Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Texas
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Texas ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Glasscock County | 34.8% | $710 | $2,037 |
| 2 | Gillespie County | 35.2% | $1,255 | $3,563 |
| 3 | Llano County | 35.3% | $940 | $2,660 |
| 4 | Blanco County | 35.8% | $1,179 | $3,294 |
| 5 | Jeff Davis County | 35.9% | $699 | $1,951 |
| 6 | Kendall County | 35.9% | $1,465 | $4,080 |
| 7 | Mason County | 36.4% | $839 | $2,305 |
| 8 | Comal County | 36.8% | $1,240 | $3,369 |
| 9 | Burnet County | 37.6% | $998 | $2,655 |
| 10 | Fayette County | 37.7% | $875 | $2,322 |
| 11 | Bandera County | 37.8% | $811 | $2,145 |
| 12 | Kerr County | 37.9% | $928 | $2,450 |
| 13 | Somervell County | 37.9% | $826 | $2,179 |
| 14 | Travis County | 38.0% | $1,595 | $4,198 |
| 15 | Chambers County | 38.0% | $950 | $2,497 |
| 16 | Lee County | 38.1% | $812 | $2,133 |
| 17 | Hood County | 38.3% | $933 | $2,434 |
| 18 | Washington County | 38.6% | $905 | $2,347 |
| 19 | Wise County | 38.6% | $931 | $2,411 |
| 20 | Aransas County | 38.6% | $796 | $2,060 |
| 21 | Midland County | 38.7% | $988 | $2,552 |
| 22 | Lavaca County | 38.8% | $748 | $1,928 |
| 23 | Franklin County | 38.8% | $723 | $1,861 |
| 24 | Erath County | 38.9% | $855 | $2,200 |
| 25 | Parker County | 39.0% | $1,171 | $3,005 |
| 26 | Collin County | 39.0% | $1,530 | $3,920 |
| 27 | Wilson County | 39.1% | $980 | $2,509 |
| 28 | Mills County | 39.2% | $688 | $1,757 |
| 29 | Austin County | 39.3% | $936 | $2,382 |
| 30 | Waller County | 39.3% | $1,010 | $2,568 |
| 31 | Grimes County | 39.4% | $787 | $1,997 |
| 32 | Leon County | 39.5% | $619 | $1,566 |
| 33 | Rockwall County | 39.5% | $1,348 | $3,408 |
| 34 | Williamson County | 39.6% | $1,452 | $3,665 |
| 35 | Crockett County | 39.6% | $490 | $1,238 |
| 36 | Ellis County | 39.6% | $1,073 | $2,709 |
| 37 | Wood County | 39.7% | $685 | $1,727 |
| 38 | Johnson County | 39.7% | $894 | $2,253 |
| 39 | Denton County | 39.8% | $1,424 | $3,577 |
| 40 | Rains County | 39.8% | $759 | $1,906 |
| 41 | Fannin County | 39.9% | $758 | $1,897 |
| 42 | Montague County | 40.0% | $675 | $1,686 |
| 43 | Lampasas County | 40.1% | $844 | $2,104 |
| 44 | Galveston County | 40.2% | $1,021 | $2,542 |
| 45 | Walker County | 40.2% | $746 | $1,855 |
| 46 | Guadalupe County | 40.2% | $1,025 | $2,552 |
| 47 | Hays County | 40.2% | $1,332 | $3,315 |
| 48 | Henderson County | 40.2% | $680 | $1,693 |
| 49 | Hemphill County | 40.2% | $772 | $1,919 |
| 50 | Cooke County | 40.3% | $811 | $2,010 |
| 51 | Smith County | 40.5% | $801 | $1,980 |
| 52 | Van Zandt County | 40.5% | $724 | $1,789 |
| 53 | Montgomery County | 40.5% | $1,153 | $2,848 |
| 54 | Grayson County | 40.5% | $829 | $2,048 |
| 55 | Yoakum County | 40.5% | $665 | $1,642 |
| 56 | Brewster County | 40.5% | $785 | $1,938 |
| 57 | Hopkins County | 40.5% | $703 | $1,735 |
| 58 | Bosque County | 40.6% | $673 | $1,658 |
| 59 | Hartley County | 40.6% | $778 | $1,916 |
| 60 | Colorado County | 40.6% | $708 | $1,744 |
