that’s fine, because much of what they’re doing today is just adding to demand without added supply. And of course, you’re not going to be able to deal with inflationary pressures unless you’re willing to make some changes to the budget. And if we’re going to make changes to the budget, anything, including HUD, should be on the table.
Nunes: Would a Trump administration’s goal be to resume some of its past projects, such as releasing Fannie and Freddie from conservatorship or implementing more caps on their purchases?
Calabria: There’s a much higher chance in a Trump administration of Fannie and Freddie coming out of conservatorship. You don’t need Congress to do it. Having been the guy who started it, I know a lot of work was done. There’s a road map; it’s all doable. It’s a benefit to the industry because you reduce the degree to which politics drives. You have to go back to letting Fannie and Freddie behave as businesses. It will bring a lot more certainty to the industry.
The restrictions put in place were always done to minimize disruptions to the primary purchase market. In 2020, when investment caps were put in place, everybody said the sky was falling. Did the sky fall? No. That business got picked up. It was done by other people. Trump is a developer. The guy spent his entire life in real estate. He tends to have people in the administration who understand how the housing and mortgage markets work.
Just like you saw in 2021, any constraints on Fannie and Freddie will be done to minimize disruption in the mortgage market. You can look at all these people who said in 2018 and 2019 that Calabria would kill the mortgage market. It didn’t happen. Nobody benefits from a strong Fannie and Freddie more than the mortgage industry.
Nunes: One initiative from Freddie Mac is a pilot program to purchase closed-end second mortgages. Do you support this idea?
Calabria: I would certainly expect that to get suspended. Should we be spending the portfolio on second mortgages instead of mortgages that are purchases? I recognize that the industry is hurting. Everybody wants to focus on things that bring the overall market back. But you can’t blow up Fannie and Freddie at the cost of it. That might feel good in the short run, but it’s not the right approach in the long run.
Nunes: A topic that’s been covered extensively at HousingWire is the National Association of Realtors’ settlement and changes to agent commission structures. What are your thoughts on that?
Calabria: If you remember, there was a 2020 settlement with NAR. That got thrown out the door. There’s a very high likelihood that it reverts back to the 2020 settlements. Again, that doesn’t stop some of the litigation out there. But you would see a very different stance toward the real estate industry and the kind of war on Realtors comes to an end.
Nunes: Who would you expect to lead federal housing agencies and companies under a potential second Trump term?
Calabria: It’s too early to say. But you’re likely to have people who are both experienced regulators and people with deep experience in the capital markets. You’ll have people who have experience with Trump’s style and understand how he governs. It’s less surprising, perhaps, this time around.
Nunes: Would you return to the government? If so, in what capacity?
Calabria: I believe in public service. If asked to serve in a capacity to make a difference, I would certainly be inclined to accept. But which capacity, that’s up to the president. You don’t get to choose it. My interest is broadly financial services.
Inside: Here are fun things to do with no money. You don’t have to spend money to enjoy yourself! Plus you save money!
Having fun doesn’t have to cost a fortune! You can have a good time without spending a dime.
But, that is the trap, we find ourselves in. We believe that in order to have fun, you must spend money.
However, we are going to debunk that myth.
It is possible to have fun without spending money. This is something my family does ALL-THE-TIME. There are plenty of places to go when you have no money. There is so much available in our society to explore that you never get bored or run out of ideas. And your wallet and bank account will thank you!
If you are looking for fun things to do when hanging out with friends or fun things to do with kids, your boyfriend, girlfriend, mom, spouse, or anyone in your life, this list is for you!
You will find plenty of activities to do at home, at night, or near you.
Plus the best part… we have tons of memories and experiences from these no money activities ideas!
Today, you will get a glimpse into how you can live differently with your money. Show you fun things to do when you’re broke. Maybe you’re not broke, but choosing to live a frugal lifestyle like us. Either way, you will save money along the way that you can use for something else.
It doesn’t matter if you make $15 an hour or have a 6 figure salary, these tips are for you!
We have found plenty of things to do without spending money.
Today, you are going to learn fun stuff to do that doesn’t cost money.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
What Can You Do Without Money?
Honestly, a whole lot.
There are so many free activities available today. You just need to put on a different perspective than the urge to spend money. These no money activities will keep your hard-earned cash in your hands and then you can use it towards your money goal. That is a win! Actually a HUGE WIN!
The question is… are you willing to try something new? In this case, something new would be a money free weekend or maybe a no spend month.
There are so many free fun things to do available to us, but we opt to spend money because that is the natural societal habit. Whatever your reason for finding fun things to do that don’t cost money, you are in the right place.
We are going to cover an extensive list of things to do instead of spending money.
This will make your no spend challenge easier or just a desire to save more money to reach your money goals.
Without further ado, let’s cover the 101 plus things to do that don’t cost money.
Fun Things to Do With No Money
We are going to dive into plenty of things to do instead of spending money. This list might surprise you with how many things to do for free.
For the frugal green person, this is exactly what they want to do.
You will find specific ideas for fun things to do with friends, over here.
