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the most livable cites in the u.s.

What makes a city a great place to live? You’ll probably get a different answer from every person you ask. But there are some factors that the majority of people would agree makes a city livable. For example you probably want your city to be affordable, to have access to jobs and to be safe. Below SmartAsset ranks the most livable cities in the United States based on cost of living, economic indicators and more.

Looking to buy a new home? Check out current mortgage rates.

In order to find the most livable cities in America, we looked at data on six metrics. We looked at unemployment rates, income after housing costs, population density, property and violent crime rates and walkability. Check out our data and methodology section below to see where we got our data and how we put it together.

This is the second annual study of the most livable cities in the U.S. Check out last year’s version here.

Key Findings

  • Mid-sized cities – We analyzed the largest 100 cities in the U.S. so all the cities in our data set are pretty big, but the (relatively) mid-sized cities tended to rank higher. The largest city to crack our top 10 was Honolulu, which has the 55th-largest population.
  • Midwest is not best? – Madison is a great spot and made our top 10 list, but five of the bottom 15 cities are also in the Midwest. Ohio particularly struggled in this study, with Cleveland, Toledo and Cincinnati all ranking in the bottom 15.

most livable cities in the US

1. Arlington, Virginia

Arlington, Virginia is the most livable city in the United States in 2017. In order to live comfortably in any city you will need a steady income stream. Arlington offers its residents just that. The unemployment rate is only 2.8%. Plus, after paying for housing costs, the average resident will have about $40,000 in income.

That comfortable gap between average income and housing costs means there should be plenty left over for Arlington residents to invest in their 401(k)s or save for retirement.

2. Fremont, California

Fremont jumped seven spots from last year’s ranking to be the second-most livable city in the country. If you’re looking for a safe place to live, Fremont is a great option. This city has top 10 scores in both property crime rate and violent crime rate.

But Fremont is more than a safe place to live. It offers residents plenty of access to opportunity. The average resident here has about $23,700 after paying for housing. It scores in the top 5 for that metric. Plus, only 3.2% of residents are unemployed. The downside to living in Fremont is that you will likely need a car to get around. This city has the lowest population density in our top 10 and a walkability score of only 44.

3. Plano, Texas

For the second consecutive year, Plano ranked third. The Texas city is an economic juggernaut in our top 10. Residents earn $45,000 on average and median housing costs $17,000 per year. This means the average Plano resident has around $28,000 after housing costs. Plano ranks second in that metric.

In terms of employment, there seems to be plenty of jobs. Only 4.1% of residents are unable to find work. Another plus for all those hard workers in Plano: Texas has no state income tax.

4. Jersey City, New Jersey

Last year’s winner, Jersey City, dropped to fourth in 2017. Jersey City is a walkable city with good public transportation links to New York City and other parts of New Jersey.

The link to New York is a double-edged sword, however. It means good access to jobs but raises the cost of living. The average Jersey City resident should have about $19,000 left after paying for housing – a top-20 rate. Overall Jersey City has a walkability score of 87, the second-highest in our study.

5. Irvine, California

According to our data, Irvine is even safer than Fremont. This southern California city has the lowest violent crime rate in our study and the second-lowest property crime rate. So, if safety is your prime concern and you’re considering a move to a new city, put Irvine on your radar.

Irvine residents are also doing decently economically. After paying for housing costs, the average resident has $18,400 left.

6. Chandler, Arizona

The first of two Arizona cities to crack our top 10 list, Chandler has four top 15 scores. The average resident has about $22,000 in income after paying for housing costs and only 3.8% of people are unemployed. This city also is a safe one, ranking ninth in lowest violent crime rate.

Chandler took its biggest hit when it comes to walkability. This is definitely a city where you’ll need a car to get around easily.

7. Honolulu, Hawaii

It is no surprise that Honolulu ranks on this study. The capital of the last state to join the union comes with some of the best surf in the world, breath-taking beaches and top-notch hiking trails. But Honolulu has more to offer than stunning natural wonders. It scored well in safety and job opportunity for starters. This city has the 11th-lowest violent crime rate in our study and an unemployment rate of only 4.1%.

