The cost of living in many popular U.S. cities has skyrocketed in recent years. From rent hikes to grocery bills, the financial strain is enough to make many Americans rethink where they live. But the good news? There are still places where you can enjoy a comfortable lifestyle without draining your bank account.
If you’re looking to stretch your dollar further without sacrificing quality of life, consider relocating to an affordable yet often overlooked city. In this article, we’ll walk you through how to plan your move and highlight a list of underrated cities that offer great value for money.
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Ready to Relocate? Steps to Prepare for a Big Move
Before considering which cities to choose, it’s essential to understand how to approach such a significant transition. Relocating isn’t just about changing your address — it involves planning, budgeting, and aligning your goals with the opportunities a new place has to offer.
1. Assess Your Priorities
Start by asking yourself: What matters most in a new place?
Do you want a lower cost of living, more green space, better public schools, or proximity to nature? For remote workers, a stable internet connection and coworking options may be high on the list. Others might prioritize cultural events or a sense of community.
Knowing your must-haves makes the search much easier.
2. Do Your Research
Once your priorities are clear, dig into the data. Compare average housing costs, property taxes, utility prices, and transportation options. Look into local employment opportunities if you’re not working remotely.
It’s also worth exploring:
- Public school ratings (if you have kids)
- Local healthcare options
- Climate and weather trends
- Crime rates
Don’t rely on assumptions — a quick search won’t give the whole picture. Use tools like City-Data, Zillow, or Niche to obtain reliable statistics.
3. Create a Moving Budget
Moving can get expensive fast. That’s why creating a clear budget upfront is essential. Factor in:
- Professional movers or rental truck costs
- Security deposits or down payments
- Utility setup fees
- Travel and lodging during the move
- Emergency funds for unexpected costs
Aim for a buffer — at least 10–15% more than your expected costs — just in case.
4. Plan and Execute the Move
Once your budget is in place, start preparing. Declutter your home and sell or donate items you won’t need. Research the best moving company in your area to ensure a smooth and reliable relocation experience.
Schedule utility disconnections and transfer services to your new address. Keep essential documents in one place. Finally, research your new community. Look up local events, join social media groups, and see what neighborhood activities are available. The more you know before you arrive, the smoother the transition will be.
Top Underrated Affordable Cities to Consider
These cities often fly under the radar but offer great value, strong communities, and the chance to live well for less. Here’s a closer look at ten cities that should be on your radar.
1. Chattanooga, Tennessee
Why it’s worth considering: Nestled between mountains and the Tennessee River, Chattanooga is known for its scenic views and revitalized downtown.
- Median home price: Around $280,000
- Perks: Gig-speed internet citywide, a growing tech scene, and access to hiking and outdoor adventures.
- Ideal for: Remote workers and outdoor enthusiasts.
2. Fayetteville, Arkansas
Why it’s worth considering: Home to the University of Arkansas, Fayetteville is an affordable, culturally rich, and economically thriving city.
- Median home price: $270,000
- Perks: Low unemployment, bike-friendly streets, and vibrant arts.
- Ideal for: Families and college-town lovers.
3. Greenville, South Carolina
Why it’s worth considering: A charming city with a walkable downtown and scenic beauty.
- Median home price: $290,000
- Perks: Booming job market, historic neighborhoods, and Southern hospitality.
- Ideal for: Young professionals and retirees.
4. Des Moines, Iowa
Why it’s worth considering: Known for its strong economy and family-friendly environment.
- Median home price: $230,000
- Perks: Top-ranked public schools and affordable healthcare.
- Ideal for: Families and government employees.
5. Boise, Idaho
Why it’s worth considering: A fast-growing city with a small-town feel and access to nature.
- Median home price: $410,000 (higher, but still affordable compared to coastal cities)
- Perks: Thriving startup culture, low crime, and easy access to hiking and skiing.
- Ideal for: Remote workers and tech professionals.
6. Knoxville, Tennessee
Why it’s worth considering: Home to the University of Tennessee and an intense cultural scene.
- Median home price: $300,000
- Perks: Low property taxes and stunning views of the Smoky Mountains.
- Ideal for: Students, creatives, and outdoor lovers.
7. Cedar Rapids, Iowa
Why it’s worth considering: A low-key city with good schools and a strong sense of community.
- Median home price: $220,000
- Perks: Short commutes, low crime, and friendly neighborhoods.
- Ideal for: Families and retirees.
8. Rochester, New York
Why it’s worth considering: Affordable homes and plenty of cultural attractions.
- Median home price: $180,000
- Perks: Diverse economy, historic architecture, and vibrant festivals.
- Ideal for: Budget-conscious buyers and history lovers.
9. Albuquerque, New Mexico
Why it’s worth considering: A unique mix of desert beauty and affordability.
- Median home price: $310,000
- Perks: Great food, rich Native American culture, and mild winters.
- Ideal for: Artists, remote workers, and retirees.
10. Peoria, Illinois
Why it’s worth considering: A solid Midwestern city with low costs and decent infrastructure.
- Median home price: $160,000
- Perks: Quiet neighborhoods, low taxes, and healthcare access.
- Ideal for: Budget-focused individuals and small families.
Bonus: Tips for Settling Into a New City
Relocating is just the beginning. Making your new city feel like home takes effort and curiosity.
- Join local Facebook groups or neighborhood forums.
- Try new restaurants and support local businesses.
- Attend city council meetings or community events.
- Volunteer to meet people and contribute.
The sooner you immerse yourself, the more connected and confident you’ll feel in your new environment.
Conclusion
Saving money doesn’t mean giving up a good life. With proper planning, research, and the right mindset, moving to an underrated, affordable city can unlock financial freedom and personal fulfillment. From Tennessee to New Mexico, the U.S. is full of places where your money goes further, and your lifestyle improves.
Thinking about making a move? Start with a clear plan, and explore these hidden gems before the secret gets out.
