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The Best Suburbs in America

Large cities can be a great option for anyone looking for a walkable, fast-paced environment with easy access to shops and restaurants. However, the hustle and bustle of a large city isn’t a one-size-fits-all proposition for everyone. Large cities are often expensive (average home values exceed $1 million in a handful of places) and may have higher crime rates than their surrounding areas. Suburbs, in turn, can offer more affordable housing, lower crime rates and a variety of entertainment options.

SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.

In this study, SmartAsset uncovered the best suburbs to live in near a large city. Specifically, we compared data for close to 500 suburbs located within 15 minutes to an hour by car of a large city (those with a population of 250,000 or more). To determine their ranking, we analyzed 13 metrics across three categories: jobs, affordability and livability. For details on our data sources and how we put all the information together to create our final rankings, check out the Data and Methodology section below.

Key Findings

  • Indianapolis, Cincinnati and Columbus suburbs dominate the entire top 10. Brownsburg outside of Indianapolis, Hebron near Cincinnati and Delaware close to Columbus are the top three highest-ranking suburbs in our study.

  • The West performs poorly. Out of the 109 suburbs that we analyzed in this region, just five made the study’s overall top 100. Of these five suburbs, the highest ranking is Vail, Arizona (No. 35).

  • A total of 11 suburbs have a median household income above $160,000. Great Falls, Virginia and New Albany, Ohio have the highest median household incomes, at $238,828 and $200,580, respectively. In comparison, the national median household income is $64,994.

  • Detroit and Memphis have the highest crime rates of the large cities in our study, but there are safer alternatives nearby. In Detroit, the violent crime rate is almost 2,179 per 100,000 residents while it is less than 150 in three nearby suburbs: Farmington Hills, Royal Oak and St. Clair. Similarly, Memphis has more than 2,300 violent crimes per 100,000 residents while the nearby suburb of Germantown has just 107.

The Midwest Wins Big

Across the four major regions in the U.S., the Midwest is home to some of the highest-ranking suburbs in our study. Specifically, we analyzed data for 146 Midwest suburbs and 31 of them rank in the top 50 across all regions – the most of any region.

The top-ranking suburb in the Midwest, and our study overall, is Brownsburg, Indiana. Located roughly 17 miles northwest from Indianapolis, this town is home to almost 26,600 people and scored highest in our jobs and livability categories. Specifically, Brownsburg ranks in the top 100 suburbs across all regions for its five-year income growth (nearly 36%) and 10-year job growth (nearly 29%). It’s worth noting that Brownsburg also offers affordable housing options. We found that median annual housing costs make up just 16.24% of the suburb’s median household income ($89,089).

Brownsburg is not the only suburb outside of Indianapolis that ranks well. In fact, three other suburbs that rank in the top 10 are located nearest to The Railroad City (Noblesville, Fishers and Greenwood). All four suburbs score highest in our jobs category. Specifically, they have unemployment rates of 2.5% or less and 10-year employment growth rates exceeding 25%.

Located east of Indiana, Ohio is home to many livable suburbs as well. Four Columbus-area suburbs ranked in the overall top 20 of our study. They include Delaware, Johnstown, Canal Winchester and Bellefontaine. These four Ohio suburbs performed especially well in our livability category, each ranking among the top 25 for the category. Expect lower violent and property crime rates in these suburbs (under 140 violent crimes and 1,400 property crimes, per 100,000).

For those looking to reside near the largest Midwestern city (Chicago, Illinois), Elmhurst, Illinois may be a good option. This suburb ranks as the 36th-best overall for its high median household income ($123,869) across all regions and places in the top 75 for its low violent and property crime rates (83 and 850 per 100,000 residents, respectively).

Southern Suburbs Offer Affordability

Cities in the South offer a warmer climate and are often more affordable compared to other places across the country. For this study, we considered 209 Southern suburbs, and 17 of them rank in the top 50 in our study.

The highest-ranking suburbs near the South’s three largest cities (Houston, San Antonio and Dallas) are:

  • Sealy (near Houston)

  • Hondo (near San Antonio)

  • Ennis (near Dallas)

Outside of Texas, some Southern suburbs also rank well in our jobs category, which considers average incomes, job diversity and three other factors. In particular, Fernandina Beach, Florida (near Jacksonville) ranks second-best in this category overall with a median household income that is nearly 18% higher than the national average and five-year income growth that exceeds 46%.

Fort Mill, South Carolina nearby Charlotte, North Carolina also ranks well for its jobs situation. Fort Mill has the second-highest five-year income growth in our study and fourth-highest 10-year employment growth. Specifically, incomes grew by nearly 65% in the five-year period leading up to 2020 and total employment grew by more than 94% between 2010 and 2020.

A Mixed Picture in the Northeast

Just 30 suburbs in the Northeast, the nation’s smallest region, met the criteria for our list. Overall rankings for those 30 suburbs vary widely. The top-ranking Northeast suburb is Duquesne, Pennsylvania - at No. 29 - while New Brunswick, New Jersey ranks worst overall - at No. 494.

Located within an hour of New York City are six suburbs, and all of them rank in the bottom half of all suburbs in the study. For those who have their mind set on living near the Big Apple, however, the best bet for a nearby suburb is Edgewater, New Jersey, at No. 257. This suburb ranks 30th-best for its median household income (just over $130,000) and is relatively safe with just 66 violent crimes and 1,061 property crimes per 100,000 residents.