1. Call a Friend: Back in the day, we spent many hours on the phone just talking with our friends. (Hint: like hours on end talking). Pick up the phone and call your friends. I am pretty sure you will come up with another fun thing to do next.
2. Bucket List: This is a must-have for everyone! Do you have a bucket list of things you want to do? Use timeframes to help create your list – one month, one year, three years, five years, 10 years, 20 years. Or in your lifetime? Don’t be worried if some of these ideas on your bucket list cost money. That will be figured out later. It doesn’t cost any money to make your bucket list.
3. Head to your Local Library: This is the best way to begin a frugal lifestyle. Libraries are jam-packed with free things – books, music, videos, games, or events. Plus you can find options for physical items as well as digital versions. Many libraries now have maker spaces, interaction labs, and kid play areas. These STEM spaces are available to further your creativity and not to spend money on equipment. Check to see if your library offers 3D printing!
4. Volunteer Usher. This is a great tip for Money Bliss reader, Elizabeth and one many of my friends did recently. By volunteering your time, you are able to check out the hottest concert or play for free. The key is your availability and finding the right contacts.
5. Explore Like a Tourist: Have you explored your own city the way you would if you were traveling? More than likely not. There are so many no money activities available. Just grab a tourist guide and start exploring.
6. Geocaching: Join in on the world’s largest scavenger hunt. It is easy to participate and a free activity. The goal is to catch hidden caches using GPS coordinates. All you need is a smartphone or a GPS device to participate. Time to find your next treasure!
7. Volunteer: Have you a passion? Then, find a local charity where you can volunteer. There are plenty of great organizations that are always looking for additional help to reach and help
8. Games: This is a favorite in our house. Each Sunday, you can find us playing games. Whether a card game, dominos, or board game, the options are endless. This is a class thing to do with friends and family. One of our favorites is Taco vs Burrito!
9. Get Outside: We are blessed to live in such unique and beautiful areas. Yet, we barely manage to step foot outside. As a family, this is one of the best ways we save money. It probably tops my list of the best frugal living tips. The world is full of free things to do for free and explore!
10 Start a Club: Remember your favorite after-school club from elementary school? What was your favorite part about it? More than likely, it was about connecting with your friends with the same interests and spending time together. The same concept is the same as adults. Dedicated time to hang out with your friends with the same interests. There are plenty of clubs that you can start. Here are some ideas: reading club, sewing club, cooking club, fishing club, mom and tots club, etc.
11. Explore the Outdoors: Fresh air is amazing for our bodies. Plus our world is filled with no money activities to do. Get outside, explore, and see your surroundings in a fresh perspective. You don’t need a ton of fancy equipment that comes to mind when wanting to explore nature. Just head outside and follow where your feet take you.
12. We Got No Money Party: When you are looking for places to hang out with friends, look no further than your own place. Gather some friends and have them over for the night. The only ground rule is they can only bring food and drinks from their house. Same goes for games and other fun activities.
13. Teach Others about your Hobby: What is your passion? Teach others about your favorite hobby. Who knows… maybe you can turn it into a side hustle and earn extra cash.
14. Scavenger Hunt: Kids love scavenger hunts and guess what… inside every adult is someone who loves a good scavenger hunt. Plenty of free scavenger hunt ideas with a little Google search.
15. People Watch: This is probably one of my favorite money-free activities to do when bored especially at IKEA. Just head to any local place and people-watch. Many times it is better than TV sitcoms. Grab a friend and you can create stories to attach to those you are observing.
16. Puzzles: When is the last time you have taken on a puzzle? Research shows it is one of the best things we can do to slow aging and diseases like Alzheimer’s. More than likely, you don’t have an extra puzzle lying around. Ask to borrow some from friends. Also, you can get ones for free on Next-door or Buy Nothing Facebook groups.
17. Host a Vision Board Party: This is a trending activity right now! There is no better time to manifest your dreams and goals than with your favorite people. Plus you can create a better life for yourself. Learn how to host a vision board party today!
18. Museums and Zoos: Many of the smaller museums and zoos are free entry. To check out the major museums and zoos, check their website to see when they offer free days. Most local cities are required to offer many free days in order to get funding from the city. Another way to get free admission is with your credit card, business affiliation, or college affiliation.
19. Free Tours: These are places to go when you have no money, especially in a big city. The options are endless on the types of businesses in the area. Some free tours include the U.S. Mint, candy factories, capital building, parks, brewery tours, etc. The list can be endless when finding free tours.
20. Apple Classes: Want to learn how to use your phone and be more productive? Need to cap your kid’s time on their devices? Want to learn how to take better pictures with your iPhone? You can do that in one of the many classes. Look for classes near you.
21. Pinterest Party: Let’s face it… We pin a lot of things that we want to do. Recipes we want to cook. Desserts to book. Crafts to make. Skills to learn. Time to brush off those Pinterest boards and find something to do.
22. Movie Marathon: Time to sit back and enjoy all of your favorite movies! If you don’t already have cable or Netflix, then you can still do this without spending money. Start a free Paramount+ trial (just make sure to cancel it), head to the local library, or swap movies with friends.
