Is An Escape To The Country Right For You? A Realistic Assessment

Luna Greco

6 min read

Post on May 25, 2025

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Financial Considerations of a Country Escape

Embarking on a rural relocation requires careful consideration of the financial landscape. While the dream of country living is enticing, the costs can be surprisingly high.

Higher Housing Costs (but potentially lower taxes):

While city apartments might command high prices per square foot, rural properties often come with a significantly larger price tag overall. This is due to larger lot sizes and the desirability of open space. However, you might find property taxes lower in some rural areas compared to bustling urban centers. Still, be prepared for a substantial initial investment.

• Property purchase price: Expect to pay a premium for acreage and larger properties compared to urban dwellings of similar quality.
• Property taxes: While potentially lower than urban areas, research local rates thoroughly as they can vary widely.
• Maintenance costs: Maintaining a larger property, including landscaping, repairs, and potential heating systems for larger spaces, will add considerable expense.
• Transportation costs: Lack of public transport often means increased reliance on a car, leading to higher fuel costs, vehicle maintenance, and potentially higher car insurance premiums.

Increased Running Costs:

Beyond the initial purchase price, the ongoing costs of country living can significantly exceed those in urban settings.

• Heating oil vs. natural gas: Rural areas may rely on more expensive heating oil rather than readily available natural gas, impacting your energy bills.
• Internet speed and availability: Reliable, high-speed internet access can be a challenge and significantly more expensive in rural areas. Consider the cost of satellite internet or other less common options.
• Car insurance: Increased driving distances to reach amenities and services may lead to higher car insurance premiums.
• Home insurance: Insurance costs can also be higher in rural areas due to factors like increased risk of wildlife damage or distance from emergency services.

Job Market and Commuting:

The job market in rural areas often differs considerably from urban centers. This can impact your financial stability and necessitate a long commute if your work is not location-independent.

• Remote work opportunities: Assess your job prospects and the feasibility of remote work before committing to a move.
• Commuting costs: Factor in the cost of fuel, vehicle wear and tear, and the considerable time commitment of a long commute.
• Potential career sacrifices: You may need to accept a lower-paying job or even a career change to accommodate the limited job market in your chosen rural area.

Lifestyle Changes When Escaping to the Country

An escape to the country involves far more than just a change of address; it's a fundamental shift in lifestyle.

Pace of Life and Social Interaction:

Country living often offers a slower pace of life, a stark contrast to the hustle and bustle of city life. While this can be appealing, it can also lead to social isolation.

• Reduced access to amenities and entertainment: Expect longer travel times to reach restaurants, theaters, and other entertainment venues.
• Limited social circles: Building a new social network in a rural community might take time and effort.
• Increased neighborly interaction: You'll likely have closer interactions with your neighbors, which can be both positive and negative.

Access to Amenities and Services:

Access to essential services like healthcare, grocery stores, and schools is often reduced in rural areas.

• Travel time to hospitals: Consider the distance to hospitals and the potential challenges accessing specialized medical care.
• Grocery stores: Expect a more limited selection of goods and potentially higher prices at local grocery stores.
• Schools: Research the quality and availability of schools in the area if you have children.
• Access to specialist services: Finding specialized services like dentists or mechanics might require longer travel times.
• Reliance on personal vehicles: Public transport is usually limited; owning a reliable vehicle is essential.

Dealing with Rural Challenges:

Rural living presents unique challenges that city dwellers rarely encounter.

• Wildlife encounters: Dealing with deer, pests, and other wildlife is a common occurrence in rural areas.
• Power outages: Power outages are more frequent and can last longer in rural areas due to less robust infrastructure.
• Rural broadband issues: Reliable internet access can be a constant struggle in many rural locations.
• Dealing with inclement weather: Rural areas are often more exposed to harsh weather conditions.

Practical Steps to Plan Your Country Escape

Careful planning is crucial for a successful rural relocation. Don't rush into this significant life change.

Thorough Research and Site Visits:

Before making any decisions, conduct extensive research and visit potential locations multiple times.

• Investigate local services: Research the availability and quality of healthcare, schools, and other essential services.
• Speak to locals: Get firsthand insights from people who already live in the area.
• Consider the seasonal aspects: Visit during different seasons to experience the area's weather patterns and changing landscape.
• Job market research: Explore job opportunities in your desired location.

Financial Planning and Budgeting:

Develop a detailed financial plan that accounts for all potential costs, both upfront and ongoing.

• Mortgage pre-approval: Secure pre-approval for a mortgage to understand your borrowing capacity.
• Emergency fund: Create a substantial emergency fund to cover unexpected expenses.
• Understanding running costs: Thoroughly research and budget for all running costs, including utilities, maintenance, and transportation.
• Contingency planning: Develop a plan to address unforeseen circumstances, such as job loss or unexpected repairs.

Seeking Professional Advice:

Consult professionals to navigate the complexities of an escape to the country.

• Real estate agent: Find an agent with expertise in the rural property market.
• Financial advisor: Get advice on mortgages, investments, and financial planning.
• Relocation services: Consider using relocation services to streamline the moving process.

Making the Right Choice for Your Country Escape

An escape to the country offers the potential for a peaceful and fulfilling life, but it's essential to understand the significant financial and lifestyle adjustments involved. Careful planning, thorough research, and seeking professional advice are crucial before making this significant life change. Weigh the pros and cons carefully, considering the potential for higher costs, reduced access to amenities, and the lifestyle shift to a slower pace of life. Before pursuing your dream of country living, rural relocation, or moving to the countryside, ensure you make an informed and financially sound decision. Are you ready to take the leap?