The populations of the “safest and wealthiest suburbs” in the US

A new list of high income and low crime suburbs has this top ten:

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  1. Western Springs, IL
  2. Lexington, MA
  3. Winchester, MA
  4. Whitefish Bay, WI
  5. Huntington Woods, MI
  6. Ottawa Hills, OH
  7. Winnetka, IL
  8. Kenilworth, IL
  9. University Park, MD
  10. Upper Arlington, OH

Here is how GOBankingRates.com developed the list:

GOBankingRates analyzed the top 1,000 cities by household mean income across the United States to find the safest and richest cities using data from the US Census American Community Survey, Bureau of Labor Statistics Consumer Expenditure Survey, Zillow Home Value Index, Federal Reserve Economic Data, AreaVibes, and the FBI. The property crime rate per 1,000 residents, violent crime rate per 1,000 residents, livability score, household mean income, and the average total cost of living were scored for each location and sorted to show the safest and richest cities. All data was collected on and is up to date as of August 4th, 2025.

Based on a recent post about the wealthy and large suburbs of the United States, including Naperville, Illinois, I was curious about the population size of the top ten communities. Here is their population according to Quick Facts:

  1. 13,600
  2. 34,400
  3. 22,900
  4. 13,700
  5. 6,300
  6. 4,500
  7. 12,100
  8. 2,400
  9. 2,400
  10. 35,300

Not all of these are small towns; some might even be considered small cities. All have household mean incomes of over $200,000.

Going further through the top 50 suburbs, few are really large. Naperville comes in at #49, the largest suburb by population on the list by far.

To make this list, a suburb does not have be small and exclusive. It can be slightly larger and exclusive. I wonder if this is due to using the household mean income rather than the median. The mean is more likely to be pulled up by a small number of really high earners while the median gets at the midpoint of the distribution.

The first presidential candidate from the suburbs

When Michael Dukakis ran for president in 1988, he did so as governor of Massachusetts and as a suburbanite:

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Dukakis’s suburban origins and issue-oriented style actually served as a major asset with the other constituency that many strategists recognized as key to his and the Democratic Party’s success in the general election. Political consultant and Dukakis adviser Hank Morris saw Dukakis’s upbringing and ethos as important in galvanizing postindustrial suburban professionals in battleground states such as California, Illinois, and New York. Suburban professionals responded favorably to Dukakis’s record about quality-of-life issues like traffic and air pollution, unregulated commercial growth and sprawl, declining schools, and rising drug and crime problems. Morris urged the campaign to further underscore that “he is the first presidential nominee to grow up in the suburbs and to stay there, commuting to work and mowing the lawn and knowing the concerns of suburbanites.” Taking the advice to heart, Dukakis made frequent references to his 1963 Sears snowblower as an emblem of his suburban sensibility and frugality. (275)

This passage comes toward the end of historian Lily Geismer’s book Don’t Blame Us: Suburban Liberals and the Transformation of the Democratic Party. It serves as a culmination of several decades of history where the actions of suburbanites in Boston suburbs along Route 128 presaged larger changes in the United States.

Of course, Dukakis lost the election. But Geismer argues that he represented a shift in the Democratic party toward the educated knowledge workers of suburbia. Whereas suburbs had been viewed as conservative and Republican in the immediate postwar era, by the 1980s there were pockets of suburban liberals and today there are numerous Democratic strongholds in suburban areas outside large cities.

At the same time, Geismer notes that these suburban liberals had particular notions about liberal causes. They tended to promote individual freedom, not addressing structural issues. When asked to transform their own suburban communities for the greater good of the Boston area, these suburban liberals resisted. It is one thing to advocate for liberal causes that might help you; it is another to promote affordable housing in your community.

I would venture that we see a number of these patterns still playing out today. What happened along Route 128 has happened to varying degree across American suburbs with pockets of high-tech, knowledge industry workers clustering in suburban parts of metropolitan areas. The American suburbs are more diverse than they were in the 1980s. Many of wealthy suburbs with white-collar jobs or workers are not fully open to change or to addressing metropolitan issues or regularly resist what they see as threats to the quality of life the enjoy. The choices suburbanites like to have still gives those with resources options to find communities that they like and then push back against change.

And when will the United States have its first suburban president, someone born in the suburbs and who identifies with the suburbs?

The lingering reminders of the railroads that once marked Chicago’s lakefront

In its early history, Chicago’s shoreline with Lake Michigan was marked by railroad lines and activities. Trains pulled right up to the Chicago River, moving goods to the center of the city and its thriving port. You can see a late nineteenth century images of the lines of the Illinois Central right along the water here and here.

Today, it is harder to see evidence of the bustling railroad activity. The city still has sizable railyards and a large amount of railroad traffic. But it is now largely outside of the Loop and more railroad activity has been pushed to the edges of the metropolitan region.

I recently found a spot where an observer can still get a hint of the important railroad activity that marked the lakefront:

This passenger line comes into the central part of the city from the south and its station is underground. This angle gives a broader view of the tracks and the infrastructure needed to move trains and people.

The major cities of the United States, including Chicago, are still dependent on railroad lines. The average resident of a region may only travel via car and visitors from further away may primarily arrive via airplane but the railroad lines continue to deliver large amounts of goods and resources. Their presence may be less visible but keeping the trains running on time in and around cities still matters.

Local control is essential to understanding American suburbs

The mayor of Naperville thanked the City Council for not supporting a proposal that regional transit authorities could develop land within half a mile of train stations. He explained his opposition this way (via his Scott Wehrli for Naperville Facebook page):

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I’m proud of our City Council for standing together in opposition of this legislation that would give transit agencies the power to control development within a half-mile of our train stations—taking that authority away from the local officials you elected.

In Naperville, development decisions should be made by our community, through our City Council, not by transit agencies in Chicago. Local control has always been the foundation of our city’s success, and we’ll continue to protect it.

This is a good example for why I included local control as one of the seven reasons that Americans love suburbs. Suburban residents and leaders want to be able to make decisions about local land and monies as they see fit. They can resent when decision-making involving their land and money takes place elsewhere, particularly if it goes against what the suburban community wants or is perceived to be a threat to an established way of life.

This particular case involves transportation and land development. A popular idea in numerous cities and suburbs is to construct transit-oriented development which often involves higher residential densities adjacent to mass transit stops and a reduced number of parking spaces required. A number of Chicago suburbs have pursued this in recent decades; trains going in and out of Chicago pass apartments and condos in suburban downtowns.

But the key for many of these suburbs is that they made these decisions regarding development around train stations. These conversations often included debate about the size of new buildings and the number of units involved. How tall is too tall for a suburban downtown? How many units will be erected? What is the target population for these new developments?

Leaders and residents in Naperville and suburbs across the United States might pursue denser development near mass transit but they want to make the decision and steer development in ways they feel is consistent with the existing character and footprint of their community.

(I would also argue that local control is closely linked to the other six reasons Americans love suburbs.)

The percentage of realtors under age 30 went up 400% (*from 1% to 4%)

Some younger adults are moving into certain careers they feel offer them opportunities in an uncertain world. This includes becoming a realtor.

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Some Zoomers like Marmo are ditching four-year degrees in favor of work that unchains them from a desk, puts money in their bank accounts sooner, and — they hope — will survive the artificial intelligence boom that is already starting to change once-hot professions like software engineering, consulting, and marketing. Some are turning to blue collar work like HVAC servicing and wind turbine installation. Others are trying to start their own ventures via influencing and side hustles. And some see the lure in the licensed white-collar job, including working in real estate or insurance.

That shift in licensed jobs is slow, but growing. The share of Realtors younger than 30 grew from 1% to 4% in 2024, according to NAR’s member profile, and sits at 3% in 2025. Among insurance agents, the median age of an insurance principal who owns 20% or more of their agency is 55, with 22% of principals over the age of 66, according to a 2024 study of agencies conducted by the Big “I,” an association for independent insurance agents. Many are likely eying retirement, which could open up a huge amount of demand for young people to take up the trade.

