Buying your first home can feel like a huge leap. With rising home prices, a competitive housing market, and the weight of all those extra costs, it’s easy to feel overwhelmed. 

of prospective homeowners say that the high cost of living is preventing them from saving for a down payment. But don’t worry! There’s a wealth of first-time home buyer Incentives designed to help make homeownership more accessible, easing the financial burden along the way. Whether you’re looking for help with your down payment, securing a better mortgage rate, or reducing your tax liabilities, there are programs tailored to first-time buyers like you.

In this comprehensive guide, we’ll break down everything you need to know about first-time homebuyer incentives—how they work, who qualifies and how to make the most of these opportunities. If you’ve been dreaming of homeownership, these programs might just be the key to making that dream a reality.

First-time homebuyer incentives are programs designed to assist individuals who have never owned a home. These incentives come in many forms, including:

For many first-time buyers, saving enough for the down payment is the biggest hurdle. Traditional mortgage lenders often require a 20% down payment, but down payment assistance programs can significantly reduce this burden.

Even if you think you’ve saved enough for a down payment, it's worth checking if you qualify for down payment assistance. These programs can reduce the amount of cash you need upfront and help you keep more money in your pocket.

 are another powerful incentive for first-time homebuyers. One of the most common programs is the Mortgage Credit Certificate (MCC), which allows you to claim a portion of your mortgage interest as a tax credit.

This can reduce your annual tax bill, freeing up more money to put toward your mortgage payments or saving for the future. Tax credits 

, so be sure to check what’s available in your area.

Low-Interest Loans and Specialized Mortgages

Many first-time homebuyers can take advantage of mortgage programs that offer lower interest rates, reduced down payment requirements, or more lenient credit score guidelines. These programs are specifically designed to make it easier for new buyers to enter the market and include:

 Insured by the Federal Housing Administration, these loans offer down payments as low as 3.5% and more flexible credit score requirements.

 Available for military service members, veterans and their families - these loans offer no down payment and competitive interest rates.

 If you’re purchasing a house in a rural area and meet certain income criteria, a USDA loan offers 100% financing and very low interest rates.

 These loans allow for a down payment as low as 3%, which can help you avoid private mortgage insurance (PMI).

Grants are essentially free money that can be used for various expenses related to purchasing a home, such as down payments or closing costs. While grants are less common than loans or tax credits, they do exist and are often tied to specific geographic areas or have income limits.

Some grant programs are offered by non-profit organizations, while others are administered at the state or local level.

How to Find First-Time Home Buyer Programs

Navigating the sea of first-time homebuyer programs can be a bit tricky but there are ways to streamline your search. Here are a few tips for finding the right incentives for your situation:

A good real estate agent who specializes in working with first-time homebuyers can help you understand the various incentives available in your area. They’re often familiar with local and state programs and can guide you through the application process.

State and local housing authorities are excellent resources for finding down payment assistance and other homebuyer incentives. They can provide details on eligibility, available programs and application deadlines.

Websites like the U.S. Department of Housing and Urban Development (HUD) and the 

 (FHA) offer comprehensive information about federal programs. Many states also have dedicated pages outlining available programs and their requirements.

Mortgage lenders often work with first-time homebuyers and can offer guidance on loan options and assistance programs that might be available to you.

Tips for Maximizing First-Time Home Buyer Incentives

To make the most of the available programs, keep these tips in mind:

The earlier you start your research and application process, the better. Some programs have limited funds and tight deadlines, so you want to make sure you give yourself enough time to complete the necessary paperwork.

The better your credit score, the more favorable loan terms you’ll be able to access. While many programs have more flexible credit requirements, improving your credit score can help you qualify for better interest rates.

Don’t settle for the first mortgage rate you come across. Compare rates from different lenders and ask about special offers or programs for first-time buyers. You might be surprised at the savings you could find.

Each program has different criteria, so make sure you read the fine print. Some programs are only available to buyers with specific income levels or in particular locations.

It’s a good idea to talk to a financial advisor or tax professional to understand how these incentives might impact your taxes or finances in the long term.

