Watch Out Santa … for America’s Naughtiest Cities! – NMP Skip to main content

Watch Out Santa … for America’s Naughtiest Cities!

Dec 18, 2014

Yes, kids, it’s that time of year when a certain overweight old guy in a red suit drives a reindeer-fueled sled through the skies. And while the beloved Mr. Claus drops down the chimney with a list separating the naughty children from the nice children, the fun-loving economists at RealtyTrac have their own mistletoe-scented list of America’s naughtiest and nicest cities for 2014.

And just what constitutes a “Naughty City” and a “Nice City?” Home affordability and foreclosure rates are part of the mix—hey, it is RealtyTrac, after all—along with unemployment by county, the average elementary school score, the overall crime levels and, in a twist that rarely finds its way into any Yuletide equation, the number of sex offenders per capita.

So, who made the “nicest cities” list? Cary, N.C., came in first, followed by Fairfax, Va. Six of the remaining top 10 nice cities were based in Texas–Pearland at number three, Frisco at number five, Sugar Land at six, Richardson at seven, Katy at eight followed by College Station number nine–while the remaining two were in California–Irvine at four and Fremont at number 10.

“There were 55 cities with unemployment, sex offenders and foreclosure inventory below the national averages along with an average school score above the national average and a crime rating of B or above,” said RealtyTrac in announcing their findings.

As for the “Naughty Cities,” Milwaukee came in at the top of that sorry list, followed by Detroit in second. Three other California cities found their way into this unwelcome company–Stockton at three, Fresno at number five and, perhaps not so ironically, the state capital of Sacramento at six. Other perennially-troubled metropolitan areas included Philadelphia and the Connecticut capital of Hartford that also wound up in this troubled round-up.

“There were 20 cities where unemployment, sex offenders, and foreclosure inventory were above the national averages along with school ratings below the national average and a crime rating of C or below,” RealtyTrac added.

Ho, ho, ho—indeed! 

About the author
Published
Dec 18, 2014
Better's Mortgage Volume Rises 15%, But Losses Persist

Better is targeting a bigger share of wholesale lending, with plans to expand into Non-QM and conventional mortgages

Nov 10, 2026
Strong Jobs Report Threatens Mortgage Rate Rally

October hiring more than doubled expectations, pushing Treasury yields higher

Nov 06, 2026
Fed Holds Rates, But Pricing Pressures Persist

Rising Treasury yields and fresh inflation data complicate rate locks, borrower qualification, and lender margins as markets anticipate another hike in December

Oct 29, 2026
Zippy Adds Capital For Manufactured-Home Lending Push

The $20 million investment from Saluda Grade will support expansion beyond 27 states and new loan products across wholesale, retail, and community channels

Oct 16, 2026
Inflation Hits 3.7%, Putting Mortgage Rate Relief At Risk

September’s inflation pickup puts recent rate improvements at risk, potentially eroding affordability gains from lower home prices and seller concessions

Oct 14, 2026
PLACE Acquires Ardley, Expanding Push To Turn Existing Borrowers Into New Loans

The latest deal connects borrower retention technology with Maxwell's origination platform and PLACE's real estate network, creating new opportunities for lenders

Oct 09, 2026