New York City, Hawaii, Vegas, Los Angeles, and the like are great places to splurge on a one-week vacation. But high cost of living in these big destination cities make it extremely difficult for the average American family (with an average American income) to afford the average American home.

If you like to slow down on vacation in scenic, quieter locations that typically only draw seasonal tourism, you very well might be able to afford to build a life there. Although some small vacation spots lack economic diversity and employment opportunities, these 10 vacation towns provide broad job options, reasonable living costs, and family-friendly amenities. So why not turn your week-long vacation destination into your permanent home?

Money Crashers examined seven factors when choosing the 10 affordable vacation destinations on their list (there's no measurement of beauty they can take into account, but none of these towns disappoint):

• City / Metro Area Population
• Unemployment Rate
• Change in Unemployment Rate from Previous Year
• Average Home Price (national average: $200,000)
• Median Household Income (national average: $52,000)
• Average Commute Time (national average: 25 minutes)
• Cost of Living Index  (national average: 100 )


CHEAT SHEET:


Fort Collins, Colorado

• City / Metro Area Population: 151,000/310,000
• Unemployment Rate: 4.3%
• Change in Unemployment Rate from Previous Year: -0.9%
• Average Home Price: $241,000
• Median Household Income: $49,500
• Average Commute Time: 17 minutes
• Cost of Living Index: 95


Flagstaff, Arizona

• City / Metro Area Population: 69,000/137,000
• Unemployment Rate: 4.6%
• Change in Unemployment Rate from Previous Year: -0.7%
• Average Home Price: $310,000
• Median Household Income: 49,500
• Average Commute Time: 17 minutes
• Cost of Living Index: 103


Roanoke, Virginia

• City / Metro Area Population: 97,000/312,000
• Unemployment Rate: 5.6%
• Change in Unemployment Rate from Previous Year: -1.0%
• Average Home Price: $129,000
• Median Household Income: $36,500
• Average Commute Time: 21 minutes
• Cost of Living Index: 82


Concord, New Hampshire

• City / Metro Area Population: 43,000/146,000
• Unemployment Rate: 3.6%
• Change in Unemployment Rate from Previous Year: -0.7%
• Average Home Price: $228,000
• Median Household Income: $52,000
• Average Commute Time: 23 minutes
• Cost of Living Index: 110


Traverse City, Michigan

• City / Metro Area Population: 15,000/143,000
• Unemployment Rate: 6.6%
• Change in Unemployment Rate from Previous Year: Flat
• Average Home Price: $178,000
• Median Household Income: $42,000
• Average Commute Time: 17 minutes
• Cost of Living Index: 93


Logan, Utah

• City / Metro Area Population: 48,000/125,000
• Unemployment Rate: 2.6%
• Change in Unemployment Rate from Previous Year: -0.9%
• Average Home Price: $161,000
• Median Household Income: $35,500
• Average Commute Time: 15 minutes
• Cost of Living Index: 85


Galveston, Texas

• City / Metro Area Population: 48,000/290,000
• Unemployment Rate: 5.2%
• Change in Unemployment Rate from Previous Year: -1.5%
• Average Home Price: $121,500
• Median Household Income: $36,000
• Average Commute Time: 22 minutes
• Cost of Living Index: 82


Greenville, South Carolina

• City / Metro Area Population: 61,000/851,000
• Unemployment Rate: 3.8%
• Change in Unemployment Rate from Previous Year: -1.6%
• Average Home Price: $183,500
• Median Household Income: $40,000
• Average Commute Time: 19 minutes
• Cost of Living Index: 91


Duluth, Minnesota

• City / Metro Area Population: 86,000/280,000
• Unemployment Rate: 5.1%
• Change in Unemployment Rate from Previous Year: -0.6%
• Average Home Price: $151,000
• Median Household Income: $41,000
• Average Commute Time: 19 minutes
• Cost of Living Index: 91


Coeur d'Alene, Idaho

• City / Metro Area Population: 44,000/680,000
• Unemployment Rate: 4.9%
• Change in Unemployment Rate from Previous Year: -1.5%
• Average Home Price: $202,000
• Median Household Income: $38,500
• Average Commute Time: 19 minutes
• Cost of Living Index: 91


Read more in Money Crashers"10 Best American Vacation Towns to Live In Year-Round" >>

Learn more about markets featured in this article: Roanoke, VA, Los Angeles, CA.