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The monthly cost of a $150K mortgage will vary depending on the type of loan, the interest rate, and the length of the loan. Mortgage loan terms are typically either 15 years or 30 years. The monthly payments for a 15-year loan are significantly higher than those for a 30-year loan, however the lifetime cost of a shorter loan term is usually lower because, overall, you will pay less interest.

There are also additional costs to consider, such as private mortgage insurance (PMI) charged on some loans, condo or HOA fees, and any hazard insurance that may be required because of the location of the home. Here’s a look at how much a $150,000 mortgage might cost per month for a 15-year and 30-year loan term.

Total Cost of a $150K Mortgage

A $150,000 30-year mortgage with a 6% interest rate costs around $900 a month. The same loan over 15 years costs around $1,266 a month. However, these are just estimates; the exact costs will depend on your loan’s term and other “hidden” costs.

The monthly payment includes the principal and interest, but additional possible line items are escrow, taxes, and insurance. There are also upfront costs, or closing costs, that are paid when the purchase is initially finalized.

Upfront Costs

Upfront costs are the costs you pay once your offer on a home has been accepted. They are typically called closing costs, and some of them might be covered by your down payment.

Earnest Money

Also known as a good faith deposit, this is the amount you put down to show the seller you are serious about buying their property. This will differ based on the price of the home.

Down Payment

Your down payment will likely be the biggest upfront cost you will have. The amount will vary depending on your lender, but typically it will be between 3% and 20% of the cost of the house. The more you can afford as a down payment, the lower your total loan will be, and the less you will have to pay each month in principal and interest. The following are the typical minimum down payments for the various types of home loans:

•   Conventional loan with mortgage insurance: 3%

•   Conventional loan without mortgage insurance: 20%

•   Federal Housing Administration loan: 3.5%

•   Veteran Affairs loan: 0%

•   U.S. Department of Agriculture loan: 0%

Closing Costs

The lender that makes your home mortgage loan will charge administration fees, including the origination fee, underwriting fees, and application fees. You can also expect to pay taxes associated with transferring the title on the property, and you may need to pay for the cost of the home’s appraisal at the closing as well.

Bear in mind that your mortgage lender may want to see that you have enough money in your bank account to pay for at least two months of mortgage payments after paying closing costs and the down payment. This amount is called “reserves.” It’s not something that you will have to pay, but it is an amount you may need to show will be available to you after you have paid other expenses.

Long-Term Costs

The biggest long-term cost of buying a home is usually the monthly mortgage payment, which includes a portion of the principal (the amount you borrowed) plus the interest. Here are some other costs you can expect:

Property Taxes

The seller or their real estate agent should be able to give you a sense of what the annual property taxes will be on your new home, although taxes may change annually.

💡 Quick Tip: Thinking of using a mortgage broker? That person will try to help you save money by finding the best loan offers you are eligible for. But if you deal directly with an online mortgage lender, you won’t have to pay a mortgage broker’s commission, which is usually based on the mortgage amount.

HOA, Condo, or Co-op Fees

Some homes are part of a condominium association, a co-op, or a Homeowners Association (HOA). Homeowners pay a monthly fee and receive benefits, such as grounds maintenance, use of a community center, or snow removal. These fees can range anywhere from $100 to $1,000 a month, depending on the association and location.

Home Upkeep

Home repair costs are highly variable but as a general rule you can expect to pay out around 1% of the home’s value each year for routine maintenance.

Insurance

You will of course need to insure your new home and its contents. You might also need to purchase hazard insurance if your area is at high risk for floods, earthquakes, wildfires, severe storms, or other natural disasters. The cost of hazard insurance can be between 0.25% to 0.33% of the home’s value for a year-long policy.

If you paid a smaller down payment, your mortgage lender may also require you to pay monthly private mortgage insurance (PMI) because you are considered a higher risk.

Estimated Monthly Payments on a $150K Mortgage

The table below shows the estimated monthly payments for a $150,000 mortgage loan for both a 15-year and a 30-year loan with interest rates varying from 4% to 8%.

Interest rate	15-year term	30-year term
4%	$1,110	$716
4.5%	$1,147	$760
5%	$1,186.19	$805.23
5.50%	$1,226	$852
6.00%	$1,266	$899
6.50%	$1,307	$948
7.00%	$1,348	$998
7.50%	$1,390	$1,049
8.00%	$1,433	$1,101

How Much Interest Is Accrued on a $150K Mortgage?

The amount of interest you pay on a $150,000 mortgage will depend on the length of the loan and the interest rate. For a 15-year loan with a 6% interest rate, the interest would amount to around $77,841 over the life of the loan. For a 30-year loan with a 6% interest rate, the interest would amount to $173,757, which is more than double.

$150K Mortgage Amortization Breakdown

An amortization schedule for a mortgage loan tells you when your last payment will be. It also shows you how much of your monthly payment goes toward paying off the principal and how much goes toward paying off the interest. Most of your payment will be used to pay off the interest early on in the loan term.

Below is the mortgage amortization breakdown for a $150,000 mortgage with a 6% interest rate for a 30-year loan.

