moving to usa

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bellaboy

Well-known member
Joined
Sep 7, 2010
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68
Hi
me and my wife ar thinking aboute moving to the usa. what schoud we think aboute .
how are the house prices now .

i can get a loan in the us for about 1 million dollars i have 510000 value in my house in norway.

how aboute the living costs .food, water, eletric,sewage, cars ,etc

how is it a bout work i have a lot of famely in austin texas and in ritchmond virginia

hoping anyone has some ideas .

Erling
 
Housing prices here in California are at relative lows. Probably on a par with home values around 2000. I suspect most of the rest of the nation has similar low home prices.

$1 million should buy a very nice home here these days. Depends on your needs and wants, and the local market/neighborhood. I don't think Austin, TX is an unusually high priced area, nor Richmond, VA. You might be able to find something to your liking in either location for $510,000 or less.

I bought my home in 1997. It probably doubled in price on paper, by around 2005. My latest appraisal (for a refi) last year, however, had it only about 20% more value than I paid for it. Which means I can apply for a lower tax bill ;-).

Good luck. I think you'll enjoy the warmer weather in either location.

Food costs in the USA are relatively low. We're a food exporter, after all. Lots of fresh produce available year-round. Wild-caught seafood seems to be rather expensive, though, at least compared to other protein sources like chicken or pork.

Cars? Depends on what you want. Again, probably cheaper here - and gas here is probably 1/2 the cost, or less, than what you pay in Norway. Taxes? Also lower than in Norway, as I understand it. One variable is local/state property taxes. These are controlled in California, to some extent, esp. for those who have owned their homes for many years. I understand they can be a lot higher in some places back East. States vary in their levy of other taxes, like sales taxes. And in most areas one pays two income taxes: one federal, the other state.

Usually the places considered more desirable to live are also the more expensive in terms of housing, taxes, and other costs of living. Popular cities like SF, Boston, and New York can be very expensive. The suburbs are usually less expensive.

Utility costs also vary by region. In California, or most of New England, electricity can be quite expensive. It's much cheaper, generally in areas like Texas. Sewage is generally included with the property tax bill, but in some areas it might be tied to the water bill.
 
Consider something different?

I realize you are looking for someplace in the United States to live in, but may I suggest something different?

If you are willing to fly down to Texas or Virginia to visit your family, rather than having to live near them, why not choose Canada instead?

Overall, everything in Canada is more expensive than it is in the US. Taxes are higher too, unfortunately. I live in Alberta, which is the cheapest province to live in. We have the cheapest gasoline, no provincial sales tax, a booming oil and gas industry here and Alberta is one of two places in the world that get Chinooks! :)

(Imagine that it is -20 C outside, when suddenly, over the span of eight hours, it goes up to 20 C for an hour or two, before it drops back down again. Chinook means "Snow Eater" in Cree.)

The average house price in Calgary, Alberta around $380,000 right now, so $510,000 would get you a very nice house here.

Living costs can bit a little tougher up here. Minimum wage is about $10/hr and food is a bit more expensive. For example, you can expect to spend on average about $20/person at your average restaurant. About $10/person at a fast food restaurant or vietnamese restaurant.

We live in a 1000 sq.ft house. Our utilities bill usually comes to around $250 a month during winter and around $120 a month during summer. Utilities include gas, water, sewage and electricity.

Depending on the kind of vehicle you want to buy, you can be looking at anything between $10,000 all the way up to $120,000. Domestic vehicles (Such as Mopar, GM and Ford) tend to be considerably cheaper than the imports. On average, cars cost about $5000 more than they would in the USA due to the smaller population up here. Imports such as Fiat, Audi, Volkswagon, BMW, etc carry a bit of a premium. For example, some Audi's cost nearly $10k more here than they do in the states.

Canada is very culturally diverse, especially Calgary. We have large Chinese and Indian populations here with a lot of other minorities thrown in the mix.

We have government paid for medical care, additional health insurance is fairly cheap and is covered by most employers for no cost or for a small additional cost.

Gasoline right now is hovering around $1.03/Litre here right now. Unfortunately, the cheapest gasoline in Canada is as expensive as the most expensive gasoline in the USA, again due to the population.

Calgary is a city of just a bit over 1 million people and is a major airport hub. We have a decent Light Rail Transit and Bus system here and every service you can possibly imagine.

The national sales tax rate (The Goods and Services Tax) is 5 percent. I'm not too sure about the income tax rates though.

Canada uses the Metric system, so all the road signs are in Kilometers per Hour. We do occasionally use the old fashioned imperial system, but most everything we buy, shop for, etc is in metric. (ie. A Kilogram of apples, A litre of gasoline)

For someone coming out of Europe, I'd say that Canada would be an easier adjustment than moving down to the States, but that's just my opinion.

Alternatively, if you want to be physically closer to your family, I'd probably recommend moving into Toronto. However, the cost of living is higher there. Toronto is a city of about 5.5 million people I believe, so it is like the equivalent of New York City.

