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10. Sioux Falls, SD

Average credit score: 773.44

Median household income: $46,244
Median home cost: $139,000
Average monthly credit-card charges: $3,446.18
Unemployment rate: 5.4%

Sioux Falls has successfully transitioned itself from an agriculture-based economy to a more diverse economy, including financial services, health care and retail. The biggest employers include Wells Fargo, Citigroup, Sanford Health and Avera Health.

Real estate is significantly lower than the national average, as is the cost of living, which is 12.6% lower than the national average, according to BestPlaces.net. The sales tax is 5.9%, and there is no state income or corporate tax.

Photo: Jason Rollison | Getty Images