People often fantasize about leaving bustling lives in the city behind and opting for a slower, simpler, and quieter life in a rural environment.
You might even hope to boost your bank account by purchasing a cheaper home. However, the reality of rural living doesn’t always live up to the dream.
As with most things, there are both pros and cons to living in rural areas. Make sure you don’t overlook the following brutally honest truths about living in rural America before you make a final decision.
If you’re over 50, take advantage of massive discounts and financial resources
Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.
How to become a member today:
- Go here, select your free gift, and click “Join Today”
- Create your account (important!) by answering a few simple questions
- Start enjoying your discounts and perks!
Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $12 per year with auto-renewal.
Everything is far away
All the things you want to go to will be far away. It’s easy enough to tell yourself that you’ll make the longer drive to your nearest big-box store or favorite restaurant, but the reality is more arduous.
You will have a hard time finding a way to lower your car costs depending on the size of your rural town.
Cinemas, strip malls, restaurants, stores, and other entertainment options might be a lengthy drive away. That can even be true of hospitals and other emergency services.
There are fewer shopping options
If you move to rural America, you might give up access to shopping.
This may not seem like a big deal at first. In fact, not being able to shop as often can improve your financial fitness.
But over time, it’s easy to become frustrated by having to do your weekly grocery shopping at one tiny local grocer with limited inventory.
Other types of retail shopping will also likely be limited. Don’t expect to find a mall in the middle of the country. You’ll be lucky if there’s a Target or Walmart nearby.
Public transportation might be nonexistent
If you decide to live in a rural area, you better have a car. Most remote areas lack popular amenities like rideshare services and public transportation.
You also may not have access to delivery services such as DoorDash or Postmates.
Resolve $10,000 or more of your debt
Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.
National Debt Relief could help you resolve your credit card debt with an affordable plan that works for you. Just tell them your situation, then find out your debt relief options.1
How to get National Debt Relief to help you resolve your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can assist you in settling your debt, but only if you schedule the assessment.
It’s possible you will have too much peace and quiet
Many people move to the country searching for peace and quiet. But they might not know what they’re getting themselves into.
It’s understandable if the noise and chaos of the city are too much for you, but the absolute silence of rural living can be just as bad for some.
Removed from businesses, highways, and even average suburban streets, you’re left with complete, utter, all-encompassing silence — save for the occasional cricket or critter.
Wildlife abounds
Many people want to move to the country to connect with nature — until they’re confronted with it.
Idyllic depictions of rural living include peaceful deer and rabbits strolling through the woods. But it’s far less romantic when those critters destroy your gardens and landscaping.
Depending on your region of the country, wildlife could include alligators, scorpions, snakes, bats, poisonous spiders, bears, and other similarly dangerous or deadly animals.
You also might have to deal with many other bugs and rodents, especially if you live on farmland.
Trending Stories
Get ready to become a lawn care expert
Apartment or complex living certainly has disadvantages, but you rarely have to worry about maintaining your lawn if you have one. You also have the advantage of an HOA or landlord who can help with lawn care.
When you move to a rural area, you give up that luxury entirely.
Tasks like home and lawn upkeep fall entirely on your shoulders. More than that, lawn maintenance becomes much more involved than simply mowing, considering the size of your land, animals, and harsh weather.
You might find fewer job opportunities and resources
Don’t expect a lucrative job market to be waiting when moving to a rural community. Even if you move with a job secured, prepare yourself if something unexpected happens because positions in rural areas can be limited and competitive.
Be careful with remote work, too. Internet access can often be spotty and unreliable. If you choose to commute, prepare yourself for a lengthy drive.
Isolation can be a real issue
Moving to a new city or town comes with its own set of challenges. Still, there are usually bars, restaurants, and other opportunities to socialize and integrate yourself into the community.
The same can rarely be said about rural life. That isn’t to say that people aren’t friendly. However, there aren’t as many opportunities to meet them. Your nearest neighbor may be miles down the road; unless you work locally, you might feel isolated.
Weather-related issues
Weather is an issue everywhere, but especially so in rural areas. In cities and suburbs, roads are salted and plowed when you get snow or ice. If a storm knocks down power lines, the response time is often very prompt.
In the country, though, you may have to fend for yourself — especially if you’re remote. Even a light layer of snow can disrupt your daily operations in the country.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!2
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Bottom line
Don't hesitate to answer if the quiet country life calls you — and you hope to buy a cheaper house and get ahead financially. Just know what you’re getting into.
There's a lot to enjoy about rural living. But those unfamiliar with the lifestyle should be wary of romanticizing it before getting in over their heads.
Lucrative, Flat-Rate Cash Rewards
FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
Wells Fargo Active Cash® Card
Current Offer
$200 cash rewards bonus after spending $500 in purchases in the first 3 months
Annual Fee
$0
Rewards Rate
Earn unlimited 2% cash rewards on purchases
Benefits
- Low spend threshold for its welcome offer — $200 cash rewards bonus after spending $500 in purchases in the first 3 months
- Cell phone protection benefit (subject to a $25 deductible)
- Can redeem rewards at an ATM for literal cash
Drawbacks
- Foreign transaction fee of 3%
- No bonus categories
- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don’t expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Subscribe Today
Want extra-cash moves to come right to you?
Stop browsing endlessly. Get proven ways to earn pocket money, help cover rent, and crush your debt — sent to your inbox daily.