Year	Beginning balance	Interest paid	Principal paid	Ending balance
1	$150,000	$7,159.91	$1,473.61	$118,526.39
2	$118,526.39	$7,069.02	$1,564.50	$116,961.88
3	$116,961.88	$6,972.53	$1,661.00	$115,300.88
4	$115,300.88	$6,870.08	$1,763.45	$113,537.44
5	$113,537.44	$6,761.32	$1,872.21	$111,665.23
6	$111,665.23	$6,645.84	$1,987.68	$109,677.54
7	$109,677.54	$6,523.25	$2,110.28	$107,567.26
8	$107,567.26	$6,393.09	$2,240.44	$105,326.83
9	$105,326.83	$6,254.90	$2,378.62	$102,948.20
10	$102,948.20	$6,108.20	$2,525.33	$100,422.87
11	$100,422.87	$5,952.44	$2,681.09	$97,741.78
12	$97,741.78	$5,787.08	$2,846.45	$94,895.33
13	$94,895.33	$5,611.51	$3,022.02	$91,873.31
14	$91,873.31	$5,425.12	$3,208.41	$88,664.91
15	$88,664.91	$5,227.23	$3,406.29	$85,258.61
16	$85,258.61	$5,017.14	$3,616.39	$81,642.23
17	$81,642.23	$4,794.09	$3,839.44	$77,802.79
18	$77,802.79	$4,557.28	$4,076.25	$73,726.54
19	$73,726.54	$4,305.87	$4,327.66	$69,398.88
20	$69,398.88	$4,038.95	$4,594.58	$64,804.30
21	$64,804.30	$3,755.56	$4,877.96	$59,926.34
22	$59,926.34	$3,454.70	$5,178.83	$54,747.51
23	$54,747.51	$3,135.28	$5,498.24	$49,249.27
24	$49,249.27	$2,796.16	$5,837.36	$43,411.90
25	$43,411.90	$2,436.13	$6,197.40	$37,214.50
26	$37,214.50	$2,053.89	$6,579.64	$30,634.86
27	$30,634.86	$1,648.07	$6,985.46	$23,649.40
28	$23,649.40	$1,217.22	$7,416.31	$16,233.09
29	$16,233.09	$759.80	$7,873.73	$8,359.36
30	$8,359.36	$274.16	$8,359.36	$0.00

SoFi offers a mortgage calculator that shows the amortization of a property of any value and for any down payment or interest rate.

💡 Quick Tip: There are two basic types of mortgage refinancing: cash-out and rate-and-term. A cash-out refinance loan means getting a larger loan than what you currently owe, while a rate-and-term refinance replaces your existing mortgage with a new one with different terms.

What Is Required to Get a $150K Mortgage?

Getting any mortgage usually requires both an adequate income and a large enough down payment. This home affordability calculator shows you how much of a mortgage you can afford based on your gross annual income, your monthly spending, your down payment, and the interest rate.

The Takeaway

The payments on a $150,000 mortgage will depend on the term of the loan and the interest rate. As a general rule, the shorter the term of the loan, the less interest you will pay over its lifespan.

In addition to your $150,000 mortgage payment, you can also expect to pay upfront closing costs and additional costs over the years that you are a homeowner. SoFi’s home loan help center has information and calculators that can help you decide how much of a mortgage you can afford considering the upfront and hidden costs. There are special considerations — and special mortgage assistance programs — if you are a first-time buyer.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

What will monthly payments be for a $150K mortgage?

Your monthly payment for a $150,000 mortgage will depend on the interest rate and the term of the loan. The payment for a $150,000 30-year mortgage with a 6% interest rate is approximately $900. The same loan over 15 years costs $1,266 each month.

How much do I need to earn to afford a $150K mortgage loan?

Assuming you go with a 30-year mortgage at an interest rate of 6%, you would need to earn about $50,000 a year in order to cover your mortgage plus insurance and property taxes. (As a general rule, lenders recommend these costs not exceed 28% of your gross earnings.)

How much down payment is required for a $150K mortgage loan?

The down payment you are expected to pay on a home depends on the lender. The more you pay upfront, the lower your loan amount and the lower your payments will be. Conventional wisdom says your down payment should be 20%. Some lenders will accept a down payment as low as 3%, but you may have to purchase private mortgage insurance.

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Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility for more information.

*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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If you’re looking for an action-packed family vacation, look no further than the birthplace of country music, Nashville, Tennessee. Not only is Nashville a major center for music events and performances, the city is increasingly known as a cultural hub with tons of restaurants, architecture, and museums.

We rounded up our favorite things to do in Nashville at every price point.

Best Times to Go to Nashville

Nashville has plenty going on year round. But if you want to enjoy that famous sunny Southern weather, plan your trip between April and October. Just know that the summer months can see temperatures in the 90s.

If you’re looking to save money on your trip, go off-season between November and March. Because there are fewer tourists, many hotels and attractions offer discount rates.

Here are a few seasonal highlights to help you schedule your visit:

•  March/April: Tin Pan South, a songwriter’s festival

•  April: Cherry Blossom Festival

•  May: Iroquois Steeplechase horse racing

•  August: Tennessee State Fair

•  October: Southern Festival of Books

•  December: Gaylord Opryland’s A Country Christmas

Hotels can fill up for these events, so plan your trip as far out as possible.

Recommended: The Best Time to Book Fall Travel

Bad Times to Go to Nashville

So are there any bad times for your Nashville trip? It depends on what you’re looking for in a vacation. If you hate crowds or heat, stay clear in the summer. And if you want to visit when everything is green and beautiful, winter might not be the ideal time. Nashville winters are mild but still chilly enough to make walking around the city uncomfortable for some.

