**The Good, The Bad and The Ugly**

Oahu is home to Honolulu (and Waikiki Beach.) When you live on an island you run into the same people over and over, it makes island life a bit more gentle. Although there is traffic, honking car horns is not really a thing. The island has two seasons – summer or the dry season, (May to October) and winter, which is the rainy season (November to April). Temperatures are warm year-round with gentle trade winds. 85° in the summer and 75° in the winter is about what you can expect year round. Nights are not much cooler.


**The Best Thing About Honolulu?** 

Being able to combine the benefits of city living with a beachy year-round lifestyle is a rare find.

Aggressive Type-As aren’t a great fit for laid-back, easygoing Honolulu, where everything happens at a slower pace. People walk slower. Drivers let other cars merge. Speaking of slower, traffic in Honolulu is, officially, second only to Los Angeles. Honolulu has a limited number of roads but an endless number of cars and yours will need to be shipped over. Also, living near the water means you’re going to be in traffic going to work. 

Hawaii often finds itself at the top of various healthiest states in America lists. It’s not surprising given the beautiful weather, easy access to the ocean, and many hiking trails around the islands. People of Hawaii truly love spending time outdoors and although they do have real lives, they manage to sneak in a pre or post work surf or the like. Ocean water temperatures around the state of Hawaii average 82° in the summer and 77° in the winter. That’s a lot warmer than the ocean waters along the US west coast, including Southern California. Plus, clean air may be a good reason to start considering Honolulu as your new home. Your lungs will love you. 
Living in Honolulu, you become accustomed to seeing the ocean everywhere, yet it also never gets old and is a reminder that you’re home is paradise.

**The Worst Thing About Honolulu?** 

Unless you’re coming from a big, expensive city like New York or San Francisco, the cost of living may astound you. Housing, food, and even the cost of shipping – it’s often called the “paradise tax.” It’s incredibly high -- 82% above the national average. 

**How You Living?** 

Honolulu is high-density living but options range from new condos (high HOAs), waterfront homes to luxury estates. Housing for UH students is better searched for out toward Kahala, Diamond Head, and Hawaii Kai. Prices compared to many areas in the continental US, will generally be higher, and that should be no surprise to anyone. Oahu is, after all, an island, and space is limited since demand is high. If you’re going to UH, look on Craigslist for off-the-beaten track, less luxurious rentals. Accessible neighborhoods include Makiki, but also look at Manoa, Kalihi, Diamondhead, and Moili'ili. Waikiki is extra pricey. 
Homes located on any of the ridges, like the popular Hawaii Loa Ridge, are not only centrally located and close to many of the Honolulu amenities, but also have beautiful ocean views. In fact, many of the homes and condos in Honolulu have amazing views. 

**Why You Should Move Here Now?** 

Honolulu - particularly East Honolulu - has the highest livability rating in the state, and is number 29 in the nation. This is due to low crime rates, high graduation rates, lots of local amenities, and a stable housing market. It is also No. 13 on a list of the 30 happiest cities in the United States, according to Gallup’s Healthways Well-Being Index.

Honolulu is a rare place in that appeals to students, millennial families and retirees. And anyone who loves a good Poke Bowl.


Honolulu

The Big Pineapple

**The Best Thing About Lahaina?** 

Whether you’re trying to catch a glimpse of the sunset or attempting to explore the local culture of Maui, Lahaina is the place to be. The town is located right alongside the oceanfront and has easy access to historic Hawaiian sites (including the infamous Banyan tree), Front Street shopping, and great fresh seafood. It’s one of the few places where you can actually be standing on the beach with the sand between your toes and turn around to see colossal mountains behind you. Lahiana has something to offer each family member, and aside from being formally known as Lele, which the locals joke about referring to the “relentless sun,” it's not a bad place to spend the evening (or better yet, your year). 


**The Worst Thing About Lahaina?** 

You can probably guess that living in a popular seaside town in Hawaii isn’t cheap - and you’re right. Most of the locals complain about the rising prices and the expensive cost of purchasing daily necessities.  However, if you’re choosing to relocate to Hawaii, Lahaina is a cheaper option compared to other oceanfront neighborhoods. It can also feel kind of touristy at times, with lots of visors and Nikon cameras attached to tacky floral shirts of those passing by. This should be expected of Hawaii though. You are choosing to live in one of the most popular and talked about vacation spots in the country. 

