Discovering the Best Midwest States and Cities Where Middle-Class Families Actually Want to Live

If you’re searching for the best midwest state to live in, the answer isn’t straightforward—it depends on your priorities. But here’s what an in-depth analysis of housing affordability, income stability, and quality of life reveals: the Midwest remains a prime destination for middle-class families seeking reasonable living expenses and strong community infrastructure.

The region offers a compelling combination that increasingly attracts young professionals and established families: homes are more accessible than in coastal cities, healthcare costs stay manageable, and the pace of life aligns with what many consider sustainable. While not every Midwestern city fits this profile, a comprehensive study examining livability scores (90 and above), household income ranges, population data, and annual expenditure costs identified 21 standout communities where middle-class households genuinely thrive.

The Top Performers: Where Families Find the Best Balance

Worthington, Ohio leads with a livability score of 94. This community of nearly 15,000 residents boasts a median income of $119,408 and an annual cost of living of $65,906—a comfortable spread that defines financial stability.

Whitefish Bay, Wisconsin follows closely with a score of 93. Its median household income reaches $142,356, supporting its reputation as one of the most desirable Midwest cities. Annual living expenses run $74,862, reflecting the higher incomes residents earn.

University Heights, Ohio also scores 93, distinguishing itself with a lower cost of living ($48,541 annually) despite a median income of $91,960. This represents exceptional value for families prioritizing affordability without sacrificing quality neighborhoods.

Smaller Towns Offer Hidden Advantages

Beyond the headline cities, several overlooked communities deliver outstanding value. Wausau, Wisconsin demonstrates that you don’t need a massive median income to live well—residents earn $59,259 on average while spending just $45,071 annually. Its livability score of 90 places it among the best midwest destinations for budget-conscious families.

Ames, Iowa similarly impresses with affordability. Despite lower median incomes ($57,428), the annual cost of living sits at just $53,541, and residents enjoy a livability score of 91. This pattern repeats across Iowa communities like Ankeny and Urbandale, where families find solid incomes ($101,151 and $111,888 respectively) paired with living costs under $56,000 annually.

The Complete List of 21 Communities

The following cities all maintain livability scores of 90 or higher and support authentic middle-class lifestyles:

Ohio cities: Worthington (94), University Heights (93), Bexley (92), Upper Arlington (90), Solon (90), Perrysburg (90)

Wisconsin communities: Whitefish Bay (93), Shorewood (92), Middleton (90), Verona (90)

Iowa destinations: Ankeny (92), Rochester (91), Ames (91), Urbandale (90)

Michigan locations: Clawson (92), Traverse City (91), Farmington (91), Berkley (91), Marquette (90)

Illinois: Edwardsville (90)

What Made These Cities Stand Out

The analysis examined multiple factors beyond simple affordability. Population stability matters—most selections range from 11,000 to 68,000 residents, avoiding both isolation and overcrowding. Median household incomes cluster between $51,000 and $145,000, reflecting genuine middle-class earning potential. Most importantly, livability scores consistently topped 90, indicating superior schools, safety, recreation access, and community engagement.

Annual cost-of-living data encompassed groceries, healthcare, housing, utilities, transportation, and miscellaneous expenses. Housing particularly influenced rankings, as Midwest properties remain significantly cheaper than national averages. The data reflects mortgage calculations using 10% down payments and current 30-year fixed rates, helping families understand actual monthly obligations.

Why the Midwest Remains Attractive

The best midwest state to live in isn’t determined by prestige—it’s determined by genuine financial breathing room. While coastal metros require six-figure incomes to achieve middle-class comfort, these Midwest communities offer that same stability on more modest earnings. Families can afford single-family homes, invest in retirement, and maintain emergency savings without constant financial stress.

School districts consistently rank strong across these regions. Employment opportunities in healthcare, education, manufacturing, and services remain stable. Natural amenities—from Great Lakes shorelines to recreational areas—add quality-of-life dimensions beyond spreadsheets.

Making Your Move

If relocation appeals to you, this data-driven approach identifies communities where household income genuinely supports middle-class living. Rather than focusing on a single “best” state, consider which city aligns with your family’s employment prospects, climate preferences, and lifestyle priorities. The 21 communities listed here have already proven they deliver on the fundamental promise that attracted families to the Midwest in the first place: stability, affordability, and community.

Data sourced from American Community Survey (median income, household statistics), AreaVibes (livability indices), Sperling’s BestPlaces (cost-of-living indexes), Zillow (home values for September 2024), and Federal Reserve Economic Data (mortgage rates). Analysis conducted October 23, 2024.