Moving to the United States as an internationally educated nurse involves balancing multiple factors: job availability, visa sponsorship, salary potential, and—critically—cost of living. This comprehensive guide identifies the most affordable US states for new nurse immigrants in 2025, considering not just housing costs but also taxes, transportation, healthcare, and quality of life.
Understanding Affordability for Nurse Immigrants
For nurses immigrating to the US, “affordability” includes:
- Housing costs (rent/mortgage as a percentage of income)
- State and local taxes
- Everyday expenses (groceries, utilities, transportation)
- Access to immigrant-friendly communities
- Job availability and starting salaries
- Visa sponsorship opportunities
The following states offer the best balance of reasonable living costs and strong nursing job markets.
Top 10 Most Affordable States for Nurse Immigrants (2025)
1. Texas
Why it ranks #1:
- No state income tax – Keep more of your paycheck
- Moderate cost of living – 8% below national average
- High demand for nurses – Major hospital systems in Houston, Dallas, San Antonio
- Visa sponsorship activity – Active H-1B and Green Card sponsorship
- Large immigrant communities – Strong support networks
Average RN Salary: $78,000
1-Bedroom Rent (Average): $1,200
Best Cities: El Paso, San Antonio, Lubbock (most affordable); Houston, Dallas (higher pay)
Visa Advantage: Many Texas hospitals participate in the Nurse Licensure Compact (NLC), allowing you to get a multistate license if Texas is your primary residence.
2. Iowa
The Midwest Value Leader:
- Extremely low housing costs – 30% below the national average
- Strong healthcare systems – University of Iowa Hospitals, MercyOne
- Rural healthcare incentives – Loan repayment programs for underserved areas
- Low crime rates and family-friendly communities
Average RN Salary: $68,000
1-Bedroom Rent (Average): $900
Best Cities: Des Moines, Cedar Rapids, Iowa City
Immigrant Support: Growing immigrant communities in meatpacking and agricultural regions create diverse support networks.
3. Ohio
The Healthcare Hub of the Midwest:
- Major hospital systems – Cleveland Clinic, OhioHealth, University Hospitals
- Low cost of living – 12% below the national average
- Reasonable housing – Even in major cities
- Strong nursing unions in some areas
Average RN Salary: $73,000
1-Bedroom Rent (Average): $1,050
Best Cities: Toledo, Youngstown, Dayton (most affordable); Columbus, Cleveland (more opportunities)
Professional Advantage: Cleveland Clinic and other major systems have extensive experience with international nurse recruitment and visa processing.
4. Missouri
The Balanced Option:
- Very low housing costs – 20% below the national average
- Two major metropolitan areas – St. Louis and Kansas City
- Medicaid expansion – More healthcare jobs available
- NLC State – Multistate license benefits
Average RN Salary: $70,000
1-Bedroom Rent (Average): $950
Best Cities: Springfield, Columbia, Joplin (most affordable); St. Louis suburbs
Career Development: Barnes-Jewish Hospital in St. Louis is consistently ranked among America’s best, offering excellent career progression.
5. Tennessee
No Income Tax + Growing Healthcare:
- No state income tax
- Rapidly growing healthcare sector – Nashville is “Healthcare Capital of the US”
- Moderate housing costs outside Nashville
- Warm climate similar to many nurses’ home countries
Average RN Salary: $69,000
1-Bedroom Rent (Average): $1,150
Best Cities: Memphis, Chattanooga, Knoxville (avoid downtown Nashville for affordability)
Corporate Healthcare: Headquarters of HCA Healthcare, Community Health Systems, and other major hospital corporations means extensive job opportunities.
6. Kansas
The Underrated Gem:
- Exceptionally low cost of living – 13% below average
- High nurse-to-population ratio indicates strong demand
- Safe communities with good schools
- NLC State
Average RN Salary: $67,000
1-Bedroom Rent (Average): $850
Best Cities: Wichita, Topeka, Lawrence
Visa Note: Many Kansas hospitals serve rural populations and qualify for Conrad 30 J-1 visa waivers for international physicians, creating supportive environments for immigrant healthcare professionals.
