{"id":20492,"date":"2013-11-19T02:00:14","date_gmt":"2013-11-19T10:00:14","guid":{"rendered":"https:\/\/www.movoto.com\/blog\/?p=20492"},"modified":"2013-11-19T02:00:14","modified_gmt":"2013-11-19T10:00:14","slug":"most-affordable-suburbs","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/most-affordable-suburbs\/","title":{"rendered":"The 10 Most Affordable Suburbs in America"},"content":{"rendered":"<p><\/a><\/p>\n<h3>Embed Gallery<\/h3>\n<p><textarea style=\"width:587px;height:100px\"><\/br><a href=\"https:\/\/www.movoto.com\/blog\/real-estate-and-more\/most-affordable-suburbs\/\">The 10 Most Affordable Suburbs in America<\/a> By Movoto Real Estate<\/textarea><br \/>\nAs we covered in our report last month on the <a href=\"https:\/\/www.movoto.com\/blog\/top-ten\/best-suburban-cities-in-america\/\" title=\"The Best Suburbs in America\" target=\"_blank\" rel=\"noopener noreferrer\">Best Suburbs in America<\/a>, there are a lot of reasons people choose to move from larger cities into surrounding metro areas\u2014or avoid large metros altogether. Those include crime, noise, and overcrowding, but another major factor is price. Not only can home prices be significantly higher in the big city, but so can the cost of everything from groceries to property taxes. That\u2019s why for this report we\u2019re focusing on the most affordable suburbs in the country to move to.<br \/>\nBased on our criteria and data from a survey of 139 unique suburban cities, the <a href=\"https:\/\/www.movoto.com\" title=\"Movoto Real Estate\" target=\"_blank\" rel=\"noopener noreferrer\">Movoto Real Estate<\/a> Blog concluded that <a href=\"https:\/\/www.movoto.com\/property\/ok\/oklahoma-city.html\" title=\"Oklahoma City Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Oklahoma City<\/a>\u2019s neighboring Midwest City, OK is the most affordable suburb in America. The full top 10 includes:<br \/>\n1. <a href=\"https:\/\/www.movoto.com\/property\/ok\/midwest-city.html\" title=\"Midwest City Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Midwest City, OK<\/a><br \/>\n2. <a href=\"https:\/\/www.movoto.com\/property\/ok\/moore.html\" title=\"Moore Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Moore, OK<\/a><br \/>\n3. Cimarron Hills, CO<br \/>\n4. <a href=\"https:\/\/www.movoto.com\/property\/tx\/pearland.html\" title=\"Pearland Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Pearland, TX<\/a><br \/>\n5. Greenwood, IN<br \/>\n6. Clarksville, IN<br \/>\n7. <a href=\"https:\/\/www.movoto.com\/property\/tx\/universal-city.html\" title=\"Universal City Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Universal City, TX<\/a><br \/>\n8. <a href=\"https:\/\/www.movoto.com\/property\/tx\/schertz.html\" title=\"Schertz Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Schertz, TX<\/a><br \/>\n9. Fishers, IN<br \/>\n10. <a href=\"https:\/\/www.movoto.com\/property\/tx\/cibolo.html\" title=\"Cibolo Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Cibolo, TX<\/a><br \/>\nThese suburbs all offer a unique combination of low cost of living, affordable homes, and other aspects that make them good choices for those looking to enjoy suburban living without spending a fortune doing it. We\u2019ll dig deeper into the specific criteria we used in making this report, and how each of these 10 cities fared across them, below.<\/p>\n<h2>How We Made This Report<\/h2>\n<p>In order to produce our ranking of the 10 most affordable suburbs in America, we first determined criteria that could be used to measure overall affordability. We decided on seven:<\/p>\n<ul>\n<li>Cost of living above\/below national average<\/li>\n<li>Cost of food above\/below national average<\/li>\n<li>Cost of utilities above\/below national average<\/li>\n<li>Housing affordability (ratio of median household income to median home price)<\/li>\n<li>Property tax rate percentage above\/below national average<\/li>\n<li>State income tax rate percentage above\/below national average<\/li>\n<li>Sales tax rate percentage above\/below national average<\/li>\n<\/ul>\n<p>We surveyed 139 suburbs in total, which comprise the largest suburbs of the 50 largest cities in the country. Once we had acquired our data from the U.S. Census, we gave each suburb a rating of one to 139 in our individual criteria, with one being the best possible score. Then, we averaged the individual criteria scores to arrive at an overall one to 139 score. This score determined our overall ranking.