When choosing where in the U.S. to settle down and take out a mortgage, people consider a variety of factors like housing costs, cost of living, safety and dining and entertainment options. It is possible to measure livability by evaluating how cities rank on these fronts.
Since U.S. city environments can vary drastically, SmartAsset ran the numbers and uncovered the most livable cities in America in this study. Looking at 100 of the largest cities, we considered seven metrics: walkability, violent crime rate, property crime rate, unemployment rate, population density, housing costs as a percentage of income and housing cost-burdened rate. For details on our data sources and how we put the information together to create our final rankings, check out the Data and Methodology section below.
- Regional diversity among top 10. There are cities in the Northeast, South, Midwest and West in our top 10, and they span a total of seven states. The seven states include Virginia, Texas, California, Idaho, Nebraska, New Jersey and Wisconsin. Virginia, Texas and California are each represented twice.
- Unemployment rates vary. Though the national unemployment rate is at a 50-year low, hovering around 3.5%, unemployment varies significantly nationwide. Unemployment rates, which are measured on the county level in our study, spanned from 1.9% to 8.4%.
1. Arlington, VA
Like last year, we found that Arlington, Virginia is the most livable city of the 100 we considered. Located just across the Potomac River from the nation’s capital, Arlington had the lowest unemployment rate, 1.9% in July 2019, of any city in our study. In addition, using 2018 FBI crime data along with population estimates from the Census Bureau, we found that Arlington had violent and property crime rates of 155 and 1,425 per 100,000 residents, respectively. Relative to the 99 other cities in our study, this is the fifth-lowest violent crime rate and fourth-lowest property crime rate.
2. Plano, TX
The livability score for Plano, Texas is high given its low crime rates. In 2018, there were 140 violent crimes and 1,722 property crimes per 100,000 residents, ranking fourth and eighth, respectively. Plano also does well on our two housing-related metrics, housing costs as a percentage of income and housing cost-burdened rate. In 2018, median housing costs as a percent of median income was 19.4%, the sixth-lowest overall. Additionally, the majority of households spent less than 30% of their income on housing costs, meaning that they were not housing cost-burdened, according to guidelines from the Department of Housing and Urban Development (HUD). Only about 28% of households were housing cost-burdened, the seventh-lowest percentage for this metric across all 100 cities in our study.
3. Fremont, CA
Households on average spent slightly more of their income on housing in Fremont, California than in Plano, but the percentage of households spending 30% or more of their income on housing was lower. Specifically, median housing costs as a percentage of median income in Fremont was 21.7%, which is 2.3% higher than Plano, while 26.3% of households were housing cost-burdened, which is 1.8% lower than the percentage in Plano.
4. Boise, ID
Boise, Idaho ranks in the top 20% of cities for five of the seven metrics in our study, ranking particularly well for its low unemployment rate and low housing cost-burdened rate. Boise is part of Ada County, and in July 2019, only 2.5% of the labor force was unemployed within the greater county, according to estimates from the Bureau of Labor Statistics (BLS). Additionally, 2018 Census data showed that 28.2% of households were housing cost-burdened, the eighth-lowest percentage of all cities in our study.
5. Lincoln, NE
Lincoln, Nebraska ranks well in our study because of its relatively low crime rates and affordable housing costs. In 2018, Lincoln had the 20th-lowest violent crime rate and 35th-lowest property crime rate of all 100 cities in our study. Median annual housing costs as a percentage of income in Lincoln was the 10th-lowest rate in the study and the percentage of housing cost-burdened households was the fifth-lowest. With low average housing costs, residents may be able to afford a bigger home. Take a look at our home-buying calculator to see what kind of house you can afford in Lincoln.
6. Jersey City, NJ
Jersey City, New Jersey does particularly well on two metrics, walkability and population density. Walkscore.com calculates walkability of cities on a 0 to 100 scale, where a lower number means the city is less walkable while a higher number means it is more walkable. Jersey City receives a score of 87.3, the highest of any city in our top 10 and second-highest in the study overall, following only New York, New York. Jersey City is also a relatively populous city, suggesting that there are more options for dining and entertainment in the surrounding area. We estimate that there are almost 18,000 people per square mile in Jersey City, the third-highest population density in the study overall, following only San Francisco, California and New York.
