9 Most Affordable State Capitals to Live In

Living in a state capital doesn’t have to break the bank—some offer surprisingly low costs while still providing great amenities. With affordable housing, reasonable living expenses, and strong job markets, these cities make ideal places to call home. If you want big-city benefits without the big-city price tag, these nine capitals are worth considering.

1. Jefferson City, Missouri

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Jefferson City delivers small-town charm with a cost of living well below the national average. Housing is incredibly affordable, and property taxes are low, making homeownership easy. Government jobs provide steady employment, while the city’s quiet atmosphere appeals to those who prefer a slower pace. If you want affordability without sacrificing safety and stability, this capital is a winner.

2. Pierre, South Dakota

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Pierre is one of the most budget-friendly state capitals, with low housing costs and no state income tax. While it’s a small capital, it offers a strong job market in government, healthcare, and agriculture. Outdoor lovers will appreciate its access to fishing, hiking, and hunting without the hefty price tag of other scenic states. If you don’t mind a quieter lifestyle, Pierre is a steal.  

3. Montpelier, Vermont

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Montpelier’s home prices are surprisingly reasonable for a New England capital. The city offers a strong sense of community, excellent schools, and beautiful surroundings. While it’s small, job opportunities in government and education keep it thriving. If you love a historic town with plenty of charm and affordability, Montpelier is a solid choice.

4. Cheyenne, Wyoming

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Cheyenne boasts an affordable cost of living with no state income tax, making it a great place to stretch your paycheck. Housing remains reasonably priced, and job opportunities in government, energy, and transportation provide financial stability. The city’s Western heritage and outdoor lifestyle add to its appeal. If you want low costs with plenty of open space, Cheyenne is a top pick.

5. Bismarck, North Dakota

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Bismarck combines a low cost of living with a strong economy, making it a great choice for affordability. Housing prices are reasonable, and the city has a high employment rate thanks to the government, healthcare, and energy industries. Despite its small size, Bismarck offers modern amenities and a growing downtown. If you can handle cold winters, you’ll enjoy a high quality of life at a low cost.

6. Little Rock, Arkansas

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Little Rock offers Southern hospitality with an affordable price tag. The cost of housing is well below the national average, and the city has a growing economy in healthcare, transportation, and manufacturing. With a warm climate and a vibrant arts scene, it offers both affordability and entertainment. If you’re looking for a capital that won’t drain your bank account, Little Rock is a solid bet.

7. Topeka, Kansas

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Topeka’s low home prices and affordable rent make it one of the cheapest state capitals to live in. The job market is stable, especially in government and healthcare, and the city’s cost of living is much lower than nearby Kansas City. With plenty of parks and a family-friendly atmosphere, it’s a great place to settle down. If you want affordability without sacrificing convenience, Topeka delivers.

8. Augusta, Maine

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Augusta offers surprisingly low home prices for the New England capital. The city has a steady economy with jobs in government, healthcare, and education, keeping costs stable. It provides a peaceful lifestyle with access to Maine’s stunning landscapes and coastal towns. If you love the Northeast but not its usual high prices, Augusta is an excellent alternative.

9. Jackson, Mississippi

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Jackson remains one of the most affordable state capitals, with low housing costs and everyday expenses. The city has job opportunities in healthcare, education, and government, helping residents maintain a comfortable lifestyle. Its rich history, music scene, and Southern charm add to its appeal. If you want a budget-friendly home with cultural flair, Jackson is a great pick.  

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• Affordability
• Housing
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