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10 Places With the Highest Rates of Telecommuting

The U.S. News Best Places Data Drill Down, separate from our overall rankings, is a regular series that sheds light on multiple data points in order to help readers make the most informed decision when choosing where to live in the United States. Visit our 2016 Best Places to Live ranking to see which of the 100 most populous metro areas made it to the top of the list based on good value, desirability, a strong job market and high quality of life.

If you’ve ever dreamed of working from home full time, you may be living in the wrong place.

According to Gallup’s annual Work and Education poll, the percentage of people who have telecommuted — both part- and full-time — climbed from 30 percent in 2008 to 37 percent in 2015. Meanwhile, the U.S. Census Bureau’s 2014 American Community Survey reported that nearly 4.5 percent of Americans worked from home every day.

[See: The 20 Best Places to Live in the U.S.]

According to Global Workplace Analytics President Kate Lister, an employee who works from home for half the work week can save his or her employer around $11,000 per year in costs by upping the rate of productivity and reducing real estate costs. “The recession brought the employer cost savings advantage of telecommuting to light,” Lister explains. “That lofted the conversation to the C-Suite and the concept began being seen as a strategic rather than a tactical tool.”

Here are the 10 most populous metro areas with the highest percentage of people who work from home at least half the time.

Metro Area Total Workers Age 16+ (excluding unpaid family workers) Telecommute Rate (Half-time or More)
Austin, Texas 916,368 6.77
Boise, Idaho 282,345 6.72
Santa Rosa, California 228,770 6.70
San Diego 1,461,585 6.37
Portland, Oregon 1,072,540 6.31
Denver 1,337,518 6.29
San Francisco 2,134,197 5.97
Phoenix 1,867,419 5.72
Colorado Springs, Colorado 316,623 5.70
Portland, Maine 265,574 5.69

But this list doesn’t tell the whole story. “Many reports include the self-employed, which substantially skews both the numbers and the trends,” Lister says, noting that the home-based, self-employed population has been slowly declining since 2005, while the number of non-self-employed workers who telecommute has skyrocketed.

[See: The 20 Best Places to Live in the U.S. for Quality of Life.]

“[The] reality is that, like Elvis, the employees have already left the building,” Lister explains. “Occupancy studies across the globe point to the fact that people are not at their desk 50 to 70 percent of the time. So whether you call it ‘telecommuting’ or ‘just the way we do business these days,’ we are already mobile.”

Some of us are more mobile than others. Below are the metro areas where telecommuting is most common among workers employed by businesses or companies ranging from technology startups to defense contractors to law firms.

Metro Area Total Workers Age 16+ (excluding self-employed and unpaid family workers) Telecommute Rate for Non-Self-Employed Workers (Half-time or More)
Raleigh-Durham, North Carolina 891,077 0.44
Denver 1,258,088 0.37
Tampa, Florida 1,173,739 0.33
Jacksonville, Florida 591,353 0.33
Salt Lake City 1,027,454 0.33
Colorado Springs, Colorado 299,268 0.23
Orlando, Florida 969,507 0.09
Atlanta 2,333,796 0.07
Phoenix 1,761,084 0.03

Note: Only nine of the 100 most populous metro areas in the United States had positive rates of telecommuting among non-self-employed workers.

Lister notes that certain occupations are more amenable to telework. “For the military, who move around a lot, telework allows spouses to easily move from place to place,” she explains. “Computer-related jobs tend to be very portable whereas production jobs are not.”

Areas with a larger number of telework-compatible jobs often see more people opting to work from home. “Atlanta, for example, has one of the best telework advocacy groups in the nation,” Lister says. High rates of telecommuting among military members explains Colorado Springs’ placement on the list. The metro area is home to several military bases and defense corporations. Meanwhile, areas like Raleigh-Durham, Denver, Salt Lake City and Phoenix are growing technology hubs. The customer service industry — particularly call-center jobs — are also conducive to telework, which would explain the appearance of Florida cities like Tampa and Jacksonville.

[See: The Best Affordable Places to Live in the U.S.]

Areas with more challenging commutes also often see a higher rate of telecommuting. One of the factors we evaluated for U.S. News & World Report’s inaugural Best Places to Live in the U.S. ranking was quality of life, which takes into account the average commute time in each of the nation’s 100 most populous metro areas. When given the choice, quality education, health care access, crime, access to leisure amenities like parks and restaurants, and commute, 25 percent of the 2,000 people we surveyed said the commute would impact their decision to move to a new place. That’s understandable given that, depending on where they live, the average person can spend up to 35 minutes traveling to work. Residents of Atlanta, for instance, spend an average of 30.4 minutes getting to work, which is the fifth-longest commute time among the metro areas evaluated for the Best Places to Live ranking.

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10 Places With the Highest Rates of Telecommuting originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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