Choosing where to live is a profound decision, often influenced by two primary considerations: safety and affordability. A city’s safety profile is best reflected in its low crime rates, especially from violent crimes such as assault or robbery. Cities with lower crime rates often boast a strong sense of community and proactive law enforcement, while places with high affordability offer residents lower costs in areas such as housing, utilities, and groceries. A city that guarantees both safety and a reduced cost of living can substantially elevate one’s quality of life. This guide shines a light on cities that embody these principles.

10
Olathe, Kansas

Population: 141,290
Safety rank: 63rd (safe in terms of low robbery crime and low property crime)
Cost of living rank: 81st (average cost of living/month: $3,496)
Safest and cheapest neighborhood: Mill Creek Meadows

Olathe claims its proud position in northeastern Kansas, seamlessly blending into the Kansas City metropolitan canvas. When you’re craving the bustling vibes of Kansas City’s city center, it’s just 20 miles away. Public transportation gracefully gets you there in approximately one hour on days when traffic congestion is at its peak. The heartbeat of Olathe is its vibrant community and many attribute this bond to top-tier public schools and a calendar of family-centric events. Outdoor enthusiasts revel in Olathe’s local parks, while community sports leagues attract participants of all ages. And for the artistically inclined, Olathe’s thriving arts arena—with its community theater and arts festivals—beckons.

The city’s safety network is meticulously constructed through an integration of community-centered policing, a vigilant Neighborhood Watch program, and the proactive “SAFE Olathe” alliance. These initiatives culminate in an environment with low crime rates, enabling children to play outside freely and evening walks to be a regular, worry-free activity.

Financial well-being finds a friend in Olathe. Everyday essentials like groceries are reasonably priced, and quality housing choices don’t demand deep pockets. This affordability lets residents indulge occasionally at a charming local eatery or dive into city-hosted recreational events without a pricey ticket.

Neighborhoods like Stone Creek, Heatherstone, Amber Hills Estates, Parkwood Hills, and Mill Creek Meadows offer reliability and peace for those prioritizing safety. Stone Creek charms families with its generous single-family homes. Heatherstone, with its chic cafes, is a magnet for the young and ambitious. With its sprawling ranch-style homes, Amber Hills Estates resonates with retirees and those who lean towards tranquility. Parkwood Hills stands out for its community diversity and convenient transport links. Mill Creek Meadows, meanwhile, stands a diverse haven drawing in both students and singles. Each neighborhood garners trust through various safety initiatives, whether its well-lit avenues or engaged community boards.

Ticking both the safety and affordability box leads many to Mill Creek Meadows. Home to a population of 6,000–7,000, the area offers a balanced mix of townhomes and single-family residences. The neighborhood is dotted with green pockets, ideal playgrounds for little ones. Commuters rely on buses and carpooling, with the central business district just a 35-minute ride away during peak hours. In essence, Mill Creek Meadows promises holistic living without straining the wallet.

9
Saint George, Utah

Population: 95,342
Safety rank: 64th (safe in terms of low robbery crime and low property crime)
Cost of living rank: 71st (average cost of living/month: $3,448)
Safest and cheapest neighborhood: Washington Fields

Saint George is nestled in southwestern Utah, near the Arizona border. Las Vegas, Nevada, the closest major metro, is approximately 120 miles away. The essence of Saint George is akin to discovering an untouched gem amidst nature. The backdrop features breathtaking red-rock mesas, and residents enjoy direct access to various outdoor adventures, from hiking to mountain biking. The community is closely knit, deeply values health and wellness, and regularly convenes for local high school sports events and vibrant farmer’s markets.

Saint George prides itself on its safety initiatives. With programs such as “Neighborhood Watch,” “Citizens Patrol,” and active community engagement by the police department, the city maintains commendable low crime rates. The atmosphere is so trusting that parents often let their children revel outdoors until dusk.

Affordability in Saint George contrasts sharply with the soaring costs of metropolitan life in larger cities. The city offers roomy residences that respect your finances. Additionally, given the reasonable cost of utilities and groceries and a surge in job opportunities, particularly in education and healthcare, the prospect of enjoying a comfortable lifestyle in this city is very attainable.

