Suburbs vs City: Where’s the Best Place to Raise a Family?
5 minute read
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May 23, 2025

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Choosing where to raise your family is one of the biggest decisions you’ll ever make. 

As you weigh your options, one question likely rises to the top: suburbs vs city—which is better for your family’s lifestyle, finances, and future?

There’s no one-size-fits-all answer, but understanding the pros and cons of each environment can help you make a decision that aligns with your long-term goals.

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Why buy a home in the suburbs?

1. More space

One of the most obvious benefits of living in the suburbs is the space. 

Families typically enjoy:

  • Larger homes
  • Bigger backyards
  • Quieter neighborhoods

If you dream of a home office, a dedicated playroom, or just a little breathing room, suburban life makes that a reality.

2. Peace of mind

Suburbs also tend to be more peaceful. Fewer cars, less noise, and reduced foot traffic create a calmer environment that can contribute to lower stress levels and a more balanced mental state. 

Additionally, suburban homes often provide private yards, ideal for kids to play safely outside or for families to host get-togethers without worrying about space constraints.

3. Lower cost of living

Housing prices in suburban areas are often significantly more affordable than in urban centers. 

Not only are the homes themselves less expensive per square foot, but costs for childcare, parking, and local taxes may also be lower. 

If you’re working with a set budget, the suburbs might stretch your dollar further without sacrificing quality of life.

For example, many suburban areas offer quality public schooling options, helping families avoid the high cost of private education, which is sometimes necessary in overcrowded or underfunded city school districts.

4. Stronger sense of community

From block parties to local sports leagues, suburban neighborhoods often foster strong community ties. 

Your kids may attend school with the same group of children for years, creating lasting friendships and support networks. 

Suburban schools often boast:

  • Smaller class sizes
  • Lower student-to-teacher ratios
  • More funding for extracurricular activities such as music, sports, and arts programs

Suburbs can also provide families with peace of mind due to lower crime rates and an environment that encourages neighborly support and shared parenting responsibilities.

Why consider a home in the city?

1. Convenience and connectivity

Living in a city often means being close to everything:

  • Work
  • Schools
  • Healthcare
  • Cultural attractions 

Public transportation can make commuting and weekend outings much easier and more affordable than owning multiple vehicles.

Teenagers and young adults benefit especially from this accessibility, gaining independence through buses, subways, and bike-share programs without depending on their parents for every ride. 

For parents, city living often means quick access to pediatricians, hospitals, and emergency care facilities that may not be as conveniently located in suburban or rural areas.

2. More job opportunities

Cities remain hubs for employment, particularly in industries such as technology, finance, healthcare, and education. 

According to the U.S. Bureau of Labor Statistics, urban areas offer a greater number of jobs and often higher wages compared to suburban counterparts.

If career growth is high on your family’s priority list, city living might provide the opportunities you need. 

Many dual-income households find that living close to both parents’ jobs simplifies daily logistics and supports a better work-life balance.

3. Endless entertainment and enrichment

Museums, theaters, libraries, parks, and cultural festivals are just around the corner in most urban areas. These amenities can enrich your child’s education and offer countless ways to make family memories without ever leaving town.

In addition, cities often host seasonal events, parades, and community programs that give families a reason to explore their neighborhoods year-round. 

If you value diversity, cities offer exposure to people from various backgrounds, cultures, and experiences, enriching your child’s worldview and social awareness.

What about living in the country?

While less common, rural living is a third option that appeals to families seeking simplicity and a closer connection to nature.

Perks of country life

  • Abundant outdoor space for kids and pets to roam.
  • Access to local farms and fresh foods encourages healthier eating habits.
  • Freedom to explore hobbies like gardening, raising animals, or woodworking.

However, rural areas may lack access to top-tier schools, major employers, or specialty healthcare facilities, which are important considerations for growing families. 

Limited broadband access and fewer extracurricular programs or enrichment opportunities can also be challenges, particularly for teenagers.

Key questions to ask before deciding on new home location

Still torn on the suburbs vs city question? 

Ask yourself:

  • What’s your current and future income potential compared to the cost of living?
  • Do you prefer a tight-knit community or a fast-paced, diverse social scene?
  • Are school quality and extracurricular opportunities top priorities?
  • How important is outdoor space versus walkable convenience?
  • Will you need access to airports, hospitals, or large job markets?

To help visualize the decision, consider these examples:

  1. Family A consists of two remote-working parents with toddlers. They prioritize quiet streets, large yards, and strong public schools, making the suburbs their best match.
  2. Family B is a dual-income couple working in finance and healthcare with two teens involved in arts and science programs. They choose city living for short commutes, access to museums, and elite magnet schools.
  3. Family C homeschools their children and values nature, self-sufficiency, and space for a small farm. A rural property suits them best.

Each family’s needs are different. Some thrive in a vibrant, energetic city. Others find peace and security in a quiet cul-de-sac. And for a few, a farmhouse in the country is just the ticket.

Make the move with confidence

No matter which path you choose, GO Mortgage is here to help you take the next step toward your ideal family home

Our experienced team can guide you through financing options tailored to your location, lifestyle, and budget.

Check your mortgage options today at GO Mortgage.

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