A recent study by a personal finance site, ‘LendingTree’ has come out with the top ten most financially stable cities in the United States. The cities including Des Moines, Iowa, Madison, Wisconsin, and Minneapolis, rank among the most ‘financially responsible’ in the nation.

Minneapolis has a lower share of consumers with maxed-out credit cards. Meanwhile, people in Madison use low quotient of their available credit. Des Moines residents do not spend too much of their income on housing. The report is curated out of 260,000 anonymous LendingTree users along with the support from Federal Reserve and Census data.

According to LendingTree, here are the 10 most financially responsible cities in the USA:

There are also other midwestern cities including Kansas City, Missouri (13), Cincinnati (14), Columbus, Ohio (18) and St. Louis (20). Other financially healthy metros include Knoxville, Tennessee (12th on the list), in the South, and Rochester, New York (16), in the Northeast. LendingTree analysts report that the cities that top the list have decent living costs and solid household income.

Several other Midwestern cities rank in LendingTree’s top 20 for financial responsibility, including Kansas City, Missouri (13), Cincinnati (14), Columbus, Ohio (18) and St. Louis (20). Other financially healthy metros include Knoxville, Tennessee (12th on the list), in the South, and Rochester, New York (16), in the Northeast. Matt Schulz, chief consumer finance analyst at LendingTree, said, “So much of this whole report gets down to income and credit scores. While income doesn’t go into your ability to get a credit card, for example, it plays a major role in setting how much of a credit limit you get once you do get the card.”

Des Moines performs strongly across all five financial metrics. Just 19% of households spend more than 35% of their income on housing, the fourth-lowest rate among the 100 largest US cities. San Jose shares the top spot with two other cities for the lowest debt-to-income ratio at 51%. It also boasts the highest percentage of consumers using less than 30% of their available credit. Madison leads with the lowest percentage of credit cardholders, only 16%, who have a maxed-out card. Minneapolis follows closely, ranking second-lowest among major metros for maxed-out cardholders. Pittsburgh comes in third-lowest for the share of households allocating over 35% of their income to housing.