| 61 | Bastrop County | 40.6% | $985 | $2,423 |
| 62 | DeWitt County | 40.7% | $612 | $1,504 |
| 63 | Robertson County | 40.7% | $632 | $1,554 |
| 64 | Lamar County | 40.7% | $644 | $1,580 |
| 65 | Goliad County | 40.8% | $673 | $1,649 |
| 66 | Medina County | 40.8% | $811 | $1,986 |
| 67 | Harrison County | 40.9% | $659 | $1,611 |
| 68 | Roberts County | 40.9% | $654 | $1,598 |
| 69 | Anderson County | 40.9% | $642 | $1,568 |
| 70 | Hunt County | 41.1% | $785 | $1,911 |
| 71 | Martin County | 41.1% | $604 | $1,470 |
| 72 | Brazos County | 41.1% | $1,042 | $2,535 |
| 73 | Caldwell County | 41.1% | $804 | $1,955 |
| 74 | Ward County | 41.2% | $519 | $1,260 |
| 75 | Hardin County | 41.2% | $705 | $1,709 |
| 76 | Jackson County | 41.3% | $658 | $1,595 |
| 77 | Terrell County | 41.3% | $571 | $1,384 |
| 78 | Burleson County | 41.3% | $654 | $1,582 |
| 79 | Dallas County | 41.4% | $1,047 | $2,530 |
| 80 | San Jacinto County | 41.4% | $690 | $1,667 |
| 81 | Kaufman County | 41.4% | $1,097 | $2,649 |
| 82 | Rusk County | 41.5% | $631 | $1,522 |
| 83 | Tarrant County | 41.5% | $1,116 | $2,686 |
| 84 | Nacogdoches County | 41.6% | $600 | $1,445 |
| 85 | Milam County | 41.6% | $644 | $1,545 |
| 86 | Gregg County | 41.7% | $709 | $1,701 |
| 87 | Houston County | 41.7% | $593 | $1,421 |
| 88 | Brazoria County | 41.7% | $1,058 | $2,536 |
| 89 | San Saba County | 41.8% | $620 | $1,483 |
| 90 | Freestone County | 41.8% | $630 | $1,508 |
| 91 | Ector County | 41.8% | $730 | $1,747 |
| 92 | Fort Bend County | 41.9% | $1,346 | $3,216 |
| 93 | McLennan County | 42.0% | $849 | $2,019 |
| 94 | Randall County | 42.0% | $881 | $2,096 |
| 95 | Bell County | 42.1% | $857 | $2,037 |
| 96 | Harris County | 42.1% | $988 | $2,350 |
| 97 | Irion County | 42.1% | $591 | $1,406 |
| 98 | Andrews County | 42.1% | $732 | $1,736 |
| 99 | Camp County | 42.2% | $623 | $1,477 |
| 100 | Panola County | 42.2% | $570 | $1,349 |
| 101 | Reagan County | 42.2% | $639 | $1,513 |
| 102 | Tom Green County | 42.3% | $731 | $1,728 |
| 103 | Delta County | 42.4% | $587 | $1,384 |
| 104 | Upshur County | 42.4% | $673 | $1,587 |
| 105 | Polk County | 42.4% | $605 | $1,427 |
| 106 | Live Oak County | 42.4% | $559 | $1,319 |
| 107 | Shackelford County | 42.4% | $696 | $1,641 |
| 108 | Taylor County | 42.4% | $749 | $1,765 |
| 109 | Kimble County | 42.5% | $682 | $1,606 |
| 110 | Jack County | 42.6% | $692 | $1,625 |
| 111 | Victoria County | 42.6% | $782 | $1,837 |
| 112 | Young County | 42.7% | $656 | $1,539 |
| 113 | Archer County | 42.7% | $697 | $1,633 |
| 114 | Liberty County | 42.7% | $666 | $1,558 |
| 115 | Bexar County | 42.8% | $976 | $2,279 |
| 116 | Armstrong County | 42.8% | $743 | $1,734 |
| 117 | Hill County | 42.9% | $654 | $1,524 |
| 118 | Lubbock County | 42.9% | $800 | $1,866 |
| 119 | Palo Pinto County | 42.9% | $671 | $1,564 |
| 120 | Cherokee County | 42.9% | $643 | $1,499 |
| 121 | Orange County | 42.9% | $656 | $1,528 |
| 122 | Howard County | 42.9% | $604 | $1,406 |
| 123 | Gaines County | 43.0% | $746 | $1,735 |
| 124 | Titus County | 43.0% | $636 | $1,479 |