Consider planning your visit for a week when “nothing” is going on. You’ll still find plenty of live music (of all genres, not just country), and nationally renowned restaurants.

10 Fun Must-Dos in Nashville

You’ve got almost endless options for things to do, see, hear, and eat in Nashville, and narrowing them all down can be tricky. But here’s one frequent visitor’s highly personal take on the best of the best.

1. Nashville Zoo

This zoological garden and historic plantation farmhouse is one of the top attractions in the state. Located 6 miles from downtown, the zoo houses more than 6,000 animals of several hundred species, including Andean bears, Madagascar fanalokas, and red pandas. Kids will enjoy the 20 animatronic dinosaurs that hiss and spit. Advance tickets required. Adults & teens $23, children 2-12 $19. NashvilleZoo.org/

2. Tennessee State Museum

The Tennessee State Museum aims to educate visitors about the social, political, economic, and cultural history of Tennessee through permanent and changing exhibits, events, and tours. While the museum has plenty for kids of all ages (and is free to all visitors), its Children’s Gallery is designed for ages three to eight to learn about Tennessee history in a hands-on environment. Tue-Sat 10am-5pm, Sun 1-5pm. Free. TNMuseum.org

3. Opry House Tour

For the traveler who loves country music, there’s no better place to visit than the Grand Ole Opry House. There are several themed tours — including Backstage and Women of Country — that explore the history of this iconic venue and the singers who have graced its stage. Tours every 15 mins 9:30am-4pm. Adults from $30. Opry.com/tours

4. Hop On Hop Off Nashville Tours

A great way to see the city with teens is a Hop On, Hop Off bus ride. Live guides give running commentary about the sights and history of Nashville, and you can jump off the bus to explore, then rejoin the next tour, as you like. Helpful maps direct passengers to the various sites at each stop. The Old Town tour has 13 stops and the most frequent service, while the Soul of Music tour includes stories about the music scene, original songs from diverse genres, and recommendations on the latest hot spots. 9:30am-4pm daily. From $43. TrolleyTours.com/nashville/hop-on-hop-off

5. Andrew Jackson’s Hermitage

The Hermitage is the former home of President Andrew Jackson and his family. On your visit, you can explore his home, garden, and historic buildings, as well as learn the history of the property, Jackson, and the era he lived there. There is also the Natchez Hills Winery at Andrew Jackson’s Hermitage onsite if you fancy an after-tour adult beverage. 9am-6pm daily. Adults $27, kids (5-12) $17. TheHermitage.com

6. Belle Meade History Site & Winery

Belle Meade is a beautiful example of plantation life in Tennessee. Take a tour of the gorgeous grounds or attend a food and wine pairing at the winery. You can also uncover stories of the slaves who were brought to or born at the plantation from 1807 through the years following Emancipation. 9am-5pm daily. Admission $28+ VisitBelleMeade.com/

7. Country Music Hall of Fame

Patsy Cline. Brooks & Dunn. Reba McEntire. Every country musician you know and love can be found in the Country Music Hall of Fame. Learn the stories behind the music, see iconic costumes worn by musicians, and view historical exhibits in the museum. The “Experience It All” tour (adults $72) includes tours of the Hall of Fame admission, an 1800s letterpress print shop, and RCA Studio B, where Elvis, Dolly, and Waylon recorded their hits. 9am-5pm daily. Adults $28+, kids (5-12) $18+. CountryMusicHallofFame.org/

8. Johnny Cash Museum

From goth teens to grandpas, everyone loves the Man in Black. And the Johnny Cash Museum is not your average tourist spot — USA Today named it the nation’s best music museum in 2023. Here you’ll find the largest collection of Johnny Cash memorabilia. If you’re hungry after your visit, stop by Johnny Cash’s Bar & BBQ for food and music. 9am-7pm daily. Adults $26, kids (6-15) $22. JohnnyCashMuseum.com

9. Nashville Food Scene

In-the-know visitors believe Nashville has surpassed New York City as the country’s foodie capitol. The site Eater lists not 10, but 38 essential Nashville restaurants, covering everything from southern barbecue to vegan cuisine, Parisian-style riverside cafes to recreations of an Appalachian grandmother’s home and meals. You’ll also find fabulous cooking classes, pop-ups, and speakeasies serving craft cocktails. Nashville.Eater.com

10. Explore Nashville Neighborhoods

Nashville has several distinctive neighborhoods that are worth a stroll. The Music Row / Demonbreun / Edgehill neighborhood is the heart of music culture in the city. You can also explore 12South, where you’ll find coffee shops, bakeries, and vintage stores. Or dive into the honky tonk scene downtown, where great restaurants, historic buildings, and galleries abound.

The Takeaway

Your trip to Nashville is going to be action-packed and fun for everyone. Get your bearings with a hop on, hop off trolley tour. Hit the Grand Ole Opry, Johnny Cash Museum (named the best music museum in the country by USA Today), and the historical tours at the Country Music Hall of Fame. And leave room for incredible meals at a few of the countless world-class restaurants.

SoFi Travel is a new service offered exclusively to SoFi members. Earn 2x rewards when booking with your SoFi Mastercard or debit card. Then apply those rewards to your next trip when you book through our travel portal. SoFi makes planning a getaway fast, easy, and convenient — perfect for people on the move.

SoFi, your one-stop shop for travel.

FAQ

What are things to do in Nashville for music lovers?