Examples of First-Time Home Buyer Programs

Offers below-market, 30-year fixed mortgage interest rates and DPA. Must work with approved lenders and meet standards for creditworthiness.

Must complete a homebuyer education course to receive DPA.

DPA for first-time homebuyers. Must attend an 8-hour homebuyer education class.

Down payment and closing cost assistance. Must obtain an "ADFA StartSmart" or "ADFA Move-Up" first mortgage.

MyHome offers a deferred-payment junior loan of an amount up to 3.5% of the purchase price or appraised value to assist with down payment and/or closing costs. Must be a first-time homebuyer and complete homebuyer education counseling.

Closing cost and down payment assistance toward the purchase of a primary home in one of 14,000 minority communities in designated census tracts. The grant is available for those with DreaMaker, Standard Agency, Federal Housing Administration (FHA), and Veterans Affairs (VA) mortgages and can also be used to purchase points from a lender to reduce your interest rate.

DPA for first-time homebuyers. Aimed at supporting low-to-moderate-income homebuyers to purchase a single-family home, condominium, or one-half a duplex in the City of Madison.

Credit that can be applied towards closing costs. You must purchase a primary residence in specific areas of certain cities and meet other eligibility requirements.

Offers down payment assistance grants and second mortgage loans to those who are going through their first mortgage loan program. A credit score of 620 or higher and must take a homebuyer education course.

Community Development Corporation of Utah

DPA for first-time homebuyers, a home purchase value limit of $492,000 is required.

Discover the best first-time home buyer programs to make your path to homeownership easier. From down payment assistance to tax credits and low-interest loans, explore incentives designed to ease financial burdens and help you achieve your dream of owning a home. Learn about eligibility, benefits, and tips to maximize these opportunities in our comprehensive guide.

First-Time Home Buyer Programs: Your Path to Homeownership

The American Dream has long been associated with sprawling suburbs and bustling cityscapes. But in recent years, a quiet countermovement has been gaining momentum. People are rediscovering the 

, drawn by its affordability, tight-knit communities and a slower pace of life.

While the economic landscape of the U.S. has shifted, many smaller towns are experiencing a renaissance. These are places where you can make a difference, whether by joining town traditions or shaping the future alongside passionate locals. Here, the quiet beauty and genuine warmth make it more than just a town—it’s home. Let's delve into the unique offerings of three such communities where remote workers may feel like they just stepped into the setting of a Hallmark Movie.

Clinton County, Indiana – Where Past Meets Present

Located in Central Indiana, Clinton County is a community where creativity flourishes as naturally as the flowers in TPA Park. Frankfort's county seat has rich history that comes alive through its magnificent architecture, from the elegant Old Stoney to the grand Clinton County Courthouse, each building telling a story of dreams built on Hoosier determination.

Clinton County offers a lower cost of living compared to larger metropolitan areas. The median home price is 

 making it an attractive option for homebuyers. Additionally, the town boasts a strong educational community including Community Schools of Frankfort, Clinton Central School Corporation and The Crossing Frankfort campus is a major draw for families seeking a nurturing environment for their children.

Mayfield/Graves County, Kentucky - Southern Hospitality with a Modern Twist

Mayfield/Graves County, Kentucky, offers a welcoming embrace for those seeking a taste of Southern hospitality. This region, known for its patchwork quilt of family farms and the enchanting Main Street shops, has a lot to offer. From the Mayfield Oktoberfest, Graves County Farmer's Market and the annual "World's Largest Picnic,” drawing crowds from across the nation, there's always an opportunity to connect with neighbors and celebrate the rich local culture.

Beyond its picturesque landscape, Mayfield/Graves County has a very affordable housing market with a median home value of only 

. For those seeking educational opportunities, Mayfield also boasts a well-regarded community college and Murray State University is just a short drive away.

Neodesha, Kansas – A Small Town with a Big Heart

Tucked away in the heartland of Kansas, where the rolling plains meet the wide-open sky, lies the charming town of Neodesha. The city has been experiencing revitalization recently and is ready to welcome newcomers who seek warm, friendly faces and a chance to reconnect with what truly matters to them.