Traveling south, you’ll end up in Philadelphia, Pennsylvania - the second-largest city in the Northeast. We considered five Philadelphia suburbs - two of which rank in the top 44% of all suburbs in this study. They are Princeton and Williamstown, both of which are located in New Jersey. Across the three major categories in our study, the former stands out for job-related metrics, with the 18th-highest median household income (at just over $146,000) and the second-highest job growth over 10 years (with more than 1.5 times more employed workers than in 2010).

Philadelphia’s counterpart, Pittsburgh, outshines The City of Brotherly Love when comparing nearby suburbs. Suburbs near Pittsburgh offer lower costs of living and home value-to-income ratios.

The top-ranking Northeastern suburb is also closest to Pittsburgh. Duquesne has a population of 5,500 people and has both the No. 1 highest growth in income over five years (78.32%) and the lowest home value-to-income ratio (where houses cost roughly 1.28 times the median income).

Going Out West

Despite the plethora of Western suburbs in our study, most places fall behind relative to suburbs in other regions. In fact, just one Western suburb ranks in the top 50 across all regions (No. 35 Vail, Arizona). However, there are suburbs of note that offer both high and rising incomes.

More than a third of Western suburbs we considered have a median household income higher than $100,000, with many of those places located in California. Additionally, 13 suburbs have median household incomes double the national median ($64,994). Tiburon, California - outside of San Francisco - offers the highest median household income in the West at $178,125, followed by Palo Alto ($174,003) and Malibu ($162,716).

Incomes are also growing in many Western suburbs. Over a five-year period starting in 2015, the median household income increased in Western suburbs by an average of 23.12%, but this figure varies wildly. It rose the most in Chowchilla, California (64.02%), but fell the most in another California suburb: Taft (-8.54%).

It’s not all about the money, though. Suburbs in Hawaii rank highest in livability. Three of the six Hawaii suburbs considered rank in the top 50 of the livability category, including Kailua (No. 18), Kaneohe (No. 33) and Pearl City (No. 49). In particular, these three suburbs have the 24th-highest concentration of dining and entertainment establishments across these Hawaiian suburbs (nearly 12% of all establishments) and low violent crime rates (under 220 per 100,000 residents).

Hawaii is not the only state offering livable suburbs. Two Washington suburbs (Bainbridge Island and Enumclaw) and two California suburbs (Tiburon and Truckee, which is located closest to Reno, Nevada) rank in the top 10% of suburbs for our livability category. All four suburbs rank in the top 100 for the local high school graduation rate and have low violent crime rates (under 120 crimes per 100,000).

To find the best suburb in your area, we encourage you to enter your city of interest in the table below.

Data and Methodology

To find the best suburbs to live within an hour of a large city, SmartAsset compared data for places located within 15 minutes to an hour by car to 87 large cities (those with a population of 250,000 or more).

Definitions of suburbs according to population constraints vary, but for the purposes of our study, we considered neighboring suburbs with a population between 5,000 and 100,000. This left us with 494 suburbs, which we compared across three categories and a total of 13 metrics:

  • Jobs. For our jobs score, we considered five metrics: median household income, five-year income growth, 10-year employment growth, job diversity and unemployment rate. Job diversity measures the variety of industries available in a place using the Shannon index. Data for all metrics comes from the Census Bureau’s 2020 5-year American Community Survey.

  • Affordability. For this score, we looked at housing costs relative to income, home value-to-income ratio, average effective property tax rate and estimated annual cost of living for an individual. Data for the first three metrics comes from the Census Bureau’s 2020 5-year American Community Survey. Cost of living figures come from the MIT Living Wage Calculator.

  • Livability. This includes the high school graduation rate, dining and entertainment establishments as a percentage of all establishments and violent and property crimes per 100,000 people. Data comes from the 2022 County Health Rankings and the Census Bureau’s 2020 5-year American Community Survey. Crime data comes from the FBI and is for 2020; missing crime data was supplemented by NeighborhoodScout.com.

We ranked each suburb in every metric and found an average ranking and score for each category. We then found a final score, averaging the three category scores. The suburb with the highest cumulative score ranked at the top of our list.

Considering Moving to a Suburb? Here Are Some Relocation Tips

  • Know how far your income will stretch. One of the commonly touted benefits of living in a suburb is a lower cost of living. If you live in a big city and are thinking of making a move, consider the financial implications for your budget. Use our cost of living calculator to understand how moving will impact your housing, food and tax costs.

  • Consider the future impact on your assets. “When selecting a city to live near, consider where the residents of the city are likely to move if the population keeps growing," says Dennis Shirshikov, Strategist at Awning.com. "This can set you up for rapid appreciation on your home and give you a sizable amount of equity in only a few years." To get a better idea on growing large cities, check out our study on rising housing markets.

  • Work with an expert. Relocating can be a significant financial expense (especially if buying a house) and impact your retirement plans. A financial advisor can help guide you through this pivotal investment. SmartAsset’s free tool matches you with up to three financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.

Questions about our study? Contact press@smartasset.com.

Photo credit: ©iStock/Lisa Marie

The post Best Suburbs to Live In Near a Large City – 2022 Study appeared first on SmartAsset Blog.