Top Small Cities to Live in America in 2025: WalletHub Ranks Carmel, Brookfield, and Apex as the Best
A comprehensive WalletHub report highlights the top 1,300 small U.S. cities for quality of life, affordability, education, safety, and economic strength.
The personal finance website WalletHub has released its annual report on the best small cities to live in the United States for 2025, spotlighting 1,300 cities with populations ranging between 25,000 and 100,000 residents.
The ranking is based on 45 indicators across five key categories:
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Affordability
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Economic strength
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Education and health
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Quality of life
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Safety
The data comes from official sources, including the U.S. Census Bureau, the Bureau of Labor Statistics, and the Federal Bureau of Investigation (FBI).
Carmel, Indiana — #1
Topping the list is Carmel, Indiana, recognized for its robust economy and high standard of living. The city has an unemployment rate of just 3.3%, and a median household income of $135,000 per year. Residents also enjoy one of the highest average credit scores in the country at 775. Health indicators are also strong, with low rates of chronic illness and early mortality, as well as a lower-than-average traffic accident rate.
Brookfield, Wisconsin — #2
Brookfield takes second place thanks to its low unemployment rate (2.7%), low poverty rate (3.5%), and exceptional financial stability. With an average credit score of 782 and 98% health insurance coverage, Brookfield ranks among the healthiest communities in the nation.
Apex, North Carolina — #3
Apex ranks third, driven by rapid job growth, low unemployment, and excellent educational outcomes. The city boasts a median household income of over $138,000, as well as top-rated schools and high educational attainment levels among its residents.
Other Top 10 Cities
The top 10 list also includes:
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Lexington, Massachusetts
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Westfield, Indiana
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Fishers, Indiana
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Brentwood, Tennessee
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Saratoga Springs, New York
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Appleton, Wisconsin
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Lehi, Utah
Why Small Cities Are Gaining Popularity
According to WalletHub analyst Chip Lupo, “Moving from bustling big cities to smaller towns can significantly reduce the cost of living. The best small cities offer strong job markets, quality education, reliable healthcare, safe environments, and a local character that enhances residents’ quality of life.”
WalletHub’s ranking is widely seen as a key resource for Americans seeking to improve their quality of life by relocating to smaller cities that balance affordability with strong economic and social conditions.