In addition to attractions like the Grand Ole Opry, the Country Music Hall of Fame Museum, and the Johnny Cash Museum, there are loads of live music events every week in Nashville.

How long should I stay in Nashville?

With so much to see in Nashville, you could stay up to five days. Allow at least a minimum of three days to enjoy the city.

What are things to do for kids in Nashville?

There’s plenty for kids of all ages to enjoy in Nashville, including the Nashville Zoo, Grand Ole Opry, and Hop On, Hop Off tours.

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Photo credit: iStock/Sean Pavone

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.

Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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Considering a trip to the Crescent City? Many say visiting New Orleans is like traveling to another country. There’s so much to explore in terms of culture, food, music, and fun.

Let’s look at things to do in New Orleans, as well as the best time to visit.

Best Times to Go to New Orleans

New Orleans is temperate year-round, with winter rarely dipping below the 60s during the day, and summers topping out in the 90s. That means even the winter offers a great opportunity to explore the many fun things to do in New Orleans without freezing on your vacation.

If you’re looking for action, consider going during Mardi Gras season. Mardi Gras is a different date every year, but usually falls in February or March, and the celebrations start weeks before. You’ll find both parades and events for tourists in the French Quarter, as well as smaller family-friendly parades outside the tourist area.

Here are just a few of the events hosted each year in NOLA (New Orleans + LA, for Louisiana):

•  March: New Orleans Book Festival

•  April: French Quarter Festival

•  April/May: Jazz Fest

•  June: Creole Tomato Festival

•  June/July: Essence Festival

•  October: Oktoberfest

•  November: Bayou Bacchanal

•  December: Christmas Eve Bonfires on the Levee

Learn how to find travel deals before your trip.

Bad Times to Go to New Orleans

While New Orleans parties all year round, beware the humidity. From May to September, the city can be muggy — which isn’t ideal if you’re planning many outdoor activities.

Hate crowds? You may prefer not to visit during major events like Mardi Gras or Jazz Fest. Prices tend to be higher during these peak seasons, too.

One tip for family travel is to go off-season: You may find more deals from September to April. Hot tip: Halloween brings many costumed revelers, but doesn’t get too crazy.

10 Fun Must-Dos in New Orleans

This roundup of the best things to do is based on this writer’s 20 years of visiting the Big Easy.

1. The French Quarter

If you haven’t been to the French Quarter, have you really been to New Orleans? This historic district, founded in 1718, is a great place to walk, explore, dine, and enjoy local music and culture. Many find the Quarter reminiscent of France, with its quaint buildings adorned with elaborate wrought iron railings. In fact, New Orleans is sometimes known as the Paris of the South. NewOrleans.com/plan/neighborhoods/french-quarter/

Recommended: 6 Souvenirs You Won’t Regret Buying (and 5 You Might)

2. Cafe du Monde

While you’re in the French Quarter, stop at the iconic Cafe du Monde, famous since 1862 for its beignets, fried squares of dough covered in powdered sugar. Just don’t wear white, because getting the sugar all over you is half of the fun! Adults can partake of its equally renowned chicory coffee, while kids enjoy chocolate milk. Open 24/7. Shop.cafedumonde.com/

3. Music on Frenchmen Street

If you’re looking for fun things to do in New Orleans for couples, an evening on Frenchmen Street is a must. This neighborhood on the edge of the French Quarter is home to jazz clubs like The Spotted Cat and Snug Harbor. You’ll also find great options for drinks and dinner. NewOrleans.com/plan/streets/frenchmen-street/

Recommended: What to Do if You Lose Your Wallet While Traveling

4. The French Market

The historic French Market has been around since 1791, and now houses restaurants, shops offering local flavors and gifts, and open-air markets. It’s also home to many annual events, like the Creole Tomato Festival. 10am-6pm daily. FrenchMarket.org

5. Music at Preservation Hall

One of the top things to do in New Orleans for jazz lovers is to hear music at Preservation Hall. The Hall, which has been the backdrop to some of the biggest names in jazz, offers music 350 days a year. Arrive early; the space is small, and seating is limited. Tickets from $25 standing, $40 seated. Preservationhall.com

6. Mardi Gras World

Curious about what goes into building the world-famous Mardi Gras floats of New Orleans? Mardi Gras World provides a behind-the-scenes look at how these floats are made. You can see actual artists busy at work on float features for next year’s parades. Tours every 30 mins 9:30am-4pm. Adults $22. Kids $14. MardiGrasWorld.com

Recommended: Responsible Tourism: 8 Ways Travelers Can Support the Local Community

7. Mulate’s Cajun Restaurant

If you want a taste of local cuisine and the chance to attend a fais-do-do (Cajun dance party), Mulate’s Cajun Restaurant is the place to go. The restaurant features Creole and Cajun classics like grilled oysters, jambalaya, and gumbo. Most nights, a zydeco band plays, and locals and visitors alike get the chance to cut a rug on the spacious dance floor. Mulates.com/

8. Steamboat Natchez

See New Orleans from a different perspective by taking a trip on the Steamboat Natchez. You can take a daytime or dinner jazz cruise on this last authentic steamboat on the Mississippi River. Tickets from $39. SteamboatNatchez.com

9. New Orleans Museum of Art

Art lovers will enjoy a few hours in the New Orleans Museum of Art, where you’ll find permanent and rotating exhibits of modern and historic art, as well as a beautiful sculpture garden. Tue–Sun 10am–5pm; Wed 12pm–7pm. Adults $15; kids and teens free. NOMA.org

