Finding the Perfect Place: 9 Questions to Guide Your Move

A guide for finding a home you love in a place that feels like home.

Deciding where to live—whether for a year or a lifetime—requires considering a mix of personal, financial, and lifestyle factors. From job opportunities to community vibes, each aspect can play a crucial role in shaping your day-to-day happiness.

When asking yourself, “Where should I live?” think about both your current needs and what might change in the coming years. A little foresight can help prevent the regret of choosing a place that doesn’t quite fit your life.

Here are nine key questions to guide you toward a location that truly feels like home.

1. Is it close enough to the people and places that matter?

Think about the essentials: family, friends, work, and daily conveniences. Social connections enrich our lives, so consider whether being near loved ones is a priority for you. Also, factor in your proximity to workplaces, schools, healthcare, grocery stores, and entertainment.

If a long commute isn’t ideal, research public transportation options, traffic patterns, and the overall ease of getting around.

2. Does it match your lifestyle and noise preferences?

Are you seeking a lively urban atmosphere or a peaceful suburban retreat? If you prefer a quieter lifestyle, consider potential noise sources like highways, train tracks, or nightlife spots. On the other hand, if you love being in the middle of the action, check if there are restaurants, cultural venues, and social hubs nearby.

3. What’s the job market like?

If you’re moving for work, research employment opportunities in your field. Look into the area's economic growth, key industries, and whether salaries align with the cost of living. If you’re an entrepreneur, consider whether there’s a market for your business and resources for small business owners.

4. How much will it cost to live there?

Cost of living varies widely between regions. Research home prices, rent, property taxes, and utility costs. Beyond housing, factor in everyday expenses like groceries, transportation, and healthcare to get a full picture of what life will cost in your new home.

5. How much freedom do you want over your living space?

Some neighborhoods have homeowners' associations (HOAs) with specific rules about property modifications. If you want the flexibility to paint your house any color or start a backyard garden, research local zoning laws and HOA restrictions before deciding.

6. Is it easy to get around without a car?

If walkability is important, look for areas with pedestrian-friendly streets, bike paths, and easy access to public transportation. Even if you drive, having alternative transportation options can save you money and offer flexibility.

7. Is there enough green space nearby?

Access to parks, trails, and outdoor spaces can improve well-being and provide a break from the hustle of daily life. Whether you enjoy morning jogs, picnics, or simply a place to relax, check if the area has parks, waterfronts, or nature reserves.

8. What’s the climate like year-round?

If you love four distinct seasons, a snowy winter, or a warm, beach-friendly climate, research long-term weather patterns. Also, consider how factors like humidity, rainfall, or extreme temperatures might impact your comfort and daily activities.

9. Does the area meet your safety and security needs?

Safety means different things to different people. If low crime rates are a priority, research local crime statistics. If you have children or pets, check for safe places to play. If community inclusivity is important, explore local policies on diversity, discrimination protections, and neighborhood dynamics.

Additional Tips for Deciding Where to Live

1. Evaluate the pros and cons of where you live now.
Make a list of what you love and dislike about your current neighborhood. This can help you pinpoint must-haves and deal-breakers for your next home.

2. Visit at different times of day.
A neighborhood might feel peaceful in the morning but completely different at night. Visit multiple times, talk to locals, and get a feel for the area.

3. Stay in the neighborhood temporarily.
If possible, rent a short-term place in the area you’re considering. Living there for a few weeks can give you firsthand experience before committing long-term.

4. Seek local expertise.
Real estate agents and property managers can provide insights into local market trends, amenities, and future development plans.

Choosing where to live is a major decision, but taking the time to explore your options thoughtfully will help you find a place that truly feels like home.

* Specific loan program availability and requirements may vary. Please get in touch with your mortgage advisor for more information.