Moving to New York with job offer and visa
#1
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Joined: Apr 2018
Posts: 7
Moving to New York with job offer and visa
Hi all, first thread so hope I'm in the right place - apologies if not and for any other forum-based fouls yet to be committed!
I have been offered a role in New York on an E2 visa. My remuneration will be good (over $100k) so I'm just trying to work out cost of living etc and where we should be looking to live. I'll be coming with spouse and child (under 1) and we'll be looking to live outside of Manhattan - I would think somewhere like Westchester based on nothing more than some research on BE and a few other forums and internet searches etc, maybe Chappaqua...
So I think the monthly commute is c. $311 on the train. Are the trains reliable or do they cancel every other one like Southern Rail in England? Presumably in New York they're more prepared for snow (event the wrong type of snow - anyone remember that line from Southern Rail?!) so a certain amount more reliable?
My proposed company will pay for basic health cover but I would think I will want to 'boost' that to a good level of cover for my family. Is that something that can be done? I have a figure of $1,500 pm in my mind. Is that reasonable?
I would think our weekly shop in London costs £75 - £90, so I guess today that would roughly equivalent to $100 - $122. Is this comparable to what we could expect to spend in Westchester?
For rent I've budgeted about $4000 - $5000 pm. Looking on Zillow this looks about right but please correct me if I'm someway off.
How much does something as mundane as car insurance cost in comparison to UK? I pay £600 a year here for a 4X4.
I've seen a few threads referencing fuel costs so I think I have a good idea on that aspect.
With regard to location advice I'll be working on Park Ave but spouse does not want to be in city or Brooklyn so we're looking north to places like Westchester etc. I'd love some input on other areas you might recommend. Ideally a village-family friendly feel. Perhaps I'm hoping for too much?!
Thanks in advance - I'm sure I've left some things out but I'll add in more if required.
I have been offered a role in New York on an E2 visa. My remuneration will be good (over $100k) so I'm just trying to work out cost of living etc and where we should be looking to live. I'll be coming with spouse and child (under 1) and we'll be looking to live outside of Manhattan - I would think somewhere like Westchester based on nothing more than some research on BE and a few other forums and internet searches etc, maybe Chappaqua...
So I think the monthly commute is c. $311 on the train. Are the trains reliable or do they cancel every other one like Southern Rail in England? Presumably in New York they're more prepared for snow (event the wrong type of snow - anyone remember that line from Southern Rail?!) so a certain amount more reliable?
My proposed company will pay for basic health cover but I would think I will want to 'boost' that to a good level of cover for my family. Is that something that can be done? I have a figure of $1,500 pm in my mind. Is that reasonable?
I would think our weekly shop in London costs £75 - £90, so I guess today that would roughly equivalent to $100 - $122. Is this comparable to what we could expect to spend in Westchester?
For rent I've budgeted about $4000 - $5000 pm. Looking on Zillow this looks about right but please correct me if I'm someway off.
How much does something as mundane as car insurance cost in comparison to UK? I pay £600 a year here for a 4X4.
I've seen a few threads referencing fuel costs so I think I have a good idea on that aspect.
With regard to location advice I'll be working on Park Ave but spouse does not want to be in city or Brooklyn so we're looking north to places like Westchester etc. I'd love some input on other areas you might recommend. Ideally a village-family friendly feel. Perhaps I'm hoping for too much?!
Thanks in advance - I'm sure I've left some things out but I'll add in more if required.
#2
Re: Moving to New York with job offer and visa
How much do you think you will be taking home monthly after federal and NYS taxes, social security, medicare/Medicaid deductions, workman's compensation? Taxes can be lowered by contributing to a 401K plan and to a health savings account or a flex spending account for your healthcare out of pocket costs.
Trains are extremely reliable. The time there is a disturbance is because of weather and that is so infrequent it might only happen once every two or three years, i.e. hurricanes, flooding, blizzard.
Car insurance should be about $1,200 every six months. No annual policies available. Cable television would be from $120 to $200 a month; cost will depend on the package you chose and the options you want, i.e. landline, wireless, tv programs, sports packages, etc.. Choices would be Cablevision of Westchester and if the area is wired with fiber optics, Verizon Cable and the treaded Direct TV. Electric will vary monthly depending on electronics, appliances and the need to run the A/C. That could run you for a large house of 3 to 4 bedrooms up to $350 a month. Then there is the matter of heat? Is it oil? Gas? Electric? For a family of 3 $100-$200 a week is fair. Depends on your preferences but you will find that during the summer months you might be shopping at the local vegetable and fruit stands and many here prefer Trader Joe's and Whole Foods, which I found more expensive than a the local market, but they offer British/Irish and other foreign foods.
Trains are extremely reliable. The time there is a disturbance is because of weather and that is so infrequent it might only happen once every two or three years, i.e. hurricanes, flooding, blizzard.