Families can burn off energy at Crowder Park or Gary Huff Tennis Complex. The Neodesha Public School System includes a new early learning center, and the Neodesha Promise Scholarship Program is available to qualified high school students and the Neodesha Splash Zone allows families to cool off during the summer months.

The affordability of Neodesha is another major draw. Housing costs here are significantly lower than other parts of the country, averaging around only 

, making it an attractive option for first-time homebuyers and those seeking a more cost-conscious lifestyle. 

While all three communities boast affordable housing and overall lower costs of living to larger cities, they also participate in the 

 which offers incentives to remote workers who are willing to relocate there. These incentives vary by community but can include cash for relocation, student loan repayment assistance, family passes to local attractions, lunch with a city government official and free or discounted gym memberships.

Small-Town America - More Than Just Affordability

While affordability plays a significant role in the allure of small towns, the true magic lies in the sense of community. Unlike the anonymity of larger cities, small towns offer a sense of belonging. Neighbors know each other, local businesses are patronized regularly and a spirit of cooperation strengthens the social fabric. The slower pace of life allows residents to connect with nature, pursue hobbies and genuinely appreciate the simple joys in life.

Choosing where to live is a deeply personal decision. Small towns offer a unique blend of affordability and community. If you're seeking a lifestyle change, prioritize connection over anonymity and value affordability, then small-town America might just be the perfect fit for you!

Discover three charming small towns in America - Clinton County (IN), Mayfield (KY), and Neodesha (KS) - where affordable housing, strong communities, and welcoming atmospheres create real-life Hallmark movie settings for remote workers seeking a lifestyle change.

Marion

Mayfield

Graves County

Neodesha

3 Small Towns Where “Hallmark Movies” Come to Life

We often hear from movers that their visit made all the difference in finding their place. With that in mind, we want to make visiting as easy as possible for you. We’ve assembled the following travel discounts, making a visit to the place that piques your interest a little easier.

 on select hotels when you sign in as a member or create an account.

 at more locations with fewer exclusions using code 

 base rates for weekend rentals at select airports. (Hurry, the offer ends 

 on select flights when you sign in as a member or create an account.

Find travel discounts to help make your visit to a community that interests you that much easier. Travel discounts available include lodging, transportation, and other categories.

Visit Discounts Guide

If you’ve consumed any kind of news in the last few years, you’ve likely scrolled across the very clickable headline “These are the states that will pay you to move there” a time or two. More than just a headline, the concept of cities offering incentives for people to relocate is a movement that has gained significant momentum in recent years. According to MakeMyMove, more than 5,000 remote workers have made the jump to new states since 2019. And get this: collectively, they’ve snagged over $50 million in cash and perks.

 think they’d be better off living in a different U.S. city or town, a sign that a majority of the workforce believes they could benefit from a new backdrop. In an answer to meet this “grass is greener” demand, several communities across the United States have implemented innovative programs to attract talented professionals and grow their economies. These "States That Pay You to Move" initiatives offer a variety of incentives and benefits to entice remote workers to relocate, ranging from cash payments to free land.

For individuals seeking to take advantage of these opportunities, whether to maximize their lifestyle (it’s called 

), move closer to family, or simply experience life in a new state - it can feel overwhelming to know where to start. That's where this guide comes in. In the following sections, we'll explore the top states where you can find pay-to-move programs, tips for navigating the relocation process and how remote workers can leverage pay-to-move programs to their advantage.

The reasoning behind states' decisions to implement pay-to-move programs is multifaceted, but it largely boils down to economic development and population growth strategies.

Many state and local governments have recognized the potential economic boom of attracting new residents, particularly young, educated professionals who can contribute to the local workforce and tax base. By offering financial incentives to attract these individuals, both states and communities hope to:

 Some regions, especially rural or Rust Belt areas, have grappled with population loss as residents, particularly younger generations, migrate to urban hubs or coastal states. Pay-to-move programs aim to reverse this trend and replenish the local talent pool.

 An influx of new residents means increased consumer spending, housing demand and overall economic stimulation. States and local communities view pay-to-move programs as investments that can pay dividends in the long run.