Watch out though, living in paradise comes at a cost. Our data shows that after paying for housing, the average resident has $15,400 left, that’s a below-average score.

8. Irving, Texas

Located in the Dallas metro area, Irving is a bustling Texas city. It has top 10 scores in both unemployment rate and violent crime rate. Residents here also tend to do well when it comes to earning. After paying for housing, we estimate that Irving residents should have about $17,000. That should allow residents to get a head start on saving for retirement or a down payment on a house.

9. Madison, Wisconsin

The only Midwest city on this top 10 list comes in ninth, down one spot from last year. Madison is a relatively walkable city, especially in the warmer months. The city also scores well in unemployment – only 3.8% of residents are unemployed. It ranks in the top 10 for that metric.

It’s also a safe city, with top 30 scores in both of our crime metrics.

10. Scottsdale, Arizona

Our list ends in Scottsdale, the second Phoenix metro area city to appear in our top 10. Scottsdale scores better than Chandler in a few metrics, including income after housing and unemployment rate. Scottsdale ranks third in both those metrics.

However, living in Scottsdale means being entirely dependent on having a car. Scottsdale has a walkability score of only 32, the lowest in our top 10 and a population density of only 2,200 people per square mile.

most livable cities in the US

Data and Methodology

In order to find the most livable cities in the U.S., we analyzed data on the 100 largest cities. Specifically, we looked at data for the following six factors:

  • Walkability. This is calculated on a 0-100 scale. A lower number means the city is less walkable and a higher number means it’s more walkable. Data comes from walkability.com
  • Violent crime rate. This is the violent crime rate per 100,000 residents. Data comes from the 2015 and 2014 FBI Uniform Crime Reporting Database.
  • Property crime rate. This is the property crime rate per 100,000 residents. Data comes from the 2015 and 2014 FBI Uniform Crime Reporting Database.
  • Unemployment rate. Data comes from the Census Bureau’s 2016 1-year America Community Survey.
  • Population density. Data on city area comes from the 2010 Census Summary File and data on population comes from the 2016 1-Year American Community Survey. We rated denser cities as more livable.
  • Income after housing. This is the median individual income minus the median housing costs. Data comes from the Census Bureau’s 2016 1-Year America Community Survey.

First we ranked each city in each metric. Next, we found each city’s average ranking. We gave each metric full weight, except population density which we gave a half weight. Then we used the average ranking to create our final score. The city with the best average ranking received a score of 100. The city with the worst average ranking received a 0.

Note: Seven cities (Arlington, Scottsdale, Fort Worth, Glendale, Wichita, Toledo and Tucson) that were not included in last year’s study due to lack of data availability are included in this year’s study.

Tips for Saving on Housing

Housing costs are typically the largest part of one’s budget so there’s lots of room to save here.

  • Save on energy costs by carefully monitoring the temperature in your house. Turning down the heat at night can save you a decent chunk in winter. And turn down the AC and leave your home a bit warmer during the summer months. You could also consider weatherproofing your doors and windows. That will help to keep energy costs down, as well.
  • How about finding a roommate? In past studies, we found that living with a roommate in certain cities could lead to savings of thousands of dollars a year. Check out this list of roommate-finding sites to make the roommate search easier.
  • Finally, consider cutting your cable package. Many cable bundles can cost hundreds of dollars a month. Subscriptions to Netflix, Hulu and maybe a premium streaming service like HBO GO, lets you watch all the shows you want for much less.

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

Photo credit: ©iStock.com/pixelfit

Derek Miller, CEPF® Derek Miller is a graduate of the University of Edinburgh where he studied economics. He is passionate about using data to help people make better financial decisions. Derek is a Certified Educator in Personal Finance® (CEPF®) and a member of the Society of American Business Editors and Writers. He is a data journalist whose expertise is in finding the stories within the numbers. Derek's writing has been featured on Yahoo, AOL, and Huffington Post. He believes the biggest financial mistake people make is waiting too late to save for retirement and missing out on the wonders of compounding interest. Derek lives in Brooklyn.
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