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These Are the Top 25 U.S. Cities With the Lowest Cost of Living

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Coastal cities like New York and San Francisco bustle with excitement, but residents pay plenty of hard-earned cash to enjoy perks like Central Park and world-class museums—and to pay their sky-high rents. If you’d rather have a full bank account than a hipster ZIP code, consider setting down roots in America’s most affordable region: the Midwest.

Niche, a data analysis company, has ranked the 25 cities with the lowest cost of living across the United States—and the top 10 are all located in America’s heartland. Their selections were based on factors including access to affordable housing, food and fuel costs, and median tax rates, all of which were gleaned from U.S. Census and Bureau of Labor Statistics data.

Indiana was the most-represented state in the list’s top 10 section, with Fort Wayne, Evansville, and South Bend nabbing the first three spots. The remaining cities were mid-sized metropolitan areas in Kansas, Ohio, Iowa, and Illinois, all of which offer urban conveniences at a fraction of the cost of their coastal counterparts. After that, other cities in the mix included municipalities in Texas, Michigan, Alabama, South Dakota, and Minnesota.

Check out Niche's top 25 list below, and visit their website to view their methodology.

1. Fort Wayne, Indiana
2. Evansville, Indiana
3. South Bend, Indiana
4. Topeka, Kansas
5. Toledo, Ohio
6. Wichita, Kansas
7. Akron, Ohio
8. Cedar Rapids, Iowa
9. Davenport, Iowa
10. Springfield, Illinois
11. Rochester, Minnesota
12. Dayton, Ohio
13. Springfield, Missouri
14. Wichita Falls, Texas
15. Kansas City, Kansas
16. Odessa, Texas
17. Cleveland, Ohio
18. Indianapolis, Indiana
19. Abilene, Texas
20. Sioux Falls, South Dakota
21. Montgomery, Alabama
22. Lansing, Michigan
23. Des Moines, Iowa
24. Brownsville, Texas
25. Warren, Michigan

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The Most (and Least) Expensive States for Staying Warm This Winter
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It’s that time of year again: Temperatures outside have plummeted, while your monthly heating bill is on the rise. If you want an idea of how much heat will cost you this winter (perhaps you blocked out last year’s damage to your bank account), one reliable indicator is location.

Average energy expenses vary from state to state due to factors like weather, house size, and local gas prices. Using data from sources including the U.S. Energy Information Administration and the Environmental Protection Agency, WalletHub calculated the average monthly utility bill totals for all 50 states plus Washington D.C. in 2017.

Source: WalletHub

The personal finance website looked at four energy costs: electricity, natural gas, car fuel, and home heating oil. After putting these components together, Connecticut was found to be the state with the highest energy costs in 2017, with an average of $380 in monthly bills, followed by Alaska with $332 and Rhode Island with $329.

That includes data from the summer and winter months. For a better picture of which state’s residents spend the most on heat, we have to look at the individual energy costs. Michigan, which ranks 33rd overall, outdoes every other state in the natural gas department with an average bill of $60 a month. Alaska is close behind with $59, followed by Rhode Island With $58.

People living in Maine prefer oil to heat their homes, spending $84 a month on the fuel source. All six New England states—Maine, Connecticut, Rhode Island, Vermont, New Hampshire, and Massachusetts—occupy the top six spots in this category.

So which state should you move to if you want to see your heating bill disappear? In Florida, the average household spends just $3 a month on natural gas and $0 on heating oil. In Hawaii, on average, the oil bill is $0 as well, and slightly higher for gas at $4. Of course, they make up for it when it comes time to crank up the AC: Both states break the top 10 in highest electricity costs.


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Don't Pour Alcohol on Your Bed Bugs—Try These Tips Instead
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Getting bed bugs is a nightmare experience, one that’s sure to cost you oodles of time, money, and emotional distress. The bugs are painfully hard to purge from your household, and it’s getting even harder as they become more resistant to common insecticides. Unfortunately, home remedies are often no match for these parasitic insects. Dousing them with rubbing alcohol (a tip you'll often hear) won’t kill them; in fact, it might just burn your house down, as a woman trying to rid her Cincinnati apartment of bed bugs found out recently. As The Washington Post reported, the alcohol in that case was too close to the flame of a candle or some type of incense, and ignited. It wasn't an isolated incident.

In the last 10 years or so, people trying to kill bed bugs with alcohol have started several house fires across the U.S., including a different incident in Cincinnati just two weeks ago. So short of burning down your entire house and starting over, how do you get rid of them?

The short answer is: Give up on the idea of saving money and call an exterminator. According to 2014 research, plenty of DIY bed bug-killing remedies are woefully ineffective. Rubbing alcohol, in fact, only killed half of the insects sprayed by the Rutgers University researchers in that study. Researchers have found that other recommended home remedies, like moth balls, foggers, or ultrasonic bug repellers, are even less effective. And don’t even think about using “natural” type products that use essential oils as the main ingredient. They might smell nice, but they won’t help your bug problem.

But before you call in the big guns, there are a few effective, concrete steps you can take to reduce your infestation. As Rutgers bedbug specialists Changlu Wang and Richard Cooper wrote in their bed bug fact sheet, putting your belongings in plastic storage bins or garbage bags is a good place to start. Since the bugs don’t like to climb on smooth plastic, this can help contain the infestation. Just make sure to treat whatever you’re putting inside the bags or bins first by putting them through the hot laundry, steaming, heating, or freezing them.

You’ll need a mattress encasement, too. This will keep the bugs that have already infested your mattress from escaping, meaning they won’t be able to feast on you anymore and will die of starvation. Nor will any new bugs be able to get inside to nest. You’ll want to make sure it’s a scientifically tested brand, though, since not all mattress encasements are bite-proof or escape-proof for bed bugs. (Most experts recommend the Protect-a-Bed BugLock encasement, which costs about $81 for the queen-sized version.)

Next, pick up some bed bug traps. Set them up under the legs of your furniture and around the perimeter of rooms to help detect new infestations and reduce existing ones. According to Wang and Cooper, a one-bedroom apartment might need eight to 12 of these traps, while bigger apartments will require more.

You’ll want to expose all your belongings to extreme temperatures before you even think about touching them again. Putting them through the washer/dryer on its hottest setting will do the trick to kill both bugs and their eggs, but if you need to eradicate bugs lurking in items you can’t wash, you can freeze them in plastic bags (as long as your freezer gets down to 0°F). You can also kill them with a steam cleaner, especially if you need to purge them from your couch or other upholstered furniture.

If you’ve still got a large number of bugs lurking in your house, you can tackle them with a vacuum cleaner, sucking them out of seams, zippers, trim, and other furniture crevices. But you’ll want to use a stocking or some other method of protecting your vacuum from being infested itself. (See Figure 6 here.)

Some research has also found that desiccant dusts that dehydrate bugs to death, like diatomaceous earth and silica gel, can be effective at controlling bed bug infestations (silica gel in particular) when spread around the perimeters of rooms, on bed frames and couches, and on furniture legs.

As we mentioned before, you’ll probably want to consult a professional even if you do all of the above, because if you miss even one bug or egg, you'll be back to where you started. The cost of an exterminator pales in comparison to the cost of throwing out everything you own, moving homes, and then realizing you’ve brought the bed bugs with you anyway.

The bad news for anyone who’s already infested is that prevention really is key when it comes to bed bugs. So brush up on what the pests look like, make sure to check your hotel room for them when you travel, and if you spot them in your apartment, make sure to warn your neighbors.

[h/t The Washington Post]

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