23. Learn a New Skill: Another productive way to use your spare time is learning a new skill. With learning, the options are endless. With the library and YouTube, it is easy to learn new skills without paying for lessons. The new skill I want to learn is how to play the drums. What is the new skill you want to learn?
24. Local Events Calendar: Hello free activities! Every city will offer some local activities throughout the year. Just mark your calendar. These events are perfect for hanging out with friends and for local fun.
25. Go for a Walk or Run: This is the ultimate no money activity. Grab your shoes and head outside to clear your head. The fresh air will do wonders and doesn’t cost a thing. Maybe this is the time to challenge yourself for that 5K or half marathon?
26. Go for a Bike Ride: For those who own a bike, it would be time to dust it off and go for a bike ride. This is a great way to exercise without a gym membership. Plus, if you are a spender on the way home from work, then look at commuting on your bike to avoid temptations. Personally, I enjoyed cycling so much that it made sense to upgrade my road bike. There may be a small cost to maintaining a cycling lifestyle, but it brings hours of exercise and I am too tired to do anything later.
27. Go Hiking: Find a local hiking trail. Before you go, make sure you have water and some sunscreen.
28. Make a Meal: The caveat is you can only use ingredients that you have currently in your house. No running to the store and spending money. Create a meal from what you have available.
29. Go on a Picnic: This is a favorite in our house! Change up your lunch or dinner by eating in a different location. Load uptake food, choose a spot, and go! You can go on foot, on bike, or take a little trip by car. Either way, you have to eat!
30. Write a Letter: When was the last time you wrote a letter? Not an email, text, or social media post. An actual letter that can be given to someone or mailed for a tiny price. Another great idea is to write a letter to someone to open at a future date. Some examples include: to your kids on their 16th birthday or when they get married.
31. Swap Items: This is one of the best ways to not spend money and get something in return!! Go shopping through someone else’s stuff and swap. You can create a host a swap party for items like clothing, toys, games, kitchen supplies, home decor, books, tools, etc. One person’s trash is another person’s treasure. This is something that you can do in person or online.
32. Birdwatch: Never been bird-watching? Then, grab a bird-watching book from your local library to make sure you can tell the birds apart and learn a few new facts.
33. Pick up a Book: What do you prefer – fiction or nonfiction? There are plenty of books to keep you entertained for hours. Also, you could ask a friend to read the same book and then plan a time to discuss it. If your local library doesn’t offer what you are looking for, then start a free trial of Kindle Unlimited.
34. Check Out a Local Gym: Almost all gyms want people to check out their place. Many will offer a free class or up to a free week. Try out a new spin class, yoga class, pilates class, or CrossFit. There are so many gyms popping up on every block that this can keep you busy and fit for a couple of months.
35. Photography: We all know that we have one of the best cameras at our disposal, but do you use the camera in your phone to the best of its ability? You can fiddle around with it, check out some YouTube channels, or head to the Apple store for a free class.
36. Photo Shoot: I stopped buying professional pictures of my kids a long time ago. There wasn’t a point in spending the extra money because as a parent I seriously have taken thousands (if not hundreds of thousands) pictures of them. And we have saved tons of money over the years, especially on sports and team photos.
37. Slideshows: Now, that we have tons of photos… what should we do with them? Turn them into a slideshow or some other digital way to view your photos.
38. Nature Walks: These types of walks have a purpose. To explore and realize the nature around you. Typically, in our house, the goal is to find 10 different types of objects (smooth, rough, prickly, big, small, etc.) or look for something with the same characteristics (like various rocks). The list of types of nature walks you can come up with is endless.
39. Go Sightseeing: There are so many beautiful places to look at in our cities. You can head up to the mountains, the beach, or even urban areas. You can plenty of things to do around here. Don’t forget your camera!!
40. Clean Your House: Really? Does this have to go on the list of ways to spend weekends with no spending money?!?! But, what a great way to spend your time especially when bored. Plus you will have something to show for your elbow grease and hard work.
41. Projects You Put Off: Raise your hand if you can think of a project or two (or ten) that you have put off. When you don’t want to spend money, it is a great time to dust off that list and dig in.
42. Make a Budget: If you are broke or struggling with no money, then it is time for a budget. A budget isn’t meant to be constricting. It is designed to help you spend money the way you want to. Manage your money ahead of time. Learn how to make a budget.
43. Take Surveys for Money: Have spare time, then make some extra money by taking surveys. One of the easiest things to do and not spend money. The best surveys to do include:
44. Declutter: This is one of my favorite things to do, but also one of the hardest. Why? I realize all of the money I spend on wasteful items that we don’t even use in the house. Many were impulse purchases or out of boredom. Then, it is hard for me to declutter and get rid of the items because of wasted money. However, living with less stuff means more meaningful time on things that matter.
45. Dive into Basement Storage: You could be doing one of two things. Cleaning out the basement area and getting rid of the unnecessary stuff burdening your life. Or pull out some of your favorite treasures and find a way to use them.
