Ranked from ACS 2023 5-Year
Lowest Salary Needed to Buy a Home in Texas
The counties where an ordinary income still buys the median home outright by the 28% rule, with the whole monthly bill counted: tax, insurance, utilities and maintenance included, not just the loan payment.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Texas ranked
| # | County | Income needed | Monthly to own | Median home |
|---|---|---|---|---|
| 1 | Cottle County | $28,500 | $670 | $54,100 |
| 2 | Stonewall County | $29,500 | $684 | $54,700 |
| 3 | Cochran County | $30,000 | $700 | $57,700 |
| 4 | Hudspeth County | $30,000 | $698 | $57,400 |
| 5 | Willacy County | $32,500 | $762 | $60,800 |
| 6 | Dickens County | $33,000 | $768 | $65,000 |
| 7 | Foard County | $34,500 | $809 | $71,400 |
| 8 | Knox County | $34,500 | $810 | $66,800 |
| 9 | Edwards County | $36,500 | $855 | $78,300 |
| 10 | Hardeman County | $36,500 | $849 | $76,500 |
| 11 | Lamb County | $36,500 | $851 | $76,600 |
| 12 | Crosby County | $37,500 | $879 | $75,500 |
| 13 | Dimmit County | $37,500 | $877 | $80,300 |
| 14 | Hall County | $37,500 | $881 | $80,200 |
| 15 | Motley County | $37,500 | $880 | $81,100 |
| 16 | San Augustine County | $37,500 | $879 | $83,500 |
| 17 | Culberson County | $38,000 | $890 | $84,500 |
| 18 | Fisher County | $38,000 | $892 | $77,600 |
| 19 | Newton County | $38,000 | $891 | $83,100 |
| 20 | Briscoe County | $38,500 | $893 | $82,900 |
| 21 | Brooks County | $38,500 | $904 | $82,700 |
| 22 | Garza County | $38,500 | $903 | $79,300 |
| 23 | Throckmorton County | $39,000 | $908 | $84,200 |
| 24 | Duval County | $39,500 | $920 | $86,400 |
| 25 | Zapata County | $40,000 | $935 | $88,800 |
| 26 | Donley County | $41,000 | $956 | $90,500 |
| 27 | Kinney County | $41,000 | $961 | $88,500 |
| 28 | Zavala County | $41,000 | $959 | $88,100 |
| 29 | Haskell County | $41,500 | $967 | $92,000 |
| 30 | Coleman County | $42,000 | $980 | $91,200 |
| 31 | Mitchell County | $42,000 | $978 | $85,700 |
| 32 | Starr County | $42,000 | $978 | $93,300 |
| 33 | Baylor County | $42,500 | $987 | $93,300 |
| 34 | Castro County | $42,500 | $991 | $94,900 |
| 35 | Swisher County | $42,500 | $992 | $89,200 |
| 36 | Dawson County | $43,000 | $1,004 | $90,800 |
| 37 | Jones County | $43,000 | $1,005 | $92,700 |
| 38 | Refugio County | $43,000 | $1,009 | $94,400 |
| 39 | Borden County | $43,500 | $1,016 | $105,400 |
| 40 | Falls County | $44,500 | $1,037 | $97,300 |
| 41 | Floyd County | $44,500 | $1,035 | $101,000 |
| 42 | Wheeler County | $44,500 | $1,038 | $97,600 |
| 43 | Nolan County | $45,000 | $1,049 | $98,300 |
| 44 | Wilbarger County | $45,000 | $1,050 | $98,800 |
| 45 | Gray County | $45,500 | $1,059 | $100,400 |
| 46 | Bee County | $46,000 | $1,078 | $102,800 |
| 47 | Hutchinson County | $46,000 | $1,079 | $102,200 |
| 48 | La Salle County | $46,000 | $1,075 | $101,000 |
| 49 | Jim Wells County | $46,500 | $1,080 | $104,800 |
| 50 | Kent County | $46,500 | $1,081 | $108,900 |
| 51 | McCulloch County | $46,500 | $1,087 | $104,400 |
| 52 | Marion County | $46,500 | $1,082 | $110,500 |
| 53 | Runnels County | $46,500 | $1,089 | $103,700 |
| 54 | Upton County | $46,500 | $1,081 | $106,300 |
| 55 | Bailey County | $47,000 | $1,095 | $104,400 |
| 56 | Hale County | $47,000 | $1,102 | $106,100 |
| 57 | Collingsworth County | $47,500 | $1,110 | $108,400 |
| 58 | Concho County | $47,500 | $1,111 | $105,800 |
| 59 | Shelby County | $47,500 | $1,114 | $111,700 |
| 60 | Trinity County | $47,500 | $1,109 | $110,100 |
| 61 | Menard County | $48,000 | $1,119 | $105,300 |
| 62 | Morris County | $48,000 | $1,116 | $110,200 |
| 63 | Stephens County | $48,000 | $1,125 | $105,700 |
| 64 | Coke County | $49,000 | $1,138 | $112,900 |
| 65 | Reeves County | $49,000 | $1,144 | $113,700 |
| 66 | Frio County | $49,500 | $1,153 | $110,100 |
| 67 | Scurry County | $49,500 | $1,159 | $110,800 |
| 68 | Terry County | $49,500 | $1,152 | $111,200 |
| 69 | Hockley County | $50,000 | $1,164 | $112,700 |
| 70 | Schleicher County | $50,000 | $1,165 | $113,400 |
| 71 | Childress County | $50,500 | $1,183 | $115,100 |
| 72 | Deaf Smith County | $50,500 | $1,181 | $116,000 |
| 73 | McMullen County | $50,500 | $1,179 | $108,800 |
| 74 | Winkler County | $50,500 | $1,181 | $121,200 |
| 75 | Crane County | $51,500 | $1,206 | $119,900 |
| 76 | Eastland County | $52,000 | $1,209 | $121,700 |
| 77 | Jasper County | $52,500 | $1,226 | $125,900 |
| 78 | Cameron County | $53,000 | $1,238 | $120,000 |
| 79 | Crockett County | $53,500 | $1,254 | $140,000 |
| 80 | Jim Hogg County | $54,000 | $1,263 | $125,600 |
| 81 | Presidio County | $54,000 | $1,260 | $123,100 |
| 82 | Hamilton County | $54,500 | $1,269 | $124,800 |
| 83 | Sabine County | $54,500 | $1,268 | $131,900 |
| 84 | Ward County | $54,500 | $1,276 | $138,800 |
| 85 | Cass County | $55,000 | $1,288 | $133,500 |
| 86 | Hidalgo County | $55,000 | $1,286 | $124,000 |
| 87 | Lipscomb County | $55,000 | $1,280 | $128,400 |
| 88 | Red River County | $55,000 | $1,282 | $133,800 |
| 89 | Parmer County | $55,500 | $1,293 | $127,300 |
| 90 | Karnes County | $56,000 | $1,305 | $136,900 |
| 91 | Sherman County | $56,500 | $1,318 | $125,500 |
| 92 | Tyler County | $56,500 | $1,323 | $138,400 |
| 93 | Live Oak County | $57,000 | $1,336 | $142,300 |
| 94 | Hansford County | $57,500 | $1,340 | $132,100 |
| 95 | Lynn County | $57,500 | $1,340 | $130,800 |
| 96 | Moore County | $58,000 | $1,355 | $135,400 |
| 97 | Ochiltree County | $58,000 | $1,356 | $137,200 |
| 98 | Pecos County | $58,000 | $1,358 | $142,900 |
| 99 | