Cities With The Most Adults Living Alone

As the coronavirus pandemic continues, millions of Americans are hunkering down at home. Working from the kitchen table, homeschooling, and attending virtual happy hours have become the new normal.

But for the 34 million adults who live alone in the U.S., the pandemic and economic downturn bring a unique set of challenges, both financial and psychological. Shelter-in-place and social distancing orders can amplify loneliness for people who live by themselves. At the same time, those suffering job losses and other financial hardships can’t rely on a significant other or roommate to help cover essential costs.

Data from the Census Bureau’s Current Population Survey (CPS) shows that the share of adults who live alone has nearly doubled in the last 50 years. In 2019, 14.6 percent of adults lived by themselves.* The rise of single-person households is due to a variety of factors, according to reserach publication Our World in Data, including rising incomes, migration from rural areas to cities, and increased female labor force participation.

Nationally, nearly 15 percent of people live alone. However, the share of people who live alone varies considerably across different locations and among different demographic groups, making certain populations more at risk of financial distress and feelings of social isolation during the pandemic.

Americans over 75 are the most likely age group to live alone, largely as a result of spouses or domestic partners passing away. People aged 18 to 24, on the other hand, have the lowest rates of living alone, given that many individuals in this younger age group either still live with their parents or live with roommates to save money.

With regard to gender, men aged 25 to 64 are more likely than women to live by themselves, but this trend reverses for individuals over age 65. Differences in age at first marriage, likeliness to remarry, and life expectancy explain much of the divergent trends in living patterns for men and women.

Patterns of adults living alone also vary significantly by location. At the state level, North Dakota has the largest share of adults who live by themselves at 18.2 percent, while Utah has the smallest share at just 8.9 percent. Ohio, Maine, and Vermont also have high rates of people living alone, all at nearly 17 percent. Hawaii and California, states with high living costs, join Utah in having much lower shares of adults who live alone, at 10.4 and 10.5 percent, respectively.

To determine the cities with the most adults living at home, researchers at Self Financial analyzed the latest data from the U.S. Census Bureau. The researchers ranked cities according to the share of adults 18 years and over who live alone. Researchers also looked at the percentage of households with one resident, the total number of adults living alone, median personal income, and median monthly housing costs.

To improve relevance, only cities with at least 100,000 people were included in the analysis. Additionally, cities were grouped into the following cohorts based on population size:

• Small cities: 100,000-150,000
• Midsize cities: 150,000-350,000
• Large cities: more than 350,000

Here are the cities with the highest percentage of adults living alone.

The 15 Large Cities With the Most Adults Who Live Alone

Columbus Photo Credit: Alamy Stock Photo

15. Columbus, OH

• Percentage of adults who live alone: 19.3%
• Percentage of households with one resident: 35.5%
• Total number of adults living alone: 130,034
• Median personal income: $32,262
• Median monthly housing costs: $989

Philadelphia Photo Credit: Alamy Stock Photo

14. Philadelphia, PA

• Percentage of adults who live alone: 19.5%
• Percentage of households with one resident: 38.2%
• Total number of adults living alone: 232,565
• Median personal income: $32,550
• Median monthly housing costs: $974

RELATED: During economic downturns, it’s important to stay on top of your credit score. To help, we’ve put together a comprehensive guide on what you can do to build good credit.

Milwaukee Photo Credit: Alamy Stock Photo

13. Milwaukee, WI

• Percentage of adults who live alone: 19.6%
• Percentage of households with one resident: 36.0%
• Total number of adults living alone: 83,107
• Median personal income: $29,274
• Median monthly housing costs: $873

Indianapolis Photo Credit: Alamy Stock Photo

12. Indianapolis, IN

• Percentage of adults who live alone: 19.9%
• Percentage of households with one resident: 37.5%
• Total number of adults living alone: 127,110
• Median personal income: $32,122
• Median monthly housing costs: $903

Kansas City Photo Credit: Alamy Stock Photo

11. Kansas City, MO

• Percentage of adults who live alone: 20.6%
• Percentage of households with one resident: 36.8%
• Total number of adults living alone: 76,281
• Median personal income: $36,195
• Median monthly housing costs: $995

RELATED: If you're new to credit or want to improve your credit score, using a credit builder loan could be a great option.

