The Most Livable City in Every State and What It Will Cost You

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The Most Livable City in Every State and What It Will Cost You

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When we think about which city in the U.S. we’d like to live in, our minds may turn to what the city has to offer in terms of livability. Is there low ******? Does it have clean air? Is transportation safe and convenient? How are the schools? The list goes on.

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And then, of course, there are the financial issues. Is housing reasonably priced? What about all the other factors that go into

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, like healthcare, food and utilities? Livability comprises all the factors that determine whether you’re likely to have a prosperous life, both in terms of money and other meaningful matters.

For this study, GOBankingRates found the most livable city in each state and how much it costs to live there. To do this, GOBankingRates found the livability index for each city recording the city with the highest livability index. For each city, a number of factors were found including, the household median income, the average expenditure cost and the average monthly mortgage cost to determine the total monthly average cost of living in these most livable cities.

Cities are ranked from highest to lowest total cost of living monthly. Keep reading to find out the most livable city

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.

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Cupertino, California

Household median income: $223,667

Livability: 88  

Expenditure monthly average cost: $2,412  

Mortgage monthly average cost: $19,061

Total cost of living monthly: $21,472   

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Lexington, Massachusetts

Household median income: $206,323

Livability: 92  

Expenditure monthly average cost: $2,191   

Mortgage monthly average cost: $9,998

Total cost of living monthly: $12,189

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Kailua, Hawaii

Household median income: $138,363

Livability: 83

Expenditure monthly average cost: $2,583   

Mortgage monthly average cost: $9,243

Total cost of living monthly: $11,826

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Bozeman, Montana

Household median income: $74,113

Livability: 87

Expenditure monthly average cost: $2,102   

Mortgage monthly average cost: $5,008  

Total cost of living monthly: $7,109

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Wilton Manors, Florida

Household median income: $81,424

Livability: 91

Expenditure monthly average cost: $2,210  

Mortgage monthly average cost: $4,585

Total cost of living monthly: $6,794

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Lafayette, Colorado

Household median income: $105,819

Livability: 90

Expenditure monthly average cost: $1,946

Mortgage monthly average cost: $4,434

Total cost of living monthly: $6,380

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University Park, Maryland

Household median income: $191,205

Livability: 93

Expenditure monthly average cost: $2,236

Mortgage monthly average cost: $4,030

Total cost of living monthly: $6,266

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Sherwood, Oregon

Household median income: $109,770

Livability: 92

Expenditure monthly average cost: $2,102

Mortgage monthly average cost: $3,974

Total cost of living monthly: $6,076

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Freeport, Maine

Household median income: $76,012

Livability: 88

Expenditure monthly average cost: $1,928

Mortgage monthly average cost: $3,911

Total cost of living monthly: $5,839

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Cary, North Carolina

Household median income: $125,317

Livability: 90

Expenditure monthly average cost: $1,915

Mortgage monthly average cost: $3,861

Total cost of living monthly: $5,776

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Avondale Estates, Georgia

Household median income: $136,250

Livability: 87

Expenditure monthly average cost: $2,212

Mortgage monthly average cost: $3,562

Total cost of living monthly: $5,773

Pictured: Decatur, Georgia

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Kaysville, Utah

Household median income: $121,867

Livability: 89

Expenditure monthly average cost: $1,887

Mortgage monthly average cost: $3,845

Total cost of living monthly: $5,733

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Household median income: $94,360