**How You Living?** 

In an old, historic remodeled house. Most streets are quiet, with either old couples or small families living and commuting to work on foot. There aren’t a ton of ranges in style, as most houses have just been touched up from their original farmhouse or Victorian style structure. Happening neighborhoods include Olowalu, Launiupoko, Napili, and Crater Village. Almost all of these are within walking distance from Front Street dining and shopping. The houses are cute, quaint, and simple. There isn’t a lot of space for expansion, but who needs a backyard when you have the ocean practically at your doorstep.


**Why You Should Move Here Now?** 

C’mon, it’s Maui for god sake. There’s not a lot of disgruntled homeowners living and working  on a beautiful island. With great seafood, exquisite scenery (beach AND Mountain views) and a friendly local culture, Lahaina is a great spot to relax, kick your feet up, and start sipping that Mai Tai. If you’re searching for a (mostly) affordable Hawaiian escape, Lahaina is the right choice.  


Lahaina

Cruel Sun

# About the Program&#x20;

The Hale Kama’āina Mortgage Program (the “Program”) is a mortgage finance program designed to help first-time homebuyers in the State of Hawaii achieve affordable homeownership. The Program offers competitive fixed-rate 30-year mortgages (Mortgage loans) and optional down payment assistance loans (DPA loans) to eligible borrowers. How does the Program work? Interested first-time homebuyers will apply for mortgage loans through a participating lender (Lender). The Lender will accept and review your application to determine if you qualify for the Program. If you qualify for the Program, the Lender will process your loan application and conduct a closing for you to purchase your home. What are the Mortgage loan terms? The Mortgage loan terms include a competitive fixed interest rate for 30 years. The interest rate is based on loan type (government or conventional) and whether the borrower is receiving a DPA loan.

***

## What are the DPA loan terms?&#x20;

Each qualifying borrower will have the option to receive a 4% DPA loan. The DPA loan will be a second mortgage and accrue simple interest at a rate of 1% per year. The DPA loan will not require period payments. The DPA loan will be due in full upon Mortgage loan maturity, sale, refinance, or other qualifying event of the home. The DPA loan interest may be forgiven at HHFDC’s discretion if the borrower maintains full compliance with the terms of the Mortgage and DPA loans for at least 10 years. Forgiveness is determined at loan maturity or early payoff. The DPA loan principal balance is not forgivable and must be repaid. Who qualifies as a borrower? A borrower qualifies for the Program if all the following eligibility criteria are met:&#x20;

1\. First-time Homebuyer – the qualified borrower, including the spouse, must not have owned or held any interest in a principal residence within the past three (3) years&#x20;
2\. Household Income within limits&#x20;
3\. U.S. Citizen or Resident Alien&#x20;
4\. Bona fide resident of Hawaii&#x20;
5\. At least eighteen years of age&#x20;
6\. Received Recapture Tax Notice&#x20;
7\. Is financing a property that will be the eligible borrower’s principal residence&#x20;
8\. Successfully completed a homeownership counseling program through a housing counseling agency approved by the United States Department of Housing and Urban Development&#x20;
9\. Does not own in fee simple or leasehold, any other residential property within the State (DPA only)&#x20;
10\. Has not previously received a DPA loan through HHFDC’s previous DPA program under repealed Chapter 15-169 entitled Downpayment Loan Program (DPA only)&#x20;

**Important**: Exceptions to the first-time homebuyer requirement may be granted for Veterans and/or purchases in targeted areas. Targeted areas are economically disadvantaged areas for which household income and purchase price limits may be higher to increase borrower access. Consult a Lender for more information

***

### **What type of property may be purchased?**&#x20;

Properties that can be purchased through the Program include new or existing single-family residences, townhomes, PUD’s and condominiums. The property must be located within the State of Hawaii, be within the Program purchase price limits and have a remaining useful life of at least 30 years. The qualified borrower must intend to occupy the property within 60 days of loan closing and maintain the property as their primary residence for the duration of the mortgage loan.