7. Irving, TX
Irving, Texas ranks well in terms of safety, with the eighth-lowest violent crime rate and 24th-lowest property crime rate. Additionally, it is relatively affordable and may be a great place for residents looking to become homeowners. In our recent study of where it takes the least time for renters to become homeowners, Irving ranks second of the 100 cities we considered. We estimated that the average time for renters to become homeowners is only 3.35 years here.
8. Madison, WI
Job opportunities significantly affect the livability of a city. The low unemployment rate in Madison, Wisconsin suggests a plethora of job opportunities for people just moving to the city and long-term residents alike. According to estimates from the BLS, the unemployment rate in the greater county of Dane was 2.6% in July 2019, the fifth-lowest of any city in the study. Additionally, Madison is relatively walkable. Walkscore.com gives Madison, Wisconsin a score of 48.7, the 37th-highest across all 100 cities in the study.
9. San Francisco, CA
Known for its hills, San Francisco, California is a very walkable city despite some steep inclines. Walkscore.com gives San Francisco a score of 86.0, the third-highest of the cities in our study. San Francisco also ranks second for population density as well as unemployment rate. There are about 18,845 people per square mile in the city, and the unemployment rate for the greater county in July 2019 was 2.4%.
10. Virginia Beach, VA
Virginia Beach, Virginia rounds out our list of most livable cities. Though it falls behind other cities in terms of walkability and population density, ranking 86th and 92nd on the two metrics, respectively, it is a relatively safe and affordable city. In 2018, there were 117 violent crimes and 1,726 property crimes per 100,000 residents, the third- and ninth-lowest rates for these metrics across all 100 cities in our study. Additionally, residents on average spend less on housing, potentially allowing them to save more. Median housing costs as a percent of median income was 22.2% in 2018, ranking 31st-lowest overall.
Data and Methodology
To find the most livable cities in the U.S., we analyzed data on 100 of the largest cities in America. We looked at each city according to the following seven metrics:
- Walkability. This is calculated on a 0 to 100 scale. A lower number means the city is less walkable while a higher number means it is more walkable. Data comes from walkscore.com.
- Violent crime rate. This is the violent crime rate per 100,000 residents. Data comes from the 2018 FBI Uniform Crime Reporting Database for all reporting cities. For non-reporting cities, data comes from neighborhoodscout.com.
- Property crime rate. This is the property crime rate per 100,000 residents. Data comes from the 2018 FBI Uniform Crime Reporting Database for all reporting cities. For non-reporting cities, data comes from neighborhoodscout.com.
- Unemployment rate. July 2019 data comes from the Bureau of Labor Statistics (BLS) and is reported at the county level.
- Population density. Data on city area comes from the 2010 Census Summary File and data on population comes from the Census Bureau’s 2018 1-year American Community Survey.
- Housing costs as a percentage of income. This is the median housing costs divided by median household income. Data comes from the Census Bureau’s 2018 1-year American Community Survey.
- Housing cost-burdened rate. This is the percentage of households spending 30% or more of their income on housing. Data comes from the Census Bureau’s 2018 1-year American Community Survey.
First, we ranked each city in every metric. We then found each city’s average ranking. We gave each metric a full weight, with the exceptions of population density and housing cost-burdened rate, both of which we half-weighted. We used this average ranking to determine a final score. The city with the best average ranking received a score of 100 and the city with the lowest received a score of 0.
Tips for Finding an Affordable Home
- Expert advice. More livable cities are often characterized by factors that can better prepare you to become a homebuyer. If you’re thinking about buying a home, it might make sense to get some professional help. Finding the right financial advisor that fits your needs doesn’t have to be hard, though. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
- Mortgage management. It’s important to know what you’ll be paying each month when you buy your home. Get a sense of what it might look like with SmartAsset’s free mortgage calculator.
Questions about our study? Contact us at firstname.lastname@example.org
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