Several Gen Zers I spoke to for this story told me they find appeal in working in real estate because there’s no ceiling on what they can earn. Rather than invest tens or hundreds of thousands of dollars in a four-year degree, they can spend a few weeks or months training to receive licenses and start working in fields where their hustle correlates to their payday…

Because it’s still something of a rarity to see a baby-faced real estate agent or teenager selling life insurance, the young people in licensure jobs I spoke to say that succeeding means not just learning the trade but competing against ageist stereotypes. The median age of a first-time home buyer has risen to an all-time-high of 38, according to NAR. That’s up from an average age of 33 a decade ago, according to a Zillow analysis. The idea of having a newly minted, 18-year-old real estate agent guide you through the biggest financial decision of your life is jarring. Katie Kenny, a 24-year-old Realtor in Chicago’s suburbs, says people meet her and are surprised, as they “expect the real estate agent to be like double my age,” she tells me. “They’re like, ‘oh, you’re young.’ And then when I open my mouth and start talking, they’re actually surprised because I do know a lot more, and I sound a lot more mature than what a normal 24-year-old would sound like.”

This article, like many articles, is trying to get a handle on a possible trend: younger people are pursuing different fields due to the world around them. There are numerous ways to report on this phenomena. This article uses a mix of statistics and interviews, considering broader patterns and hearing people describe their choices.

In the headline to the post, I highlight one way to report the data cited above. 400% growth in young realtors! 400% of anything sounds like a lot of change. A 100% increase or decrease would be noteworthy so 400% must mean a lot.

Another way to do this would be to take the approach above: the percentage of young realtors increased from 1% to 4%. This is not a big jump as both are small percentages. The odds of having a realtor under 30 years old is still 1 in 25.

Both of these options are factually correct. I would argue the second option is a better representation of the full context. Change happened but it is small change. If the same trend continues for 5 to 10 years, then there might be big change to report. Imagine the 30% of realtors under age 30 or 50%.

Someone will continue to track this data. It makes for interesting stories: “In an age of AI, college debt, and global crisis, more young adults in the United States are choosing to be realtors.” How big of a story it becomes partly depends on how it is told.

How would we know when there is a “housing panic”?

Headline: “Housing panic grips half of US cities as record price cuts send home values tumbling.” What does the text of the story say?

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Sellers are slashing prices at record rates to to lure hesitant buyers put off by soaring mortgage rates and economic uncertainty.

In July alone, 27.4 percent of listings had a price cut — the highest rate ever recorded in Zillow’s monthly data going back to 2018.  

It helped push prices down year-over-year in 25 of the 50 largest US cities. Most were in the South and West…

Tampa prices are down 6.2 percent, Austin 6 percent, Miami 4.6 percent, Orlando 4.3 percent and Dallas 3.9 percent, according to Zillow

Price cuts are more common in the South and the Mountain region, according to Zillow, as homeowners desperately try to offload properties.

Summary of this data: these are “record” cuts, supported by the number of listings with a price cut (27.4%), the number of metro areas with price cuts (half of the largest cities), and four specific cities have had prices drop between 3.9% and 6.2%.

This may be unusual behavior compared to prior years. It might not be what property owners want to see. Is it a “housing panic”?

Here are several indicators I could imagine of a larger panic regarding housing values:

  1. Prices dropping across all or most metro areas. (We read later in the article that values are up in some metros, mostly in the Northeast and Midwest.)
  2. Price drops of more than 10%. This may be an arbitrary cut-off but it is at least double-digits.
  3. Consistent public reporting and/or conversation about a housing panic. If there was truly a panic, wouldn’t it be easy to find that conversation?
  4. An inability to sell many homes even with larger price cuts.

This is worth paying attention to, both for the actual figures and how they are interpreted.