<br \/>\nOnce we had an overall ranking, the following cities emerged as the 10 best. Here are some specific details on why they fared so well:<\/p>\n<h2>1. Midwest City, OK<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/1.jpg\" width=\"587\" height=\"441\" alt=\"The Most Affordable Suburbs in America\" class \/><p class=\"wp-caption-text\">Source: Flickr user Raymond D. Woods, Jr.<\/p><\/div><br \/>\nLocated about eight miles east from the center of Oklahoma City, OK, Midwest City has the lowest overall cost of living of any suburb we surveyed at 18 points below the national average. The cost of food and utilities in this suburb are also considerably lower than average, at eight and 15 points below, respectively.<br \/>\nMidwest City also has the best home affordability in our top 10, with a median home price to median household income ratio of 1.73 to one. The median price for a home in the city is $76,600 while the median household income there is $44,396. Property taxes are 24 percent below the national average, while sales and state income tax are 56 and 17 percent above average, respectively.<\/p>\n<h2>2. Moore, OK<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/2.jpg\" width=\"587\" height=\"441\" alt=\"The Most Affordable Suburbs in America\" class \/><p class=\"wp-caption-text\">Source: City of Moore, OK<\/p><\/div><br \/>\nOur second-most affordable suburb is also in Oklahoma\u2014and also located just outside Oklahoma City. At 14 percent below the national average, Moore\u2019s overall cost of living is not quite as low as Midwest City\u2019s, but food and utilities there are obviously just about the same given their proximity.<br \/>\nHome affordability is slightly lower in Moore, at a median home price to median household income ratio of 1.97 to one. Homes there have a median cost of $106,100 compared to the median household income of $53,976. Property tax at 8.5 percent below the national average and sales tax at 60 percent above are slightly higher than in our top-ranked suburb, but state income tax\u2014as they\u2019re in the same state\u2014is the same at 5.5 percent, or 17 percent above the national average.<\/p>\n<h2>3. Cimarron Hills, CO<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/3.jpg\" width=\"587\" height=\"441\" alt=\"The Most Affordable Suburbs in America\" class \/><p class=\"wp-caption-text\">Source: Wikipedia user David Shankbone<\/p><\/div><br \/>\nThis suburb of <a href=\"https:\/\/www.movoto.com\/property\/co\/colorado-springs.html\" title=\"Colorado Springs Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Colorado Springs, CO<\/a> is the westmost suburb in our top 10. The cost of living there is six points below the national average, while food and utilities are seven and 10 percent below, respectively.<br \/>\nIn terms of housing affordability, the home price to income ratio in Cimarron Hills is 2.65 to one, with the median home price at $146,900 and the median household income at $55,406. Property taxes in the area are 53 percent below the national average, while sales tax\u2014at 48 percent above the national average\u2014is lower than in our top two suburbs. State income tax in the area is 4.63 percent, which is about 1.5 percent below the U.S. average.<\/p>\n<h2>4. Pearland, TX<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/4.jpg\" width=\"587\" height=\"441\" alt=\"The Most Affordable Suburbs in America\" class \/><p class=\"wp-caption-text\">Source: Wikipedia user Brian Reading<\/p><\/div><br \/>\nThe first of four Texas towns to make our top 10, Pearland is the only suburb of <a href=\"https:\/\/www.movoto.com\/property\/tx\/houston.html\" title=\"Houston Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Houston, TX<\/a> of the bunch. Its cost of food is the lowest in the top 10 suburbs at 18 points lower than the national average, while its utility costs are nine points below and overall cost of living is at six points less than average.<br \/>\nAt $168,100, the median home price in Pearland is the highest in our top 10, and paired with a median income of $75,945\u2014second-highest of the 10\u2014results in a home price to income affordability ratio of 2.21 to one. There\u2019s no state income tax in Texas, so that is a plus in the town\u2019s favor, whereas its property tax is 38 percent above the national average and its sales tax is 65 percent above.