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
Jobs Report Comes In Weak After Mortgage Rates Surge

Employers added just 29,000 jobs in September, sending Treasury yields lower and offering a potential counterweight to the recent rise in mortgage rates

Oct 02, 2026
Price Cuts Hit Four-Year High As Mortgage Rates Top 7%

More than one in five listings took a price cut in September, but pending sales still posted their sharpest annual decline since March 2025

Oct 01, 2026
Serious Mortgage Delinquencies Rise 19% After Five Months Of Improvement

ICE data shows 574,000 mortgages were at least 90 days past due in August, while early-stage delinquencies remained below year-ago levels

Sep 29, 2026
Smaller Down Payments Give Buyers More Room, But Rates Limit The Savings

The typical down payment fell 9% from a year ago, while shifting market conditions are giving originators different affordability conversations across the country

Sep 25, 2026
Mortgage Rates Break 7% Just As Builders Find A Way To Move Buyers

New-home sales rose 6.4% in August as builders cut prices, offered incentives, and sold more lower-priced homes. Now mortgage rates are moving against buyers again

Sep 25, 2026
Borrowers Want Digital Closings, But Some Originators Remain Hesitant

ServiceLink finds 45% of surveyed LOs cite borrower reluctance as a barrier, even though most recent buyers say digital options would influence their choice of mortgage provider

Sep 23, 2026