Measuring Walmart’s reach by its geographic proximity to 90% of Americans

How much does Walmart matter in the United States? The company uses this statistic to get at this:

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Walmart operates more than 5,200 stores across the country, and 90% of Americans live within 10 miles of a Walmart or Sam’s Club, the company estimates

In this story, this figure is cited regarding the rollout of electronic vehicle chargers. The implication is that many potential drivers could then access Walmart’s network.

Part of the Walmart percentage could be the sheer number of stores and it could also be about corporate decisions about where to locate. The company grew from its first store in Rogers, Arkansas to being in many communities across the United States. Do all retailers go for the same sort of locations as Walmart?

It would be interesting to compare to other kinds of business. Take fast food chains that have thousands of locations; would 90% of Americans live within 10 miles of a McDonald’s or a Domino’s? Or what about distances from dollar stores? (Or were once within 10 miles of a Blockbusters?)

Or we could consider other important places. How many Americans live within 10 miles of a park? A school? A police or fire department?

All that said, being close to roughly 300 million people in the United States is an achievement. This likely contributes to figures I’ve seen that suggest roughly 90% of Americans shop at a Walmart at least once a year. And a story from several months ago suggested 95% of Americans were within a 3 hour delivery of Walmart. Proximity has to help even if Walmart cannot be everywhere.

The suburban contexts of James Dobson and Focus on the Family

In reading multiple obituaries upon the passing of Dr. James Dobson, I was interested to read about where he lived and where his ministry operated. In my book Sanctifying Suburbia, I examine how evangelicals embraced the suburbs, and I discussed in Chapter 6 two of the evangelical centers where Dobson spent much of his adult life: the suburbs east of Los Angeles and Colorado Springs, Colorado. But his suburban experiences also predated the professional career for which he became know. Here is what the New York Times reported:

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James Clayton Dobson Jr. was born in Shreveport, La., on April 21, 1936, the only child of James and Myrtle (Dillingham) Dobson.

He was the son, grandson and great-grandson of Church of the Nazarene ministers. The family avoided dancing and movies. His father, who never attended college, was a traveling evangelist, primarily in the Southwest, and young James lived mostly with his mother in Bethany, Okla., and graduated from San Benito High School, in San Benito, Texas, in 1954.

He received a bachelor’s degree in psychology in 1958 from Pasadena College (now Point Loma Nazarene University) and a master’s degree in 1962 from the University of Southern California.

In 1960, he married his college sweetheart, Shirley Deere. She survives him, as do his son; a daughter, Danae Dobson; and two grandchildren.

After four years as a teacher and counselor at high schools in Hacienda Heights and Covina, Calif., he earned a doctorate in child development in 1967 from U.S.C. He was then on the faculty of the Keck School of Medicine for 14 years and simultaneously on the staff of Children’s Hospital.

Looking more closely at these early locations shows some connections to suburbs. Shreveport is a small big city with over 76,000 residents in 1930. Bethany is a suburb west of Oklahoma City created by Nazarene founders that grew from 485 residents in 1920 to 22,694 residents in 1970. San Benito is a small community within the Browsnville-Harlingen-Raymondville combined statistical area today that is not far from the Mexico border. It had between roughly between 13,000 and 16,000 residents in the 1950s while Brownsville at that point had between 35,000 and 48,000 residents.

Dobson went to college at Pasadena College. This college started as Pacific Bible College in Los Angeles. In 1909 it moved to purchased land in Pasadena, a suburb east of Los Angeles. When Dobson was in college, the suburb was finishing a growth spurt: it had grown from 9,117 residents in 1900 to 116,407 residents in 1960. In the early 1980s, a proposed move of Pasadena College to Santa Ana, another suburb southeast of Los Angeles in Orange County, failed and the college occupied a former college campus in San Diego (and became known as Point Loma).

His first jobs involved teaching in two suburbs east of Los Angeles. Hacienda Heights is an unincorporated community that had 35,969 residents in 1970. Covina is also in the San Gabriel Valley and its population exploded in the postwar era, expanding from 3,956 residents in 1950 to 30,395 in 1970.

