Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home in Texas
Where the full monthly cost of owning the local median home is lowest. Every figure includes tax, insurance, utilities and maintenance, not just the mortgage.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Texas ranked
| # | County | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Cottle County | $664 | $54,100 | 1.152% |
| 2 | Stonewall County | $678 | $54,700 | 1.360% |
| 3 | Hudspeth County | $691 | $57,400 | 1.179% |
| 4 | Cochran County | $693 | $57,700 | 1.185% |
| 5 | Willacy County | $755 | $60,800 | 1.914% |
| 6 | Dickens County | $760 | $65,000 | 1.366% |
| 7 | Foard County | $800 | $71,400 | 1.182% |
| 8 | Knox County | $802 | $66,800 | 1.862% |
| 9 | Hardeman County | $840 | $76,500 | 1.183% |
| 10 | Lamb County | $842 | $76,600 | 1.192% |
| 11 | Edwards County | $846 | $78,300 | 1.051% |
| 12 | Dimmit County | $867 | $80,300 | 1.142% |
| 13 | San Augustine County | $869 | $83,500 | 0.816% |
| 14 | Crosby County | $870 | $75,500 | 1.781% |
| 15 | Motley County | $870 | $81,100 | 1.097% |
| 16 | Hall County | $871 | $80,200 | 1.212% |
| 17 | Culberson County | $880 | $84,500 | 0.859% |
| 18 | Newton County | $881 | $83,100 | 1.030% |
| 19 | Fisher County | $883 | $77,600 | 1.705% |
| 20 | Briscoe County | $883 | $82,900 | 1.084% |
| 21 | Garza County | $894 | $79,300 | 1.660% |
| 22 | Brooks County | $894 | $82,700 | 1.260% |
| 23 | Throckmorton County | $898 | $84,200 | 1.151% |
| 24 | Duval County | $910 | $86,400 | 1.078% |
| 25 | Zapata County | $925 | $88,800 | 1.027% |
| 26 | Donley County | $945 | $90,500 | 1.126% |
| 27 | Zavala County | $949 | $88,100 | 1.423% |
| 28 | Kinney County | $951 | $88,500 | 1.406% |
| 29 | Haskell County | $956 | $92,000 | 1.117% |
| 30 | Starr County | $967 | $93,300 | 1.122% |
| 31 | Mitchell County | $968 | $85,700 | 1.960% |
| 32 | Coleman County | $969 | $91,200 | 1.368% |
| 33 | Baylor County | $977 | $93,300 | 1.247% |
| 34 | Castro County | $979 | $94,900 | 1.124% |
| 35 | Swisher County | $981 | $89,200 | 1.743% |
| 36 | Dawson County | $993 | $90,800 | 1.726% |
| 37 | Jones County | $994 | $92,700 | 1.537% |
| 38 | Refugio County | $998 | $94,400 | 1.404% |
| 39 | Borden County | $1,003 | $105,400 | 0.468% |
| 40 | Floyd County | $1,023 | $101,000 | 1.079% |
| 41 | Falls County | $1,026 | $97,300 | 1.469% |
| 42 | Wheeler County | $1,027 | $97,600 | 1.446% |
| 43 | Nolan County | $1,038 | $98,300 | 1.511% |
| 44 | Wilbarger County | $1,039 | $98,800 | 1.474% |
| 45 | Gray County | $1,048 | $100,400 | 1.429% |
| 46 | La Salle County | $1,064 | $101,000 | 1.561% |
| 47 | Bee County | $1,066 | $102,800 | 1.421% |
| 48 | Hutchinson County | $1,067 | $102,200 | 1.482% |
| 49 | Jim Wells County | $1,067 | $104,800 | 1.251% |
| 50 | Upton County | $1,068 | $106,300 | 1.126% |
| 51 | Kent County | $1,069 | $108,900 | 0.907% |
| 52 | Marion County | $1,070 | $110,500 | 0.787% |
| 53 | McCulloch County | $1,075 | $104,400 | 1.375% |
| 54 | Runnels County | $1,077 | $103,700 | 1.464% |
| 55 | Bailey County | $1,083 | $104,400 | 1.468% |
| 56 | Hale County | $1,090 | $106,100 | 1.386% |
| 57 | Trinity County | $1,096 | $110,100 | 1.107% |
| 58 | Collingsworth County | $1,098 | $108,400 | 1.271% |
| 59 | Concho County | $1,098 | $105,800 | 1.512% |
| 60 | Shelby County | $1,101 | $111,700 | 1.023% |
| 61 | Morris County | $1,103 | $110,200 | 1.178% |