<\/p>\n<h2>5. Greenwood, IN<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/5.jpg\" width=\"587\" height=\"441\" alt=\"Source: Wikipedia user Nyttend\" class \/><p class=\"wp-caption-text\">The Most Affordable Suburbs in America<\/p><\/div><br \/>\nAs the first of two Indianapolis, IN suburbs in our top 10, Greenwood is only slightly closer to the capital of Indiana than Fishers, a town we\u2019ll be looking at a little further down. Greenwood also has a lower overall cost of living at six points below the national average, and lower utility costs at five points below average. Its cost of utilities, at seven points below average is slightly higher than Fishers by one point.<br \/>\nGreenwood\u2019s median home price to income level of 2.87 to one gives the suburb the least affordable housing in our top 10. Homes there have a median price of $147,600 while the median household income is $51,482. Property tax in Greenwood is eight points below the national average, while sales tax is 20 percent above, and state income tax is six percent below.<\/p>\n<h2>6. Clarksville, IN<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/6.jpg\" width=\"587\" height=\"441\" alt=\"The Most Affordable Suburbs in America\" class \/><p class=\"wp-caption-text\">Source: Wikipedia user Bedford<\/p><\/div><br \/>\nWhile Clarksville may be in Indiana, it\u2019s actually considered a suburb of <a href=\"https:\/\/www.movoto.com\/property\/ky\/louisville.html\" title=\"Louisville Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">Louisville, KY<\/a> given its proximity to that city of less than five miles\u2014just on the other side of the Ohio River. The cost of living in Clarksville is better than in Greenwood or Fishers, at 12 points lower than the national average. Food costs are 11 points lower, while utility costs are actually five points higher than the U.S. average\u2014the only above-average utility cost in our top 10.<br \/>\nDespite having the second-lowest median home price in our top 10\u2014$83,700\u2014the housing cost to income ratio in Clarksville is still 2.18 to one due to the town\u2019s median household income of $38,339, the lowest of the 10 most affordable suburbs. State income tax in the town is the second-highest of our top 10 cities at 15 percent above the national average, while sales tax is 20 percent above and property tax is eight percent below.<\/p>\n<h2>7. Universal City, TX<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/7.jpg\" width=\"587\" height=\"441\" alt=\"The Most Affordable Suburbs in America\" class \/><p class=\"wp-caption-text\">Source: United States Air Force<\/p><\/div><br \/>\nWhen it comes to the three suburbs of <a href=\"https:\/\/www.movoto.com\/property\/tx\/san-antonio.html\" title=\"San Antonio Homes for Sale\" target=\"_blank\" rel=\"noopener noreferrer\">San Antonio, TX<\/a> in our top 10, Universal City is the most affordable. Cost of living, food, and utilities are at 10, 15, and nine percent below the national averages, respectively.<br \/>\nThe smallest town in our top 10 at 14,849 residents, it has a ratio of home price to income of 2.27 to one. The median home price is $129,000 and the median household income is $56,812. Universal City\u2019s property tax is the highest in our top 10 at 72 percent above the national average. Sales tax is tired for the highest at 65 percent above average; Texas has no state income tax.<\/p>\n<h2>8. Schertz, TX<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/8.jpg\" width=\"587\" height=\"441\" alt=\"The Most Affordable Suburbs in America\" class \/><p class=\"wp-caption-text\">Source: Google Maps<\/p><\/div><br \/>\nAnother San Antonio suburb, Schertz is about twice the size of Universal City, but is actually more affordable in terms of food and utility costs. Those are 16 and 11 percent below the national average, respectively, while the overall cost of living is four percent below.<br \/>\nHomes in Schertz have a median price of $161,000, which when compared to the median household income of $65,650 creates a housing cost to income ratio of 2.45 to one. As with Universal City, there\u2019s no state income tax; sales tax and property tax are at 65 percent and 41 percent above the national average, respectively.