***

### What about leasehold residences?&#x20;

For leasehold properties, the remaining term of the lease must be at least 35 years and the lease rent must be fixed for no less than 10 years from the date of the Mortgage Loan (see your Lender for details). Are there other restrictions?&#x20;

1\. You must be an owner-occupant for the duration of the Mortgage loan or until the loan is paid in full. This provision is strictly enforced, and violation may cause the entire loan balance to become immediately due. HHFDC may grant a waiver of the owner-occupant requirement for a period not to exceed three years based on hardship, including but not limited to unforeseeable job or military transfer, serious illness of the qualified borrower, or any other hardship circumstance that HHFDC may determine on a case-by-case basis at its sole discretion.&#x20;
2\. Hale Kamaʻāina Mortgage Loans must be secured by the property to be purchased through first and second lien position as applicable for Mortgage loans and DPA loans, respectively.&#x20;
3\. Hale Kamaʻāina Mortgage Loans cannot be used to:&#x20;

* a. refinance existing mortgages&#x20;
* b. convert agreements of sale&#x20;
* c. purchase fee simple title to leasehold properties&#x20;

Are there any restrictions on selling a home that is financed with a Hale Kamaʻāina Mortgage Loan? Your mortgage loan will be financed with tax-exempt bond proceeds, which allows you to benefit from a lower interest rate than is customarily charged on other mortgage loans. Should you sell or otherwise dispose of your home within nine years of purchase, this benefit may be “recaptured”.&#x20;

A recapture may occur if your household income increases above program limits, and by at least 5% each year for the first nine years, and you sell your home for a gain within the nine years of purchase.&#x20;

Consult with a tax advisor for guidance. Qualified borrowers will receive recapture notices at loan pre-closing and loan closing.

[Learn more about program:](https://dbedt.hawaii.gov/hhfdc/hk-mortgage-program/)

***

## Explore Communities Across Hawaii

You've learned about the program. Now explore communities across Hawaii to find the place that best fits your lifestyle, priorities, and goals.

**On the Hawaii page, you'll find:**

* LookyLOO Reviews of Hawaii Cities
* Neighborhood Guides
* Local Reviews
* Schools
* Lifestyle
* Save Hawaiian Cities to Your Movebook

[**Explore Hawaii →**](https://lookyloomove.com/states/hawaii)

Hawaii Homeowner Incentive Programs

Hawaii

California

Michigan

Iowa

New Jersey

New York

Maine

Alaska

Arizona

Minnesota

Colorado’s appeal is multilayered. Of course, there are the Rockies—snow-capped peaks, ski resorts, and Instagrammable vistas—but beyond the obvious, the state reveals itself in its micro-regions and quirks.

Denver has grown into a full-fledged metro, attracting industries from aerospace to fintech. Neighborhoods like RiNo and Cap Hill pulse with murals, independent bookstores, and some of the best third-wave coffee west of the Mississippi. Yet, 20 minutes outside the city, you’ll find Golden, a once-sleepy brewery town now thriving with young families, hikers, and mountain bikers—all while still housing Coors’ giant facility.

Boulder, perched between rugged wilderness and intellectual ambition, is equal parts Patagonia fleece and startup pitch decks. It’s home to Naropa University (the country’s only accredited Buddhist-inspired school) and the National Center for Atmospheric Research, reflecting the state’s unique mix of spiritual curiosity and scientific rigor.

To the north, Fort Collins flies a little under the radar but boasts Colorado State University, a jumping historic downtown, and enough breweries to rival cities twice its size. Meanwhile, Colorado Springs feels like a different state altogether—home to multiple military installations, it leans more conservative but surprises visitors with epic natural landmarks like Garden of the Gods and the quirky artist enclave Manitou Springs, where mineral springs bubble out of old-timey fountains.

Then there are the mountain towns that get less attention than Aspen or Vail:

- Salida: An artsy river town known for whitewater festivals and a historic downtown dotted with galleries.
- Paonia: Tucked on the Western Slope, it’s where organic farmers, artists, and winemakers coexist—a quieter, greener slice of Colorado.
- Crested Butte: A former mining town turned "wildflower capital of Colorado," still fiercely local despite its world-class skiing.
- Leadville: The highest-elevation incorporated city in the U.S., with Wild West vibes, antique shops, and a reputation for producing ultra-endurance athletes.

