Financial analysis website TheCreditReview ranked the 55 largest metros across the U.S. to determine which city is the most financially healthy. Three Texas cities ranked in the top 10: Austin, Houston and Dallas.

TheCreditReview considered municipal financial health (including per-capita GDP, rainy day score and revenue-to-debt ratio), business financial health (including new business creation, new business applications, job creation, bankruptcies and state business tax) and resident financial health (including household income, home affordability, new housing and debt-to-income ratio).

Houston ranked seventh overall, with TheCreditReview citing “overall residential financial health” across the Bayou City. In fact, Houston’s score for residential financial health was the highest of all metros analyzed. Factors such as household debt-to-income scores and home affordability are part of what makes Houston’s residents financially healthy.

The highest ranking cities on the list were Indianapolis, Salt Lake City and Atlanta. Closing out the bottom of the list were cities in California and New York, which were the least financially healthy states in the country.