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.
Texas ranked
| # | County | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Cottle County | $627 | $54,100 | 1.152% |
| 2 | Stonewall County | $641 | $54,700 | 1.360% |
| 3 | Hudspeth County | $653 | $57,400 | 1.179% |
| 4 | Cochran County | $656 | $57,700 | 1.185% |
| 5 | Willacy County | $716 | $60,800 | 1.914% |
| 6 | Dickens County | $721 | $65,000 | 1.366% |
| 7 | Foard County | $760 | $71,400 | 1.182% |
| 8 | Knox County | $763 | $66,800 | 1.862% |
| 9 | Hardeman County | $799 | $76,500 | 1.183% |
| 10 | Lamb County | $800 | $76,600 | 1.192% |
| 11 | Edwards County | $804 | $78,300 | 1.051% |
| 12 | Dimmit County | $825 | $80,300 | 1.142% |
| 13 | San Augustine County | $827 | $83,500 | 0.816% |
| 14 | Motley County | $828 | $81,100 | 1.097% |
| 15 | Crosby County | $829 | $75,500 | 1.781% |
| 16 | Hall County | $829 | $80,200 | 1.212% |
| 17 | Culberson County | $837 | $84,500 | 0.859% |
| 18 | Newton County | $839 | $83,100 | 1.030% |
| 19 | Briscoe County | $841 | $82,900 | 1.084% |
| 20 | Fisher County | $841 | $77,600 | 1.705% |
| 21 | Brooks County | $851 | $82,700 | 1.260% |
| 22 | Garza County | $852 | $79,300 | 1.660% |
| 23 | Throckmorton County | $855 | $84,200 | 1.151% |
| 24 | Duval County | $867 | $86,400 | 1.078% |
| 25 | Zapata County | $881 | $88,800 | 1.027% |
Every figure is modelled on the county's own median home with 20% down at 6.66%. 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