Memphis Photo Credit: Alamy Stock Photo

10. Memphis, TN

• Percentage of adults who live alone: 20.7%
• Percentage of households with one resident: 38.8%
• Total number of adults living alone: 97,908
• Median personal income: $27,396
• Median monthly housing costs: $870

Minneapolis Photo Credit: Alamy Stock Photo

9. Minneapolis, MN

• Percentage of adults who live alone: 21.0%
• Percentage of households with one resident: 38.8%
• Total number of adults living alone: 67,978
• Median personal income: $36,784
• Median monthly housing costs: $1,216

Baltimore Photo Credit: Alamy Stock Photo

8. Baltimore, MD

• Percentage of adults who live alone: 21.0%
• Percentage of households with one resident: 40.3%
• Total number of adults living alone: 95,673
• Median personal income: $36,970
• Median monthly housing costs: $1,091

Seattle Photo Credit: Alamy Stock Photo

7. Seattle, WA

• Percentage of adults who live alone: 21.2%
• Percentage of households with one resident: 38.3%
• Total number of adults living alone: 129,437
• Median personal income: $52,385
• Median monthly housing costs: $1,814

Denver Photo Credit: Alamy Stock Photo

6. Denver, CO

• Percentage of adults who live alone: 22.0%
• Percentage of households with one resident: 39.8%
• Total number of adults living alone: 123,572
• Median personal income: $42,409
• Median monthly housing costs: $1,388

Detroit Photo Credit: Alamy Stock Photo

5. Detroit, MI

• Percentage of adults who live alone: 22.5%
• Percentage of households with one resident: 41.9%
• Total number of adults living alone: 111,468
• Median personal income: $25,389
• Median monthly housing costs: $696

RELATED: If you haven't been able to get access to a credit card and you want to work on your credit, a secured credit card is one option to consider.

Washington DC area Photo Credit: Alamy Stock Photo

4. Washington, DC

• Percentage of adults who live alone: 24.4%
• Percentage of households with one resident: 45.6%
• Total number of adults living alone: 131,010
• Median personal income: $57,851
• Median monthly housing costs: $1,695

New Orleans Photo Credit: Alamy Stock Photo

3. New Orleans, LA

• Percentage of adults who live alone: 25.9%
• Percentage of households with one resident: 49.4%
• Total number of adults living alone: 76,589
• Median personal income: $31,346
• Median monthly housing costs: $997

Atlanta Photo Credit: Alamy Stock Photo

2. Atlanta, GA

• Percentage of adults who live alone: 26.5%
• Percentage of households with one resident: 46.2%
• Total number of adults living alone: 97,906
• Median personal income: $43,813
• Median monthly housing costs: $1,292

Cleveland Photo Credit: Alamy Stock Photo

1. Cleveland, OH

• Percentage of adults who live alone: 28.5%
• Percentage of households with one resident: 47.4%
• Total number of adults living alone: 82,023
• Median personal income: $25,708
• Median monthly housing costs: $701

Methodology & Detailed Results

The cities where the most adults live alone are a disparate group, but many of them have large populations of young, single people without children. Many residents of these cities are at a particular risk of experiencing psychological and financial challenges during the pandemic due to their living arrangements. P

eople fortunate enough to have cash savings, good credit, and retirement funds will be more able to weather this storm—something that is especially true for people who live alone and lack the financial support of another potential earner.

The current healthcare and economic crisis underscores the importance of policies and practices that help develop financial resilience for American citizens.

To determine the cities with the most adults who live alone, researchers at Self Financial analyzed the latest data from the U.S. Census Bureau’s 2018 American Community Survey (ACS). Using ACS data, the researchers ranked cities according to the share of adults 18 years and over who live alone. In the event of a tie, the city with the larger number of adults who live alone was ranked higher. Researchers also calculated the percentage of households with one resident, median personal income, and median monthly housing costs. Median personal income is defined as the median earnings for workers.

To improve relevance, only cities with at least 100,000 people were included in the analysis. Additionally, cities were grouped into the following cohorts based on population size:

• Small cities: 100,000-150,000
• Midsize cities: 150,000-350,000
• Large cities: more than 350,000

*There is a small discrepancy between the two Census Bureau surveys referenced in this analysis. The Current Population Survey (CPS) reports that the percentage of adults who lived alone was 14.6 percent in 2019 and 14.3 percent in 2018. The latest data from the American Community Survey (ACS), on the other hand, reports that the percentage of adults who lived alone was 13.8 percent in 2018. Because all metropolitan- and state-level data referenced in this analysis is from the 2018 ACS, the ACS estimate (13.8 percent) should be used as the basis for comparison.

About the Author

Jeff Smith is the VP of Marketing at Self.