7. Indiana
Manufacturing Region Transforming to Healthcare:
- Low housing costs – 22% below national average
- Major teaching hospitals – IU Health, Eskenazi Health
- Central location – Easy travel to Chicago, Cincinnati, Louisville
- Reasonable taxes
Average RN Salary: $71,000
1-Bedroom Rent (Average): $980
Best Cities: Fort Wayne, South Bend, Indianapolis suburbs
Educational Opportunities: Purdue University and Indiana University offer excellent bridge programs and specializations for internationally educated nurses.
8. Michigan
The Comeback State for Healthcare:
- Surprisingly affordable housing – Especially in post-industrial cities
- World-class healthcare systems – Henry Ford, University of Michigan, Beaumont
- Great Lakes lifestyle – Outdoor activities, fresh water
- Auto industry healthcare plans often offer excellent benefits
Average RN Salary: $75,000
1-Bedroom Rent (Average): $1,050
Best Cities: Detroit suburbs, Grand Rapids, Lansing
International Communities: Detroit metro area has one of America’s largest Arab-American communities, and Dearborn has significant immigrant support services.
9. Arkansas
The Deep Value Option:
- Lowest cost of living in the US in some areas
- Natural beauty – Ozark Mountains, hot springs
- Growing healthcare sector – Walmart is investing heavily in healthcare
- NLC State
Average RN Salary: $66,000
1-Bedroom Rent (Average): $750
Best Cities: Fort Smith, Jonesboro, Little Rock suburbs
Walmart Health: Walmart’s headquarters in Bentonville is driving healthcare innovation and job creation throughout the state.
10. Nebraska
Stable Economy, Low Unemployment:
- Very low unemployment – High job security
- Friendly communities – Known for Midwestern hospitality
- Strong public health system
- NLC State
Average RN Salary: $69,000
1-Bedroom Rent (Average): $920
Best Cities: Lincoln, Omaha suburbs
Immigrant History: Nebraska has a long history of welcoming refugees and immigrants, with strong support systems in place.
Honorable Mentions
Pennsylvania
- Major urban centers with reasonable suburbs
- Excellent hospital systems – UPMC, Penn Medicine
- Higher salaries in Philadelphia/Pittsburgh
- Downside: Higher taxes than in some states
Georgia
- No nursing license compact, but reasonable costs
- Atlanta offers good pay but higher living costs
- Growing immigrant communities
Kentucky
- Exceptionally low housing costs
- Appalachian healthcare needs create opportunities
- Smaller cities offer peaceful living
Critical Factors Beyond Affordability
1. Visa Sponsorship Hotspots
The most affordable states aren’t always the easiest for visa sponsorship. Balance affordability with:
- H-1B Cap-Exempt Employers: Universities, non-profit hospitals (available in all states)
- Green Card Sponsorship: Major hospital systems’ willingness to sponsor
- Frequent Sponsors: Texas Health Resources, Cleveland Clinic, Mayo Clinic, Ascension
2. Nursing Licensure Compact (NLC) Status
Priority NLC States from the Above List: Texas, Missouri, Tennessee, Kansas, Arkansas, Nebraska
Having a multistate license from an NLC state provides tremendous career flexibility.
