Ripon is the 21st best city in Northern California for young families.

That’s the conclusion of rankings devised by NerdWallet.com of cities with more than 10,000 residents based on home affordability (30 percent of the score), growth and prosperity (20% of the score), family friendliness (20% of the score) and educational quality (30 percent of the score).

Lathrop came in at 100th and Manteca at 111th

El Dorado Hills along Highway 50 east of Sacramento in El Dorado County topped the ranking of 220 cities. Rounding out the top 10 in descending order were Folsom, San Ramon, Dublin, Kingsburg, Roseville, Rocklin, Elk Grove, Clovis and Clayton.

Using data from the American Community Survey nerdwallet.com listed Ripon with 14,645 residents, a 2014 median home value of $301,000 with select housing costs pegged at $2,231 a month, the 2014 median family income at $88,176, and income growth of 40.87 percent between 1999 and 2014.

Ripon has 25.3 percent of its residents that are married with children. Some 16.6 percent of Ripon’s families that have young children live in poverty.

They used NeighborhoodScout.com to conclude that Ripon is “safe” when it comes to crime.

SchoolDigger.com and the NerdWallet site ranking of every city in the state with a percentile score relative to other cities was used to determine the educational quality. Ripon is at the 71.11 percentile.

Lathrop came in at 100th. It is listed with a population of 19,163 residents, a 2014 median housing value of $196,800, a selected monthly housing cost of $1,817, and a 2014 median family income of $64,131.

Lathrop has 33.3 percent of its residents that are married with children. Some 10.8 percent of Lathrop’s families that have young children live in poverty.

They used NeighborhoodScout.com to conclude that Lathrop is “safe” when it comes to crime.

Lathrop is rated at the 53.67 percentile in terms of quality education.

Manteca came in at 111th. It is listed with a population of 70,659 residents, a 2014 median housing value of $217,900, a selected monthly housing cost of $1,819, and a 2014 median family income of $67,043.

Manteca has 26.2 percent of its residents that are married with children. Some 16.5 percent of Manteca’s families that have young children live in poverty.

They used NeighborhoodScout.com to conclude that Manteca is “less safe” when it comes to crime.

Manteca is rated at the 53.67 percentile in terms of quality education.

NerdWallet is a personal finance website that deals with information regarding mortgages, refinancing, various loan options and related information. The site has tools to compare mortgage rates, a mortgage caculator, and a cost of living calculator. All are designed to help provide a general idea of affordability of a family’s ability to buy a home and live in specific cities.

Site writer Anna Helhoski noted “Northern California has a reputation for pricey living, but young families are still finding affordable homes and good public schools in the suburbs of Sacramento and Fresno, as well as areas east of San Francisco.

“Half of the 10 best places for young families in Northern California are clustered in suburbs of the state capital, NerdWallet found. Three other communities in our top 10 are in the east part of the Bay Area, where the technology industry is booming, and two are farther south, in the Fresno area.”