Delving into neighborhoods, Bloomington, Little Valley, Santa Clara, Ivins, and Washington Fields are notable mentions. Bloomington flourishes as a family-centric zone with good schools and lush parks. Little Valley is gaining momentum, especially among young professionals. With its mesmerizing views, Santa Clara is a favorite among retirees. Ivins offers a slower pace of life, making it perfect for those seeking calm and serenity.

Meanwhile, Washington Fields merges the best of suburban and rural and is ideal for those craving wide-open spaces. It’s a pragmatic option for people who prioritize safety and affordability. The community is expanding, housing families and singles in predominantly single-family homes and some townhouses. Parks are scattered through the area, adding to its green quotient—a bonus for families. Given the limited public transportation, a commute to the central business area is typically a 20–30 minute drive. Hence, Washington Fields presents an optimal equilibrium, inviting you to make it your home.

8
College Station, Texas

Population: 120,511
Safety rank: 51st (safe in terms of overall violent crime)
Cost of living rank: 82nd (average cost of living/month: $3,500)
Safest and cheapest neighborhood: Southwood Valley

College Station finds its home in East-Central Texas, nestled within Brazos County. This charming locale is positioned about 95 miles northwest of Houston. College Station exudes warmth, reminiscent of community gatherings and the lively spirit of Friday night football games. Life here is akin to a leisurely walk in a beautifully manicured park, with familiar faces discussing the Texas A&M Aggies or the latest school event. This family-oriented environment, rich in community events, fosters genuine bonds among its residents.

Safety in College Station stands out prominently. With programs like “National Night Out,” the “Blue Angel Program,” and the “Community Oriented Policing” initiative, there’s an evident emphasis on creating a secure environment. College Station is the kind of place where allowing your kids to cycle to a friend’s house doesn’t come with incessant clock-watching.

Affordability in College Station is refreshingly feasible. Not only does the housing market offer ample value, but daily essentials like grocery shopping are notably easier on the pocket. This economic relief means weekends can be filled with spontaneous getaways or smart savings for future investments.

If safety ranks high on your list, neighborhoods like Southwood Valley, Castlegate, Edelweiss Estates, Pebble Creek, and Shenandoah beckon. Southwood Valley boasts a mix of homes ideal for young families, while Castlegate seamlessly blends affluence with accessibility, attracting professionals and retirees alike. The amiable community of Edelweiss Estates, the luxury of Pebble Creek, and the balanced offerings of Shenandoah each hold distinct charm. The gamut of amenities, from cozy diners to bustling community centers, ensures residents find their perfect fit.

Southwood Valley stands out as a compelling choice for those seeking a blend of safety and affordability. Dominated by a cozy atmosphere, its streets are lined with family dwellings. Green pockets, parks, and schools make it ideal for children. Most locals prefer car commutes, and reaching the city center typically takes 15-20 minutes during peak times. In Southwood Valley, a peaceful lifestyle doesn’t come with a hefty price tag.

7
Rio Rancho, New Mexico

Population: 104,046
Safety rank: 65th (safe in terms of low robbery crime and low property crime)
Cost of living rank: 63rd (average cost of living/month: $3,402)
Safest and cheapest neighborhood: Northern Meadows

Rio Rancho is located in Sandoval County, adjacent to Albuquerque, New Mexico. Situated just 17 miles from downtown Albuquerque, a drive during rush hour will conveniently get you to the Albuquerque metro area in about 30–40 minutes, considering that public transport is sparse in these parts. The charm of Rio Rancho lies in its intimate, community-driven ambiance. Picture kids merrily cycling down tree-canopied streets while parents prep for weekend picnics in the local parks. It’s a city that offers a respite from urban clamor, fostering deep-rooted connections among its residents. Events, be they farmers’ markets or art exhibitions, have the warmth of a family reunion.