<\/p>\n<h2>9. Fishers, IN<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/9.jpg\" width=\"587\" height=\"441\" alt=\"The Most Affordable Suburbs in America\" class \/><p class=\"wp-caption-text\">Source: Wikipedia user Derek Jensen<\/p><\/div><br \/>\nAs we mentioned earlier, Fishers is a suburb of Indianapolis, and as you can tell by its ranking in out top 10, it\u2019s considerably less affordable than Greenwood. In fact, it has the only above-average overall cost of living out of the 10 most affordable suburbs at seven points higher than the national average. Food and utility costs, on the other hand, are below average to the tune of eight and four points lower, respectively.<br \/>\nThere\u2019s a two to one housing price to income affordability ratio in Fishers, with the median home price at $168,000 and the median household income at $83,950\u2014the highest in our top 10. Property tax is six percent above the national average, while sales tax is 20 percent higher and state income taxes are 94 percent more.<\/p>\n<h2>10. Cibolo, TX<\/h2>\n<p><div style=\"width: 597px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/images\/10.jpg\" width=\"587\" height=\"441\" alt=\"The Most Affordable Suburbs in America\" class \/><p class=\"wp-caption-text\">Source: Google Maps<\/p><\/div><br \/>\nThe final suburb to make our top 10, Cibolo is the third located within proximity of San Antonio. It also has the highest overall cost of living of the three, at three points below the national average. Its cost of food is considerably better, however, at 16 points below average, while its utility costs are 11 points below.<br \/>\nHomes prices in Cibolo have a median value of $167,100 while the median household income is $70,183, for an affordability ratio of 2.38 to one. Property tax is 41 percent above the national average, while sales tax is 65 percent above. Since this is a town in Texas, there\u2019s no state income tax.<\/p>\n<h2>Overall<\/h2>\n<p>It\u2019s worth noting that while we didn\u2019t factor livability into our calculations for this ranking, those looking to relocate to any of these suburbs can an anticipate them being above average in terms of safety, amenities, education, and other important factors. Of course, their affordability is always open to change given fluctuations in the housing market and the economy as a whole, but for now these suburbs are just about as affordable as one can expect.<br \/>\n<a href=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/table.html\" target=\"_blank\" rel=\"noopener noreferrer\">(click to enlarge)<\/a><br \/>\n<a href=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/table.html\" target=\"_blank\" rel=\"noopener noreferrer\"><img decoding=\"async\" alt=\"Most Affordable Suburbs in America\" src=\"http:\/\/s3.amazonaws.com\/movotoblog\/2013\/11\/affordable-suburbs\/affordable-suburbs-table.png\" title=\"The 10 Best Cities for Home Sellers\" class=\"aligncenter\" style=\"width:100%\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Embed Gallery The 10 Most Affordable Suburbs in America By Movoto Real Estate As we covered in our report last month on the Best Suburbs in America, there are a lot of reasons people choose to move from larger cities into surrounding metro areas\u2014or avoid large metros altogether. Those include crime, noise, and overcrowding, but another major factor is price. Not only can home prices be significantly higher in the big city, but so can the cost of everything from groceries to property taxes. That\u2019s why for this report we\u2019re focusing on the most affordable suburbs in the country to [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":20502,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[50,57],"tags":[],"class_list":["post-20492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-top-places","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The 10 Most Affordable Suburbs in America<\/title>\n<meta name=\"description\" content=\"We\u2019ve shown you the best places to escape from the big city to, now find out which suburbs you can move to without breaking the bank.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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