| 62 | Menard County | $1,107 | $105,300 | 1.659% |
| 63 | Stephens County | $1,113 | $105,700 | 1.683% |
| 64 | Coke County | $1,125 | $112,900 | 1.187% |
| 65 | Reeves County | $1,131 | $113,700 | 1.181% |
| 66 | Terry County | $1,139 | $111,200 | 1.479% |
| 67 | Frio County | $1,140 | $110,100 | 1.590% |
| 68 | Scurry County | $1,146 | $110,800 | 1.589% |
| 69 | Hockley County | $1,151 | $112,700 | 1.480% |
| 70 | Schleicher County | $1,152 | $113,400 | 1.429% |
| 71 | McMullen County | $1,166 | $108,800 | 1.992% |
| 72 | Winkler County | $1,166 | $121,200 | 0.952% |
| 73 | Deaf Smith County | $1,167 | $116,000 | 1.371% |
| 74 | Childress County | $1,170 | $115,100 | 1.472% |
| 75 | Crane County | $1,192 | $119,900 | 1.308% |
| 76 | Eastland County | $1,195 | $121,700 | 1.192% |
| 77 | Jasper County | $1,211 | $125,900 | 1.036% |
| 78 | Cameron County | $1,224 | $120,000 | 1.622% |
| 79 | Crockett County | $1,238 | $140,000 | 0.333% |
| 80 | Presidio County | $1,246 | $123,100 | 1.583% |
| 81 | Jim Hogg County | $1,248 | $125,600 | 1.413% |
| 82 | Sabine County | $1,253 | $131,900 | 0.997% |
| 83 | Hamilton County | $1,255 | $124,800 | 1.537% |
| 84 | Ward County | $1,260 | $138,800 | 0.600% |
| 85 | Lipscomb County | $1,265 | $128,400 | 1.363% |
| 86 | Red River County | $1,266 | $133,800 | 0.984% |
| 87 | Hidalgo County | $1,272 | $124,000 | 1.764% |
| 88 | Cass County | $1,273 | $133,500 | 1.063% |
| 89 | Parmer County | $1,278 | $127,300 | 1.566% |
| 90 | Karnes County | $1,290 | $136,900 | 0.982% |
| 91 | Sherman County | $1,304 | $125,500 | 1.952% |
| 92 | Tyler County | $1,307 | $138,400 | 1.032% |
| 93 | Live Oak County | $1,319 | $142,300 | 0.882% |
| 94 | Lynn County | $1,325 | $130,800 | 1.734% |
| 95 | Hansford County | $1,325 | $132,100 | 1.639% |
| 96 | Potter County | $1,333 | $134,900 | 1.503% |
| 97 | Moore County | $1,339 | $135,400 | 1.526% |
| 98 | Ochiltree County | $1,340 | $137,200 | 1.402% |
| 99 | Pecos County | $1,342 | $142,900 | 1.034% |
| 100 | Sterling County | $1,349 | $143,200 | 1.072% |
| 101 | Panola County | $1,349 | $146,000 | 0.899% |
| 102 | Comanche County | $1,357 | $137,800 | 1.511% |
| 103 | Carson County | $1,362 | $140,600 | 1.362% |
| 104 | Callahan County | $1,364 | $144,800 | 1.096% |
| 105 | Sutton County | $1,364 | $140,600 | 1.378% |
| 106 | Dallam County | $1,374 | $140,500 | 1.470% |
| 107 | Terrell County | $1,384 | $152,200 | 0.803% |
| 108 | Delta County | $1,384 | $149,400 | 0.975% |
| 109 | Oldham County | $1,388 | $144,800 | 1.297% |
| 110 | Madison County | $1,404 | $149,100 | 1.155% |
| 111 | Howard County | $1,406 | $150,300 | 1.092% |
| 112 | Irion County | $1,406 | $152,600 | 0.954% |
| 113 | Brown County | $1,410 | $149,900 | 1.152% |
| 114 | Uvalde County | $1,417 | $144,400 | 1.565% |
| 115 | Wichita County | $1,418 | $141,600 | 1.766% |
| 116 | Houston County | $1,421 | $155,100 | 0.921% |
| 117 | Angelina County | $1,422 | $149,800 | 1.250% |
| 118 | Polk County | $1,427 | $154,000 | 1.037% |
| 119 | Calhoun County | $1,442 | $150,000 | 1.397% |
| 120 | Nacogdoches County | $1,445 | $158,200 | 0.925% |
| 121 | Limestone County | $1,450 | $154,400 | 1.187% |
| 122 | Maverick County | $1,453 | $151,500 | 1.394% |
| 123 | Val Verde County | $1,463 | $151,500 | 1.474% |
| 124 | Martin County | $1,470 | $162,200 | 0.884% |
| 125 | Camp County | $1,477 | $159,900 | 1.065% |