46. Clear Out Garage: This one makes me cringe, too! A great way to make productive use of your time on a no spend day is to clean out the garage. Clean out the unnecessary items and organize what is left. That way you can find a screwdriver the first time you look.
47. Neighborhood Cleanup: Since we are in the cleaning mood, let’s spread out to your local neighborhood. This is a great activity to do with a group of friends. With just a trash bag, you can leave a beautiful area for many to enjoy.
48. Redecorate a Room: What is more fun than a refreshed space? This is easy to do when changing out seasonal decor. Or just move the furniture around to create a whole new look. We did that with our dining room table direction and people would always think we did something massive!
49. Take a Nap: Who doesn’t want a nap (except for that young child who needs a nap)? Take care of yourself and take a step back from the busyness of life. Nap time is a special treat. Plus you can’t spend money when you are sleeping!
50. Video Gamer Competition: You can get free games through your library or with a free trial on Twitch. Just make sure to grab a friend to join you for a little bit of people socialization.
51. Playgrounds: Something that is easy things to do around here is found right in your neighborhood. Head to the local playground and run around crazy after your kids. Play tag and you will wish you had all of the energy they do! Change things up and find a new playground to check out.
52. Dump Debt: I always felt broke when I was in debt. If I spent money, I felt guilty about it. Figure out your debt free date and learn how to pay off debt faster. Use an app called Tally to help you overcome your debt.
53. Play Chess: This is a classic game that everyone should learn how to play. Plus it is one of the best free no no-money activities. Many cities have full-size chess pieces in local parks that make playing that much more fun!
54. Watch a Documentary: This is spare time well spent. A documentary will open your eyes to various views and perspectives. This is a productive use of your time.
55. Dance Party: This is always a hit, especially with kids. You don’t need to worry about where to go when you have no money. You can bring the party to you! There are so many free ways to listen to tunes and no money is spent for moving your body.
56. Delete Unused Apps: Take a few moments and delete any unused apps off your phone. This will help improve phone efficiency.
57. Art Supplies: Gather up all of the art supplies and see what type of creations you can make with stuff that you already have. Double bonus if you create some gifts, too! This is a great idea of things to do with friends! Here are things to draw when bored.
58. Cancel Unused Subscriptions: When you are broke, you need things to do, then look at what you spend money on but don’t use. This is a great money-saving tip! Use a service like Trim or Paribus to help you.
59. Daydream Life Without Debt: Okay, one of the top reasons people are broke is because of debt. We were in that situation too. I would always daydream about life without debt. And then it happened! Read more about our story on why we became debt free. Now, you can start to daydream about life without debt, too!
60. Listen to Podcasts: This is a great way to increase your knowledge around a certain subject or topic. Find your favorite podcast.
61. Post Skills & Make Money: Do you have a specialized skill or service that you can offer? You can post your skills and services on NextDoor, TaskRabbit, or Fiverr. It could be something as simple as shoveling walks or raking leaves. This is great if you want to double $10k quickly.
62. Make Extra Money: One of the best things to do instead of spending money is to be making money. There are plenty of ways to keep you entertained and not bored. Check out this list 20 Genius Ways on How to Make Money Fast. This cannot be stressed enough!
63. Feed the Ducks: Okay, well today, you aren’t allowed to feed the ducks. But, they are interesting creatures to watch and keep you entertained. But, this is somewhere to go when you have no money.
64. Memory Lane: Let’s take a stroll down memory lane. Pull out old photo books, find your keepsake box, and scroll to the of your pictures and videos. Grab some Kleenex and take a walk down memory lane.
65. Visit a Nursing Home: Looking where to go when you have no money? Then, look no further than the closest nursing home. Their residents are always looking for people to interact with. After striking up a conversation or two, you will walk away with golden nuggets of life lessons and a chance to learn from your mistakes.
66. Meal Plan: This one is a productive use of time plus will save you money over the next week. Use this money saving tip and learn how to meal plan like a pro.
67. Mediation: We are constantly on the go. When was the last time, you were just still? Take time and meditate. Start with mindfulness meditation. This is when you learn to pay attention to your breath as it goes in and out. Clear your mind.
68. Try a Budgeting App: This is a great time to stop living paycheck to paycheck and truly figure out where you spend money. Here are some great budgeting apps:
69. Set Goals: When you are asking yourself, “How can I spend weekends with no money?” Start by setting goals. Without an idea of where you go in life, you will be just bobbing along from one thing to another. Get help on making money goals.
70. Bake: More than likely, you probably have all of the baking necessities on hand. Try a new recipe or make an old favorite. Grab a friend or family member to make it more fun! Have too many cookies? Take them to a fire station or a nursing home.
71. Open Houses: In the market for a house, looking to remodel, or just want to redecorate, then check out open houses for ideas and inspiration. There are hundreds each week and a great way to spend weekends with no money. To add more fun, create a persona and a story on why you are looking at houses.
72. Watch a Sunrise: What better way to experience the wonderful beauty of nature! Find a spot to watch a sunrise and soak up the morning rays. Maybe even combine it with a short hike.