| 125 | Matagorda County | 43.0% | $654 | $1,520 |
| 126 | Coryell County | 43.1% | $716 | $1,663 |
| 127 | Gonzales County | 43.1% | $642 | $1,490 |
| 128 | Pecos County | 43.1% | $579 | $1,342 |
| 129 | Limestone County | 43.1% | $626 | $1,450 |
| 130 | Brown County | 43.3% | $610 | $1,410 |
| 131 | Wharton County | 43.3% | $744 | $1,720 |
| 132 | Bowie County | 43.3% | $657 | $1,519 |
| 133 | Sterling County | 43.3% | $584 | $1,349 |
| 134 | Callahan County | 43.3% | $591 | $1,364 |
| 135 | Madison County | 43.3% | $608 | $1,404 |
| 136 | Karnes County | 43.3% | $559 | $1,290 |
| 137 | Tyler County | 43.5% | $568 | $1,307 |
| 138 | San Patricio County | 43.5% | $741 | $1,704 |
| 139 | Navarro County | 43.5% | $658 | $1,511 |
| 140 | Red River County | 43.6% | $552 | $1,266 |
| 141 | Clay County | 43.6% | $666 | $1,527 |
| 142 | Atascosa County | 43.6% | $651 | $1,491 |
| 143 | Nueces County | 43.7% | $805 | $1,845 |
| 144 | Angelina County | 43.8% | $622 | $1,422 |
| 145 | Sabine County | 43.8% | $549 | $1,253 |
| 146 | Borden County | 43.9% | $441 | $1,003 |
| 147 | Cass County | 44.0% | $560 | $1,273 |
| 148 | Oldham County | 44.3% | $615 | $1,388 |
| 149 | Maverick County | 44.3% | $645 | $1,453 |
| 150 | Calhoun County | 44.5% | $641 | $1,442 |
| 151 | Jasper County | 44.5% | $539 | $1,211 |
| 152 | Winkler County | 44.5% | $519 | $1,166 |
| 153 | Val Verde County | 44.7% | $655 | $1,463 |
| 154 | Jefferson County | 44.8% | $690 | $1,542 |
| 155 | Marion County | 44.8% | $480 | $1,070 |
| 156 | Carson County | 44.9% | $612 | $1,362 |
| 157 | Sutton County | 45.0% | $614 | $1,364 |
| 158 | Webb County | 45.1% | $785 | $1,741 |
| 159 | Ochiltree County | 45.3% | $607 | $1,340 |
| 160 | Kleberg County | 45.4% | $674 | $1,487 |
| 161 | Dallam County | 45.4% | $624 | $1,374 |
| 162 | Kent County | 45.6% | $487 | $1,069 |
| 163 | Uvalde County | 45.6% | $646 | $1,417 |
| 164 | Eastland County | 45.6% | $545 | $1,195 |
| 165 | Comanche County | 45.8% | $622 | $1,357 |
| 166 | Shelby County | 45.8% | $504 | $1,101 |
| 167 | Lipscomb County | 45.8% | $580 | $1,265 |
| 168 | Potter County | 46.0% | $613 | $1,333 |
| 169 | Moore County | 46.0% | $617 | $1,339 |
| 170 | Jim Hogg County | 46.3% | $578 | $1,248 |
| 171 | Crane County | 46.3% | $552 | $1,192 |
| 172 | Reeves County | 46.3% | $524 | $1,131 |
| 173 | Trinity County | 46.4% | $508 | $1,096 |
| 174 | Coke County | 46.4% | $523 | $1,125 |
| 175 | Morris County | 46.7% | $515 | $1,103 |
| 176 | Wichita County | 46.7% | $662 | $1,418 |
| 177 | El Paso County | 46.7% | $783 | $1,676 |
| 178 | Hansford County | 46.8% | $620 | $1,325 |
| 179 | Parmer County | 46.8% | $598 | $1,278 |
| 180 | Upton County | 46.9% | $501 | $1,068 |
| 181 | Hamilton County | 46.9% | $588 | $1,255 |
| 182 | Deaf Smith County | 46.9% | $548 | $1,167 |
| 183 | Presidio County | 47.2% | $588 | $1,246 |
| 184 | Collingsworth County | 47.3% | $519 | $1,098 |
| 185 | Lynn County | 47.3% | $627 | $1,325 |
| 186 | Floyd County | 47.3% | $484 | $1,023 |
| 187 | Schleicher County | 47.4% | $547 | $1,152 |