3. International Nurse Support Systems
Look for states with:
- Dedicated international nurse orientation programs
- Robust ESL and cultural adaptation classes
- Immigrant community associations
- Religious communities from your home country
4. Climate Considerations
- Hot/Humid: Texas, Tennessee, Arkansas, Georgia
- Four Seasons: Ohio, Pennsylvania, Missouri, Indiana
- Cold Winters: Iowa, Nebraska, Michigan
Financial Planning: First Year Cost Breakdown
Typical Setup Costs for Nurse Immigrant:
| Expense | Low-Cost State | Moderate-Cost State |
|---|---|---|
| First/Last Rent + Deposit | $2,400 | $3,600 |
| Used Car Purchase | $8,000 | $10,000 |
| Furniture/Household | $2,000 | $3,000 |
| License/Exam Fees | $1,500 | $1,500 |
| Emergency Fund | $3,000 | $5,000 |
| Total Recommended | $16,900 | $23,100 |
Monthly Budget Example (Texas):
- Gross Salary: $6,500/month
- Taxes/Deductions: -$1,800
- Net Income: $4,700
- Rent: -$1,200
- Car/Insurance: -$500
- Food/Utilities: -$800
- Health Insurance: -$300
- Savings/Remaining: $1,900
State-Specific Nursing Requirements
NCLEX & Licensing:
All states require:
- CGFNS Certificate or VisaScreen
- Pass NCLEX-RN
- State-specific application
Temporary/Permanent License Times:
- Fastest: Texas, Iowa (2-4 weeks for temporary)
- Average: Most states (4-8 weeks)
- Slowest: California (6+ months)
English Requirements:
All states accept IELTS/TOEFL, but some have additional requirements for:
- Accent reduction assessments
- Clinical communication tests

Avoiding Common Pitfalls
1. The “Cheapest Rent” Trap
- Some ultra-low-cost areas have few job opportunities
- Balance cost with employment options
- Consider commute distances to major hospitals
2. Tax Misunderstandings
- No income tax states often have higher property/sales taxes
- Calculate your effective tax rate based on your situation
- Consult with other immigrant nurses about actual take-home pay
3. License Portability
- Starting in an NLC state gives you multistate privileges
- If you start in a non-compact state, moving later requires relicensing
4. Cultural Isolation
- The most affordable areas may have smaller immigrant communities
- Weigh cost savings against available support systems
- Consider proximity to ethnic markets, places of worship, and community centers
Strategic Recommendations for 2025
Best Overall Strategy:
- Target NLC states with no income tax (Texas, Tennessee)
- Apply to major hospital systems with international recruitment
- Live in the suburbs of major cities rather than downtown
- Secure employment before relocation whenever possible
- Build credit immediately upon arrival for better housing options
If You Have Family:
- Prioritize school quality and family amenities
- Consider Michigan, Ohio, or Pennsylvania for their family support
- Look for ESL programs in local school districts
If You Plan to Travel Nurse Later:
- Establish residency in an NLC state immediately
- Texas offers the best combination of affordability and license portability
- Maintain a “home base” in your affordable state while traveling
If You Specialize:
- ICU, OR, L&D nurses: Can afford slightly higher cost areas
- Med-Surg, Geriatric nurses: May prioritize affordability more
- Advanced Practice: Consider states with full practice authority
Resources for Nurse Immigrants
State-Specific Assistance:
- Texas: Texas Workforce Commission, Texas Nurses Association
- Midwest States: Various “Welcome Center” programs for immigrants
- All States: Local immigrant aid societies, often church-based
Financial Resources:
- Credit-building programs for newcomers
- First-time homebuyer programs (available in some states after 1-2 years)
- Nursing-specific scholarships for advanced degrees
Professional Networks:
- National Association of International Nurses (NAIN)
- State nursing associations often have international committees
- Ethnic nursing associations (Philippine Nurses Association, etc.)
The 2025 Outlook: COVID Legacy and Future Trends
Permanent Changes:
- Telehealth experience is now valuable in all states
- Mental health training is particularly valued post-pandemic
- Flexible scheduling is more widely available
Salary Growth:
Nurse salaries have increased 15-25% in most states since 2020, outpacing inflation in healthcare-rich states.
Future Considerations:
- Climate migration may affect some states’ affordability
- The political climate varies significantly by state regarding immigrant support
- Retirement of baby boomer nurses will continue creating opportunities through 2030+
Conclusion: Building Your American Nursing Career on a Solid Foundation
Choosing an affordable state as a new nurse immigrant provides the financial stability needed to navigate your crucial first years in the United States. The states listed offer the best combination of reasonable living costs, strong job markets, and supportive environments for international nurses.
Texas stands out as the optimal choice for most nurse immigrants in 2025, offering no state income tax, NLC membership, major healthcare employers, and large immigrant communities. However, your personal priorities—climate, proximity to family, specialty opportunities—may make another state your perfect fit.
Remember: Your first state doesn’t have to be your forever state. Many nurses start in affordable states to establish themselves, build savings, and gain US experience before considering relocation to higher-cost, higher-salary states like California or New York.
The key is to begin your American journey on solid financial ground, allowing you to focus on what matters most: providing excellent patient care and building a rewarding nursing career in your new home.