Livability: 90

Expenditure monthly average cost: $2,085

Mortgage monthly average cost: $3,582

Total cost of living monthly: $5,667

Pictured: Vancouver, Washington

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Gilbert, Arizona

Household median income: $115,179

Livability: 89

Expenditure monthly average cost: $2,076

Mortgage monthly average cost: $3,513

Total cost of living monthly: $5,589

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Whitefish Bay, Wisconsin

Household median income: $142,356

Livability: 93

Expenditure monthly average cost: $1,973

Mortgage monthly average cost: $3,577

Total cost of living monthly: $5,549

Pictured: Milwaukee, Wisconsin

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Pompton Lakes, New Jersey

Household median income: $113,781

Livability: 92

Expenditure monthly average cost: $2,244

Mortgage monthly average cost: $3,013

Total cost of living monthly: $5,258

Pictured: Patterson, New Jersey

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Grandview Heights, Ohio

Household median income: $100,833

Livability: 94

Expenditure monthly average cost: $1,902

Mortgage monthly average cost: $3,334

Total cost of living monthly: $5,236

Pictured: Columbus, Ohio

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Jenkintown, Pennsylvania

Household median income: $118,750

Livability: 94

Expenditure monthly average cost: $2,115

Mortgage monthly average cost: $3,083

Total cost of living monthly: $5,197

Pictured: Philadelphia, Pennsylvania

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Los Alamos, New Mexico

Household median income: $130,342

Livability: 81

Expenditure monthly average cost: $1,706

Mortgage monthly average cost: $3,479

Total cost of living monthly: $5,184

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Sitka, Alaska

Household median income: $95,261

Livability: 85

Expenditure monthly average cost: $2,188

Mortgage monthly average cost: $2,946

Total cost of living monthly: $5,134

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New Milford, Connecticut

Household median income: $70,625

Livability: 85

Expenditure monthly average cost: $2,166

Mortgage monthly average cost: $2,833

Total cost of living monthly: $4,999

Pictured: Danbury, Connecticut

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Post Falls, Idaho

Household median income: $71,042

Livability: 88

Expenditure monthly average cost: $1,850

Mortgage monthly average cost: $2,993

Total cost of living monthly: $4,843

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Pittsford, New York

Household median income: $116,250

Livability: 93

Expenditure monthly average cost: $2,033

Mortgage monthly average cost: $2,795

Total cost of living monthly: $4,828

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Las Vegas

Household median income: $66,356

Livability: 82

Expenditure monthly average cost: $2,165

Mortgage monthly average cost: $2,653

Total cost of living monthly: $4,819

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Montpelier, Vermont

Household median income: $76,143

Livability: 83

Expenditure monthly average cost: $2,085

Mortgage monthly average cost: $2,609

Total cost of living monthly: $4,694

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Hoover, Alabama

Household median income: $101,765

Livability: 83

Expenditure monthly average cost: $2,051

Mortgage monthly average cost: $2,600

Total cost of living monthly: $4,652

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Cranston, Rhode Island

Household median income: $83,123

Livability: 85

Expenditure monthly average cost: $2,076

Mortgage monthly average cost: $2,528

Total cost of living monthly: $4,603

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Concord, New Hampshire

Household median income: $77,874

Livability: 88

Expenditure monthly average cost: $1,866

Mortgage monthly average cost: $2,642

Total cost of living monthly: $4,508

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Newark, Delaware

Household median income: $67,738

Livability: 83

Expenditure monthly average cost: $2,209

Mortgage monthly average cost: $2,103

Total cost of living monthly: $4,312

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Cheyenne, Wyoming

Household median income: $74,989

Livability: 83

Expenditure monthly average cost: $2,034

Mortgage monthly average cost: $2,196

Total cost of living monthly: $4,230

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Brandon, South Dakota

Household median income: $101,747

Livability: 87

Expenditure monthly average cost: $1,881

Mortgage monthly average cost: $2,272

Total cost of living monthly: $4,152

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Denton, Texas

Household median income: $71,921

Livability: 85

Expenditure monthly average cost: $1,940

Mortgage monthly average cost: $2,207

Total cost of living monthly: $4,147

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Simpsonville, South Carolina