| 188 | Childress County | 47.5% | $555 | $1,170 |
| 189 | Jim Wells County | 47.6% | $508 | $1,067 |
| 190 | Cameron County | 47.7% | $584 | $1,224 |
| 191 | Hockley County | 47.7% | $550 | $1,151 |
| 192 | Terry County | 47.9% | $545 | $1,139 |
| 193 | Hidalgo County | 47.9% | $610 | $1,272 |
| 194 | Hale County | 48.0% | $523 | $1,090 |
| 195 | McCulloch County | 48.2% | $518 | $1,075 |
| 196 | Castro County | 48.3% | $473 | $979 |
| 197 | Scurry County | 48.4% | $554 | $1,146 |
| 198 | Frio County | 48.5% | $553 | $1,140 |
| 199 | Starr County | 48.5% | $469 | $967 |
| 200 | Bee County | 48.5% | $517 | $1,066 |
| 201 | Bailey County | 48.5% | $526 | $1,083 |
| 202 | Concho County | 48.6% | $534 | $1,098 |
| 203 | Runnels County | 48.6% | $524 | $1,077 |
| 204 | Sherman County | 48.6% | $634 | $1,304 |
| 205 | Haskell County | 48.6% | $465 | $956 |
| 206 | San Augustine County | 48.7% | $424 | $869 |
| 207 | Culberson County | 48.7% | $429 | $880 |
| 208 | Zapata County | 48.7% | $451 | $925 |
| 209 | Gray County | 48.8% | $512 | $1,048 |
| 210 | Hutchinson County | 48.8% | $521 | $1,067 |
| 211 | Donley County | 48.9% | $462 | $945 |
| 212 | Baylor County | 49.0% | $478 | $977 |
| 213 | Wilbarger County | 49.2% | $511 | $1,039 |
| 214 | Menard County | 49.2% | $545 | $1,107 |
| 215 | Wheeler County | 49.2% | $506 | $1,027 |
| 216 | Stephens County | 49.3% | $548 | $1,113 |
| 217 | La Salle County | 49.3% | $524 | $1,064 |
| 218 | Duval County | 49.3% | $449 | $910 |
| 219 | Falls County | 49.4% | $507 | $1,026 |
| 220 | Nolan County | 49.4% | $513 | $1,038 |
| 221 | Refugio County | 49.5% | $494 | $998 |
| 222 | Newton County | 49.7% | $438 | $881 |
| 223 | Coleman County | 49.8% | $482 | $969 |
| 224 | Briscoe County | 49.9% | $441 | $883 |
| 225 | Throckmorton County | 50.0% | $449 | $898 |
| 226 | McMullen County | 50.2% | $585 | $1,166 |
| 227 | Jones County | 50.2% | $499 | $994 |
| 228 | Motley County | 50.3% | $437 | $870 |
| 229 | Kinney County | 50.3% | $478 | $951 |
| 230 | Zavala County | 50.4% | $478 | $949 |
| 231 | Dimmit County | 50.6% | $439 | $867 |
| 232 | Edwards County | 50.6% | $428 | $846 |
| 233 | Brooks County | 50.6% | $453 | $894 |
| 234 | Hall County | 50.8% | $443 | $871 |
| 235 | Dawson County | 51.2% | $508 | $993 |
| 236 | Hardeman County | 51.4% | $432 | $840 |
| 237 | Lamb County | 51.4% | $433 | $842 |
| 238 | Swisher County | 51.5% | $505 | $981 |
| 239 | Foard County | 52.4% | $419 | $800 |
| 240 | Garza County | 52.6% | $470 | $894 |
| 241 | Mitchell County | 52.7% | $510 | $968 |
| 242 | Fisher County | 53.1% | $468 | $883 |
| 243 | Crosby County | 53.7% | $467 | $870 |
| 244 | Dickens County | 54.4% | $413 | $760 |
| 245 | Knox County | 55.5% | $446 | $802 |
| 246 | Cochran County | 55.6% | $385 | $693 |
| 247 | Hudspeth County | 55.6% | $384 | $691 |
| 248 | Cottle County | 56.5% | $375 | $664 |
| 249 | Stonewall County | 56.9% | $386 | $678 |
| 250 | Willacy County | 57.0% | $430 | $755 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Texas