State capitals aren’t just trivia answers; many of them are considered some of the best places to live in the United States. However, there’s quite a range in how these cities stack up against each other.
According to Chip Lupo, an analyst at WalletHub, the capital often represents not just the governmental hub but also the economic heart of the state. This leads to many benefits, like stronger job markets, higher average salaries, and access to esteemed universities. Plus, they often boast more attractions, eateries, and cultural venues, alongside enhanced educational and healthcare resources.
WalletHub identified the top ten state capitals to live in: Austin, Texas; Raleigh, North Carolina; Atlanta, Georgia; Madison, Wisconsin; Boise, Idaho; St. Paul, Minnesota; Lincoln, Nebraska; Bismarck, North Dakota; Denver, Colorado; and Salt Lake City, Utah.
Interestingly, some notable capitals like Boston (23rd), Indianapolis (29th), Honolulu (34th), and Baton Rouge (47th) scored relatively low, mainly due to issues like affordability and educational quality.
The cities that ranked the lowest include Little Rock, Arkansas; Baton Rouge, Louisiana; Trenton, New Jersey; Augusta, Maine; and Jackson, Mississippi.
In the comprehensive report, WalletHub assessed all 50 state capitals using 48 different scales. These metrics covered aspects from affordability and economic stability to crime rates and K-12 education quality.
Each metric received a weight and was scored on a 100-point scale, where 100 indicates the most livable state capital. The factors were grouped into four main areas: affordability, economic well-being, education and health, and quality of life. Based on this, each capital received an overall ranking.
Austin, Texas
Median home price: $455,000
Overall score: 64.17
Austin continues to hold the top position in 2025, in part because it offers the highest median household income at $93,902 after adjusting for cost of living. While housing prices and rents can be steep, the local earning potential is quite robust.
In addition to a thriving job market, Austin has some of the best public schools in the country, impressive graduation rates, low crime, and a high life expectancy.
Raleigh, North Carolina
Median home price: $440,000
Overall score: 60.42
Raleigh moved up one spot thanks largely to its fourth-highest median household income ($84,798) after cost adjustments. Its rapid growth includes a high percentage of educated residents and notable high school graduation rates, plus it’s popular among food lovers and hockey fans alike.
Atlanta, Georgia
Median home price: $400,000
Overall score: 60.17
Atlanta climbed two spots in the rankings, bolstered by a high median household income ($85,352) and economic stability. The city is often praised for its vibrant food scene and a low obesity rate, which is somewhat unique for Southern cities.
As a business hub, it’s home to numerous Fortune 500 companies, extensive entertainment options, and various cultural attractions.
Madison, Wisconsin
Median home price: $474,900
Overall score: 60.04
Even after a small drop in rank, Madison remains notable for its low unemployment and foreclosure rates. The residents here enjoy good health and relatively long life expectancy, complemented by a good selection of affordable restaurants.
Boise, Idaho
Median home price: $599,990
Overall score: 59.72
Boise excels in economic well-being and quality of life, with a youthful demographic and an abundance of nightlife options. However, it features relatively high median home prices.
St. Paul, Minnesota
Median home price: $404,950
Overall score: 56.25
St. Paul has seen a rise in its ranking due to affordability and overall living conditions. Residents benefit from good public transport, with relatively low crime rates, but it still scores lower in economic well-being.
Lincoln, Nebraska
Median home price: $389,000
Overall score: 56.21
Lincoln is recognized for its affordability and quality educational facilities, although its economic standing is a bit lacking.
Bismarck, North Dakota
Median home price: $449,900
Overall score: 55.94
Bismarck jumped five spots, claiming the top rank for affordability. It offers a stable income and reasonable living expenses, making it a desirable location, although it doesn’t score as well in terms of nightlife and activities.
Denver, Colorado
Median home price: $550,000
Overall score: 55.86
Known for its educational opportunities and health statistics, Denver houses top universities and boasts great outdoor activities, appealing to a broad range of residents.
Salt Lake City, Utah
Median home price: $550,000
Overall score: 55.63
Finally, Salt Lake City rounds out the top ten with strong rankings in education and healthcare, demonstrating favorable living conditions overall.