| 126 | Titus County | $1,479 | $157,900 | 1.201% |
| 127 | San Saba County | $1,483 | $161,800 | 1.006% |
| 128 | Kleberg County | $1,487 | $152,200 | 1.614% |
| 129 | Gonzales County | $1,490 | $158,900 | 1.227% |
| 130 | Atascosa County | $1,491 | $157,400 | 1.321% |
| 131 | Cherokee County | $1,499 | $160,300 | 1.211% |
| 132 | DeWitt County | $1,504 | $167,200 | 0.859% |
| 133 | Freestone County | $1,508 | $164,400 | 1.037% |
| 134 | Navarro County | $1,511 | $159,900 | 1.325% |
| 135 | Reagan County | $1,513 | $163,700 | 1.115% |
| 136 | Bowie County | $1,519 | $161,300 | 1.296% |
| 137 | Matagorda County | $1,520 | $162,200 | 1.255% |
| 138 | Rusk County | $1,522 | $166,900 | 1.001% |
| 139 | Hill County | $1,524 | $163,100 | 1.234% |
| 140 | Clay County | $1,527 | $161,300 | 1.360% |
| 141 | Orange County | $1,528 | $163,400 | 1.246% |
| 142 | Young County | $1,539 | $165,300 | 1.214% |
| 143 | Jefferson County | $1,542 | $159,600 | 1.575% |
| 144 | Milam County | $1,545 | $168,900 | 1.059% |
| 145 | Robertson County | $1,554 | $172,700 | 0.917% |
| 146 | Liberty County | $1,558 | $167,100 | 1.251% |
| 147 | Palo Pinto County | $1,564 | $167,300 | 1.283% |
| 148 | Leon County | $1,566 | $177,400 | 0.755% |
| 149 | Anderson County | $1,568 | $173,400 | 0.973% |
| 150 | Lamar County | $1,580 | $175,500 | 0.951% |
| 151 | Burleson County | $1,582 | $174,000 | 1.044% |
| 152 | Upshur County | $1,587 | $171,200 | 1.226% |
| 153 | Jackson County | $1,595 | $175,500 | 1.052% |
| 154 | Roberts County | $1,598 | $176,800 | 1.005% |
| 155 | Kimble County | $1,606 | $173,100 | 1.255% |
| 156 | Harrison County | $1,611 | $178,200 | 1.016% |
| 157 | Jack County | $1,625 | $174,800 | 1.296% |
| 158 | Archer County | $1,633 | $175,300 | 1.322% |
| 159 | Shackelford County | $1,641 | $176,900 | 1.287% |
| 160 | Yoakum County | $1,642 | $183,000 | 0.981% |
| 161 | Goliad County | $1,649 | $182,800 | 1.035% |
| 162 | Bosque County | $1,658 | $184,500 | 1.008% |
| 163 | Coryell County | $1,663 | $177,400 | 1.414% |
| 164 | San Jacinto County | $1,667 | $183,100 | 1.139% |
| 165 | El Paso County | $1,676 | $167,300 | 2.086% |
| 166 | Montague County | $1,686 | $189,400 | 0.951% |
| 167 | Henderson County | $1,693 | $189,600 | 0.980% |
| 168 | Gregg County | $1,701 | $185,800 | 1.222% |
| 169 | San Patricio County | $1,704 | $180,400 | 1.527% |
| 170 | Hardin County | $1,709 | $188,200 | 1.155% |
| 171 | Wharton County | $1,720 | $182,700 | 1.505% |
| 172 | Wood County | $1,727 | $195,100 | 0.932% |
| 173 | Tom Green County | $1,728 | $186,700 | 1.351% |
| 174 | Armstrong County | $1,734 | $185,700 | 1.443% |
| 175 | Hopkins County | $1,735 | $193,200 | 1.072% |
| 176 | Gaines County | $1,735 | $185,300 | 1.468% |
| 177 | Andrews County | $1,736 | $188,200 | 1.328% |
| 178 | Webb County | $1,741 | $178,900 | 1.851% |
| 179 | Colorado County | $1,744 | $194,000 | 1.091% |
| 180 | Ector County | $1,747 | $190,500 | 1.280% |
| 181 | Mills County | $1,757 | $200,200 | 0.880% |
| 182 | Taylor County | $1,765 | $190,300 | 1.403% |
| 183 | Van Zandt County | $1,789 | $199,500 | 1.105% |
| 184 | Victoria County | $1,837 | $197,600 | 1.488% |
| 185 | Nueces County | $1,845 | $194,700 | 1.678% |
| 186 | Walker County | $1,855 | $207,900 | 1.112% |
| 187 | Franklin County | $1,861 | $213,200 | 0.912% |
| 188 | Lubbock County | $1,866 | $199,600 | 1.563% |