Household median income: $79,937

Livability: 86

Expenditure monthly average cost: $1,891

Mortgage monthly average cost: $2,197

Total cost of living monthly: $4,088

Pictured: Greenville, South Carolina

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Lawrence, Kansas

Household median income: $59,834

Livability: 88

Expenditure monthly average cost: $2,158

Mortgage monthly average cost: $1,867

Total cost of living monthly: $4,025

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Oxford, Mississippi

Household median income: $56,784

Livability: 88

Expenditure monthly average cost: $1,869

Mortgage monthly average cost: $2,120

Total cost of living monthly: $3,989

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Ankeny, Iowa

Household median income: $101,151

Livability: 92

Expenditure monthly average cost: $1,896

Mortgage monthly average cost: $2,079

Total cost of living monthly: $3,975

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West Lafayette, Indiana

Household median income: $30,317

Livability: 90

Expenditure monthly average cost: $1,793

Mortgage monthly average cost: $2,143

Total cost of living monthly: $3,936

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Rogers, Arkansas

Household median income: $78,075

Livability: 88

Expenditure monthly average cost: $1,825

Mortgage monthly average cost: $2,083

Total cost of living monthly: $3,908

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Metairie, Louisiana

Household median income: $72,070

Livability: 85

Expenditure monthly average cost: $2,065

Mortgage monthly average cost: $1,754

Total cost of living monthly: $3,819

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Rochester, Minnesota

Household median income: $83,973

Livability: 92

Expenditure monthly average cost: $1,829

Mortgage monthly average cost: $1,989

Total cost of living monthly: $3,818

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Clarksville, Tennessee

Household median income: $62,688

Livability: 83

Expenditure monthly average cost: $1,895

Mortgage monthly average cost: $1,828

Total cost of living monthly: $3,723

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Bellevue, Washington

Household median income: $79,839

Livability: 87

Expenditure monthly average cost: $1,995

Mortgage monthly average cost: $1,715

Total cost of living monthly: $3,710

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Clawson, Michigan

Household median income: $82,713

Livability: 92

Expenditure monthly average cost: $1,967

Mortgage monthly average cost: $1,709

Total cost of living monthly: $3,676

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Fargo, North Dakota

Household median income: $64,432

Livability: 84

Expenditure monthly average cost: $1,825

Mortgage monthly average cost: $1,823

Total cost of living monthly: $3,648

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Norman, Oklahoma

Household median income: $62,849

Livability: 83

Expenditure monthly average cost: $1,991

Mortgage monthly average cost: $1,536

Total cost of living monthly: $3,527

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Maplewood, Missouri

Household median income: $58,448

Livability: 87

Expenditure monthly average cost: $1,899

Mortgage monthly average cost: $1,566

Total cost of living monthly: $3,465

Pictured: St. Louis, Missouri

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Lynchburg, Virginia

Household median income: $56,243

Livability: 91

Expenditure monthly average cost: $1,856

Mortgage monthly average cost: $1,516

Total cost of living monthly: $3,371

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Bellevue, Kentucky

Household median income: $66,741

Livability: 92

Expenditure monthly average cost: $1,958

Mortgage monthly average cost: $1,388

Total cost of living monthly: $3,346

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DenisTangneyJr / Getty Images

Jerome, Illinois

Household median income: $52,083

Livability: 92

Expenditure monthly average cost: $1,902

Mortgage monthly average cost: $841

Total cost of living monthly: $2,743

Pictured: Springfield, Illinois

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DenisTangneyJr / Getty Images/iStockphoto

Nutter Fort, West Virginia

Household median income: $56,125

Livability: 87

Expenditure monthly average cost: $1,929

Mortgage monthly average cost: $757

Total cost of living monthly: $2,685

Pictured: Fairmont, West Virginia

Methodology. For this study, GOBankingRates found the most livable city in each state and how much it costs to live there. First GOBankingRates found the livability index for each city recording the city with the highest livability index. For each city a number of factors were found including; total population, total households, household median income all sourced from the US Census ********* Community Survey, the average single family home value from May 2024 as sourced from Zillow Home Value Index, the cost of living indexes as sourced from Sperlings BestPlaces, and the livability index as sourced from AreaVibes. Using the cost of living indexes and the average expenditure costs as sourced from the Bureau of Labor Statistics Consumer Expenditure Survey for all residents, the average expenditure cost for each city can be calculated. Using the average home value, assuming a 10% downpayment, and by using the national average 30-year fixed mortgage rate as sourced from the Federal Reserve Economic Data, the average mortgage cost can be calculated. Using the mortgage and expenditure cost, the total monthly average cost of living can be calculated. All data was collected on and is up to date as of July 8th, 2024.

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