Safety is paramount in Rio Rancho. The “Block Captains” initiative ensures neighborhoods have a watchful eye on each other. Additionally, the city bolsters security with its “Vacation Watch” program and a dedicated Community Policing Unit. Such measures cultivate an environment where evening strolls are the norm and children joyfully play outdoors until the streetlights shimmer.

Financial ease is another of Rio Rancho’s allures. Spacious homes with generous yards are available at prices you’d pay for a compact condo in busier cities. Diverse dining experiences await without denting your finances. Such affordability empowers residents to indulge in spontaneous getaways, nearby attractions or save wisely for future endeavors.

Cabezon, Loma, Colorado, and Northern Meadows stand out when scouting for neighborhoods prioritizing safety, boasting family-centric settings and ample park spaces. High Resort presents both an upscale and secure environment, appealing to professionals and those savoring retirement. Enchanted Hills, with its contemporary homes fortified with extra security layers, is another noteworthy mention. Whether you’re raising a family or seeking a tranquil retirement, these neighborhoods, offering single-family homes and townhouses, cater to diverse needs.

Northern Meadows emerges as a prime pick when balancing safety with affordability. The neighborhood has a harmonious mix of families and professionals, single-family homes and duplexes. With local parks and shops adding to its appeal and the city center just a 30-to-40-minute commute away during peak hours, Northern Meadows perfectly encapsulates what many seek in a neighborhood; security without breaking the budget.

6
Surprise, Arizona

Population: 143,148
Safety rank: 35th (safe in terms of both low violent crime and low property crime)
Cost of living rank: 90th (average cost of living/month: $3,536)
Safest and cheapest neighborhood: Surprise Farms

Surprise, Arizona, sits within Maricopa County, roughly 45 minutes from Downtown Phoenix. Distanced less than 50 miles from Phoenix’s metropolitan heart, a bus journey during rush hour smoothly connects you to the city’s center in about one hour. Embarking on life in Surprise unveils a desert gem. The community’s bond is palpable, with residents uniting around local sports, underscoring the city’s emphasis on recreational activities. Beyond sports, the arts thrive here. Due to several academic institutions nearby, frequent live performances and galleries enrich the community’s familial atmosphere with youthful vigor.

Your sense of safety in Surprise is plainly visible. The city champions initiatives like the “Surprise Citizen Patrol” and the “Crime Free Multi-Housing Program” that actively engage citizens in creating a low-crime environment. The “Lock It or Lose It” campaign further underlines the city’s proactive stance against petty thefts. The familiar sights of early-morning joggers and evening family walkers demonstrates the community’s trust in its surroundings.

Financially, Surprise provides a welcome break. Whether it’s grocery shopping or navigating the housing market, the cost of living here doesn’t weigh heavily on the wallet. Dining doesn’t have to be costly, with many pocket-friendly local eateries scattered throughout the city. This balance between financial ease and communal spirit crafts a life rich in experience without the shadow of monetary concerns.

When prioritizing safety, neighborhoods such as Marley Park, Sierra Montana, Surprise Farms, Rancho Gabriela, and Sun City Grand stand out. Marley Park tempts families with its craftsman-style homes. Sierra Montana, spotlighting modern construction, resonates with young professionals. Surprise Farms, featuring expansive homes and parks, is family-centric. Rancho Gabriela caters predominantly to retirees, while Sun City Grand offers tranquility to those in their 50s and 60s. Each locale brings unique offerings, from community pools to scenic walking trails, amplifying daily pleasures.

Safety and affordability seamlessly come together in Surprise Farms. The neighborhood boasts meticulously maintained homes and has a diverse populace of 14,000–15,000, comprising families and young professionals. Recreational spaces like local parks and a vibrant dining scene are just around the corner. Proximity to the city center is an added perk, with a manageable 40-minute commute during peak hours, predominantly by car, given the limited public transportation avenues. In summary, Surprise Farms encapsulates the best of both worlds.

