Featured Credit Cards
Top Places Where You Get the Most Bang For Your Paycheck
It is a well-known fact that workplace norms and expectations vary greatly from place to place. The question comes up frequently: where do people work the hardest? This may not be an immediately obvious fact, but it is still a relatively straightforward matter to measure. We found it more interesting to ask a somewhat different question: where in the U.S. do workers earn the largest paychecks relative to the number of hours in their average workweek. To wit: where do people work the least and earn the most?
We set out to determine, by the numbers, the cities and metropolitan areas where people work fewer, better-compensated hours per week. We analyzed the March 2018 numbers in State and Metro Area Employment, Hours, and Earnings data set from the Bureau of Labor Statistics to determine which U.S. metropolitan areas have the best-paid workers with the shortest average workweeks.
Top Ten Cities Where People Work Shorter, Better-Paid Hours
Mankato-North Mankato, MN
- Value: 15th
- Average Hours in Workweek: 29.0
- Week Length: 3rd Average
- Hourly Wage: $26.35
- Wages: 83rd
The metropolitan area comprising Minnesota college town of Mankato and its immediate environs has been featured in one of RewardExpert’s previous reports, in which it was highlighted as being among the best cities for financially burdened Millennials to start their adult lives. The greater Mankato-North Mankato metropolitan area takes first place for having the third-shortest average workweeks in the country. With average wages in the area also substantially above the national average, those hours are remunerative enough that it is possible to live at a decidedly more leisurely pace in Mankato, as a consequence.
- Value: 13th
- Average Hours in Workweek: 30.4
- Week Length: 8th
- Average Hourly Wage: $28.38
- Wages: 39th
The Corvallis, Oregon, metropolitan area is distinguished not only for being centered upon the westernmost city in the continental United States that has a population greater than 50,000. Residents of Corvallis, the county seat and largest city in Benton County, take second place in our analysis for getting the best value for their hours at work. The Corvallis metropolitan area is home to the main campus of Oregon State University, and the area economy is driven by the education, research, and engineering industries.
- Value: 30th
- Average Hours in Workweek: 30.6
- Week Length: 10th
- Average Hourly Wage: $26.36
- Wages: 82nd
The Chico, California, metropolitan area is a vital economic hub in the northern Sacramento Valley area of the state. Unlike the workaholics in the entertainment and tech industries elsewhere in California, the inhabitants of the Chico area enjoy a relatively short average work week of 30.6 hours and earn $2.50 more per hour than the national average. Like our first- and second-place metropolitan areas, Chico is home to a major state university, Chico State, making education a leading industry. The area is a regional economic hub with employment in many sectors, and it is known for its small business and retail industries.
- Value: 31st
- Average Hours in Workweek: 30.9
- Week Length: 13th
- Average Hourly Wage: $26.56
- Wages: 77th
The town of Barnstable, Massachusetts, is the county seat of Barnstable County, and with a population of just over 45,000, it is the largest city or town on Cape Cod (the distinction between cities and towns in Massachusetts is highly ambiguous, and is almost entirely a matter of terminology: the largest town is nearly five times as populous as the smallest city). Hourly wages here are a couple of dimes higher per hour than in Chico, and likewise, the average work-week for a Cape Codder who makes the town of Barnstable home is only approximately 15 minutes longer. The town of Barnstable is its eponymous county’s economic and retail hub, however, tourism is the dominant industry in Barnstable, as it is throughout the Cape and Islands region of Massachusetts.
Eau Claire, WI
- Value: 42nd
- Average Hours in Workweek: 29.4
- Week Length: 4th
- Average Hourly Wage: $24.62
- Wages: 143rd
Fifth-place Eau Claire, Wisconsin, is a former hub for manufacturing and industry that has survived the decline, first of the lumber industry in Northern Wisconsin, and then the ongoing process of automation that has caused manufacturing payrolls to shrink. As the major city and regional hub, Eau Claire has reinvented itself to an extent, diversified its economy, and maintained a job base in manufacturing: where once sawmills stood, Eau Claire’s manufacturing sector is focused on tech hardware. That being said, while wages aren’t what they once were, accounting for inflation, they still stand just above the national average. Unusually, for an economy reliant on industry, the average number of hours worked by an Eau Claire area resident in a typical week is only 29.4—the fourth-shortest average workweek out of 387 metropolitan areas.