3. Foster Innovation and Entrepreneurship -

 Remote workers and young professionals often bring with them the potential for new business ventures, startup formation and the cross-pollination of ideas. States hope to capitalize on this entrepreneurial spirit.

 Certain industries and occupations may face labor shortages in specific regions. Pay-to-move programs can help states attract the skilled workers they need to fill critical roles and support their economic engines.

Ultimately, the goal of these programs is to create a win-win scenario where states can bolster their populations and economic vitality while individuals can enjoy the benefits of relocating to a new, often more affordable and amenity-rich environment. Now let’s explore 15 states that have embraced this strategy, highlighting the incentive amount that each offer to remote workers and digital nomads.

While the concept of states paying people to move there is not entirely new, the trend has gained significant momentum in recent years. Here are some of the most prominent pay-to-move programs currently available across the United States:

The Shoals area, which includes Florence, Muscle Shoals, Sheffield, and Tuscumbia, offers relocation incentives of up to $10,000 for remote workers through 

. The region is known for its music history, with attractions like the Muscle Shoals Sound Studio, as well as its cultural and natural amenities.

From the historic streets of Fort Smith to the musical heritage of West Memphis and the border-town appeal of Texarkana, 

 offer relocation incentives starting at $10,000. Each town brings a distinct character, along with an affordable cost of living (the state is 

 Division pays dividends to eligible residents on an annual basis. The amount varies each year but the average is around $2,000 and residents in 

 can also qualify for 3 months of free internet service.

, there are more than 20 communities offering incentives to remote workers in Indiana. The incentive packages are as varied as the communities but typically offer some around $5,000 and perks to help you get connected to the community.

Illinois communities offer relocation packages ranging from $5,000 to $11,700 for remote workers. 

 are available in locations that provide a mix of affordability, proximity to Chicago, and access to both urban and rural lifestyles.

Iowa combines its low cost of living with 

 to attract remote workers. The state emphasizes affordability (

 most affordable state in the U.S.) and community-focused living in areas where savings can grow quickly for new residents.

Escape the hustle and bustle and embrace small-town charm. Kansas's 

 are offering remote workers up to $11,000 to relocate and experience the warmth of a close-knit community.

 in Kentucky offer relocation incentives around $5,000, often accompanied by additional benefits like local discounts or recreational opportunities. The state is known for its outdoor activities, such as hiking and rock climbing, and cultural attractions, including music and bourbon trails.

, such as the 100 Homes Initiative in Jackson, which provides up to $25,000 in down-payment assistance. The state also features other programs aimed at attracting remote workers to both urban and rural areas.

 in Bemidji, Minnesota, is the city’s relocation program for remote workers. Known for its lakes and proximity to outdoor activities, Bemidji provides a quieter lifestyle with access to community amenities and recreational opportunities.

 alongside affordable housing and access to quality schools. The community emphasizes family-friendly living with parks, events, and a slower pace of life.

Farmington, New Mexico, located near the northwest corner of the state, provides 

 to remote workers who relocate. The community highlights its cultural attractions, including museums and theaters, as well as its proximity to outdoor activities.

Tulsa offers relocation incentives of up to $10,000 for remote workers through 

. The city combines a growing urban center with a lower cost of living, featuring amenities like vibrant arts districts, a diverse food scene, and extensive outdoor spaces, including the renowned Gathering Place park.

 program offers remote workers financial incentives to relocate, including $12,000 and additional benefits like free coworking space and outdoor recreation opportunities. Designed to attract those who value a connection to nature, the program highlights the state’s abundant hiking, biking, and kayaking options.

For remote workers considering a move to a state with a pay-to-move program, the process of navigating the various requirements and application procedures can be daunting. However, by following a few key steps, individuals can increase their chances of successfully leveraging these financial incentives:

 Thoroughly research the different state pay-to-move programs available, comparing the eligibility criteria, incentive amounts and any additional requirements or restrictions. Assess how well each program aligns with your personal and professional goals, as well as your financial situation.

