If you’ve ever dreamed of slowing down without going broke, this list is for you. These small towns offer lower costs, friendly communities, and a quality of life that still feels full – not cheap.
The data comes from Kiplinger’s analysis of the C2ER Cost of Living Index and U.S. Census data, highlighting places where your dollar stretches further without giving up good schools, parks, and culture.
1. Tupelo, Mississippi
Cost of living: About 20% below the U.S. average
Population: ~38,000
Median home price: ~$343,000
Tupelo isn’t just Elvis Presley’s hometown – it’s one of the most affordable small cities in America. Housing, groceries, and everyday services come in far below the national average, making it easy to live well on less. Locals love the small-town culture, public parks, and active arts scene.
Heads up: The job market is smaller, so it’s smart to secure work before relocating.
2. Richmond, Indiana
Cost of living: 20% below national average
Population: ~35,500
Median home price: ~$325,000
Richmond delivers that classic Midwest feel with a strong sense of community. Its affordability pairs nicely with a surprising local arts scene and nearby universities. You’ll find inexpensive rent, lower medical costs, and lots of family-friendly activities.
Heads up: Salaries here are typically lower than in large metros, so budget accordingly.
3. Muskogee, Oklahoma
Cost of living: 18% below U.S. average
Population: ~37,000
Median home price: ~$300,000
Known for its deep Oklahoma roots, Muskogee stands out for housing costs nearly 35% below the U.S. norm. You’ll find small-town pride, active local colleges, and plenty of outdoor space to enjoy.
Heads up: The economy depends heavily on regional industries, so stability can vary.
4. Salina, Kansas
Cost of living: 17.6% below average
Population: ~46,000
Median home price: ~$355,000
Salina blends Midwest practicality with modern comfort. It’s a hub for logistics and healthcare, meaning job opportunities are steady and costs stay reasonable. Residents enjoy community events, good schools, and short commutes.
Heads up: Kansas sales taxes can cut into some of your savings, so factor that in.
5. Ponca City, Oklahoma
Cost of living: 17.6% below average
Population: ~24,000
Median home price: ~$300,000
Ponca City offers wide streets, art-deco buildings, and an easy pace of life. The cost of living is low, healthcare is affordable, and there’s a lot of civic pride.
Heads up: The local economy is tied to the energy sector, which can fluctuate year to year.
6. Hutchinson, Kansas
Cost of living: 14.5% below average
Population: ~40,000
Median home price: ~$421,000
Hutchinson’s affordable living comes with an unexpected bonus – great museums, a strong local identity, and family-friendly parks. Once a salt-mining town, it’s now a comfortable place for young families and retirees alike.
Heads up: Weather can swing from hot to icy quickly, so plan your wardrobe accordingly.
7. Kankakee, Illinois
Cost of living: 14% below national average
Population: ~24,000
Median home price: <$300,000
Just an hour from Chicago, Kankakee gives you small-town calm without cutting you off from city life. You’ll find lower grocery and utility costs, peaceful neighborhoods, and an emerging local food scene.
Heads up: Property taxes in Illinois are high, which can offset some affordability.
8. Burlington, Iowa
Cost of living: 13% below average
Population: ~24,000
Median home price: ~$364,000
Sitting along the Mississippi River, Burlington combines river views with affordable living. Locals enjoy festivals, local diners, and a downtown that’s small but lively.
Heads up: Job options can be limited for certain fields, so remote work may help.
9. Meridian, Mississippi
Cost of living: 13% below average
Population: ~34,000
Median home price: ~$350,000
Meridian mixes history, music, and Southern charm. Families and retirees alike are drawn by the low costs, solid healthcare, and cultural events.
Heads up: Neighborhood quality varies, so explore before deciding where to live.
10. Statesboro, Georgia
Cost of living: 12.4% below average
Population: ~34,000
Median home price: ~$400,000
Home to Georgia Southern University, Statesboro keeps things lively without big-city prices. There’s a steady rental market, great restaurants, and plenty of outdoor space.
Heads up: Rentals can tighten during the school year, so timing matters.
Why These Towns Cost Less
Each of these towns benefits from lower housing costs, reasonable healthcare, and inexpensive day-to-day services. The C2ER Cost of Living Index measures expenses for housing, groceries, utilities, healthcare, and more – and these places consistently come in below the national average.
Lower costs don’t always mean lower quality. In fact, most of these towns have solid amenities, cultural life, and enough infrastructure to make daily life comfortable without the financial grind.
What to Know Before You Move
- Jobs: Research industries in advance – smaller towns can have limited openings.
- Healthcare: Check hospital distance and availability of specialists.
- Internet and commute: For remote workers, test Wi-Fi speeds before committing.
- Weather and risk: Some areas face tornadoes, floods, or heat extremes.
- Community feel: Visit first. Talk to locals. See how life really runs day to day.
Final Thoughts
Moving to a small town isn’t just about saving money – it’s about trading stress for space and time. Whether you’re chasing affordability, better balance, or a quieter lifestyle, these towns prove that living well doesn’t have to mean living large.
