A new study crowns Des Moines, Iowa as the most financially responsible city in the U.S., thanks to low debt-to-income ratios and sensible housing costs. Joining Des Moines in the top 10 are cities like San Jose, Madison, Minneapolis, and Seattle, all recognized for smart money habits—like low credit card debt, strong credit scores, and minimal overspending. These cities are proving that financial health isn’t just about high income—it’s about living within your means, making wise choices, and planning for the future. From the Midwest to the West Coast, these metro areas are setting the gold standard for economic responsibility in 2025.