- Even Pueblo, long dismissed as a steel town, is experiencing a mini-renaissance—check out its green chile scene, which locals claim beats New Mexico’s any day.


**Lifestyle**

Colorado is all about the blend: high-intensity outdoor pursuits and laid-back social life. People measure days by powder totals or trail mileage, but they’re equally serious about craft beer, local music, and farm-to-table brunch.

There’s a statewide obsession with gear—ski racks are practically standard issue—and the unspoken dress code skews toward Patagonia puffer jackets, trail runners, and trucker hats. Even at upscale restaurants, you’ll find Gore-Tex mingling with linen.
Summer weekends revolve around farmers' markets, mountain festivals (like Telluride Bluegrass), and patio culture, where people sip IPAs while their dogs lounge nearby. Yes, 
Colorado is one of the most dog-friendly states in the country—don’t be surprised to see pups on brewery patios, hiking trails, and even paddleboards.

The weed industry is fully mainstream here—legal since 2012, dispensaries now sit next to yoga studios, and CBD drinks are common on menus. Despite the outdoor glamour, winters can drag, especially along the Front Range, where weeks of “brown season” (dry, gray winter days) test your patience if you’re not skiing every weekend.


**Who’s Moving to Colorado?**

- Outdoor Diehards: Skiers, mountain bikers, climbers, and trail runners all build their lives around nature’s calendar.

- Remote Workers: Many are now settling in places like Buena Vista, Pagosa Springs, or Ouray for mountain views and coworking spaces that offer reliable fiber internet.

- Young Professionals: Cities like Denver, Boulder, and Fort Collins attract college graduates seeking startup jobs in tech and a social scene that is outdoorsy and active.

- Families: Suburban areas such as Louisville, Superior, and Castle Rock provide excellent schools, greenbelts, and proximity to both the city and the mountains.

- Military & Veterans: Particularly in Colorado Springs, where military bases and VA services have a significant presence.

- Artists, Creatives, and Off-Gridders: These individuals are moving to smaller towns like Paonia, Crestone (known for its spiritual retreats), and Trinidad, where former mining towns are being transformed into vibrant art communities.

**Worklife** 

**Major Industries:**

- Aerospace & Defense: Lockheed Martin, Raytheon, and dozens of military installations fuel this sector.

- Tech & Startups: Boulder leads, but Denver is fast catching up with expansions from Google, Amazon, and a strong venture capital scene.

- Healthcare & Life Sciences: Anchored by the Anschutz Medical Campus in Aurora and countless health-tech startups.

- Outdoor Rec & Tourism: A massive industry—from ski resorts to bike gear startups like Yeti Cycles.

- Renewable Energy & Green Tech: Solar farms, wind energy, and electric vehicle infrastructure are booming, especially east of Denver.

- Craft Beer & Cannabis: Both industries are major employers and cultural forces. Denver’s Great American Beer Festival draws thousands annually.

The work culture here is serious about productivity but just as serious about play. Flex hours are common—so is the “Friday early out” to chase powder or head to the hills. People here don’t brag about work hours—they brag about the number of 14ers climbed.

**Why Move Here Now?**

Colorado’s mix of economic opportunity and lifestyle remains hard to beat, but the secret’s long been out. Housing costs—especially in Denver, Boulder, and mountain towns—are steep. Still, the “live where you vacation” dream is possible, especially if you’re strategic about location.

Remote work has made previously overlooked places—think Montrose, Rifle, or Florence—more appealing. These towns offer affordability, mountain access, and emerging arts scenes without the crowds or costs of Summit County.
Meanwhile, climate-conscious infrastructure investments and Colorado’s renewable energy push are attracting a new wave of green tech talent. If you’re looking for a place where your weekends feel like a vacation, your weekdays pay the bills, and your backyard is the view—Colorado still delivers.