10. New Orleans Historic Voodoo Museum

New Orleans is known for its darker side. If that appeals, you won’t want to miss a trip to the Voodoo Museum. Here you’ll discover the secrets, rituals, and traditions of voodoo practitioners, past and present. There is also an optional walking tour that includes Congo Square and Marie Laveau’s house. 11am-7pm daily. VoodooMuseum.com

The Takeaway

With so much to see, do, and eat in New Orleans, the challenge will be fitting it all in during your vacation! Music is a big part of city culture, so don’t miss a live performance at Preservation Hall or one of the many jazz clubs on Frenchmen Street. If you’re feeling daring, check out the Voodoo Museum. Or just relax with beignets and chicory coffee at Cafe du Monde and watch the crowds go by.

SoFi Travel is a new service exclusively for SoFi members. Through a partnership with Expedia, we make it easy to find the lowest rates and book your reservations — for flights, hotel rooms, car rentals, and more — all in one place. Earn 2x rewards when booking with your SoFi Mastercard or debit card. And when you redeem your SoFi rewards for travel, you get a 25% bonus: $100 of reward points are worth $125.

Wherever you’re going, get there with SoFi Travel.

FAQ

What is the most popular thing to do in New Orleans?

The historic French Quarter is by far the most popular area of the city for visitors. There, you can find museums, music events, and restaurants offering Creole and Cajun cuisine.

What are popular events in New Orleans?

Mardi Gras and Jazz Fest are two of the largest annual events held in New Orleans, drawing thousands of visitors from around the globe.

How many days should I spend in New Orleans?

While you could easily spend five to seven days in the Crescent City, plan for at least three to four to see as much as possible.

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Photo credit: iStock/Kruck20

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.

Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

Non affiliation: SoFi isn’t affiliated with any of the companies highlighted in this article.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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While Orlando may be known as Mickey Mouse’s home, it’s got a lot more to offer. For foodies, there are hip and delicious restaurants. For nature lovers, there are more than 100 lakes in Orlando. And for kids, there are museums and hands-on activities. When it comes to things to do in Orlando, there’s something for everyone.

But because Orlando is so popular, it’s worthwhile to take some time and plan your trip to get the most out of it. There may be thousands and thousands of people there when you are, all looking for the best attractions in Orlando.

Here’s some help: a list of 10 fun things to do when at this magical Florida destination (some obvious, some off-the-beaten path), plus planning tips to help you have a great vacation.

Best Times to Go to Orlando

Weatherwise, Orlando is fairly mild year-round. Winters rarely dip below the 70s, and summers top out in the low 90s (though humidity can be an issue), making almost any time a great time to visit Orlando.

If you decide to travel off-season (September through April, when most kids are in school), you may be able to find travel deals, since there are fewer people traveling, and hotels and attractions may offer discounts.

If you’re looking to plan your Orlando trip around an event, there are plenty to choose from, including the following:

•  February to April: Universal’s Mardi Gras: International Flavors of Carnaval

•  March: Central Florida Fair

•  March to July: EPCOT International Flower & Garden Festival

•  September: The International Food and Drink Festival

•  October: Halloween Horror Nights at Universal

•  December: ICE! at Gaylord Palms

Bad Times to Go to Orlando

Are there any times you shouldn’t plan your Orlando trip? If you plan to enjoy many outdoor activities, you might avoid visiting in the summer, since it can get pretty humid.

Also know that the usual school holidays and breaks will likely bring crowds to the area, making it take longer to see the sights and perhaps dealing with lack of availability of lodging, tickets, and so forth.

Recommended: How to Save Money for a Trip

Average Cost of a Vacation to Orlando

You’ll want to plan ahead for your Orlando trip, so knowing the costs can be helpful.

For a couple who wants to spend a week in Orlando, the average cost is $4,082. For a single visitor, the costs are about $2,273. Of course, the exact figure will depend on what attractions you see, where you stay, and how much you spend on dining and food.

Orlando hotels range from $60 to $305 a night, averaging $104. However, by doing your research, using points, and other smart moves, you may be able to save money on hotels.

In addition, you will need to get to Orlando. Many people come from all over the country (even the world) by plane to visit the city. If you are among them, research some travel hacks to get cheap flights to this travel hub.

10 Fun Must-Dos in Orlando

Whether you are traveling solo, with a partner, or with your family, you’ve got many options for activities and events. Here are some of the best things to do in Orlando, based on residents’ advice, tips from frequent visitors, and the best-rated attractions on online review sites.

1. Get Giddy at a Theme Park

One of the top things to do in Orlando is visit one of its many theme parks. You may have heard of Walt Disney World (disneyworld.com/), but did you realize it consists of four parks? You could spend days at Animal Kingdom, EPCOT, Hollywood Studios, and Magic Kingdom.

Not to be outdone by Disney, there is also Universal Orlando Resort (universalorlando.com/), which contains The Wizarding World of Harry Potter, as well as Universal’s Islands of Adventure. Orlando also has a SeaWorld theme park (seaworld.com/orlando/), for those aquatic animal lovers.

Going to the parks can be pricey: One day at Disney World will cost anywhere from $109 to $189 for ages 10 and up; tickets to Universal also start at $109 per day; and SeaWorld tickets can be found for $57.99 to $134.99 a day, depending on promotions at the time you visit.

