In an era where urban sprawl and big-city hustle dominate headlines, smaller cities are quietly carving out a compelling case for relocation. These mid-sized communities—typically home to 25,000 to 100,000 residents—often deliver the perks of metropolitan life without the gridlock, sky-high rents, or anonymity. Think shorter commutes, tighter-knit neighborhoods, and budgets that stretch further, all while maintaining access to quality jobs, schools, and amenities.
To pinpoint the cream of the crop, financial site WalletHub analyzed 1,318 such cities across the U.S., scoring them on five key pillars: affordability, economic health, education and health, quality of life, and safety. Metrics ranged from median housing costs and unemployment rates to high school graduation figures and park access. The verdict? The top performers aren't just surviving—they're thriving, blending fiscal prudence with vibrant lifestyles.
"The best small cities offer strong job markets, high-quality education, good health care, safe living conditions, and plenty of local flair to help you achieve a high quality of life," WalletHub analyst Chip Lupo explained. "While small cities may lack some advantages of big cities, like robust public transportation systems, they make up for these shortcomings in other areas."
Here's the WalletHub top 10 for 2025, ranked from best to 10th. Each stands out for its unique blend of growth, stability, and resident-friendly features—perfect for families, young professionals, or anyone eyeing a fresh start.
## 1. Carmel, Indiana
Carmel claims the crown as America's premier small city, fusing robust household incomes with an enviable 90%+ homeownership rate—one of the nation's highest. Its schools shine with near-98% graduation rates, and the population skews highly educated. What sets it apart? Ultra-safe neighborhoods, a burgeoning cultural scene with theaters and festivals, and lightning-fast income growth. If you're after Midwestern charm with upscale edges, this is it.
## 2. Brookfield, Wisconsin
Just shy of the top spot, Brookfield boasts a median household income topping $124,000 and an 82% homeownership rate. Education is a standout, with some of the country's loftiest high school graduation and diploma attainment rates. Low unemployment keeps the economy humming, making it a haven for those prioritizing stability and work-life balance in the Badger State.
## 3. Apex, North Carolina
Southern appeal meets explosive opportunity in Apex, where the workforce has ballooned nearly 30% alongside the population. Median incomes exceed $135,000, yet housing remains surprisingly affordable relative to earnings. Top-tier schools and high graduation rates draw families, cementing its status as a Research Triangle gem that's equal parts innovative and inviting.
## 4. Lexington, Massachusetts
This historic New England enclave is a wealth powerhouse, with median household incomes soaring past $200,000. Education metrics are elite: nearly 100% high school graduation and diploma rates, backed by nationally acclaimed schools. Community health is robust, poverty and unemployment are minimal, and though the cost of living bites, it's a perennial favorite for affluent families seeking intellectual and recreational depth near Boston.
## 5. Westfield, Indiana
Fast on the heels of its neighbor Carmel, Westfield is exploding with job growth over 33% and household incomes approaching $120,000. High homeownership and stellar graduation rates make it a family magnet, while its central Indiana location offers easy access to urban perks without the chaos. It's the epitome of Hoosier heartland progress.
## 6. Fishers, Indiana
Indiana dominates the list, and Fishers exemplifies why: high incomes pair with affordable living costs, a 77% homeownership rate, and rock-bottom unemployment and poverty figures. Schools graduate nearly 98% of students, and community health initiatives keep residents thriving. For opportunity seekers who value stability, this suburb-turned-powerhouse delivers.
## 7. Brentwood, Tennessee
Nestled near Nashville, Brentwood ranks among the wealthiest small cities, with incomes nearing $185,000 and a 90%+ homeownership rate. Graduation rates top 97%, and green spaces abound—think parks and fitness hubs galore. Low poverty and a safe vibe persist even amid rapid expansion, ideal for Music City commuters craving suburban serenity.
## 8. Saratoga Springs, New York
Upstate New York's cultural jewel, Saratoga Springs punches above its weight with an abundance of museums, theaters, and arts venues—far more than most peers. Unemployment is low, educational attainment is strong, and schools boast high graduation rates. Plentiful parks offset a slightly lower median income, blending historic allure with family-focused living.
## 9. Appleton, Wisconsin
Affordability is Appleton's ace, with a low cost of living and housing that eases the path to ownership. Graduation rates exceed 94%, safety is a hallmark, and steady population growth fuels a balanced economy. It's a Fox Valley standout for those who want work-life harmony without frills—or the frostbitten winters of bigger metros.
## 10. Lehi, Utah
Rounding out the list, Lehi is a growth machine: population up over 30%, jobs surging 46%. Median incomes clear $125,000, with 80% homeownership and solid schools yielding high graduation rates. Short commutes and outdoor escapes—like nearby mountains and trails—make it a Silicon Slopes darling for tech-savvy adventurers.
These rankings underscore a broader trend: Small cities are rebounding post-pandemic, attracting remote workers and families fleeing coastal crunch. Whether you're plotting a move or just daydreaming, they prove that less can indeed be more—more affordable, more connected, more livable. For the full WalletHub report, check out their methodology and data dives.