Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Texas
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Texas ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Cottle County | $375 | $54,100 | 1.152% |
| 2 | Hudspeth County | $384 | $57,400 | 1.179% |
| 3 | Cochran County | $385 | $57,700 | 1.185% |
| 4 | Stonewall County | $386 | $54,700 | 1.360% |
| 5 | Dickens County | $413 | $65,000 | 1.366% |
| 6 | Foard County | $419 | $71,400 | 1.182% |
| 7 | San Augustine County | $424 | $83,500 | 0.816% |
| 8 | Edwards County | $428 | $78,300 | 1.051% |
| 9 | Culberson County | $429 | $84,500 | 0.859% |
| 10 | Willacy County | $430 | $60,800 | 1.914% |
| 11 | Hardeman County | $432 | $76,500 | 1.183% |
| 12 | Lamb County | $433 | $76,600 | 1.192% |
| 13 | Motley County | $437 | $81,100 | 1.097% |
| 14 | Newton County | $438 | $83,100 | 1.030% |
| 15 | Dimmit County | $439 | $80,300 | 1.142% |
| 16 | Borden County | $441 | $105,400 | 0.468% |
| 17 | Briscoe County | $441 | $82,900 | 1.084% |
| 18 | Hall County | $443 | $80,200 | 1.212% |
| 19 | Knox County | $446 | $66,800 | 1.862% |
| 20 | Throckmorton County | $449 | $84,200 | 1.151% |
| 21 | Duval County | $449 | $86,400 | 1.078% |
| 22 | Zapata County | $451 | $88,800 | 1.027% |
| 23 | Brooks County | $453 | $82,700 | 1.260% |
| 24 | Donley County | $462 | $90,500 | 1.126% |
| 25 | Haskell County | $465 | $92,000 | 1.117% |
| 26 | Crosby County | $467 | $75,500 | 1.781% |
| 27 | Fisher County | $468 | $77,600 | 1.705% |
| 28 | Starr County | $469 | $93,300 | 1.122% |
| 29 | Garza County | $470 | $79,300 | 1.660% |
| 30 | Castro County | $473 | $94,900 | 1.124% |
| 31 | Kinney County | $478 | $88,500 | 1.406% |
| 32 | Zavala County | $478 | $88,100 | 1.423% |
| 33 | Baylor County | $478 | $93,300 | 1.247% |
| 34 | Marion County | $480 | $110,500 | 0.787% |
| 35 | Coleman County | $482 | $91,200 | 1.368% |
| 36 | Floyd County | $484 | $101,000 | 1.079% |
| 37 | Kent County | $487 | $108,900 | 0.907% |
| 38 | Crockett County | $490 | $140,000 | 0.333% |
| 39 | Refugio County | $494 | $94,400 | 1.404% |
| 40 | Jones County | $499 | $92,700 | 1.537% |
| 41 | Upton County | $501 | $106,300 | 1.126% |
| 42 | Shelby County | $504 | $111,700 | 1.023% |
| 43 | Swisher County | $505 | $89,200 | 1.743% |
| 44 | Wheeler County | $506 | $97,600 | 1.446% |
| 45 | Falls County | $507 | $97,300 | 1.469% |
| 46 | Jim Wells County | $508 | $104,800 | 1.251% |
| 47 | Trinity County | $508 | $110,100 | 1.107% |
| 48 | Dawson County | $508 | $90,800 | 1.726% |
| 49 | Mitchell County | $510 | $85,700 | 1.960% |
| 50 | Wilbarger County | $511 | $98,800 | 1.474% |
| 51 | Gray County | $512 | $100,400 | 1.429% |
| 52 | Nolan County | $513 | $98,300 | 1.511% |
| 53 | Morris County | $515 | $110,200 | 1.178% |
| 54 | Bee County | $517 | $102,800 | 1.421% |
| 55 | McCulloch County | $518 | $104,400 | 1.375% |
| 56 | Collingsworth County | $519 | $108,400 | 1.271% |
| 57 | Ward County | $519 | $138,800 | 0.600% |
| 58 | Winkler County | $519 | $121,200 | 0.952% |
| 59 | Hutchinson County | $521 | $102,200 | 1.482% |
| 60 | Coke County | $523 | $112,900 | 1.187% |
| 61 | Hale County | $523 | $106,100 | 1.386% |
| 62 | Runnels County | $524 | $103,700 | 1.464% |