73. Watch a Sunset: The sunsets are us can be magical and absolutely colorful. There are so many spots to watch a sunset. Plus no two sunsets will be the same. Maybe even back a picnic.
74. Time Capsule: Make yourself a time capsule to be opened on a big birthday or in a big life year.
75. Craw Dad Fishing: Calling all dads (and maybe moms)! Head to a local creek with some sticks and hot dogs as bait. This is probably my kid’s favorite summertime activity.
76. Build a Fort: This is the only reason I keep so many blankets on hand. Kids can spend hours on end creating a fort with blankets. Pull in the chairs and start building. This will also include STEM learning because it is a science to get blankets to stay up on the fort without caving in.
77. Camp in Your Fort: Yay! Spend the night in your fort and pretend you are camping. This is a great stay-at-home idea for young kids.
78. Play in the Snow:I will admit it is snowing while I type this. All you need to do is head outside and find plenty of things to do without spending money. You can make snow angels, have a snowball fight, color the snow funny colors, catch snowflakes on your tongue, or shovel for extra money.
79. Built an Igloo Fort: This takes me back to feeling like a kid (at least until the soreness kicks in). Building a fort out of snow is so much fun! You can quickly spend hours outside and have a blast. Then, have fort wars!
80. Visit a Farmer’s Market: Learn what fruits and vegetables are local to your area. This is one of my favorite activities especially in small towns.
81. Learn a Foreign Language: With so many cool apps and websites, you can teach yourself how to speak a foreign language. Maybe you just need to brush up on those high school classes. Then, you can volunteer at a local community center to practice!
82. Find a Pet to Love: Head to your local animal shelter and love some pets that need to be rescued. This is a great way to not spend money and help the community. Maybe donate extra blankets to help out the rescue.
83. Figure Out Your Net Worth: This one hasn’t been popular with many of my readers. But, your net worth has to start somewhere (even if it is negative). However, we have been working to increase our liquid net worth this past year. If your goal is to become a millionaire next store, you have to start somewhere.
84. Dress Rehearsal. This one may be harder to find, but an awesome idea if you can. Some venues will allow people to attend their dress rehearsals for big shows. You won’t have the same experience as the real show. At the end of the show, you will save lots of money and may be asked to provide feedback.
85. Sound Checks: Is your favorite bank headed to town and you can’t afford to go? Then, go a couple of hours before the start of the concert and keep your fingers crossed they are doing sound checks. This works really well for outdoor concert venues. I have a cousin who has become a pro at this!
86. Get on a Realtor’s Mailing List: Realtors are always marketing their services and vying for attention. Many realtors will send out mailers with local activities that you can explore for free. Others may invite you to special events that are really fun and totally free for you!
87. Minute to Win It: Play this game against the clock which will have you laughing for hours. Most of the minute to win it games are with items you can find all throughout your house. This one is a winner to hang out with friends, kids, or families!
88. Find Grand Openings: This is where to go when you have no money. Search for grand openings in your local area. Many times you will walk away with freebies and other goodies! Plus more than likely you will have a story to share about your experience.
89. Free Exercise Routines: No need for a gym anymore! You can download apps for plenty of workouts to keep you fit and healthy. Scroll YouTube for yoga classes. If your goal is to lose weight, then try Healthywage and get paid for losing weight.
90. The Bad Gift Exchange: Plan a party with friends and tell everyone to bring the worst gift they got from the previous holiday. Hold a funny white elephant exchange and laugh at what people spend money on.
91. Free Class at Community Colleges: Check out your local community college for the free classes they are offering. You should be pleasantly surprised at how many free classes you can take.
92. Free Classes at Stores: Hitting up stores may seem backward on where to go when you have no money. However, many stores offer free classes or projects. The goal for stores is to get you in the store in hopes that you will buy one or two things while you are there. Resist the urge to buy something and go for the free projects. Stores I know that offer free classes, projects, and crafts: Ikea, Home Depot, Lowe’s, Joann’s, Michaels, and smaller mall stores.
93. Favorite Recipes List: Too many times we forget some of our favorite recipes and they go un-made for months. Create your go-to recipes that everyone in your family loves. This will make your meal planning much easier and faster. Even better… convert your recipes to a digital file.
94. Research your Genealogy: If you want to know more about your family history, then you can spend hours learning more on the various genealogy websites. Even better, call the family historian to learn more about your heritage.
95. Fly a Kite: Don’t worry about having to buy a kite in order to have fun! Get creative and make your own. This is something my kids have figured out how to do on their own with store grocery bags and string.
96. Invite Your Kid’s Friends Over: Kids always want time to hang out with friends. They can always find something to do with their friends. Then, you can get some quiet time. You don’t need to spend any money for everyone to have fun. It is a win-win situation.
97. Get Your Personal Finances in Order: This is one of the most important things to do. Yet, it always slips to the bottom of your list. Learn how to organize your personal finances and make sure your wills are up to date.
