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Researchers at GOBankingRates analyzed cost of living, crime rates, and the livability of more than 300 of the largest cities in the U.S. To do so, we examined data from the U.S. Census, Bureau of Labor Statistics and FBI, among other sources.
To rank the best cities for safety and affordability, our researchers gave each city an individual score for safety, livability, and cost of living. The cities were then ranked from highest overall scores to lowest overall scores.
Choosing a family-friendly place to live is a significant decision that involves a balancing act between safety and affordability in any big city. Several cities in America stand out for offering a combination of low crime rates and reasonable living costs, even when compared to small towns. Whether you’re a young professional, a growing family or a retiree, finding real estate where you feel comfortable — both physically and financially — is crucial for a high quality of life.
Whichever city is home for you, be sure to compare it to the cities on the list below to compare what you could spend versus what you could save. Each city has its unique charm and strengths, ensuring that you can find a community that fits your lifestyle and needs. Whether you’re looking for vibrant cultural scenes, strong job markets, excellent schools or outdoor recreational opportunities, these cities provide a safe and affordable environment to call home.
GOBankingRates conducted a study based on the costs of living and crime rate averages. They were then ranked from lowest to highest based on these average crime rates and costs and the ratings were factored by crimes per 1,000 people, then compared to the national average. Here are some key takeaways:
Cities in Texas: Of the top 25 cities from GOBankingRate’s study, 11 are located in Texas.
Cheapest cost of living: Of the top 50 cities listed, the cheapest cost of living is in Brownsville, Texas, with an estimated monthly cost of $2,940.
Most violent crime: Even though still much safer than other big cities such as New York City or Los Angeles, the highest rate of violent crimes on this list is in Mesa, Arizona.
Click the link to review the 50 safest and most affordable American cities.
Top 5 most affordable U.S. cities
1. Elgin, Illinois
Median household income: $85,998
Household average mortgage cost: $1,840
Total monthly cost of living: $4,008
Property crimes: 851
Violent crimes: 215
2. Cary, North Carolina
Median household income: $125,317
Household average mortgage cost: $3,814
Total monthly cost of living: $5,863
Property crimes: 1,975
Violent crimes: 142
3. Gilbert, Arizona
Median household income: $115,179
Household average mortgage cost: $3,499
Total monthly cost of living: $5,510
Property crimes: 2,818
Violent crimes: 323
4. League City, Texas
Median household income: $117,316
Household average mortgage cost: $2,216
Total monthly cost of living: $4,157
Property crimes: 1,497
Violent crimes: 126
5. Rochester, Minnesota
Median household income: $83,973
Household average mortgage cost: $1,967
Total monthly cost of living: $4,111
Property crimes: 2,276
Violent crimes: 271
Other Arizona cities
25. Surprise, Arizona
Median household income: $87,756
Household average mortgage cost: $2,617
Total monthly cost of living: $4,639
Property crimes: 2,163
Violent crimes: 182
34. Chandler, Arizona
Median household income: $99,374
Household average mortgage cost: $3,227
Total monthly cost of living: $5,239
Property crimes: 5,086
Violent crimes: 513
44. Mesa, Arizona
Median household income: $73,766
Household average mortgage cost: $2,695
Total monthly cost of living: $4,694
Property crimes: 9,081
Violent crimes: 2,193
