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Stephanie Horan

Mortgage, Savings and Retirement Expert

Stephanie Horan is a data journalist at SmartAsset. A Certified Educator of Personal Finance (CEPF®), she sources and analyzes data to write studies relating to a variety of topics including mortgage, retirement and budgeting. Before coming to SmartAsset, she worked as an analyst at an asset management firm. Stephanie graduated from Williams College with a degree in Mathematics. Originally from Philadelphia, she has always been a Yankees fan and currently lives in New York.

Posts by Stephanie Horan:

by Stephanie Horan Nov 19, 2019

In 2018, the median household income in the U.S. was $61,937 while the median home value was $229,700. But because median household incomes and home values differ greatly by place, home affordability can vary drastically. With this in mind, SmartAsset decided to take a closer look at home affordability in the U.S. Read more

by Stephanie Horan Nov 18, 2019

The middle class is feeling the squeeze, as financial gains for this cohort have not kept pace with those of upper-income households. The median income of upper-income households in 1970 was 2.2 times the income of middle-income households, but by 2016, that ratio had increased to 2.4, according to Pew Research Center. Middle class families, who typically dream of taking out a mortgage to buy a home and elevating their station in life, are the backbone of America. With this in mind, SmartAsset decided to look at some of the states in America where the middle class is the strongest. Read more

by Stephanie Horan Nov 12, 2019

Rent affordability is largely dependent on income. Guidelines from the Department of Housing and Urban Development (HUD) recommend that households not spend more than 30% of their monthly gross income on housing-related expenses, including rent and utilities, to comfortably afford other necessities like food and healthcare. But fluctuations in rent as a percentage of income can greatly affect individuals’ adherence to that rule and their ability to save. Read more

by Stephanie Horan Nov 14, 2019

According to a recent report from the National Council of Nonprofits, U.S. nonprofits employ more than 10% of the total private workforce in the U.S., a higher percentage than in many other… Read more

by Stephanie Horan Nov 07, 2019

Because the cost of living tends to correlate with population size, mid-sized cities are often more affordable alternatives to large cities and potentially offer better opportunities to save and… Read more

by Stephanie Horan Oct 31, 2019

The number of women-owned businesses in the U.S. has increased in recent years, which could be encouraging news for other women who are still building up the resources to start new ventures.… Read more

by Stephanie Horan Oct 23, 2019

Every two years, the Bureau of Labor Statistics (BLS) releases employment projections for more than 800 detailed occupations, with its most recent projections spanning from 2018 to 2028. Solar… Read more

by Stephanie Horan Nov 04, 2019

Following mortgage debt, student loan debt is the second-largest form of U.S. consumer debt, growing substantially over recent years and negatively affecting Americans’ ability to save enough.… Read more

by Stephanie Horan Jan 07, 2020

Lack of investment in infrastructure within a state can have tangible effects on its residents’ finances. The American Society of Civil Engineers’ 2016 report “Failure to Act” quantifies these… Read more

by Stephanie Horan Oct 17, 2019

State energy efficiency and renewable energy programs may produce significant benefits for residents including lower fuel and electricity costs, increased grid reliability, better air quality and… Read more

by Stephanie Horan Oct 01, 2019

About two-thirds of the jobs outlined by the Bureau of Labor Statistics (BLS) in 2018 do not require workers to have a bachelor’s or advanced degree. Though pay is generally correlated with education… Read more

by Stephanie Horan May 05, 2020

High-performing public schools and robust public education spending are often correlated with high home values. According to a 2002 report published by the National Bureau of Economic Research (NBER)… Read more

by Stephanie Horan Sep 29, 2019

The cost differential between renting and buying varies by the amount of time a person expects to stay in a home. Accounting for location, monthly rent and a target home price, SmartAsset’s rent vs.… Read more

by Stephanie Horan Oct 07, 2019

According to the National Center for Health Statistics, about 3.9 million births were registered in the U.S. in 2017, with millennial women accounting 80% of them. The average age of mothers at first… Read more

by Stephanie Horan Sep 25, 2019

People working in the same profession can have vastly different incomes, often related to where they live. After all the cost of living in a place can have a significant impact on pay. Waiters and… Read more

by Stephanie Horan Sep 11, 2019

In 2014, there were almost 32 million workers in the U.S. between the ages of 25 and 34, and over five years, this number rose to more than 35 million, an increase of about 10%. Of those 35 million,… Read more

by Stephanie Horan Sep 10, 2019

In 2017, the U.S. spent $3.50 trillion – more than $10,000 per person – on healthcare, according to the Organization for Economic Cooperation and Development (OECD). As a percentage of U.S. GDP,… Read more

by Stephanie Horan Sep 04, 2019

A good deal can make a significant difference for any purchase you make, but especially when you’re investing your hard-earned money in property like a home. As a result, it’s important not to… Read more

by Stephanie Horan Aug 29, 2019

Family and general practitioners cover the primary care needs of many people in the U.S. and generally serve as the first point of contact for patients seeking medical help. While family and general… Read more

by Stephanie Horan Aug 20, 2019

Foodies typically flock to large cities given the availability of many different cuisines and dining options. But are larger cities always the best places for them? In this study, we compiled some of… Read more

by Stephanie Horan Aug 20, 2019

Lawyers work in a variety of capacities. While many work in private and corporate legal offices, others work for federal, state and local governments. The particular specialties lawyers have may… Read more

by Stephanie Horan Aug 21, 2019

Owning a pet is an investment, and choosing an affordable and pet-friendly city is an important consideration for renters or people looking to buy a home. Dogs are one of the more expensive pets to… Read more

by Stephanie Horan Aug 13, 2019

Women constitute nearly half of the workforce in the U.S. According to 2018 data from the Bureau of Labor Statistics (BLS), 46.9% of total workers are women, a figure that stayed constant from 2014… Read more

by Stephanie Horan Aug 07, 2019

The Department of Housing and Urban Development defines those who pay more than 30% of their income on rent as housing cost-burdened. Generally known as the 30% rule, this HUD guideline has long been… Read more

by Stephanie Horan Aug 06, 2019

An estimated 47% of jobs in the U.S. are vulnerable to automation, according to a 2013 paper written at Oxford University by researchers Carl B. Frey and Michael A. Osborne. Depending on the mix of… Read more