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Or maybe people in rural areas are more likely to be financially secure and own their property. There are many more impoverished people in cities who would skew a 'happiness' survey for a city. It would be interesting to compare people with similar takehome pay rural to urban.

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That kind of sounds like "rural people are better with money than the city slickers." But, when I look at places like Ohio, Michigan, Georgia, Alabama, Mississippi, Kentucky, Tennessee, Missouri there seem be a fair number of bankruptcies. I imagine we can look this up if we're so inclined. Is there a correlation between level of education and number of bankruptcy filings?

"Theory for this is less stress due to finances"

Believe I included this in my original comment. It's likely a big contributor in these types of survey. It's a little easier on your health to not be living paycheck to paycheck.

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