Yes, admission is pricey, but if you swipe or tap your plastic, you could earn credit card rewards when paying for them.

2. Pitstop Along International Drive

Near both Disney and Universal theme parks, you’ll find International Drive, an area full of things to do, places to shop, and restaurants to dine in. You can also drop into family-friendly museums like Madame Tussauds, WonderWorks, and Ripley’s Believe it or Not! internationaldriveorlando.com/

3. Shop the Outlet Stores

On International Drive, you’ll find the Orlando International Premium Outlets, which attract visitors from all around the world. Shop brands like Adidas, Armani, Coach, Lacoste, and more, all at steep discounts.
https://www.premiumoutlets.com/outlet/orlando-international

4. Stroll Through Lake Eola Park

If you want to experience the quieter side of Orlando, head downtown to the picturesque Lake Eola Park. In the center of the lake is a fountain, surrounded by swan-shaped paddle boats you can rent.

In the park, you can attend a musical event, theatrical performance, or movie at the Walt Disney Amphitheater, let the kids play on the playground, or enjoy the flora and fauna. Open from 6 am to 11:59 pm daily, Lake Eola Park is a fun free thing to do in Orlando, and it can be a way that families can afford to travel.

Also, if you’re traveling with a pet, it can be a top destination. Leashed dogs are welcome. orlando.gov/Parks-the-Environment/Directory/Lake-Eola-Park

5. Spend Time at Thornton Park District

Among the fun things to do in Orlando for couples: spending a few hours in Thornton Park District. Dubbed “downtown for grownups,” this neighborhood just steps away from Lake Eola offers fine dining, boutique shopping, and events like Washington Street Night Market. thorntonparkdistrict.com/

6. Be Amazed by Science

For science lovers of all ages, Orlando Science Center offers a wealth of exhibits and events over four floors, with giant-screen and 3D movies available too. Kids will love the Spark STEM Fest, while adults may prefer events like the Science of Wine. Admission is $24 for adults; $18 for kids ages 2 to 11. The museum is typically open Thursday through Tuesday, 10 am to 5 pm. osc.org/

7. Go to Gatorland

Just a short drive north from downtown Orlando, let out your inner beast at Gatorland. This animal park features 2,000 American alligators (making it “The Alligator Capital of the World!”) as well as other animals like capybaras, wildcats, birds, snakes, and more.

Admission is typically $22.99 for kids ages 3 to 12, and $32.99 for guests 32.99 and up. Gatorland is usually open daily from 10 am to 6 pm. gatorland.com/

8. Soak up Some Fine Art

For art lovers, the Orlando Museum of Art is a must-see. The museum hosts a well-rounded collection of American art, African art, art from the ancient Americas, contemporary art (including works by Robert Rauschenberg, Kerry James Marshall, Jennifer Bartlett, and Nick Cave), and more.

Admission is $20 for adults; $8 for kids ages 6 to 17. The museum is typically open Tuesday through Friday, 10 am to 4 pm, and from 12 pm to 4 pm on Saturdays and Sundays. omart.org/

9. Stroll Through Gorgeous Gardens

Nothing is nicer on a beautiful Florida day than a stroll through Harry P. Leu Gardens. This 50-acre botanical oasis boasts azaleas, bamboo, bromeliads, magnolias, tropical plants, and more, plus a beautiful rose garden, perfect for snapping selfies.

You’ll also find art in the gardens: the Garden House Welcome Center displays both permanent and rotating exhibitions of local and international artists. Open daily from 9 am to 5 pm (last admission at 4 pm), the garden charges $15 admission for adults, and $10 for kids ages 4 to 17. leugardens.org/

10. Marvel at the Manatees

Winter is the ideal time to see these gentle giants that enjoy the 72-degree weather of Blue Spring State Park. Recent records report more than 700 manatees passing through the park.

Make a day of it and take a hike, take a guided river boat cruise, or kayak through the park. Florida’s parks are typically open from 8 am to sunset, and, because visiting a park is typically free, this can be a great idea for frugal travelers. floridastateparks.org/parks-and-trails/blue-spring-state-park

The Takeaway

As you can see, there are so many things to do in Orlando, whether you’re visiting with kids, friends, or a partner.

SoFi Travel is a new service exclusively for SoFi members. Through a partnership with Expedia, we make it easy to find the lowest rates and book your reservations — for flights, hotel rooms, car rentals, and more — all in one place. Earn 2x rewards when booking with your SoFi Mastercard or debit card. And when you redeem your SoFi rewards for travel, you get a 25% bonus: $100 of reward points are worth $125.

Wherever you’re going, get there with SoFi Travel.

FAQ

What theme parks are in Orlando?

Under the Disney brand, you’ll find Animal Kingdom, EPCOT, Hollywood Studios, and Magic Kingdom. There is also Universal Orlando Resort, Universal’s Islands of Adventure, and SeaWorld.

What are free things to do in Orlando?

Enjoy a walk around Eola Park downtown, visit CityWalk at Universal, or head to nearby beaches, all of which are free activities in or near Orlando, Florida.

How many days should I spend in Orlando?

If you plan to only visit theme parks, three days may be enough for an Orlando vacation. If you’d also like to explore the city, aim for five days.

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Photo credit: iStock/VisionsbyAtlee

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.

Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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Richmond is one of the most historically significant cities in the United States, but it is also home to a thriving food, music, and arts scene. Whether you’re visiting for work or pleasure, you’ll find plenty of things to do while you’re in Virginia’s capital. History buffs, artists, and foodies all agree Richmond (or RVA, as it’s commonly called) is a special place.

Find out when you should visit, how much you can expect to spend each day on food and lodging, and start planning fun things to do while you’re in RVA. The following list of top 10 fun things to do in Richmond, VA, will get your started planning your trip.

Best Times to Go to Richmond, VA

Richmond is at its most pleasant in spring and fall. Not only is the weather consistently warm during these months, but you’ll also be more likely to hear outdoor music and find food trucks parked throughout the city.

If you’re researching how to save money for a trip, the good news is that the best times to visit Richmond don’t coincide with peak tourist dates, which are typically during the summer months, when many festivals occur, such as the Iron Blossom Festival (music) and Smoke and Vine Festival (wine and cigars).

Bad Times to Go to Richmond, VA

In July and August, temperatures are routinely in the 90s, if not higher. With humidity on top of the heat, it can be a difficult place to enjoy in the height of summer.

Compared to other areas in the U.S., Richmond has pretty mild winters, but January and December can be both cold and damp. While it doesn’t snow too often in Virginia’s capital, early winter may not be the best time to visit, either.

Recommended: Credit Card Miles vs Cash Back

Average Cost of a Richmond, VA, Vacation

Budget Your Trip estimates that the average daily cost for a hotel in Richmond is $161 a night, though you might find ways to save money on hotels and get a lower rate. Visitors should expect to spend around $17 per person per meal.

In total, this means visitors should expect to spend the following amounts if visiting Richmond for a week:

•  $357 on food for one person

•  $714 on food for two people

•  $1,128 per person for one week

•  $2,256 for a couple for one week

However, these are just averages. You may be able to save even more by finding travel deals.

In addition, you will need to budget for your travel to and from Richmond. That might mean filling up your car’s gas tank, or it could mean finding cheap flights.

Lastly, you may want to budget for travel insurance. Credit card travel insurance may be available, or you might want to buy a separate policy as a bit of security if anything were to go awry.

10 Fun Things You Must Do in Richmond, VA

How, for the top 10 fun things to do in Richmond, VA: This list was culled from savvy travelers, RVA residents, and top-rated attractions on online review sites.

1. Take a Walk in the Park

Looking for free things to do in Richmond, VA? Put Maymont on your list. As New York has Central Park, Richmond has Maymont. This 100-acre park is part zoo, part garden, part meandering trails, but is 100% the heart of Richmond. It’s easy to spend a few hours or even all day there.

Traveling with pets? Sorry: With bears, foxes, goats, and other animal inhabitants in the park, you can’t take your dog.

Try visiting the Italian garden in the spring or the Japanese garden in the fall (you’ll take more than a few pictures of the Japanese maples). If you’re lucky, the waterfall will be flowing while you’re visiting. If so, bring a book and soak up the views. The grounds are open daily from 10 am to 7 pm, with a $5 suggested admission. maymont.org/

2. See an 18th-Century Church

In the heart of what is known as Church Hill is St. John’s Church. Built in 1741, it’s an established historic landmark and is famous for being the place Patrick Henry proclaimed, “Give me liberty or give me death!” Time your visit right, and you may get to see a reenactment of that very speech. Tickets (approximately $15 each) to sit and watch the reenactments are available online in advance.

Once done, we recommend walking around Church Hill. Many of the buildings were built in the early 19th century and are on Virginia’s historic register. There are several restaurants and cafes in the area, and walkable Libby Park gives an excellent view of the James River and the city below. historicstjohnschurch.org/

3. Shop and Sip at Carytown

One of the best things to do in Richmond, VA, is visit Carytown. This neighborhood is known for its eccentric shops and restaurants, and it has something for practically anyone along its mile-long stretch. Window-shop, get a coffee, maybe buy a new book. Then end your day with a classic movie at the Byrd Theater, where on select days throughout the week, an organ player starts the show with select tunes from the olden days.

Carytown is just up the street from Maymont if you want a little bit of culture and nature on the same day. It’s also very close to the Virginia Museum of Fine Arts, which is up next on this list of cool things to do in Richmond, VA. carytownrva.com/

Recommended: Where to Keep Travel Fund

4. Immerse Yourself in Art

One of the top travel hacks is to find free places to visit when you’re traveling. The Virginia Museum of Fine Arts (VMFA) is one of the coolest free things you can do while you’re in Richmond.

Which has another benefit: It can be a way that families can afford to travel and soak up some culture.

The VMFA is a world class museum, and has around 50,000 art pieces from around the world. It’s open 365 days a year from 10 am to 5 pm, and has both a cafe and fine dining on premises. Recently the VMFA acquired a sculpture from world-renowned artist Kehinde Wiley titled “Rumors of War.” Be sure to check it out if you visit! vmfa.museum/

5. Explore Some Science

Looking for family-oriented things to do in Richmond, VA? Include a visit to the Science Museum of Virginia. This destination is fun for both kids and adults as each of its exhibits manages to make the natural world seem utterly magical and surreal.

If you have the time, we suggest seeing a movie in The Dome at the museum, which is the largest theater in VA. Also noteworthy is the building itself. Built in 1919 as Richmond’s premier train station, it is a prime example of neoclassical architecture. The films shown explore the natural world, making your visit more immersive.