Santa Rosa, CA
- Value: 14rd
- Average Hours in Workweek: 31.7
- Week Length: 36th
- Average Hourly Wage: $29.52
- Wages: 22nd
Located in the heart of Sonoma County’s Wine Country, the Santa Rosa, California, metropolitan area takes sixth-place on our list due to its having average hourly wages more than three dollars above the nationwide average across all metropolitan areas. Santa Rosa also takes its place on the basis of its short average workweek hours of only 31.7 hours for employees in jobs of all stripes. This also compares favorably to the nationwide average of 34.1 hours per workweek. Plenty of time left over, one would think, to hone your tongue’s viticultural virtuosity.
Norwich-New London-Westerly, RI
- Value: 17th
- Average Hours in Workweek: 31.9
- Week Length: 42nd
- Average Hourly Wage: $28.61
- Wages: 35th
The stretch of the Acela corridor that occupies the space that separates the New Haven, Connecticut, and Providence, Rhode Island, metropolitan areas, is one of only two significant gaps in the densely settled Northeastern Megalopolis (the other being between Aberdeen, Maryland, and Newark, Delaware). The Norwich-New London-Westerly metropolitan area, which includes all of New London County in Southeastern Connecticut has a population of over a quarter million, including 27,000 in the city of New London, and approximately 40,000 in the city of Norwich. In combination with the city of Westerly (with a population of approximately 23,000), across the border in Rhode Island, makes up an integrated social/economic region in which wages are on the lower end of the typical range in the region, averaging $28.61 per hour, but the average workweek of area employees amounts to a bucolic 31.9 hours per week. A wide range of industries are represented in the region, with a major contribution from tourism.
- Value: 11th
- Average Hours in Workweek: 32.1
- Week Length: 46th
- Average Hourly Wage: $30.81
- Wages: 13th
The city of Portsmouth, Virginia, one of the chief economic and population centers of the Hampton Roads region of Virginia, comes in at eighth place. This is, perhaps, a bit surprising for a port town with a major naval presence. Average hourly wages in the Portsmouth metropolitan area are just north of thirty dollars per hour: $30.81, to be precise. That’s higher than you will see in all but a dozen metropolitan areas around the country. The average number of hours in a typical worker’s typical work week in Portsmouth is a modest 32.1, which rates Portsmouth-area workers as receiving the eleventh-best value for their working hours.
San Luis Obispo-Paso Robles-Arroyo Grande, CA
- Value: 58th
- Average Hours in Workweek: 29.6
- Week Length: 6th
- Average Hourly Wage: $24.05
- Wages: 160th
You can find our ninth-ranked city and metro area smack-dab in the middle of the Central Coast region of California. The San Luis Obispo-Paso Robles-Arroyo Grande metropolitan area is almost equidistant from the Los Angeles and Bay Areas, and accordingly sees average hourly wages that are significantly lower. It is perhaps fortunate that many area residents are well-heeled enough that middle of the pack hourly wages in the region don’t deter them from enjoying the sixth-shortest workweeks in the country, which come in under thirty hours per week, at 29.6. Education, services, and public administration are dominant economic drivers of the region.
Santa Cruz-Watsonville, CA
- Value: 33rd
- Average Hours in Workweek: 31.6
- Week Length: 28th
- Average Hourly Wage: $27.11
- Wages: 62nd
We conclude our top ten where we began, albeit in a climate that could not contrast more with first-place Mankato, Minnesota: Santa Cruz-Watsonville, California. This is another metropolitan area whose dominant employer is—you guessed it—the University of California at Santa Cruz, which would, were all of its employees residents of Santa Cruz proper, employ one in seven city residents. The fact of the matter is that, with the second largest employer being the government of Santa Cruz County, the average workweek length is in the bottom decile among all metropolitan areas. At 31.6 hours, it ranks 28th shortest in the country. While, as we all know, wages paid to educators and government employees are governed by budgetary constraints, the area average hourly wage of $27.11 remains respectable as compared to the national average, even if it lags behind its northerly neighbors in Silicon Valley and the Bay Area.