 Carefully review the application requirements for your program of choice and gather all necessary documentation, such as proof of employment, relocation expenses and residency status. Many programs have specific deadlines, so be mindful of submission timelines.

 - Create a comprehensive relocation plan that addresses logistics such as housing, transportation and integrating into the local community. Consider factors like cost of living, job opportunities, and quality of life when selecting your new destination.

 Take advantage of the support and resources offered by organizations like MakeMyMove, which can provide guidance, connect you with local contacts and assist with the various aspects of your relocation.

 Once you've relocated, be sure to fulfill any residency or employment obligations stipulated by the program to ensure you receive the full benefits.

Discover 14 states offering cash incentives for remote workers to relocate, with payouts ranging from $2,000 to $25,000. Learn how to leverage geoarbitrage and explore unique community benefits across the United States.

Florence

Fort Smith

West Memphis

Texarkana

Ketchikan

South Bend

Evansville

Jacksonville

Pocahontas County

Russell County

Frankfort

Ruston

Jackson

Bemidji

Poplar Bluff

Farmington

Tulsa

Morgantown

States That Pay You to Move: Exploring Remote Worker Relocation Programs

Are you considering moving to a family-friendly community? Whether you're a remote worker seeking a better quality of life or simply looking for a place where your children can thrive, these 11 communities offer the perfect blend of affordability, excellent schools and an abundance of family-friendly amenities.

School System: Richmond Community Schools

Richmond exemplifies small-town charm with a close-knit community feel. The community's school district maintains a student-to-teacher ratio of 14:1 and a 95% graduation rate. The town features Hayes Arboretum and Glen Miller Park for outdoor recreation. Sports enthusiasts will find plenty to enjoy in Richmond. Indiana University East and 

 offer collegiate sports, while Richmond High School boasts a state-of-the-art athletic facility. Families can also enjoy a show at the Richmond Civic Theater.

School Systems: Mayfield Independent School District and Graves County Schools

Known for its festivals, football championships and welcoming atmosphere, Mayfield and Graves County have been home to generations of families. The community hosts the Haunted Graves Festival, a month-long celebration of family-friendly activities while the Rotary Club supports local initiatives, including scholarships for students. Outdoor enthusiasts can enjoy hunting and fishing, while food lovers can savor delicious BBQ and explore traditional delicacies carried in local shops. Beyond its attractions and activities, Mayfield and Graves County offers a strong sense of community. Residents are known for their kindness and support, creating a welcoming environment for all.

$550 for Movers who join the local workforce

Located in the heart of the Lone Star State, Abilene is the perfect community for families. With its expansive skies, rolling landscapes and a blend of modern amenities and Western charm - Abilene provides a delightful living experience. The city's diverse array of recreational opportunities, including the engaging Frontier Texas! Museum and the scenic Abilene State Park cater to all interests. Abilene's reasonable cost of living and excellent educational institutions, such as Abilene Christian University and Hardin-Simmons University, make it an attractive destination for families and students alike. The friendly community actively participates in local events, fostering a strong sense of belonging. Abilene offers a compelling mix of small-town charm and modern conveniences, making it an ideal place to call home.

Situated 100 miles from Des Moines along the Missouri border, Davis County offers a unique blend of rural living and economic opportunity. Davis County proudly hosts Iowa's largest Amish community, centered in the Drakesville and West Grove areas west of Bloomfield. The area's cultural tapestry is further enriched by events like the beloved Country & Old Time Music Festival, which draws visitors from across the Midwest. In addition, families will enjoy the county’s hiking and nature trails, family-friendly campgrounds and peaceful lakeside recreation. The region is also welcoming families with an attractive $10,000 tax abatement for those building new homes.

School Systems: Blue River Valley Schools, New Castle Community Schools and South Henry School Corporation

Henry County is more than just a place to live; it’s a community where work and play intertwine, where traditions are honored and where your neighbors quickly become friends. Henry County’s commitment to education shines through its innovative school programs—just look at Shenandoah High School's cutting-edge esports team as an example of its schools embrace both tradition and progress. With state parks, vibrant art associations, regular concerts, seasonal festivals, county fairs and a growing selection of wineries and breweries – there’s always a way for families to stay active and engaged.