98. Make a To-Do List: There is no better time to power through your to-do list. It is a great idea to not spend money and be productive. You may have to DIY projects or save money to finish them another day. But, you can tackle the hard stuff.
99. Last Text Message: Scroll all the way to the bottom of your text message list and find that friend you haven’t talked to in a long time. Invite them over and have a conversation.
100. Free Apps: There are so many free apps available. You can learn a new skill, play a game, organize your life, sharpen your brain, and connect with friends. The options are endless on this one!
101. Local Festivals or Events: Once again, there are so many free activities. Check out your local area for weekend activities. Bonus hint: pack your own food and snacks so you aren’t tempted to spend money with the food vendors.
102. Camp in Your Backyard: You don’t need to drive anywhere to camp. My kids love setting up the tent to camp right here at home. The tent gets more use and the bathrooms are mighty convenient.
103. Check Newspapers. From Money Bliss reader, Elizabeth recommends checking the local newspaper as they list out all of the local events in the community. Her money saving tip is to use the library’s copy for free. Also, the online digital version may have the same info.
104. Free Trials: When you are looking for things to do for free and that don’t cost money, then look no further for free trials. The options are endless because people want to try out their product. At a bike event, I was able to do a free trial for a road bike. It was a great way to check out what I liked and not spend any money.
Ideas for possible free trials:
Just make sure to cancel before the trial ends!!
105. Count Your Blessing: Too many times we take for granted everything that we have. Take the time a start writing a list of everything you are grateful for. These blessings have enriched your life. Find ways to enrich someone’s life.
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The popular book of coupons is now a downloadable app!
The Entertainment® Book and Digital Membership offer 2-for-1 and up to 50% off discounts, all conveniently accessed on our mobile app, online or in the book.
Great way to save money on local restaurants, activities, hotels, adventures, and more!
Groupon’s top deals updated daily.
Discover and save on thousands of great deals at nearby restaurants, spas, things to do, and more.
How do you have fun without spending money?
Now, we have covered an extensive list of things to do with no money. Hopefully, you have learned that you don’t need to spend money to have fun.
You can enjoy your time and not spend money. You can be productive when bored.
You will always have an answer to what do you do for fun!
There are so many ideas to help you through your no spend days.
That should be a smile on your face (and your bank account).
You can figure out what should I do today.
The less money you spend each day the more money you can save for one of our money saving challenges. That is one of the best things you can do for your finances.
Don’t Miss… 90+ Fun Things to Do on Christmas Day
What are your favorite places to go with friends when you have no money? If I missed one of them, please tell me in the comments.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
Welcome to the charming city of Richmond, VA, where history meets modernity and southern hospitality is at its finest. With its cobblestone streets, historic architecture, and bustling arts scene, Richmond offers a unique blend of old-world charm and contemporary allure. Residents here enjoy a thriving culinary scene, picturesque parks, and a strong sense of community. Whether you’re drawn to an apartment in the downtown area of Richmond or a rental house in the peaceful suburbs, there’s something for everyone.
In this Apartment Guide article, we’ll cut to the chase, breaking down the pros and cons of moving to Richmond. Let’s get started and see what awaits in this historic and vibrant city.
Pros of living in Richmond, VA
1. Rich history and culture
Richmond is steeped in history and culture, offering residents a deep sense of heritage and tradition. From the historic cobblestone streets of Shockoe Bottom to the iconic Monument Avenue lined with statues of Confederate leaders, the city is a living museum of American history. The Virginia Museum of Fine Arts and the American Civil War Museum provide enriching experiences for art and history enthusiasts, while the city’s vibrant arts scene showcases local talent and creativity.
2. Outdoor recreational opportunities
With its proximity to the James River and the scenic beauty of the surrounding area, Richmond boasts an abundance of outdoor recreational opportunities. Residents can enjoy kayaking, paddleboarding, and tubing on the river, as well as hiking and mountain biking along the extensive trail system. The city’s numerous parks and green spaces, such as Maymont Park and Belle Isle, offer tranquil retreats for nature lovers and outdoor enthusiasts.
3. Culinary delights
Richmond’s culinary scene is a melting pot of flavors and influences, with a diverse array of restaurants, cafes, and food trucks to satisfy every palate. From Southern comfort food and barbecue joints to trendy farm-to-table eateries and international cuisine, the city’s dining options are as varied as they are delicious. The annual Beer, Bourbon, and BBQ Festival and Lebanese Food Festival celebrate the city’s culinary diversity, showcasing the talents of local chefs and artisans.
4. Affordable cost of living
One of the appealing aspects of living in Richmond is its relatively affordable cost of living compared to other major cities on the East Coast. The average rent for a 2 bedroom apartment in Richmond is $1,754, below the national median rent of $1,987. Housing options range from historic homes in charming neighborhoods to modern apartments in the bustling downtown areas, offering residents a variety of choices to suit their lifestyle and budget. The city’s lower overall cost of living allows for a comfortable and fulfilling life without breaking the bank.