| 63 | Reeves County | $524 | $113,700 | 1.181% |
| 64 | La Salle County | $524 | $101,000 | 1.561% |
| 65 | Bailey County | $526 | $104,400 | 1.468% |
| 66 | Concho County | $534 | $105,800 | 1.512% |
| 67 | Jasper County | $539 | $125,900 | 1.036% |
| 68 | Eastland County | $545 | $121,700 | 1.192% |
| 69 | Menard County | $545 | $105,300 | 1.659% |
| 70 | Terry County | $545 | $111,200 | 1.479% |
| 71 | Schleicher County | $547 | $113,400 | 1.429% |
| 72 | Deaf Smith County | $548 | $116,000 | 1.371% |
| 73 | Stephens County | $548 | $105,700 | 1.683% |
| 74 | Sabine County | $549 | $131,900 | 0.997% |
| 75 | Hockley County | $550 | $112,700 | 1.480% |
| 76 | Red River County | $552 | $133,800 | 0.984% |
| 77 | Crane County | $552 | $119,900 | 1.308% |
| 78 | Frio County | $553 | $110,100 | 1.590% |
| 79 | Scurry County | $554 | $110,800 | 1.589% |
| 80 | Childress County | $555 | $115,100 | 1.472% |
| 81 | Karnes County | $559 | $136,900 | 0.982% |
| 82 | Live Oak County | $559 | $142,300 | 0.882% |
| 83 | Cass County | $560 | $133,500 | 1.063% |
| 84 | Tyler County | $568 | $138,400 | 1.032% |
| 85 | Panola County | $570 | $146,000 | 0.899% |
| 86 | Terrell County | $571 | $152,200 | 0.803% |
| 87 | Jim Hogg County | $578 | $125,600 | 1.413% |
| 88 | Pecos County | $579 | $142,900 | 1.034% |
| 89 | Lipscomb County | $580 | $128,400 | 1.363% |
| 90 | Cameron County | $584 | $120,000 | 1.622% |
| 91 | Sterling County | $584 | $143,200 | 1.072% |
| 92 | McMullen County | $585 | $108,800 | 1.992% |
| 93 | Delta County | $587 | $149,400 | 0.975% |
| 94 | Presidio County | $588 | $123,100 | 1.583% |
| 95 | Hamilton County | $588 | $124,800 | 1.537% |
| 96 | Callahan County | $591 | $144,800 | 1.096% |
| 97 | Irion County | $591 | $152,600 | 0.954% |
| 98 | Houston County | $593 | $155,100 | 0.921% |
| 99 | Parmer County | $598 | $127,300 | 1.566% |
| 100 | Nacogdoches County | $600 | $158,200 | 0.925% |
| 101 | Howard County | $604 | $150,300 | 1.092% |
| 102 | Martin County | $604 | $162,200 | 0.884% |
| 103 | Polk County | $605 | $154,000 | 1.037% |
| 104 | Ochiltree County | $607 | $137,200 | 1.402% |
| 105 | Madison County | $608 | $149,100 | 1.155% |
| 106 | Hidalgo County | $610 | $124,000 | 1.764% |
| 107 | Brown County | $610 | $149,900 | 1.152% |
| 108 | DeWitt County | $612 | $167,200 | 0.859% |
| 109 | Carson County | $612 | $140,600 | 1.362% |
| 110 | Potter County | $613 | $134,900 | 1.503% |
| 111 | Sutton County | $614 | $140,600 | 1.378% |
| 112 | Oldham County | $615 | $144,800 | 1.297% |
| 113 | Moore County | $617 | $135,400 | 1.526% |
| 114 | Leon County | $619 | $177,400 | 0.755% |
| 115 | San Saba County | $620 | $161,800 | 1.006% |
| 116 | Hansford County | $620 | $132,100 | 1.639% |
| 117 | Comanche County | $622 | $137,800 | 1.511% |
| 118 | Angelina County | $622 | $149,800 | 1.250% |
| 119 | Camp County | $623 | $159,900 | 1.065% |
| 120 | Dallam County | $624 | $140,500 | 1.470% |
| 121 | Limestone County | $626 | $154,400 | 1.187% |
| 122 | Lynn County | $627 | $130,800 | 1.734% |
| 123 | Freestone County | $630 | $164,400 | 1.037% |
| 124 | Rusk County | $631 | $166,900 | 1.001% |
| 125 | Robertson County | $632 | $172,700 | 0.917% |
| 126 | Sherman County | $634 | $125,500 | 1.952% |