Just be ready for the quirks: expect your weather app to lie, brace for spring hailstorms, and know that people here take their green chile—and their Broncos—very seriously.

Colorado

Florida

Georgia

Illinois

Indiana

Kansas

Kentucky

Louisiana

Virginia offers a little bit of everything—beaches, busy cities, historic towns, mountain views, and adventures for the outdoorsy types.  Families can find charming colonial neighborhoods to settle in or a tech-driven suburb, and young professionals (or families) will find cities known for culture and lifestyle (tons of breweries) —and none of it feels out of place.

Northern Virginia cities like Arlington, Alexandria, and Fairfax get a lot of attention for their young professional scene, government jobs (shaky right now but still), and shiny high-rises. But head west, and things shift—Charlottesville, Richmond, and Roanoke are growing fast, thanks to lower housing costs, beautiful scenery, and thriving food and arts communities.
And yes, Virginia’s got beaches. Virginia Beach and Norfolk offer a relaxed coastal lifestyle while still keeping you within driving distance of larger cities.
Lifestyle 

Virginia balances history and modern life better than most. There are amazing historic landmarks and battlefield tours, but it’s also a growing tech hub, home to a solid craft beer scene, and packed with outdoor activities—from hiking in the Shenandoah Mountains to kayaking in the Chesapeake Bay.

Public schools, especially in Northern Virginia, are notably strong, with Thomas Jefferson High School (TJ)  in Alexandria frequently rated the #1 public high school in the country. You get four distinct seasons, plenty of small-town festivals, and easy access to both mountains and beaches. Outdoor lovers will feel right at home.


**Who’s Moving to Virginia?**

- Families: Especially to Northern Virginia and Richmond suburbs for the schools, safety, and space.

- Young professionals: Drawn to government (prepare for this to change), tech, and consulting jobs in DC-adjacent areas like Arlington and Alexandria.

- Retirees and second-home buyers: Looking for less expensive mountain views or coastal living.

- Military families: With large bases in Norfolk, Virginia Beach, and Quantico.


**Worklife**

Virginia has a strong job market with several major industries driving growth:

- Government and defense: Big in Northern Virginia and Hampton Roads although federal jobs are disappearing. 

- Tech and data centers: Amazon HQ2 in Arlington and Loudoun County’s “Data Center Alley”

- Healthcare and education: UVA, VCU, and major hospital networks

- Tourism, shipping, and military: Especially along the coast

The state consistently ranks as one of the best for business. Salaries are strong, especially near DC, though the cost of living is higher there too. Farther south or west, your money goes a lot further.


**Why Move Here Now?**

Virginia is hitting a good stride—a strong economy, a cultural boost in mid-sized cities, and more opportunities popping up beyond the DC suburbs. If you want East Coast energy without New York or Boston prices, Virginia’s a great option.
There’s a lot to like: solid job prospects, a wide range of places to live, and easy access to nature. Remote workers are starting to notice cities like Charlottesville and Richmond for their charm and affordability. And if you’re in tech, Amazon’s expansion means even more jobs on the horizon.

Bottom Line: Move for the jobs, stay for the mountain views, farmers markets, and the fact that you can hike on Saturday and hit the beach on Sunday. Virginia’s got space for you


Virginia

Massachusetts

Mississippi

Missouri

Montana

Nebraska

Nevada

New Mexico

North Carolina is one of the fastest-growing states in the country, driven by a combination of economic opportunity, natural beauty, and a more reasonable cost of living than many large metro areas on the East Coast. For people looking to bail on expensive cities like New York, Boston, or D.C., North Carolina’s growing mid-sized cities hit a sweet spot—offering urban energy without the overwhelming cost or scale.

Charlotte and Raleigh remain the fastest-growing hubs, but what’s fueling the state’s appeal are cities like Durham, Winston-Salem, Greensboro, and Asheville. These places have seen significant investment in arts, culture, and local businesses, creating vibrant downtowns and neighborhoods while maintaining accessibility and affordability. Wilmington, with its historic riverfront and proximity to beaches, adds a coastal option with similar momentum.

North Carolina offers a blend of lifestyles—from dense city cores to suburban communities and small mountain or coastal towns—all within a state that delivers four distinct seasons and easy access to both the Atlantic and the Appalachians.

