(And How to Prepare for Them)
So, you got the teaching job in the U.S.—congratulations! 🇺🇸
But before you pack your bags and book your flight, here’s something most J-1 and international teachers wish they had known earlier: teaching in America comes with hidden costs.
Yes, your salary may sound good on paper—but unexpected expenses can add up fast.
This post will walk you through 10 common (and surprising) costs that aren’t always talked about—and how to prepare for them wisely.
1. Car Purchase or Lease
Most U.S. school districts require you to have a car—especially in rural areas.
Even if you’re buying secondhand, expect to pay:
- 🚗 $3,000–$7,000 for a used car
- 💵 Extra for car registration, title, and insurance
- ⛽ Fuel and maintenance costs monthly
How to prepare: Save up before arrival, research used cars online, and ask your host district or fellow teachers about ride-share options at first.
2. Security Deposits + First Month’s Rent
Before you move in, landlords usually ask for:
- 1 month’s rent as a security deposit
- Plus the first month’s rent upfront
- Sometimes: Application fees or background checks
This means if your rent is $1,200/month, you might need $2,400–$2,600 just to move in.
How to prepare: Budget at least 2.5x your rent for your first housing expense.
3. Health Insurance Costs
Your J-1 sponsor might provide basic coverage, but it often doesn’t include:
- Dental or vision
- ER visits with low co-pays
- Affordable prescriptions
You may also need to pay upfront and file for reimbursement later.
How to prepare: Research your health insurance policy and have an emergency fund for unexpected medical bills.
4. State Taxes and Withholding Confusion
Some states don’t have income tax (like Florida), but most do. Many teachers are surprised when they:
- Get a smaller paycheck than expected
- Owe taxes during filing season
- Don’t understand W-4 forms or tax treaties
How to prepare: Learn about your state’s tax laws, and use tools like the IRS withholding calculator to set up your deductions properly.
5. Classroom Supplies
Yes, you’re a teacher… but you might have to buy your own materials like:
- Bulletin boards
- Markers, scissors, storage bins
- Classroom décor and reward systems
How to prepare: Check if your school gives a classroom setup budget. If not, join Buy Nothing groups or ask for donations on DonorsChoose.org.
6. Furniture + Basic Home Items
Your apartment may be empty. That means:
- No bed
- No kitchen utensils
- No sofa, table, or chairs
How to prepare: Set aside at least $500–$800 for basic furnishings. Consider Facebook Marketplace or thrift stores.
7. Phone + Data Plan Setup
U.S. phone plans are expensive compared to other countries. You may need:
- A new phone (if yours is not compatible)
- A monthly plan ($40–$70/month)
- A deposit if you don’t have credit history yet
How to prepare: Bring an unlocked phone, and explore prepaid plans (like Mint Mobile, Visible, or T-Mobile prepaid).
8. Household Essentials
Things you don’t realize you need until you move in:
- Cleaning supplies
- Laundry detergent
- Trash bins, towels, soap, toilet paper
How to prepare: Make a “first 7 days” checklist so you don’t get overwhelmed. Budget an extra $100–$150.
9. Travel & Visa-Related Costs
Even after you arrive, you may need to:
- Fly for trainings or sponsor meetings
- Pay to renew your visa documents
- Travel home in emergencies
How to prepare: Keep at least $500–$1,000 in savings for travel-related surprises.
10. Bank Fees + Credit History Challenges
As a newcomer, you may:
- Be charged fees for using ATMs or wiring money
- Struggle to get approved for credit cards or loans
- Need to put down security deposits for utilities or services
How to prepare: Open a no-fee bank account and look into starter credit cards that don’t require credit history.
✅ Final Thoughts
Teaching in the U.S. is a life-changing experience—but it’s best enjoyed when you’re financially prepared.
These hidden expenses are real, but they don’t have to catch you off guard.
Plan ahead. Save smart. And don’t be afraid to ask for help from other teachers who’ve been there.
📌 Save this post or share it with a fellow teacher who’s moving to the U.S. soon!
Best idea for applicants