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A million bucks in liquid assets isn't what it used to be, but it's still really hard to amass. Back out things such as the value of real estate the bulk of most folks' wealth is tied up in their homesemployer-sponsored retirement plans and business partnerships, and only 6. Examples of investable assets include cash, stocks, bonds and funds, among a bunch of other types of investments and financial products. By raw s, most millionaires in America can be found in and around big cities such as New York, Los Angeles and Chicago — just as you would expect. But high concentrations of millionaires can be found in some far-flung places too.

Phoenix Marketing Internationala firm that tracks the affluent market, annually ranks urban areas, large and small, based on the percentage of millionaire households in each location. The following list of cities is limited to "micropolitan" areas, which the Census Bureau defines as urban clusters with populations between 10, and 50, "plus adjacent territory that has a high degree of social and economic integration with the core as measured by commuting ties. In some cases, these locations benefit from being popular recreational areas or havens for wealthy retirees. In others, a particular industry drives local wealth.

Either way, these are the 25 smallest cities and towns boasting the highest concentrations of millionaire households in the U. And just for good measure, we're also providing some important tax and cost-of-living information. The Hudson, New York, micro area has emerged as an upstate hidey-hole for the well-heeled.

Roughly 35 miles south of the state capital of Albany, the area abuts the banks of — you guessed it — the Hudson River. Water views, rolling hills and a verdant landscape at least in the warmer months make for many an idyllic scene. Hudson has become popular with millionaires and non-millionaires alike thanks to its myriad restaurants, art galleries and nightlife.

But the town's ature draws are antiques and architecture. Hudson boasts scores of antiques dealers, which led the charge in making the town attractive for new residents, tourists and wealthier folks in search of second homes. At the same time, Hudson is chockablock with architectural gems. Unfortunately for millionaires and folks of lesser means, New York State taxes take a bite.

Hefty income taxes and high property taxes make the Empire State one of Kiplinger's 10 least tax-friendly states. If your ideal summer retreat is a lakeside getaway, you could hardly do better than Laconia. And, unlike more rural parts of the vacation wonderland, Laconia is just a few miles off Interstate That makes for easy access to the White Mountain National Forest about 30 miles to the north.

More importantly, it makes Laconia a relatively easy drive from points farther south where millionaires maintain their primary residences. It also helps that New Hampshire is a relatively tax-friendly state. As we shall see, another area near Laconia makes this list of small towns with a high percentage of millionaires. The Claremont-Lebanon micro area abuts Laconia and has plenty of its own attractions, as well. Perhaps best known is Hanover, N. Located along the Connecticut River bordering Vermont, this square-mile town in the Upper Valley is home to Dartmouth College, the smallest of the eight Ivy League colleges.

As a result, Hanover buzzes with a diverse mix of art, culture and outdoor sporting and recreational activities year-round. Another attractive aspect of the area is that the City of Lebanon operates Storrs Hill, a acre ski area that hosts three ski trails, two ski jumps, a surface lift and ski lodge. As residents like to point out, few towns have a groomed ski area right in their downtown that is accessible to all. When folks think of Steamboat Springs, its reputation as one of the best ski resort towns in the world is likely what first comes to mind.

But the area offers a wealth of outdoor fun year-round. Thanks to its location on the Yampa river, Steamboat Springs is perfect for fishing, rafting, tubing and kayaking. The rugged mountain terrain is ideal for hiking, mountain biking, camping, you name it. It also has a trio of hole golf courses. Millionaires building second homes in the Steamboat Springs area have done more to push up house prices than wages. The Faribault-Northfield area is so desirable that Kiplinger has named it a great place to retire.

The Cannon River runs through town, and several parks and walking paths provide access to fishing, canoeing and kayaking. Fitness buffs have plenty of options: In the snowy Minnesota winter, you can cross-country ski along miles of groomed trails or snowshoe through Carleton's Cowling Arboretum. Too cold outdoors? No need to worry about health care, either. On the downside, Minnesota is not a friendly state when it comes to taxes. The North Star State hits hard with income tax and property taxes are on the high side, too.

Gardnerville Ranchos is a favorite hiding place for millionaires because of its proximity to Lake Tahoe, which has long been a getaway for the rich and famous. With everything from ski resorts to beaches, the Lake Tahoe area offers year-round activities for well-heeled tourists and full-time residents alike.

Carson City, capital of the Silver State, is just 20 miles to the north of Gardnerville Ranchos, and high rollers can reach Reno's casinos in an hour. It's easy to see why Glenwood Springs is popular with millionaires. The small resort city about miles west of Denver is loaded with fun stuff to do — and not just in winter, when skiing is the main attraction in the Colorado Rockies. Hot springs, rafting, kayaking, fishing, hiking, mountain biking and golf, among many other activities, make Glenwood Springs a year-round destination.

The city's great appeal is no secret. Glenwood Springs has collected many accolades over the years. Indeed, benchmark U. In the first half of the s, North Dakota had the fastest-growing economy in the nation, thanks to the explosion Odler man for younger Los Alamos bbw shale oil drilling. Places like Dickinson, located in the oil-rich Bakken Formation, were mining millionaires. Then oil prices collapsed in and some folks even started pulling up stakes. By the end of the last decade, fortunes were once again looking up, but that came to a halt with the coronavirus.