Car insurance should be about $1,200 every six months. No annual policies available. Cable television would be from $120 to $200 a month; cost will depend on the package you chose and the options you want, i.e. landline, wireless, tv programs, sports packages, etc.. Choices would be Cablevision of Westchester and if the area is wired with fiber optics, Verizon Cable and the treaded Direct TV. Electric will vary monthly depending on electronics, appliances and the need to run the A/C. That could run you for a large house of 3 to 4 bedrooms up to $350 a month. Then there is the matter of heat? Is it oil? Gas? Electric? For a family of 3 $100-$200 a week is fair. Depends on your preferences but you will find that during the summer months you might be shopping at the local vegetable and fruit stands and many here prefer Trader Joe's and Whole Foods, which I found more expensive than a the local market, but they offer British/Irish and other foreign foods.
Last edited by Rete; May 15th 2018 at 3:32 pm.
#3
Re: Moving to New York with job offer and visa
People here think I'm crazy when I go one about how great Metro-North is, compared to my experiences commuting on Southeastern to and from London. There's maybe one or two major MNR disruptions a year. On Southeastern it would be one or two a month.
I'm less familiar with the Harlem line, which is the line Chappaqua is on, but the Hudson line which I use is super reliable.
I'm less familiar with the Harlem line, which is the line Chappaqua is on, but the Hudson line which I use is super reliable.
#4
Re: Moving to New York with job offer and visa
Cable television would be from $120 to $200 a month; cost will depend on the package you chose and the options you want, i.e. landline, wireless, tv programs, sports packages, etc.. Choices would be Cablevision of Westchester and if the area is wired with fiber optics, Verizon Cable and the treaded Direct TV.
Electric will vary monthly depending on electronics, appliances and the need to run the A/C. That could run you for a large house of 3 to 4 bedrooms up to $350 a month. Then there is the matter of heat? Is it oil? Gas? Electric? For a family of 3 $100-$200 a week is fair.
Depends on your preferences but you will find that during the summer months you might be shopping at the local vegetable and fruit stands and many here prefer Trader Joe's and Whole Foods, which I found more expensive than a the local market, but they offer British/Irish and other foreign foods.
#5
Re: Moving to New York with job offer and visa
With regard to location advice I'll be working on Park Ave but spouse does not want to be in city or Brooklyn so we're looking north to places like Westchester etc. I'd love some input on other areas you might recommend. Ideally a village-family friendly feel. Perhaps I'm hoping for too much?!
Thanks in advance - I'm sure I've left some things out but I'll add in more if required.
#6
Re: Moving to New York with job offer and visa
I would think our weekly shop in London costs £75 - £90, so I guess today that would roughly equivalent to $100 - $122. Is this comparable to what we could expect to spend in Westchester?
For rent I've budgeted about $4000 - $5000 pm. Looking on Zillow this looks about right but please correct me if I'm someway off.
#7
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Joined: Apr 2018
Posts: 7
Re: Moving to New York with job offer and visa
Thanks all for the feedback, really useful
#8
Re: Moving to New York with job offer and visa
The one exception to that is Tarrytown, with decent housing within easy walking distance to the Main St / N Broadway shops and restos, the Music Hall, the library and the C-town supermarket.
#9
Re: Moving to New York with job offer and visa
Cable TV / Internet is outrageously expensive compared to the UK. We got a "deal" to stay with Verizon Fios which still costs us about $130 a month, when all taxes and fees (not shown in the sticker price) are factored in. Cellphones are more expensive too; we pay about $100 a month for two lines plus 4GB data, although we often need to go to 8MB data which puts the cost up to $120. (Verizon).
We feel the quality of food in the supermarkets is not as good as in the UK. My wife, who admittedly has high standards as she's from a New England fishing village, won't buy fish from any of the supermarkets but we have found a good supplier at one of the local farmers' markets. You don't have to go to TJ's or WF to get British/Irish stuff: our local Stop'n'Shop in Tarrytown has a small British/Irish section, and our C-Town in Tarrytown has random selections of British tea, biscuits and chocolates mixed in with their regular selection. Plus there are the British shops in the West Village: Myers and Tea and Sympathy. There are also Irish shops in Woodlawn.
Last edited by Rete; May 15th 2018 at 5:58 pm.
#11
Re: Moving to New York with job offer and visa
Of course, after writing about how Metro-North hardly ever has major disruption, today huge thunderstorms and string winds caused a suspension of service in the evening peak! That said, I wasn't more than half an hour late home once service resumed.
#12
Re: Moving to New York with job offer and visa
LOL, i was thinking about this thread and the trains as I sit here in the dark wondering when the power will be restored. Which looks as if it isn’t going to be any time soon.
#13
Re: Moving to New York with job offer and visa
In case this helps... we are in southern Maine in a 3000 square foot house so it's colder here in winter but less hot in summer...