5
Lee’s Summit, Missouri

Population: 101,108
Safety rank: 30th (ranked 22nd safest city from violent crime)
Cost of living rank: 77th (average cost of living/month: $3,478)
Safest and cheapest neighborhood: Lakewood

Lee’s Summit lies in the southeastern quadrant of the Kansas City Metropolitan Area, Missouri. It stands approximately 20 miles from downtown Kansas City, with a typical public transportation commute spanning around an hour during peak hours. Life in Lee’s Summit is characterized by a communal vibrancy and peaceful ambiance. A stroll downtown reveals a canvas of local art and murals that accentuate the neighborhood’s charm. Regular community events are integral to the town’s way of life, fostering a sense of unity. Moreover, the city is home to top-tier schools that emphasize the all-round growth of their students.

Safety isn’t just a buzzword in Lee’s Summit; it’s a lived reality. Proactive community programs, including “Coffee with a Cop,” School Resource Officers,” and “Citizens Police Academy,” exemplify the police force’s commitment to the community. This collaborative approach has cultivated mutual trust between residents and law enforcement, ensuring a secure environment where individuals can thrive.

Financial prudence finds a friend in Lee’s Summit. The cost of living sits comfortably below that of many urban counterparts, encompassing more than just housing and groceries. You can easily find fresh produce at neighborhood farmers’ markets, striking a balance between budget-friendliness and backing local ventures. The city’s wealth of public parks and recreational zones means leisure doesn’t have to come with a hefty price tag. Here, financial flexibility isn’t a dream—it’s the norm.

Selecting the perfect neighborhood in Lee’s Summit is an exploration of diverse lifestyles. Winterset Park, with its vast recreational amenities, appeals to family-centric residents. Downtown Lee’s Summit, adorned with Victorian homes, caters to those with a penchant for historical elegance and commercial accessibility. With its stylish lofts, New Longview is a magnet for the young and upwardly mobile. Suppose waterfront living is your calling; Woodland Shores beckons, while Eagle Creek offers a range of architectural options to meet various preferences. These communities are security strongholds thanks to their engaged residents and neighborhood associations.

Lakewood distinguishes itself for those who value both affordability and safety. This neighborhood, which shelters between 3,000 and 4,000 residents, features several single-family homes and condos. Its recreational offerings span golf courses and lakes, making it a family-friendly environment. Commuting from Lakewood to the central business district typically takes around 30 minutes during busy hours, predominantly by car, as public transportation options are constrained. In essence, Lakewood strikes an ideal balance between cost-effective living and safety.

4
Provo, Utah

Population: 115,162
Safety rank: 16th (exceptionally safe in terms of both low violent crime and low property crime)
Cost of living rank: 91st (average cost of living/month: $3,546)
Safest and cheapest neighborhood: Grandview

Located in Utah County, Provo is roughly 45 miles from Salt Lake City to the south. Those yearning for the vibrancy of a metropolis can reach Salt Lake City within an hour by car. For those favoring public transportation, anticipate a commute of roughly 90 minutes during peak times. Provo exudes the ambiance of a tight-knit community, where the thrill of outdoor escapades seamlessly intertwines with intellectual pursuits. The Wasatch Range, a hiker’s haven, stands majestically at the city’s threshold, while cultural events at BYU further enrich Provo’s social tapestry. It’s no wonder young families find this city irresistibly alluring, given its emphasis on education and many wholesome activities.

Safety in Provo is not taken lightly. Initiatives such as “Community-Oriented Policing” and the proactive “Neighborhood Watch” are a testament to the city’s commitment to its residents’ security. Furthermore, the “Provo Cares” program addresses various community challenges, including safety issues, reinforcing the city’s dedication to creating a secure environment.

The affordability of Provo is undeniably appealing. Imagine indulging in a delightful dinner on a Friday night without the looming dread of rent expenses. Grocery shopping remains economical, and refueling your vehicle is generally lighter on the wallet. Additionally, local thrift shops are treasure troves, ensuring every dollar spent is worth investing.

Regarding neighborhoods renowned for safety and accessibility, River Bottoms, Grandview, Provost, Rock Canyon, and East Bay lead the line. River Bottoms, characterized by its larger homes, is a sanctuary for families valuing quietude and safety. Grandview caters to the younger populace with its modern apartments and compact houses. Provost resonates with an older demographic with its vintage, immaculately maintained homes. Nature enthusiasts will find solace in Rock Canyon’s scenic beauty, while East Bay stands out for its varied housing options and commuting convenience.