If there's a silver lining, it's that North Dakota is one of the nation's more tax-friendly states. Indeed, it has been cutting income taxes for several years in a row — Odler man for younger Los Alamos bbw the point that they barely exist. That helps explain its inclusion on the list of small towns with high concentrations of millionaires. Happily for residents, Washington is among the most friendly states for taxes. The Evergreen State makes the cut because it doesn't have an income tax.

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Unfortunately, some of the other state and local taxes aren't quite so taxpayer-friendly. Tiny Elko, Nevada, owes its high concentration of millionaires to its status as the capital of Nevada's gold mining industry. Although gold mining is no longer much of a growth area, pulling the yellow metal from the ground does remain a productive endeavor. Indeed, if Nevada were a country, it would be the world's fourth-largest producer of gold behind China, Australia and Russia, according to the U. Geological Survey. Elko's fortunes rise and fall with the price of gold, so one would hope that its millionaire population is properly diversified.

Happily, for all of Elko's residents, Nevada is a no-income-tax haven, and one of Kiplinger's top 10 most tax-friendly states. The New Hampshire state capital is home to a horde of state, county, local and federal agencies — and the law firms and professional agencies that support them. Concord also is a major distribution, industrial and transportation hub.

Tourism is a key contributor to the local economy, thanks to the nearby New Hampshire International Speedway, as is the state's increasing emergence as a center of high-tech manufacturing. Concord also benefits from being within easy reach of Laconia and the state's famed Lakes Region, as noted earlier.

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Residents seeking a break from quaint New England living can drive to Boston in less than 90 minutes. You'll find the Truckee-Grass Valley area on the California side of Lake Tahoe, with Truckee proper situated near the shore of the famed lake itself and Grass Valley sitting farther to the west.

Multiple bodies of water including Donner Lake, where the Donner Party met its gruesome demise, make the entire area a recreational haven for water sports. And the long, snowy winters are perfect for the numerous ski resorts in the vicinity of Truckee and Grass Valley.

Another appealing aspect of the area for millionaires: It's a straight shot down Interstate 80 to reach Sacramento, the state capital, and San Francisco. The Golden State's reputation as a high-tax destination is built in part on how aggressively it goes after big earners, with a But for more modest incomes, the impact is far milder, and property taxes are low.

The appeal of Key West to millionaires — and heck, everyone — is pretty self-evident. The sun-kissed island and nearby neighbors offer a tropical paradise in the good ol' U. The allures of the Key West area are well known. Boating, fishing, snorkeling, scuba diving and lazing on the beach are just some of Key West's draws. And don't forget the incomparable sunsets. Like all Floridians, Key West's millionaires save a bundle on taxes.

The Sunshine State is well known for its absence of a state income tax, which helps make it one of Kiplinger's 10 most tax-friendly states. Known as the Garden Island, Kauai is one of the state's less developed locales. With pristine beaches, lush forests, soaring mountains and relatively few people, Kapaa and the surrounding area is an ideal place for a millionaire's tropical island nest.

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The downside? The Aloha State is known for its high cost of living — and a mixed picture when it comes to taxes. Be that as it may, property taxes as a percentage of home value are the lowest in the U. By this point in our list of small towns with the highest concentrations of millionaires, it should be clear that Western ski resort towns are mighty popular with people of means. See below for yet even more examples. So it should come as no surprise that Breckenridge would make the cut.

Naturally, skiing is what first comes to mind when it comes to Breckenridge, but the area supports a wide range of sports and cultural activities through all four seasons. Mountain biking, hiking and fly fishing are just a few of the allures for the millionaire who likes the great outdoors. For more sedentary folks, Breckenridge hosts the National Repertory Orchestra every summer and the Breckenridge Film Festival every autumn. Jackson is a town in Wyoming's famed Jackson Hole valley.

With three major ski resorts and an abundance of other year-round recreational activities, it's easy to see the appeal for those with means. And thanks to abundant revenue that the state collects from oil and mineral rights, Wyoming millionaires shoulder one of the lowest tax burdens in the U.

For those living in Idaho, the tax situation is a bit more mixed. Heber boasts world-class recreational activities for the wealthy and regular Joes alike. In winter, it's all about skiing. Five-star skiing at the Deer Valley and Sundance ski resorts is roughly a half-hour away. For year-round activities, the Heber Valley features five hole championship golf courses, three state parks and a historic tourism railroad. Fully 8. Median homes prices top the U. Tiny Easton, on the Eastern Shore of the Chesapeake Bay, prides itself on its out-of-the-way feel, with country farms mixing with lavish waterfront estates.

It has long been a retreat for the well-to-do of the Mid-Atlantic seeking antique shops Odler man for younger Los Alamos bbw solitude. Easton's proximity to the beach, abundance of parks and good schools make for an idyllic small-town experience for residents. At the same time, the town offers easy access to several major cities. It's less than an hour away from Annapolis, the state capital, while Washington, D. Maryland has the second most millionaires per capita of any state in the U.

The nearby world-class resorts of Vail and Beaver Creek draw big-spending skiers hoping to see and be seen all winter long. But the area offers much more than pricey lift tickets and celebrity spotting. Fly fishing, hiking and whitewater rafting draw folks to town in the summer months. High-end restaurants, plush lodges and spas are just some of the ways that millionaires can pamper themselves.

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25 Small Towns With Big Millionaire Populations