**Lifestyle** 

Living in North Carolina means having access to almost every kind of landscape and lifestyle you can imagine. The mountains of western North Carolina, including the Blue Ridge and Smokies, draw hikers, climbers, and people looking for small-town life with incredible scenery. Asheville anchors the region with a nationally recognized food scene, music venues, craft breweries, and a progressive arts community—all surrounded by nature.
Along the coast, places like Wilmington, New Bern, and the Outer Banks offer a completely different pace of life—historic charm, beach towns, and maritime culture.

In between, North Carolina’s mid-sized cities have grown into dynamic cultural hubs. Durham, once defined by tobacco warehouses, is now a food, music, and startup center, balancing grit and growth. Greensboro and Winston-Salem have embraced their history while building arts districts, indie music venues, and foodie scenes that attract newcomers looking for quality of life without the price tag of bigger cities.
Outdoor recreation is baked into the lifestyle—weekends are often spent hiking, kayaking, hitting the coast, or exploring dozens of state parks. Meanwhile, urban centers keep adding restaurants, music festivals, museums, and farmers markets that make daily life feel rich and varied.

Housing costs have risen, particularly in Charlotte, Raleigh, and Asheville, but remain notably more reasonable compared to cities like D.C., New York, or Boston. Mid-sized cities and suburbs still offer affordable homeownership options, which continues to draw families, young professionals, and retirees.


**Who’s Moving to North Carolina?**

Young professionals and remote workers: The combination of job opportunities and lifestyle has put places like Raleigh, Durham, and Charlotte on the map. Increasingly, mid-sized cities like Winston-Salem, Greensboro, and Asheville are drawing remote workers who want cultural amenities without the high price tag.

- Families: Good schools, growing suburbs, and attainable home prices make North Carolina a top choice for families leaving higher-cost states. Suburban areas around Raleigh and Charlotte, like Cary or Huntersville, are growing fast.

- Retirees: North Carolina is a retirement destination—particularly western towns like Asheville, Hendersonville, and Boone, or coastal towns like New Bern and Southport, where people are drawn to the mild climate and slower pace of life.

- Tech, biotech, and finance workers: Raleigh-Durham’s Research Triangle remains a major driver of growth, along with Charlotte’s powerhouse banking sector. Mid-sized cities are seeing a ripple effect as people seek affordability near these job centers.


**Worklife** 

North Carolina’s economy is diverse, which has helped it stay resilient and attractive to new residents:

- Tech, biotech, and healthcare: The Research Triangle (Raleigh, Durham, Chapel Hill) is home to major universities, research parks, and a growing number of startups and tech companies. This area competes nationally for talent.

- Finance and banking: Charlotte is the second-largest banking center in the U.S., home to Bank of America and major offices for Wells Fargo, Truist, and others.

- Education: With strong public universities and private colleges, education remains a huge employer, feeding into the region’s research and innovation economy.

- Tourism, arts, and service industries: The mountains and coast pull in millions of visitors each year, supporting a growing tourism economy that fuels restaurants, shops, and creative industries in cities and small towns alike.

- Remote work is also changing the landscape, as people relocate from expensive markets to cities like Asheville or Wilmington, seeking a better work-life balance without sacrificing culture or community.


**Why Move Here Now?**

North Carolina is in that rare window of growth where the state feels exciting but still livable. While housing costs are rising, they remain manageable compared to the Northeast or West Coast. Newcomers are often surprised at how much house—or quality of life—they can afford here.

The job market is strong, especially in tech, biotech, finance, and education, and there’s momentum in the arts, food, and cultural scenes, particularly in mid-sized cities that still feel accessible.

If you’re looking for a place that offers career opportunities, space to explore, and a more affordable cost of living—all without sacrificing culture—North Carolina’s cities, especially its rising mid-sized ones, are worth a serious look.


North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Puerto Rico

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Maryland might be one of the smallest states by land area, but it feels expansive in the variety of places, landscapes, and cultures you’ll find here. Locals sometimes call it “America in Miniature”—and it fits. Within a few hours, you can go from the crab houses and maritime history of the Eastern Shore to the rolling farmland and horse country of Howard and Carroll counties, then up into the Appalachian foothills in Western Maryland.