5. Thriving arts and music scene
Richmond has a thriving arts and music scene, with a strong sense of community and creativity that permeates the city. The First Fridays Art Walk showcases the work of local artists and galleries, while live music venues like The National and The Broadberry host a diverse range of performances, from indie rock and hip-hop to jazz and blues.The annual Richmond Folk Festival showcases local musicians as well as larger national acts. The city’s support for the arts fosters a vibrant cultural landscape that enriches the lives of residents and visitors alike.
6. Access to higher education
Richmond is home to several prestigious colleges and universities, including the University of Richmond, Virginia Commonwealth University, and Virginia Union University. The presence of these institutions not only contributes to the city’s intellectual and cultural vibrancy but also provides opportunities for lifelong learning and personal growth. Residents have access to a wide range of educational and enrichment programs, as well as cultural events and lectures hosted by the local academic community.
7. Close-knit communities
Richmond is known for its close-knit communities and strong sense of neighborhood pride, fostering a welcoming and inclusive environment for residents. From the historic charm of Church Hill to the eclectic energy of Carytown, each neighborhood has its own distinct character and identity. The city’s strong community spirit is evident in the numerous local events, farmers’ markets, and neighborhood gatherings that bring people together and create a sense of belonging.
Cons of living in Richmond, VA
1. Humid climate and unpredictable weather
Richmond’s climate is characterized by hot, humid summers and mild winters, with occasional extreme weather events such as hurricanes and tropical storms. The high humidity levels can be uncomfortable for some residents, especially during the summer months, while the unpredictable weather patterns may pose challenges for outdoor activities and planning daily routines.
2. Traffic congestion and limited public transportation
Like many urban areas, Richmond experiences traffic congestion, particularly during rush hours and peak travel times. The city’s public transportation system, while improving, still has limitations in terms of coverage and frequency, making it less convenient for some residents to rely on public transit for their daily commutes. The lack of comprehensive public transportation options may contribute to traffic congestion and parking challenges in certain areas.
3. Limited job opportunities in certain industries
While Richmond has a diverse economy with a strong presence in sectors such as finance, healthcare, and government, some residents may find limited job opportunities in certain industries. The city’s job market may not be as robust in fields like technology and creative industries compared to larger metropolitan areas, which could pose challenges for individuals seeking employment in specific sectors. Major employers in Richmond include VCU Health Systems, Capital One Financial, Virginia Commonwealth University, and Dominion Energy.
4. Allergens and pollen levels
Richmond’s natural beauty and lush greenery come with a downside for allergy sufferers, as the city experiences high pollen levels during certain times of the year. Residents with allergies may find themselves affected by seasonal allergens, which can impact their overall well-being and quality of life, requiring them to take extra precautions and seek appropriate medical care.
5. Limited nightlife options
While Richmond has a vibrant arts and music scene, some residents may find the city’s nightlife options to be relatively limited compared to larger urban centers. The availability of late-night entertainment, bars, and clubs may not be as extensive as in other cities, which could be a drawback for those seeking a more robust nightlife experience.
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High interest rates and low inventory have plagued the housing market, making it particularly difficult for younger adults to enter the world of homeownership. In recent years, millennials have notoriously struggled with owning houses — has Gen Z learned from their struggles enough to create better paths to homeownership?
At the very least, they’re keeping a positive attitude: Research from ServiceLink found that the younger generations had a more optimistic view of the housing market in 2024, with 56% of Gen Zers and 51% of millennials believing that conditions for buying were favorable, compared with 38% of Gen X and 18% of baby boomers. However, the survey results were not all that positive when it came to the respondents’ views on interest rates: Forty-two percent of those who considered buying a home in the past 12 months gave up the quest.
It’s all driving new trends in housing, especially among the youngest working generation. Gen Z is finding creative solutions to alleviate housing costs, with recent college graduates moving back home with their parents at a higher rate, as well as using “house hacking,” or renting out part of your property to afford housing costs.
Read more: Gen Z factors future rental income in home buying decisions
“Housing is very costly. People are definitely more open to sharing space,” Danny Gardner, Freddie Mac’s senior vice president of mission and community engagement, recently told National Mortgage News.
Some loan officers, including John Birke of Movement Mortgage, have developed marketing aimed at tapping into this interest on TikTok, a social media channel the industry has increasingly been experimenting with as a way to reach younger generations.
“I’ve done several videos about house hacking. I think it’s going to become more and more popular in the future,” Birke said. “Both Gen Z and millennials are frustrated that they’ve been essentially shut out of the housing market with few options for buying a home.”
Gen Z may also have more pressing financial concerns to balance such as erasing debt, especially from student loans, according to a FinLocker survey last year. While mortgage lenders are seeking to court young homebuyers with attractive marketing, the appeal of rental income is undeniable.
Read more: Housing affordability initiatives launched this spring
There are, however, a few trends working in Gen Z’s favor. The flexibility of remote work, which Gen Z has benefited from for much of their adult life, gives younger adults the opportunity to buy homes in more affordable areas while still working jobs in expensive, urban areas.