Admission to the museum, which is open from 9:30 am to 5 pm daily, is $17 for ages 13-59; a ticket to a feature at the Dome adds $5. smv.org

6. Stroll Through a Great Garden

Searching for fun things to do in Richmond VA for couples? Put the Lewis Ginter Botanical Garden at the top of your list. While technically in Henrico County, Lewis Ginter is just a stone’s throw away from the city line.

Established on 50 acres, Lewis Ginter is home to over a dozen unique gardens you can easily spend all day appreciating. If you have children, there is a large, multi-level treehouse on the grounds with a tower that overlooks the park’s central lake. There’s also a conservatory, cafe (where you can earn credit card rewards when charging a snack or meal), garden shop, and library on the property. Admission is $17 for adults; the garden is open daily from 9 am to 5 pm, with some extended evening hours in the summer and fall. lewisginter.org/

7. Discover Hollywood Cemetery

One of the most unique things to do in Richmond, VA, is visit Hollywood Cemetery. You may not think a cemetery would be worth visiting, but in this case you’d be mistaken. It’s located on over 135 beautifully landscaped acres, with stunning views of the James River and surrounding rolling hills.

This nationally recognized cemetery is the final resting place of many historic figures, such as two U.S. presidents, James Monroe and John Tyler. Even if you’re not a history buff, the architecture of the mausoleums alone is worth a couple hours of your time. hollywoodcemetery.org/

8. Raft or Kayak the James River

Any list of top things to do in Richmond, VA, should include the James River. To be more specific — kayaking or rafting the James.

Throughout the entire United States, Richmond is the only city where you can kayak through a class IV rapids and still be downtown. However, if boating isn’t your thing, you can contact companies like H20 Adventures or James River Reeling and Rafting to help guide you through an amazing afternoon you won’t soon forget.

9. Tour the Capitol Building

The Virginia State Capitol was designed by Thomas Jefferson, the third President of the United States. While Jefferson is famous for other architectural achievements, the Virginia State Capitol is considered one of his best designs. Check the website about opportunities to visit this amazing building. virginiageneralassembly.gov/

10. Eat Well

Richmond has a vibrant food and drink scene, with many excellent restaurants. L’Opossum has some of the best reviews you’ll ever read. It’s been ranked #1 out of Richmond’s 877 restaurants on many review sites. To eat at this French-American fusion, you’ll need to make a reservation well in advance. Other options: Rappahannock Restaurant for oysters, and Perly’s for updated deli delights in a vintage setting.

The Takeaway

Richmond, VA, has a little bit of everything for everyone. Historically, there are many places throughout the city that have been pivotal to major events and national dialogues. Artistically, there’s just as much to admire and appreciate. Whether it’s the food, nature, art, or shopping, Richmond can be an exciting destination to explore.

SoFi Travel is a new service exclusively for SoFi members. Through a partnership with Expedia, we make it easy to find the lowest rates and book your reservations — for flights, hotel rooms, car rentals, and more — all in one place. Earn 2x rewards when booking with your SoFi Mastercard or debit card. And when you redeem your SoFi rewards for travel, you get a 25% bonus: $100 of reward points are worth $125.

Wherever you’re going, get there with SoFi Travel.

FAQ

Is Richmond a walkable city?

Yes, Richmond is very much a walkable city. Not only are there sidewalks throughout the entire city, but you can easily go from city sidewalks to nature trails along the James River. Both drivers and cyclists know to be on the lookout for pedestrians, no matter what time of day it is.

Is Richmond a friendly city?

Overall, visitors from anywhere in the country should be able to find a common ground with Richmonders. It’s an eclectic city and also home to Virginia Commonwealth University, meaning it has a good mix of people.

What part of Richmond should I stay in?

Visitors should consider staying in the downtown area. Downtown Richmond not only has some of the best views of the city and the James River, but it also has a bustling nightlife. With restaurants, bars, and theaters, you may not even need an Uber to get to where you want to go. The Jefferson and the Quirk Hotel both have top-notch restaurants and bars.

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Photo credit: iStock/Sean Pavone

**Terms, and conditions apply: The SoFi Travel Portal is operated by Expedia. To learn more about Expedia, click https://www.expediagroup.com/home/default.aspx.

When you use your SoFi Credit Card to make a purchase on the SoFi Travel Portal, you will earn a number of SoFi Member Rewards points equal to 3% of the total amount you spend on the SoFi Travel Portal. Members can save up to 10% or more on eligible bookings.

Eligibility: You must be a SoFi registered user.
You must agree to SoFi’s privacy consent agreement.
You must book the travel on SoFi’s Travel Portal reached directly through a link on the SoFi website or mobile application. Travel booked directly on Expedia's website or app, or any other site operated or powered by Expedia is not eligible.
You must pay using your SoFi Credit Card.

SoFi Member Rewards: All terms applicable to the use of SoFi Member Rewards apply. To learn more please see: https://www.sofi.com/rewards/ and Terms applicable to Member Rewards.

Additional Terms: Changes to your bookings will affect the Rewards balance for the purchase. Any canceled bookings or fraud will cause Rewards to be rescinded. Rewards can be delayed by up to 7 business days after a transaction posts on Members’ SoFi Credit Card ledger. SoFi reserves the right to withhold Rewards points for suspected fraud, misuse, or suspicious activities.
©2024 SoFi Bank, N.A. All rights reserved. Member FDIC. Equal Housing Lender. NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org).

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Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

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