Considering that I'm a born and bred Canadian, you could say that I'm biased... but it should be an alternative you should consider.
 
Work . . .

If you make the move will you and/or your wife be working? If so, what are your professions? Finding good jobs should be your first priority and will make some areas more desirable than others. Think about climate as well . . . do you prefer a warmer or colder area?

 

Regarding housing and loans, as noted above house prices are now low but can vary greatly from one area to another. Banks have plenty of money but are restricting loans - they'll talk big but when it's time to sign the papers lots of people are getting turned down. Because of this real estate agents and sellers love cash buyers and you can often get a much better deal if you have cash, so you might think carefully about selling your house in Norway first and just paying cash for a house here. $500,000 should buy a house in most any part of the country, although in some places it will be an ordinary small, older home while in others it will get you a very nice larger home. If you're thinking of Texas also consider Dallas-Ft. Worth and Houston; both are an easy drive from Austin and both have pretty good job markets.
 
I think one thing that you need to realise before you go is that you cannot really generalise about the United States. There are absolutely enormous differences between the states that make it up in terms of climate, law, taxation, housing, levels of economic development, education opportunities, transportation etc etc.

While the USA does have a common language and is a federal state, many of the differences between US states can be as profound as the differences between member states of the EU.

You'd really need to get more specific information about a particular state or group of states. I mean, for example New England, to me, feels very much like Ireland or Britain in many respects, even socially and politically. While, Texas is about as different to here as you could possibly get.

I've spent some time living and traveling around the USA and also a lot of time living in different EU countries and I can assure you the differences in the states can be pretty stark and surprising when you go from one region to the next.

I find a lot of Europeans generalise about the US in much the same way as a lot of Americans tend to generalise about "Europe". You'd really had to get local advice from people in the areas that you are considering moving to.

I'd say your best bet is to take some vacations to the areas that you are considering moving to. There's no better way to check out a place than to spend a week there!
 
One other thing btw: The US Economy at the moment is not in particularly good shape and unemployment levels are quite high.

So, if you're thinking of making a move there, make sure that you have something lined up that is likely to provide you with a secure and stable future.

Also, when comparing with European costs, bear in mind that taxation levels might be lower but they are often counterbalanced by high costs for things like private health insurance, and if you have kids, third level educational costs in the United States are astronomically expensive.

So, while the taxes seem low, you may find that your actual take-home pay is not all that different from Norway.
 
mrx makes very valid points.  Being an American I can easily say there are parts of the country I would  not consider living in for cultural and political reasons.  Factor in your feelings about living with like minded people when you consider moving here.
 
Bellaboy,

I wish you the best of luck in your decision.

If you need more information about Canada and Alberta, please let me know. My e-mail address is qualin@n0$pam.shaw.ca (Delete the nospam part)

I'll be glad to answer any questions you may have.
 
Are you...

What part of the country are you considering?

Before we talk about culture, politics, or anything, do you know where you will be living?

Climate in the USA can vary from far northern European temperatures, to Southern Italy (and even hotter). What would you like?

When you come to the USA, I'd suggest that you lease an apartment (flat) for at least a year when you arrive, I don't know how much space you might want but flats are available in sizes ranging from 200 square feet (20 square meters) to 3000 square feet (300 square meters). Cost will vary depending on where you wish to live, and what type of flat you want - an expensive part of New York City , Boston, San Francisco, or LA will be significantly higher than Denver, Dallas, Houston, or Kansas City.

Do you need to have a job? Do you have appropriate work visas if so?

We'd love to help you, but I think we need more info.

Hunter
 
Try Austin, Texas first as it is the least hard hit with the economic problems and is a growig city and the Texas State capitol.  No income taxes for state either.  Cost of living is better than Richmond VA.

 

Climate is pretty good also if you want warm weather almost year round.
 
Perhaps the most culturally like Norway might be Minnesota, home of the famous "Norwegian Bachelor Farmers" that a PBS radio variety show invented (Prairie Home Companion). That show originates from St. Paul, Minnesota.

It's also the home of our illustrious webmaster, Robert Seger.
 
Aboute the move

Hello !! thanks for all reply's,

i have got a job offer in Texas an in Illinois. in the laundry sector.my wife is educated as a teacher in music and religion so she will have a job too.

it will be after the summer if everything goes okay

again thanks

Erling
 
In general, Texas is better economically

The Texas economy, from what I can see, beats Illinois hands down. I am sure it matters where in Texas you are.

Illinois has very harsh winters (though you are probably used to them), high taxes, and an endemic culture of corruption. (Especially the city of Chicago). Though I'm sure Texas has its own share of corruption, as well.

I suppose if you want to experience something quite different from Norway, Texas might be your better choice.

I don't live in Texas, BUT I would choose it over Illinois for a large number of reasons.
 
Illinois is not bad at all. I am just across the river from it and can say not a bad place at all.
 

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