2022 finest cities for freelancers | Lifestyles: Food, Home, Health

The pandemic has created extra alternatives for distant, self-directed and freelance work than ever. Right this moment, round 10 million Individuals say they’re working for themselves in some capability.

The chance to work from wherever is certainly attractive to many, and it begs an fascinating query: For those who might work from wherever, the place would it not be?

That can assist you reply that query, we put collectively a listing of the ten finest cities for freelancers in 2022. Our underlying evaluation, which used current metro-area knowledge from the U.S. Census Bureau and state-level knowledge from the Federation of State Tax Directors, finds indicators of comparatively inexpensive lease; these metro areas additionally appear to have vibrant and rising freelancer cultures, in addition to rising demand for items and companies. Right here’s the record.


1. Greenville-Anderson, S.C.

Individuals are additionally studying…

4. Des Moines-West Des Moines, Iowa

5. Ogden-Clearfield, Utah

7. Worcester, Mass.-Conn.

8. Chattanooga, Tenn.-Ga.

— Most of the high 10 cities for freelancers had comparatively low housing prices. In line with the Census Bureau knowledge, 51.6% of U.S. renters paid lease that was lower than the recommended threshold of 30% of gross monthly income. And a few metro areas had been properly over that common, which means they’d increased proportions of individuals with comparatively possible lease bills. Lease could make or break some freelancers. “Your number one strategy should be to keep your overhead costs as low as possible when you’re starting out,” says Lori Martinek, a Los Angeles-based licensed mentor for SCORE, which is a nationwide nonprofit that provides free assets to enterprise house owners.

— In high cities for freelancers, unemployment was usually comparatively low and jobs had been being added. A superb job market and influx of employees can sign rising demand for items and companies from freelancers. The highest 10 metro areas tended to be excessive performers in these areas, and all noticed web will increase within the variety of individuals employed there in 2020.

— The scale of the self-employed neighborhood is notable in most of the high metro areas. Nationally, 5.8% of employees had been self-employed in a nonincorporated enterprise , based on 2019 knowledge from the U.S. Census Bureau. A number of of the metro areas on our record exceeded this share, suggesting they’d wealthy, energetic environments for gig employees, impartial contractors and freelancers.

— Minimal state tax charges are comparatively low in most of the high cities. Although deductions, credit, submitting standing choices and tax guidelines make it arduous to foretell what any freelancer’s tax burden can be, minimal state earnings tax charges can trace at whether or not freelancer tax payments might be increased or decrease in sure areas.


Shifting isn’t straightforward or low-cost, so deciding when to take your freelancing life to a different city will be tough. Enterprise consultants say to maintain three issues in thoughts when considering a transfer.


The larger the town, the extra it prices to reside, says Jonathan Medows, an authorized public accountant at Medows CPA in New York Metropolis. State earnings tax brackets and charges fluctuate, and in some locations there are even new or further taxes to contemplate. Medows’ hometown of New York Metropolis, for instance, has a city-level earnings tax, along with state and federal taxes; freelancers shifting there could have to contemplate elevating their charges to compensate for the extra tax expense.


Medows recommends a preview journey. “Dip your toes. Go for a couple of weeks. Work there. See if it’s something that’s viable. Moving’s expensive, and I would do like a pilot trip,” he says. That will even provide you with an opportunity to collect the tax and licensing data you want.

“So number one, get a lay of the land; understand the county, state and local taxes. Number two, understand if you need any business licenses,” he says. “Number three, see if your good or service that you’re offering is subject to sales tax and register for sales tax.” Zoning legal guidelines must be one other consideration, Medows provides.

When you’ve moved, go into the native financial institution and arrange your account in individual, Martinek says. “Go meet the people at the bank, tell them what you’re trying to do. And they will put you in touch with other organizations and other small businesses. It happens time and time again,” she notes. “They want to help you because they want to see your business grow.”


“One of the best things about being a freelancer or an independent contractor is that you literally can live and work anywhere that has a high-speed internet connection, domestically or internationally,” Martinek says.

Location can’t resolve all the pieces, although. “The things that location can’t fix include, for instance, a lack of a business plan or having a valuable skill or service to offer,” Martinek says. Additionally, sure sorts of work could solely be obtainable in particular areas — freelance camera-work alternatives in areas with quite a lot of TV and movie units, for instance. “You can be in the busiest city in the world, but if you can’t get any business for what you’re doing, then you’re in the wrong place,” says Medows.

To create the record, NerdWallet pulled knowledge for main U.S. metropolitan areas from america Census Bureau. We additionally pulled state tax charges from the Federation of State Tax Directors. We weighted the influence of every issue relying on how vital we felt that issue could be within the potential monetary success of a freelancer. We excluded metro areas for which there was unfavorable or no Job-to-Job Flows Census knowledge.

NerdWallet’s evaluation consists of knowledge from the next sources:

— U.S. Census 2019 American Neighborhood Survey knowledge for the unemployment price, share of individuals in Census-designated metro areas who recognized as self-employed in nonincorporated companies, and share of renters in a Census-designated metro space who spend lower than 30% of their family earnings on lease.

— U.S. Census This fall 2019 and This fall 2020 Job-to-Job Explorer knowledge.

— State tax charges for 2022 from the Federation of State Tax Directors.

This text was supplied to The Related Press by the non-public finance web site NerdWallet. Tina Orem is a author at NerdWallet. E-mail:

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