| 127 | Titus County | $636 | $157,900 | 1.201% |
| 128 | Reagan County | $639 | $163,700 | 1.115% |
| 129 | Calhoun County | $641 | $150,000 | 1.397% |
| 130 | Anderson County | $642 | $173,400 | 0.973% |
| 131 | Gonzales County | $642 | $158,900 | 1.227% |
| 132 | Cherokee County | $643 | $160,300 | 1.211% |
| 133 | Lamar County | $644 | $175,500 | 0.951% |
| 134 | Milam County | $644 | $168,900 | 1.059% |
| 135 | Maverick County | $645 | $151,500 | 1.394% |
| 136 | Uvalde County | $646 | $144,400 | 1.565% |
| 137 | Atascosa County | $651 | $157,400 | 1.321% |
| 138 | Burleson County | $654 | $174,000 | 1.044% |
| 139 | Hill County | $654 | $163,100 | 1.234% |
| 140 | Matagorda County | $654 | $162,200 | 1.255% |
| 141 | Roberts County | $654 | $176,800 | 1.005% |
| 142 | Val Verde County | $655 | $151,500 | 1.474% |
| 143 | Orange County | $656 | $163,400 | 1.246% |
| 144 | Young County | $656 | $165,300 | 1.214% |
| 145 | Bowie County | $657 | $161,300 | 1.296% |
| 146 | Navarro County | $658 | $159,900 | 1.325% |
| 147 | Jackson County | $658 | $175,500 | 1.052% |
| 148 | Harrison County | $659 | $178,200 | 1.016% |
| 149 | Wichita County | $662 | $141,600 | 1.766% |
| 150 | Yoakum County | $665 | $183,000 | 0.981% |
| 151 | Clay County | $666 | $161,300 | 1.360% |
| 152 | Liberty County | $666 | $167,100 | 1.251% |
| 153 | Palo Pinto County | $671 | $167,300 | 1.283% |
| 154 | Bosque County | $673 | $184,500 | 1.008% |
| 155 | Upshur County | $673 | $171,200 | 1.226% |
| 156 | Goliad County | $673 | $182,800 | 1.035% |
| 157 | Kleberg County | $674 | $152,200 | 1.614% |
| 158 | Montague County | $675 | $189,400 | 0.951% |
| 159 | Henderson County | $680 | $189,600 | 0.980% |
| 160 | Kimble County | $682 | $173,100 | 1.255% |
| 161 | Wood County | $685 | $195,100 | 0.932% |
| 162 | Mills County | $688 | $200,200 | 0.880% |
| 163 | San Jacinto County | $690 | $183,100 | 1.139% |
| 164 | Jefferson County | $690 | $159,600 | 1.575% |
| 165 | Jack County | $692 | $174,800 | 1.296% |
| 166 | Shackelford County | $696 | $176,900 | 1.287% |
| 167 | Archer County | $697 | $175,300 | 1.322% |
| 168 | Jeff Davis County | $699 | $234,400 | 0.547% |
| 169 | Hopkins County | $703 | $193,200 | 1.072% |
| 170 | Hardin County | $705 | $188,200 | 1.155% |
| 171 | Colorado County | $708 | $194,000 | 1.091% |
| 172 | Gregg County | $709 | $185,800 | 1.222% |
| 173 | Glasscock County | $710 | $248,600 | 0.464% |
| 174 | Coryell County | $716 | $177,400 | 1.414% |
| 175 | Franklin County | $723 | $213,200 | 0.912% |
| 176 | Van Zandt County | $724 | $199,500 | 1.105% |
| 177 | Ector County | $730 | $190,500 | 1.280% |
| 178 | Tom Green County | $731 | $186,700 | 1.351% |
| 179 | Andrews County | $732 | $188,200 | 1.328% |
| 180 | San Patricio County | $741 | $180,400 | 1.527% |
| 181 | Armstrong County | $743 | $185,700 | 1.443% |
| 182 | Wharton County | $744 | $182,700 | 1.505% |
| 183 | Walker County | $746 | $207,900 | 1.112% |
| 184 | Gaines County | $746 | $185,300 | 1.468% |
| 185 | Lavaca County | $748 | $220,900 | 0.957% |
| 186 | Taylor County | $749 | $190,300 | 1.403% |
| 187 | Fannin County | $758 | $213,500 | 1.104% |
| 188 | Rains County | $759 | $214,900 | 1.094% |
| 189 | Hemphill County | $772 | $214,900 | 1.164% |