Many Gen Z homeowners likely purchased during the ultra-low rate era of 2020 and 2021, data from Redfin suggests. Their advantageous window compares favorably to Millennials, who in their early 20s lived through the Great Recession, and Gen Xers, who faced mortgage rates around 11% in 1989, when the oldest of that cohort were 24 years old.
Read more about recent Gen Z housing trends below.
Whether you’re drawn to the historic architecture of downtown Worcester or the scenic beauty of its surrounding nature, this city has something for everyone.
Welcome to the vibrant city of Worcester, MA, where history meets modernity and a diverse community thrives. From its rich cultural heritage to its bustling arts scene, Worcester offers a unique blend of urban excitement and small-town charm. With its renowned colleges and universities, the city attracts a dynamic mix of residents, creating a lively and inclusive atmosphere. So whether you’re searching for the perfect apartment in the heart of Worcester or eyeing a cozy home in its peaceful suburbs, you’ve come to the right place.
In this Apartment Guide article, we’ll cut to the chase, breaking down the pros and cons of moving to Worcester. Let’s get started and see what awaits in this dynamic and welcoming city.
Pro: Rich cultural heritage
Worcester is steeped in history and boasts a rich cultural heritage. The city is home to numerous museums, including the Worcester Art Museum and the EcoTarium, offering residents and visitors a chance to explore art, science, and history. Additionally, the Hanover Theatre for the Performing Arts hosts a variety of shows, from Broadway productions to concerts, providing ample opportunities for cultural enrichment.
Con: Limited public transportation options
While Worcester does have public transportation services, some residents may find the options to be limited compared to larger cities. Depending on individual needs and preferences, access to convenient public transit routes and schedules may vary, requiring careful consideration for daily commuting and travel.
Pro: Thriving food scene
Worcester’s diverse culinary landscape offers a wide array of dining options, from trendy eateries to family-owned restaurants. The city’s food scene includes a mix of international cuisines, farm-to-table establishments, and innovative food trucks, catering to all palates. Residents can savor everything from traditional New England seafood to global flavors, making Worcester a paradise for food enthusiasts.
Con: Seasonal allergies
Worcester’s natural surroundings and green spaces can contribute to seasonal allergies for some residents. Pollen and allergens from trees, grasses, and plants may affect individuals with allergies, requiring proactive measures to manage symptoms and maintain overall well-being.
Pro: Affordable cost of living
Compared to other major cities in Massachusetts, Worcester offers a more affordable cost of living. Housing prices are relatively lower, and everyday expenses, such as groceries and utilities, are more budget-friendly. As of spring 2024, the average rent for a 2 bedroom apartment is roughly $2,000/mo. This makes Worcester an attractive option for individuals and families looking to enjoy the amenities of a city without breaking the bank.
Con: Urban sprawl
As Worcester continues to grow, urban sprawl and development may impact the city’s natural landscapes and open spaces. Balancing urban expansion with environmental preservation is an ongoing concern for residents and city planners, as the city strives to maintain its unique character and green spaces.
Pro: Higher education hub
Worcester is home to several prestigious colleges and universities, including Worcester Polytechnic Institute and Clark University. This creates a vibrant academic environment and contributes to the city’s cultural diversity. Students and academics benefit from the intellectual stimulation and resources available in the city, enhancing the overall quality of life for residents.
Con: Traffic congestion
Like many urban areas, Worcester experiences traffic congestion during peak hours, which can lead to longer commute times and frustration for residents. Navigating the city’s roadways and highways may require strategic planning to avoid delays and congestion, especially during rush hours.
Pro: Diverse neighborhoods
Worcester’s neighborhoods offer a diverse range of living experiences, from historic districts with charming architecture to modern developments with urban amenities. Each neighborhood has its own unique character and community spirit, providing residents with options to find the perfect fit for their lifestyle and preferences.
Con: Harsh winters
Worcester experiences harsh winters with heavy snowfall and cold temperatures, which can be challenging for residents. Snow removal and winter maintenance are essential considerations for those living in the city, as the weather conditions can impact daily routines and transportation.
Pro: Convenient transportation options
Worcester’s public transportation system, including buses and commuter rail services, provides convenient options for getting around the city and accessing neighboring areas. Additionally, the city’s central location in Massachusetts allows for easy travel to other major cities in the region, making it a strategic hub for commuters and travelers.
Con: Limited job opportunities
While Worcester offers a range of amenities, the job market may be more limited compared to larger metropolitan areas. Finding employment opportunities in specific industries or career fields may require residents to explore options in neighboring cities or consider remote work arrangements.
Pro: Access to nature
Despite being an urban center, Worcester provides easy access to nature and outdoor activities. Residents can explore the scenic trails at Green Hill Park, enjoy picnics at Elm Park, or take a leisurely stroll along the shores of Lake Quinsigamond. The city’s proximity to natural landscapes allows for a balanced lifestyle, with opportunities for relaxation and recreation.
Con: Noise pollution
As a bustling city, Worcester experiences noise pollution from various sources, including traffic, construction, and urban activities. Residents living in densely populated areas or near commercial districts may encounter higher levels of noise, impacting their daily living environment and overall peace of mind.