Stretch Your Paycheck With the Right Credit Card
If you’re living from paycheck to paycheck or just trying to save for the future on a limited budget, it can be hard to find the cash for those big-ticket items. But there’s no reason you have to hold off on an expensive purchase.
That’s because there are a lot of credit cards on the market that offer interest-free financing on purchases and balance transfers, allowing you to spread out payments for a year or more. If you pay off the balance before the 0% intro APR period is over, it won’t cost anything extra, either.
The Longest Interest-Free Period
Citi Simplicity has the longest introductory 0% APR period for purchases. This no-fee credit card gives you 18 months of interest-free financing on both purchases and balance transfers, plus no late fees and no penalty rates.
Citi Simplicity® Card - No Late Fees Ever
- + Save time when you call with fast, personal help, 24 hours a day – just say “representative”
- + Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
- 3% foreign transaction fee
- + There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
If you have existing debt you want to pay down, the Citi Diamond Preferred might be a better option. It gives you zero interest for 12 months on purchases but offers 21 months for balance transfers. You won’t get a longer no-interest period than that.
Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer
- 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.99% - 24.99%, based on your creditworthiness
- 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.99% - 24.99%, based on your creditworthiness
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- No annual fee
- 3% foreign transaction fee
- + $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
Earn Rewards and Get 0% APR
There are even cards that let you earn rewards while taking advantage of interest-free financing. That way you can use the cash back you earn to help pay down your balance.
The Discover it card offers 14 months of 0% APR on purchases and balance transfers, plus 5 percent cash back in rotating bonus categories and 1 percent back for everything else. Even better, at the end of your first year as a cardholder, Discover will match all of the cash back you’ve earned. You’ll essentially get 10 percent back in bonus categories and 2 percent back for everything else. You can’t beat that.
Discover it® Cash Back
- + cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- + Plus, earn unlimited 1% cash back on all other purchases - automatically.
- + Redeem cash back any amount, any time. Rewards never expire.
- + Use your rewards at Amazon.com checkout.
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- No annual fee.
If you don’t want to deal with special bonus categories, and you’d like to get your welcome bonus upfront, the Chase Freedom Unlimited card is an excellent alternative. You’ll get a quick $150 bonus after spending just $500 in the first three months, plus an unlimited 1.5 percent cash back on all purchases.
Chase Freedom Unlimited®
- + Unlimited 1.5% cash back on every purchase - it's automatic
- + No minimum to redeem for cash back
- + Cash Back rewards do not expire as long as your account is open
- + Free credit score, updated weekly with Credit Journey℠
Earn a $150 Bonus after you spend
$500on purchases in your first 3 months from account opening
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- 3% of each transaction in U.S. dollars
- + No annual fee
And the interest-free financing? Well, that’s a little longer than Discover’s offer at 15 months for both purchases and balance transfers.
You Don’t Have to Put Off That Big Purchase
There are a lot more cards on the market that offer promotional 0% APR periods. Here’s RewardExpert’s complete list.
Remember, it’s best to pay off the balance before the promotional period is over. If you don’t, your remaining balance will be hit with the standard—and typically high—interest rates that come with credit cards.
To obtain the overall score used to rank each of the 387 metropolitan areas for which data was available, we first ranked each metropolitan area for the average length of a typical area worker’s work week in hours, and the relative value of each hour spent working (average wage divided by average number of hours worked). We took the arithmetical mean of these two, and ranked cities and metropolitan areas according to this composite score, reflecting workweek length, and earning power per hour.
State and Metro Area Employment, Hours, and Earnings Data Set, Bureau of Labor Statistics (Table D-6)