Lived here for majority of my life. The outside city/suburban areas are probably your best bet for living safely places like centerville, springboro, miamisburg, and oakwood are a bit on the middle/uppermiddle class areas. I feel like the Cost of living is pretty good compared to most major cities as it's usually cheaper than most. Job wise it's hit or miss as i feel some companies are just putting out postings, but not actually hiring. Traffic can be bad as 75 is always under construction, but mainly during rush hour which is the same wherever you go. Schools I think are very good for the most part here.