| 190 | Hartley County | $778 | $213,200 | 1.221% |
| 191 | Victoria County | $782 | $197,600 | 1.488% |
| 192 | El Paso County | $783 | $167,300 | 2.086% |
| 193 | Brewster County | $785 | $216,000 | 1.224% |
| 194 | Hunt County | $785 | $210,900 | 1.297% |
| 195 | Webb County | $785 | $178,900 | 1.851% |
| 196 | Grimes County | $787 | $226,600 | 1.094% |
| 197 | Aransas County | $796 | $236,800 | 1.014% |
| 198 | Lubbock County | $800 | $199,600 | 1.563% |
| 199 | Smith County | $801 | $220,800 | 1.245% |
| 200 | Caldwell County | $804 | $215,600 | 1.332% |
| 201 | Nueces County | $805 | $194,700 | 1.678% |
| 202 | Cooke County | $811 | $224,600 | 1.244% |
| 203 | Medina County | $811 | $220,000 | 1.310% |
| 204 | Bandera County | $811 | $249,800 | 0.940% |
| 205 | Lee County | $812 | $247,500 | 0.969% |
| 206 | Somervell County | $826 | $253,600 | 0.967% |
| 207 | Grayson County | $829 | $228,300 | 1.293% |
| 208 | Mason County | $839 | $274,600 | 0.815% |
| 209 | Lampasas County | $844 | $236,000 | 1.268% |
| 210 | McLennan County | $849 | $219,200 | 1.527% |
| 211 | Erath County | $855 | $251,900 | 1.126% |
| 212 | Bell County | $857 | $221,100 | 1.542% |
| 213 | Fayette County | $875 | $271,100 | 1.008% |
| 214 | Randall County | $881 | $227,500 | 1.577% |
| 215 | Johnson County | $894 | $254,600 | 1.280% |
| 216 | Washington County | $905 | $270,100 | 1.150% |
| 217 | Kerr County | $928 | $285,100 | 1.093% |
| 218 | Wise County | $931 | $277,200 | 1.188% |
| 219 | Hood County | $933 | $281,300 | 1.152% |
| 220 | Austin County | $936 | $270,900 | 1.279% |
| 221 | Llano County | $940 | $322,300 | 0.803% |
| 222 | Chambers County | $950 | $289,900 | 1.135% |
| 223 | Bexar County | $976 | $244,100 | 1.814% |
| 224 | Wilson County | $980 | $286,300 | 1.301% |
| 225 | Bastrop County | $985 | $269,500 | 1.513% |
| 226 | Midland County | $988 | $293,000 | 1.262% |
| 227 | Harris County | $988 | $255,000 | 1.718% |
| 228 | Burnet County | $998 | $310,500 | 1.126% |
| 229 | Waller County | $1,010 | $292,000 | 1.360% |
| 230 | Galveston County | $1,021 | $284,900 | 1.488% |
| 231 | Guadalupe County | $1,025 | $285,900 | 1.494% |
| 232 | Brazos County | $1,042 | $279,700 | 1.637% |
| 233 | Dallas County | $1,047 | $277,900 | 1.680% |
| 234 | Brazoria County | $1,058 | $276,800 | 1.745% |
| 235 | Ellis County | $1,073 | $306,400 | 1.460% |
| 236 | Kaufman County | $1,097 | $290,800 | 1.732% |
| 237 | Tarrant County | $1,116 | $294,100 | 1.772% |
| 238 | Montgomery County | $1,153 | $317,500 | 1.649% |
| 239 | Parker County | $1,171 | $343,600 | 1.449% |
| 240 | Blanco County | $1,179 | $396,200 | 1.043% |
| 241 | Comal County | $1,240 | $398,800 | 1.210% |
| 242 | Gillespie County | $1,255 | $432,300 | 1.019% |
| 243 | Hays County | $1,332 | $371,400 | 1.729% |
| 244 | Fort Bend County | $1,346 | $350,300 | 1.988% |
| 245 | Rockwall County | $1,348 | $386,000 | 1.643% |
| 246 | Denton County | $1,424 | $403,400 | 1.721% |
| 247 | Williamson County | $1,452 | $414,600 | 1.707% |
| 248 | Kendall County | $1,465 | $489,800 | 1.203% |
| 249 | Collin County | $1,530 | $447,600 | 1.660% |
| 250 | Travis County | $1,595 | $487,600 | 1.535% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Texas