Noblesville offers an ideal blend of suburban comfort and urban convenience. The historic downtown square serves as the heart of the community, while modern developments provide all the amenities of city living. Through an innovative partnership with 

, the downtown alleys have been transformed into Instagram-worthy spaces featuring vibrant murals, outdoor dining areas and endless photo opportunities. The city also provides families with diverse housing options to fit every lifestyle and budget in addition to top-rated schools and healthcare facilities.

Home to West Virginia University, Morgantown combines outdoor recreation with educational opportunities. The city's rail-trail system offers 48 miles of safe biking and walking paths. The school district maintains strong academic performance with a 95% graduation rate. The presence of the university provides access to cultural events, sports programs and educational resources for families.

School System: Fayette County School Corporation

Connersville welcomes new residents seeking an authentic small-town experience without sacrificing modern conveniences. Located along the scenic Whitewater River in eastern Indiana, the community of approximately 13,000 residents takes pride in their manufacturing heritage while embracing a bright future. Tree-lined streets, historic architecture and welcoming neighborhoods create an atmosphere that immediately feels like home. Families will enjoy a busy social calendar including First Friday events downtown, summer movie nights and the historic canal days.

School Systems: Owensboro Public Schools and Daviess County Public Schools

Owensboro’s commitment to education, culture and quality of life creates an environment where children can thrive and families can build lasting connections. This charming river city provides endless recreational opportunities including Yellow Creek Park and the expanded Greenbelt walking and biking trail system. The combination of affordable living, excellent schools and a strong sense of community makes Owensboro particularly attractive to families looking for a safe, engaging environment to call home.

School Systems: Community Schools of Frankfort, Clinton Central School Corporation and Clinton Prairie School Corporation

Clinton County combines the best aspects of small-town living with modern amenities and opportunities. The county's strategic location allows families to enjoy the benefits of rural living while maintaining easy access to larger cities like Lafayette and Indianapolis. The county’s strong school systems include access to STEM and vocational programs and multiple AP and dual credit opportunities. Families will feel safe with the low crime rate across the county and can participate in family-friendly events and festivals throughout the year.

School System: Neodesha Unified School District

The 2,400 residents of Neodesha, Kansas are excited to welcome new families to their vibrant community. The Neodesha Early Learning Center provides high-quality daycare and education for children from 2 weeks to 4 years old. Neodesha takes great pride in its excellent public school system and offers the Promise Scholarship program, which covers tuition for eligible students attending technical schools or colleges within the state of Kansas. Residents of Neodesha have access to top-notch medical care at the Wilson Medical Center. To further enhance the quality of life in Neodesha, it’s adding 100 new homes and offering tax cuts for neighborhood improvements.

When considering these locations, remember to:

Research specific neighborhoods within each community.

Contact local real estate agents who can help guide you through the home-buying process.

Plan visits during different seasons if possible.

Discover 11 affordable, family-friendly communities across America offering relocation incentives up to $20,000, excellent schools and rich amenities. From Indiana's charming Richmond to Kansas's welcoming Neodesha, find the perfect place to raise your family with our comprehensive guide to cities combining small-town values with modern opportunities.

Richmond

Abilene

Bloomfield

Henry County

Noblesville

Connersville

Owensboro

Clinton County

In Search of a Better Life for Your Children? 11 of the Best Communities to Raise a Family for Remote Workers

In a recent survey of 886 American workers, intriguing patterns emerged about how people feel about their current living situations, and their proximity to family. This data shows the varying degrees to which people feel their quality of life could be improved by a change in geography across age, gender and regional lines.

1. Nearly 70% of Americans are Craving a Change of Scenery

A surprising 68% of full-time workers think they’d be better off living in a different United States city or town, a sign that a majority of the workforce believes they could benefit from a new backdrop. A smaller 11% felt strongly that they were already “living their best life” in their current location, suggesting only a minority have achieved their ideal setup.