Gas central heating approx $150-200 per month - it went up quite a lot recently - used to go down to $50 a month in summer
Electricity approx $150 per month - we run window AC units in summer
Insurance for 3 vehicles $1200 a year with a $500 deductible (that includes insuring a 16 year old new driver which put it up a couple of hundred per year)
Internet $65 per month - fast enough for me to work from home and we watch all our TV over the internet
Don't have cable but we do have SmartDNS for $5 a month, Hulu for $7 (?) a month, Netflix for $15 a month, Amazon Prime at whatever it is a year now
Cellphones outrageously expensive as we have 3 kids who go through data like water - something like $220 a month for unlimited data for 6 lines
Water about $30 a month, no sewer here (we have a septic tank)
Vonage including a UK phone number $45 a month I think
Bear in mind your health insurance premiums come out of pre-tax income, and if you have a high deductible account you can put up to $6500-ish per year pre-tax income into a health savings account to cover out-of-pocket costs - this rolls over each year.
I'm sure someone will tell me I'm wrong on this, but my experience is that new cars are cheaper than they would be in the UK, but secondhand cars are more expensive.
We don't shop in Wholefoods - we have Hannafords which are excellent. I do get some stuff in Trader Joes occasionally.
Gas central heating approx $150-200 per month - it went up quite a lot recently - used to go down to $50 a month in summer
Electricity approx $150 per month - we run window AC units in summer
Insurance for 3 vehicles $1200 a year with a $500 deductible (that includes insuring a 16 year old new driver which put it up a couple of hundred per year)
Internet $65 per month - fast enough for me to work from home and we watch all our TV over the internet
Don't have cable but we do have SmartDNS for $5 a month, Hulu for $7 (?) a month, Netflix for $15 a month, Amazon Prime at whatever it is a year now
Cellphones outrageously expensive as we have 3 kids who go through data like water - something like $220 a month for unlimited data for 6 lines
Water about $30 a month, no sewer here (we have a septic tank)
Vonage including a UK phone number $45 a month I think
Bear in mind your health insurance premiums come out of pre-tax income, and if you have a high deductible account you can put up to $6500-ish per year pre-tax income into a health savings account to cover out-of-pocket costs - this rolls over each year.
I'm sure someone will tell me I'm wrong on this, but my experience is that new cars are cheaper than they would be in the UK, but secondhand cars are more expensive.
We don't shop in Wholefoods - we have Hannafords which are excellent. I do get some stuff in Trader Joes occasionally.
Last edited by kins; May 16th 2018 at 2:49 am.
#14
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Joined: Sep 2017
Posts: 23
Re: Moving to New York with job offer and visa
Hey OP,
So, exciting times - i’ve just made this move and it’s hard work, but worth it. A couple of hopefully useful thoughts.
In the city (Manhattan) landlords have a pretty hard rule that you need to be earning 40x your annual rent. So, if that rules applies in the areaa you’re looking at (I have no idea if it does) then you’d be limited to about $2,500 a month based on a $100k gross salary. I was asked to provide evidence of income at every stage of the process.
Also, and i’m sure others have said this, as you won’t have any credit history here you’ll have to put down extra security. Generally this is two months rent, we had to put down three. Worth asking your employer if they will loan you that - it’s very common.
Finally, tax, tax, tax. It’s hard to know what you will *actually* earn until you sit down with a tax advisor - as a guide from me, my take home is 64% of my gross salary, and I probably have less taken out than you (way less for healthcare for example, I don’t have kids and have a good company plan, so it’s only $300 per month). So please ask your company if they will pay for tax advice for you *now*.
Enjoy! It’s hard work making this move, but also amazing fun.
So, exciting times - i’ve just made this move and it’s hard work, but worth it. A couple of hopefully useful thoughts.
In the city (Manhattan) landlords have a pretty hard rule that you need to be earning 40x your annual rent. So, if that rules applies in the areaa you’re looking at (I have no idea if it does) then you’d be limited to about $2,500 a month based on a $100k gross salary. I was asked to provide evidence of income at every stage of the process.
Also, and i’m sure others have said this, as you won’t have any credit history here you’ll have to put down extra security. Generally this is two months rent, we had to put down three. Worth asking your employer if they will loan you that - it’s very common.
Finally, tax, tax, tax. It’s hard to know what you will *actually* earn until you sit down with a tax advisor - as a guide from me, my take home is 64% of my gross salary, and I probably have less taken out than you (way less for healthcare for example, I don’t have kids and have a good company plan, so it’s only $300 per month). So please ask your company if they will pay for tax advice for you *now*.
Enjoy! It’s hard work making this move, but also amazing fun.
#15
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Joined: Apr 2018
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Re: Moving to New York with job offer and visa
Thanks Arathe, that's really useful. That 40X salary stuff is the first time I've heard of anything like that - that's crazy! Hopefully if not in Manhattan up in Westchester they won't be insisting on this, anyone know? My actual salary is way lower than stated - heavily reliant on commission but should end up quite a bit over $100k.
Is Zillow the best/only place to be looking for rentals?
Re tax I had a look on the website smartasset.com and it looks pretty much in-line with what you're saying - around 60 - 65% take home.
Is Zillow the best/only place to be looking for rentals?
Re tax I had a look on the website smartasset.com and it looks pretty much in-line with what you're saying - around 60 - 65% take home.