Grandview emerges as a top contender for those who give importance to safety and cost-effectiveness. This dynamic neighborhood, with a population of around 15,000, predominantly comprises young professionals and students. Its landscape is speckled with apartments, smaller homes, and refreshing green spaces. Given its proximity, a mere 20-minute commute suffices to reach the central business district during rush hours. Undoubtedly, Grandview showcases the best of Provo, making it an ideal residence for many.

3
Augusta, Georgia

Population: 202,081
Safety rank: 62nd (ranked 13th safest city from violent crime)
Cost of living rank: 29th (average cost of living/month: $3,250)
Safest and cheapest neighborhood: National Hills

Located on the boundary of Georgia and South Carolina, Augusta enjoys a scenic position alongside the Savannah River. This captivating city is a mere 145 miles away from Atlanta. Augusta vibrates with a heartwarming sense of community. On Friday evenings, the vibrant energy of high school football games draws residents from every corner. Weekends beckon you to embrace nature in the city’s lush parks, such as Pendleton King and Phinizy Swamp. Here, gardening is a cherished pastime, a testament to the city’s benevolent climate. Spring paints Augusta in a kaleidoscope of colors, leaving it radiant and invigorated.

Safety in Augusta stands on firm ground. The “Eyes on the Street” initiative, coupled with vigilant Neighborhood Watch Groups and the dedicated efforts of the Augusta Police’s Community Policing, work in tandem to bolster security. This dedication to protection creates a community where residents actively watch over each other, deepening their trust.

In Augusta, economic practicality is the norm. The city offers its residents the allure of spacious homes, some even featured with quaint picket fences, which might be a distant dream in bustling metropolises. Here, weekly grocery runs don’t burn a hole in the pocket but feel pleasantly routine. Local farmer’s markets, brimming with fresh produce, defy exorbitant pricing. The financial ease experienced in Augusta is akin to taking a deep, unburdened breath.

Exploring Augusta’s neighborhoods, Summerville, is a testament to history, boasting grand residences and offering budget-friendly options. West Augusta juxtaposes the old with the new, presenting a blend of traditional and contemporary homes catering to families and individuals.
Meanwhile, Forest Hills attracts a diverse demographic of young professionals and retirees. Those with an affinity for green spaces will cherish its proximity to the Forest Hills Golf Course. Lake Aumond is similar to Forest Hills, but its lakeside location makes it better. Montclair’s strategic location near Augusta University makes it a favored choice for academics and students.

National Hills should be on your radar if you’re scouting for a neighborhood that embodies both safety and affordability. This charming enclave is home to about 3,000 residents and comprises a harmonious blend of young professionals and families. With lush expanses and a child-friendly ambiance, it strikes the right balance between serene living and proximity to urban life. Located just 7 miles from the city center, during peak hours, a swift public transport ride will transport you to the city’s central business district in approximately 25–30 minutes. National Hills lets you enjoy peace and quiet without detaching you from the vibrant pulse of Augusta.

2
Sterling Heights, Michigan

Population: 134,346
Safety rank: 12th (exceptionally safe in terms of both low violent crime and low property crime)
Cost of living rank: 61st (average cost of living/month: $3,379)
Safest and cheapest neighborhood: Areas around 15 Mile Road

Sterling Heights is located in Macomb County, Michigan, approximately 26 miles north of Detroit. If you’re inclined to venture into the heart of Motor City, the SMART bus system reliably delivers you to downtown Detroit within an hour during peak commute times. The city shines as a mosaic of tight-knit communities framed by abundant green spaces. Imagine taking long walks on the weekends through Dodge Park or enjoying the art and music at the Sterlingfest Art and Music Fair. Exceptional public schools and an extensive public library are pillars for families’ educational and recreational engagement.