As respondents age, the appeal of moving somewhere new increases. Only 39% of the youngest group surveyed (25-29) felt they’d be better off elsewhere, compared to 52% in the 30-44 group and 55% in the 45-54 group. Younger respondents tended to show a higher rate of neutrality or slight disagreement, possibly indicating they’re still in the early stages of determining where they want to settle.

More men than women feel like a move could improve their lives, with 56% of men saying they’d be better off elsewhere, compared to just 48% of women.

This could reflect differences in career mobility, family dynamics, or perhaps women’s preference to maintain existing community bonds.

From the East Coast to the West, location impacts satisfaction big time. Those living in the Middle Atlantic and Pacific states have the strongest sense that they could be better off somewhere else (75% and 73% respectively) which may be a reflection of the increasing burden of living in the major metros in these areas. High costs of living, traffic congestion, and environmental challenges may make the idea of relocation more appealing in these regions.

Conversely, those in the West North Central region (Minnesota, the Dakotas, Iowa, Nebraska, Missouri and Oklahoma) are happiest where they are, suggesting that they’re getting something right about life in “flyover country.

More than half 54% of respondents say they wish they lived closer to family. Women showed a higher rate of satisfaction with current family distance, at 46% compared to men’s 39%, indicating that women might already feel they’ve struck a good balance between closeness and space.

5. The 45+ Crowd is Eager for Closer Family Ties

As people hit their mid-40s and beyond, the desire for family closeness jumps. Nearly 63% of this group wish their family lived closer, compared to just 43% of the 18-29 age group, who are often happy with some distance. It seems as people get older, family support and connections become increasingly important.

The survey paints a complex picture of how Americans feel about where they live and their proximity to family. Whether considering a move to improve quality of life, balancing family closeness, or simply finding satisfaction in a current location, people’s needs and priorities differ significantly across age, gender, and region. As remote work continues to shape where people can live, these insights into where Americans would truly feel “better off” provide valuable perspectives for communities working to enhance community, family and lifestyle offerings.

MakeMyMove conducted a survey of 886 Americans in October 2024 utilizing the SurveyMonkey Audience panel. Respondents were Americans between the ages of 25 and 54, employed full time and had a minimum annual household income of $75k.

New survey reveals 68% of high-earning American workers believe they'd be better off living elsewhere, with regional satisfaction varying significantly. Research shows age and gender impact both geographic contentment and desired proximity to family, offering insights into workforce mobility trends.

“Grass is Greener” mentality is strong among the nation’s top talent, new survey shows

Growing up in the tiny town of Dubois, Indiana, with a population of just over 400, Rachel always knew there was more to the world than the four-way stop sign and the rolling farmland surrounding her. After graduating high school, she set out to explore, venturing first to Atlanta, then Cincinnati and ultimately landing in the bustling metropolis of New York City.

For nearly 15 years, Rachel carved out a life for herself in the Big Apple, working as a counselor in the public school system during the day and pursuing her passion for hospitality by taking on restaurant jobs in the evenings. But the cost of living and the relentless pace of city life began to wear on her.

"I was working two jobs in New York City just to make ends meet,” she says.

As Rachel's parents grew older, the pull of her small-town roots grew stronger. She found herself longing for the wide-open spaces and the familiar faces of her childhood. The pandemic, which forced many New Yorkers to reevaluate their life priorities, only amplified this desire.

"I missed nature. I grew up on an 80-acre farm and in New York, in terms of large greenspaces, there’s only Central Park. So, I was going a little stir-crazy," Rachel explains.

When Rachel's cousin, who worked in the casino at the 

, mentioned they were offering a blackjack dealer training program, it piqued her interest. The thought of working in the hospitality industry in her home state, surrounded by the historic hotels she had fond memories of, seemed like the perfect fit.

But as Rachel explored her options, another opportunity presented itself – the 

 program. Launched in 2020, MakeMyMove offers financial incentives and community support to attract talented professionals like Rachel to communities throughout the United States.

After 15 years in NYC, Rachel Beck returned to her tiny hometown of Dubois, Indiana through the MakeMyMove program, trading her demanding city lifestyle for entrepreneurial pursuits and launching The Feisty Heroine, a platform empowering rural single women to embrace independence.

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