Baltimore—gritty, beautiful, and still deeply local—anchors the state with its historic brick row houses, growing arts scene, and a complicated but evolving identity. It’s a city of neighborhoods, from the cobblestone streets of Fells Point to the indie shops and music venues in Hampden. Johns Hopkins and the University of Maryland draw researchers, students, and healthcare workers, while the Port of Baltimore keeps the city tied to global trade.

The DC suburbs—places like Bethesda, Silver Spring, Rockville, and College Park—are among the most diverse in the country. They’re fast-paced, career-driven, and home to major employers in tech, healthcare, defense, and international policy. Montgomery County consistently ranks high for public school systems, while Prince George’s County—once overlooked—is booming with development and homeownership among Black professionals.

Then there’s the Chesapeake Bay—arguably Maryland’s emotional center. Fishing villages, waterfront towns, and a deep-rooted culture of crabbing and boating shape life here. In places like St. Michaels or Solomons, watermen traditions meet weekenders from DC.


**Lifestyle** 

Maryland is a state of contrasts:

- Outdoors: Summers bring locals out for blue crab feasts, sailing regattas, and Eastern Shore beaches like Ocean City or Assateague Island, where wild ponies roam. Hikers find solace in the Catoctin Mountains or the Maryland stretch of the Appalachian Trail. In the fall, leaf-peeping in western Maryland rivals New England.

- Suburban Professional: Many Marylanders are commuters, with highways like I-270 and the Capital Beltway packed every weekday. Work-life here often revolves around careers in government contracting, federal agencies, or research labs.

- Cultural: Baltimore punches above its weight in music, art, and food. It's home to quirky traditions like the annual HonFest, while the nearby suburbs offer concert venues, museums, and some of the country's best public libraries.

- Education-Focused: With several nationally ranked school districts, plus colleges like UMD College Park, Loyola, and St. John’s in Annapolis, education drives many families’ choices.

The cost of living is high in the DC metro area—Montgomery County and Howard County are expensive but offer great schools and amenities. Meanwhile, Baltimore City and parts of the Eastern Shore remain relatively affordable, though income disparities can be stark.


**Who’s Moving to Maryland?**

- Government and Defense Professionals: With NSA, NIH, and countless government contractors, Maryland is a hub for federal careers.

- Healthcare and Biotech Workers: The state’s economy is built around giants like Johns Hopkins, the University of Maryland Medical System, and a growing biotech corridor around Gaithersburg and Rockville.

- Families: Strong school systems, safe suburbs, and access to both urban and rural life make it a prime target for families.

- Nature and Water Lovers: The Bay, mountains, and access to the Atlantic draw people who don’t want to choose between city life and nature.


**Worklife**

Maryland boasts some of the highest median incomes in the country, but it comes with a cost. Key industries include:

- Government, Defense, and Cybersecurity (Fort Meade, NSA, countless Beltway contractors)

- Healthcare and Life Sciences (Johns Hopkins, NIH, biotech firms in the I-270 corridor)

- Port and Shipping (Baltimore’s port is one of the busiest on the East Coast)

- Education (Universities, research centers, and public school systems)

Maryland’s job market tends to be resilient especially near D.C.—especially in recession-proof industries like healthcare, science, and in prior administrations, federal government work. High wages can offset higher living costs, particularly in areas like Montgomery County.


**Why Move Here Now?**

Baltimore is changing -- neighborhood revitalization, a growing arts scene, and affordable historic homes make it a city to invest in. The DMV’s tech and biotech boom means Maryland’s share of the tech and life sciences boom is growing fast, especially in Montgomery County and the suburbs along I-270.

Waterfront and small-town charm aplenty, with coastal towns offering an escape that feels worlds away from DC but still within reach for weekends or remote work. Finally, access without total commitment: Maryland lets you plug into DC’s energy, Baltimore’s grit, or nature’s calm—all without fully committing to just one lifestyle.