| 189 | Fannin County | $1,897 | $213,500 | 1.104% |
| 190 | Rains County | $1,906 | $214,900 | 1.094% |
| 191 | Hunt County | $1,911 | $210,900 | 1.297% |
| 192 | Hartley County | $1,916 | $213,200 | 1.221% |
| 193 | Hemphill County | $1,919 | $214,900 | 1.164% |
| 194 | Lavaca County | $1,928 | $220,900 | 0.957% |
| 195 | Brewster County | $1,938 | $216,000 | 1.224% |
| 196 | Jeff Davis County | $1,951 | $234,400 | 0.547% |
| 197 | Caldwell County | $1,955 | $215,600 | 1.332% |
| 198 | Smith County | $1,980 | $220,800 | 1.245% |
| 199 | Medina County | $1,986 | $220,000 | 1.310% |
| 200 | Grimes County | $1,997 | $226,600 | 1.094% |
| 201 | Cooke County | $2,010 | $224,600 | 1.244% |
| 202 | McLennan County | $2,019 | $219,200 | 1.527% |
| 203 | Glasscock County | $2,037 | $248,600 | 0.464% |
| 204 | Bell County | $2,037 | $221,100 | 1.542% |
| 205 | Grayson County | $2,048 | $228,300 | 1.293% |
| 206 | Aransas County | $2,060 | $236,800 | 1.014% |
| 207 | Randall County | $2,096 | $227,500 | 1.577% |
| 208 | Lampasas County | $2,104 | $236,000 | 1.268% |
| 209 | Lee County | $2,133 | $247,500 | 0.969% |
| 210 | Bandera County | $2,145 | $249,800 | 0.940% |
| 211 | Somervell County | $2,179 | $253,600 | 0.967% |
| 212 | Erath County | $2,200 | $251,900 | 1.126% |
| 213 | Johnson County | $2,253 | $254,600 | 1.280% |
| 214 | Bexar County | $2,279 | $244,100 | 1.814% |
| 215 | Mason County | $2,305 | $274,600 | 0.815% |
| 216 | Fayette County | $2,322 | $271,100 | 1.008% |
| 217 | Washington County | $2,347 | $270,100 | 1.150% |
| 218 | Harris County | $2,350 | $255,000 | 1.718% |
| 219 | Austin County | $2,382 | $270,900 | 1.279% |
| 220 | Wise County | $2,411 | $277,200 | 1.188% |
| 221 | Bastrop County | $2,423 | $269,500 | 1.513% |
| 222 | Hood County | $2,434 | $281,300 | 1.152% |
| 223 | Kerr County | $2,450 | $285,100 | 1.093% |
| 224 | Chambers County | $2,497 | $289,900 | 1.135% |
| 225 | Wilson County | $2,509 | $286,300 | 1.301% |
| 226 | Dallas County | $2,530 | $277,900 | 1.680% |
| 227 | Brazos County | $2,535 | $279,700 | 1.637% |
| 228 | Brazoria County | $2,536 | $276,800 | 1.745% |
| 229 | Galveston County | $2,542 | $284,900 | 1.488% |
| 230 | Guadalupe County | $2,552 | $285,900 | 1.494% |
| 231 | Midland County | $2,552 | $293,000 | 1.262% |
| 232 | Waller County | $2,568 | $292,000 | 1.360% |
| 233 | Kaufman County | $2,649 | $290,800 | 1.732% |
| 234 | Burnet County | $2,655 | $310,500 | 1.126% |
| 235 | Llano County | $2,660 | $322,300 | 0.803% |
| 236 | Tarrant County | $2,686 | $294,100 | 1.772% |
| 237 | Ellis County | $2,709 | $306,400 | 1.460% |
| 238 | Montgomery County | $2,848 | $317,500 | 1.649% |
| 239 | Parker County | $3,005 | $343,600 | 1.449% |
| 240 | Fort Bend County | $3,216 | $350,300 | 1.988% |
| 241 | Blanco County | $3,294 | $396,200 | 1.043% |
| 242 | Hays County | $3,315 | $371,400 | 1.729% |
| 243 | Comal County | $3,369 | $398,800 | 1.210% |
| 244 | Rockwall County | $3,408 | $386,000 | 1.643% |
| 245 | Gillespie County | $3,563 | $432,300 | 1.019% |
| 246 | Denton County | $3,577 | $403,400 | 1.721% |
| 247 | Williamson County | $3,665 | $414,600 | 1.707% |
| 248 | Collin County | $3,920 | $447,600 | 1.660% |
| 249 | Kendall County | $4,080 | $489,800 | 1.203% |
| 250 | Travis County | $4,198 | $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 across all 3,133 US counties · Every county in Texas