Without closer study, it is hard to know exactly how these suburban experiences shaped Dobson’s views and work. But going to school and starting work in a hotbed of growing evangelicalism in the post war era – suburban Los Angeles – plus his own experiences in small communities outside bigger cities echo broader evangelical patterns. Emphasizing nuclear family life and conservative political values also aligns with reasons evangelicals could embrace suburban life.

An ongoing negative Trump narrative about cities

President Trump and his political allies continue to discuss cities in particular ways:

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When President Donald Trump declared his third presidential candidacy in 2022, he saved his most colorful language for America’s urban areas, bemoaning “the blood-soaked streets of our once-great cities” and adding that “the cities are rotting, and they are indeed cesspools of blood.”

Later in his campaign, Trump called Milwaukee “horrible” and described Washington, D.C., as a “rat-infested, graffiti-infested shithole.” More recently he said, “These cities, it’s like living in hell.”

Other Republicans have seized on similar dystopian urban images. When Vice President JD Vance visited New York several years ago, he compared the city to a zombie apocalypse, posting: “I have heard it’s violent and disgusting there. But is it like Walking Dead Season 1 or Season 4?”

As Trump ramps up the military presence in Washington — and hints that he may move to take over other cities — his crackdown punctuates a frequent Republican message that American cities embody chaos, lawlessness and immorality, despite widespread recent drops in violent crime. With cities increasingly liberal and rural stretches ever more conservative, Republicans have a growing incentive to attack urban areas as the epitome of all that is wrong with America…

Trump’s rhetoric culminates a long history of American politicians casting cities as hotbeds of vice and social disorder, said Michael Kazin, a historian at Georgetown University and author of “The Populist Persuasion: An American History.” Left-wing populists have often been dismayed by the vast wealth inequality on display in cities, he said, while right-wing populists have recoiled from the elites, immigrants and minorities who live there.

This resonates with some Americans because there is a broader and longer history of criticizing cities in the United States. From the beginning, a number of Americans have idealized small town or rural living. The growth of major cities was accompanied by numerous concerns. When asked today, many Americans say they would prefer to live in small towns.

At the same time, it is hard to imagine the United States today without its big cities and the good things that came with them. A United States without New York, Los Angeles, and Chicago? Or San Francisco, New Orleans, and Cleveland?

Even if voting patterns by geography seem fairly set in American national elections, it would be interesting to hear more politicians articulate messages that cross these boundaries. Are people living in cities, suburbs, and rural more different than they are similar? Breaking through the existing patterns might just require addressing issues that Americans face or care about regardless of where they live.

The wealthy and big suburbs in the United States

Lists of the wealthiest communities in the United States often feature places with just a few thousand residents. But in looking at a list of the fastest-growing suburbs in the United States, I noticed that some of these fast-growing and large suburbs have high median household incomes. Here are 3 suburbs in the top 5 fastest-growing:

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SuburbPopulationMedian Household Income
Frisco, TX210,238$146,158
McKinney, TX202,314$120,273
Santa Clarita, CA229,021$119,926

For 2023 (the same year at the end of the data used for this list), the Census Bureau reported that the median household income in the United States was $80,610. The median income means that half of households are above this mark, half are below. These suburbs are way over this mark and they have a lot of residents.

I have wondered about this given my research over the years on Naperville, Illinois. It is a larger suburb – around 150,000 residents – and it is wealthy. In 2023, its median household income is $150,937.

Knowing what I know about Naperville, my guess is that the three communities above are home to thousands of white-collar professional jobs. They have lots of office space. They are home to national and/or regional headquarters for sizable corporations. They have a particular quality of life residents expect.

At the same time, people living in these large and wealthy suburbs might have different experiences from those living in small and wealthy communities in the United States. What does this wealth and access to resources look like on a daily basis? What kind of community engagement and spirit is there? What separates these bigger and smaller wealthy suburbs from the communities around them that are not the same?