Community-based efforts have helped make Sterling Heights a safe place to live. Programs like the Citizens Police Academy and Neighborhood Watch are effective bulwarks against crime.
The upkeep of public spaces, such as the Nature Center, adds another layer to residents’ sense of security. It’s common to hear locals talk about their comfort on evening dog walks or allowing their children to play freely outside.

Sterling Heights provides its citizens with a more forgiving financial framework. Local farmers’ markets supply fresh produce without emptying your pockets, and housing options come at a price that lets you breathe easy. The spacious backyards here are the stuff of local legend—luxury living without the jaw-dropping price tag. This affordability enables you to shift your focus to what truly matters, whether your career aspirations or family life.

Regarding neighborhoods, Sterling Heights has something for everyone. Locations like Clinton River and Utica or thoroughfares such as 15 Mile Road and Dequindre Road offer various housing options. The serene Clinton River appeals to families, while Utica bursts with shops and eateries, making it a prime spot for singles or couples.

If you’re searching for a well-tempered balance of affordability and safety, areas around 15 Mile Road might be up your alley. This laid-back neighborhood attracts diverse people, from young professionals to established families. Housing varies from charming mid-century homes to modern construction. Your daily essentials are covered, from grocery stores to public parks. At peak hours, the SMART bus route only takes 40 minutes to reach Detroit’s downtown area.

1
McAllen, Texas

Population: 142,210
Safety rank: 19th (exceptionally safe in terms of low violent crime)
Cost of living rank: 2nd (average cost of living/month: $3,077)
Safest and cheapest neighborhood: Sharyland Plantation

McAllen is positioned at the southernmost tip of Texas, in the Rio Grande Valley. A journey to the closest metropolitan area, San Antonio, spans approximately 150 miles. McAllen captivates visitors and residents with its rich tapestry of culture, community diversity, and educational focus. Families relish weekend picnics in lush parks, while downtown art walks are a canvas for local talents. The community here is tightly knit, exuding a unique warmth that defines the McAllen experience.

McAllen sets itself apart on the safety front with innovative, community-centric initiatives. Programs such as “McAllen Crime Stoppers” and “Neighborhood Watch” highlight the city’s commitment to citizen involvement in public safety. Furthermore, the Citizen’s Police Academy demystifies law enforcement’s role, fostering trust and cohesion between officers and residents. The atmosphere buzzes with mutual respect and cooperation, contributing to daily peace of mind.

Affordability in McAllen provides refreshing budget relief. Imagine a lifestyle where a trip to the local farmers market for fresh produce still leaves you with cash to spare for an impromptu date night. Housing costs won’t break the bank whether you’re renting or owning, leaving you more to spend on trips to South Padre Island or picking up new hobbies. This city provides financial ease and allows you to focus on what enriches your life.

Tres Lagos, North McAllen, and South McAllen are often considered safe neighborhoods. These areas feature a variety of residential options, from single-family homes to townhomes and upscale apartments. Palo Verde appeals to families thanks to its superb schools and parks, while La Floresta is a hotspot for young professionals due to its easy access to dining and entertainment options.

However, for those seeking the best of both worlds—safety and affordability—Sharyland Plantation is a hidden gem. This planned community accommodates between 6,000 and 7,000 residents and offers inviting amenities like golf courses and walking trails. It’s especially appealing to families due to the nearby high-quality schools. Getting to the central business district takes a mere 20 minutes by car, even in rush-hour traffic, but note that public transport is limited. Sharyland Plantation offers a well-balanced combination of safety, affordability, and community spirit, addressing the core wants of its residents.

Our exploration has unveiled some of America’s finest yet often overlooked gems. From McAllen, Texas, which radiates warmth and hospitality, to Sterling Heights, Michigan, known for its active community participation, or the historical allure of Augusta, Georgia, or the prevailing feeling of trust in Provo, Utah, every city on this list offers its unique fusion of safety and affordability. In College Station, Texas, the energy of youth prevails without straining the wallet. Meanwhile, Olathe, Kansas, entices with its tranquil suburbs and unified community ethos. It’s worth considering the aforementioned places, as the next chapter of your life could be just around the corner in one of these remarkable cities.