Between sky-high rents, endless noise, and endless traffic, a lot of families are starting to ask: Is it really worth it to live in a big city? If you’re one of them, we’ve hunted down the top 10 US states where family living is both affordable and actually enjoyable. These are the places where it doesn’t break the bank to have access to solid schools and decent job markets.
North Carolina – Approx. $5,600/month
North Carolina’s appeal isn’t slowing, and still, its standard home price sits below the national figure at $365,000. The state balances this rapid growth by keeping overall annual living costs for a family near $67,200. With an annual income of around $98,000, you can maintain a very comfortable standard of living.
Texas – Approx. $5,133/month
Cut straight to the largest financial incentive: zero state income tax. The massive benefit helps families manage their yearly commitment, which averages just $61,596. Beyond the savings, the state features the nation’s second-largest population and features vibrant cultural hubs, such as the “Live Music Capital,” Austin.
Tennessee – Approx. $5,200/month
Tennessee keeps family expenses low, with annual costs near $62,400. Factor in the value of scenic Great Smoky Mountains and the musical heritage of Nashville and Memphis, and that budget delivers significant lifestyle returns. Since they have no state income tax on wages, you’ll find a culture-rich environment worth every dollar.
Georgia – Approx. $5,500/month
Focus on the savings metric, and Georgia’s overall cost of living runs 9% below the national average. This keeps the annual budget for a family of four manageable and stable, with a total of around $66,000. The state provides excellent suburban options outside Atlanta and blends high agricultural output with unique attractions like the Varsity drive-in.
Utah – Approx. $5,052/month
The standard yearly cost lands around $60,624, making it an attractive option for families. Utah has a strong job market and some of the highest youth well-being rates in the nation. On top of that, you’ll enjoy year-round outdoor adventures with five breathtaking national parks right at your doorstep.
Idaho – Approx. $4,609/month
Where can you find truly dramatic savings on housing? Idaho’s costs are 13% below the national average. The state, famous for leading potato production, also houses Hells Canyon, North America’s deepest river gorge, all with total annual family living expenses at a mere $55,308.
Minnesota – Approx. $5,164/month
Minnesota offers an outstanding standard of living, supported by excellent public services, particularly in healthcare and education. Known as the “Land of 10,000 Lakes,” the state promises endless recreational opportunities for a balanced and secure life. This quality of life comes with an annual cost of around $61,968.
Virginia – Approx. $5,456/month
Virginia is defined by the high quality of its public school system and well-established family neighborhoods. The annual expenditure for a family is reasonable, typically around $65,472. Beyond its legacy as the “Mother of Presidents,” the state provides a sophisticated blend of historic communities and essential modern amenities that appeal to working professionals.
Arkansas – Approx. $4,398/month
For families aiming for the smallest monthly commitment, Arkansas is a clear choice. Annual living costs are around only $52,776—among the best in the country. This state, home to Walmart’s global headquarters, provides economic stability. Its unique offerings include the stunning Ozark Mountains for recreation and being the only state where the public can mine for diamonds.
Mississippi – Approx. $4,465/month
Budget-friendly housing options, food, transportation, healthcare, childcare, and other essentials for a family of four land at roughly $53,580 per year in Mississippi. Beyond this budget relief, you’ll discover deep cultural roots as the birthplace of blues music and a prevalence of supportive, tight-knit communities.