Maryland

Washington is not what most people around the country think if their view is based solely on the Emerald City. You’ve got Seattle, yes — the tech hub with glassy towers, expensive lattes, and endless cranes reshaping the skyline. But Washington’s story is bigger and weirder than that.

Head east and you hit the Cascades, where towns like Leavenworth lean hard into their Bavarian cosplay — full-on Alpine architecture and Christmas markets, even in summer. Cross those mountains and the state turns dry, golden, and wide open — apple orchards, hops fields, and wine country roll through the Yakima Valley and Walla Walla. It’s a different state over there, one that cares more about rodeos and crop yields than whatever Seattle’s latest zoning fight is about.

There’s also the pocket-sized, artsy cities people don’t talk about enough — Bellingham, tucked up near the Canadian border with its crunchy, outdoorsy vibe and a local ski hill just 30 minutes up the road; Olympia, the capital, where the punk music scene still has a pulse and the farmers market is the real social center; and Port Townsend, a Victorian seaport town known for wooden boat festivals and a whole lot of ghost stories.

What keeps people here is the geography — Puget Sound, the Olympics, Mount Rainier looming massive. There’s a certain stubborn pride about how many people own a kayak and know how to dig their clams. You don’t have to go far to find someone who will try to convince you their corner of Washington is the best — whether that’s a foggy coastal town, a moss-draped mountain pass, or a sunny plateau east of the mountains. And honestly, they’re all kind of right.



**Lifestyle** 

Living here means you learn to live with the weather — or love it. Western Washington’s gray season lasts months, but the long, golden summer days make up for it. The east side flips the script — hot, dry summers and winters that mean snow.

People are big on the outdoors, but not in a performative way. It's less Instagram hiking and more “this is just what we do.” Mountain biking in the Cascades, skiing at Stevens Pass, trail running in the Issaquah Alps, or mushroom hunting when the rains come — the connection to nature runs deep.

Sustainability isn’t a buzzword here — it’s baked in. You’ll see people line up to return compost buckets at the farmers market or debate which salmon run needs protecting. There’s a hyper-local food scene, from oyster farms like Hama Hama to foraged nettles making their way into restaurant menus.

Housing is a mixed bag. Seattle and the Eastside (Bellevue, Redmond, Kirkland) are expensive, with median home prices well above $900k. But smaller cities like Spokane or the Tri-Cities offer more space and sunshine without completely unplugging you from the economy.



**Who’s Moving to Colorado?**

- Tech folks chasing jobs at Amazon, Microsoft, and the sprawl of startups. The Eastside suburbs — Bellevue, Kirkland, Sammamish — are full of transplants figuring out the PNW way.

- Families looking for good schools, parks, and the rare suburban neighborhood where you can still walk to a coffee shop (Issaquah and North Bend, looking at you).

- Outdoor types — climbers, paddlers, skiers — folks who want a job and mountains in their backyard. Bellingham and Wenatchee both punch above their weight for this crowd.

- Healthcare and education workers — UW, WSU, major hospital systems, and growing biotech hubs keep the state anchored beyond tech.

- And increasingly, people just looking for a lifestyle shift — artists, remote workers, folks burned out on California or Texas sprawl — are finding their way here.



**Worklife**

The job market stays solid, especially if you’re in:

- Tech: Seattle’s core, Bellevue’s new skyscrapers, and a growing remote scene

- Aerospace: Boeing’s still big, even if quieter than it once was

- Healthcare: especially in Seattle and Spokane

- Agriculture: apples, cherries, hops, and wine rule Eastern Washington

- Shipping and trade: major ports in Seattle and Tacoma keep global goods moving

The interesting thing is how the economy balances — world-class tech and scrappy farming towns coexist, sometimes uneasily, but it works.



**Why Move Here Now?**

Washington’s still growing, but in ways that give you choices. Yes, Seattle’s pricey, but places like Spokane, Bellingham, and even Bremerton are growing fast without feeling like polished suburbs yet. The access to nature is unbeatable, but what might surprise people is how distinct each region feels.
You could live where you’re skiing before work, or where you’re sipping wine on your porch at sunset. You could be downtown for an Amazon meeting or out in the San Juans watching orcas. Washington has range — that’s the real sell.


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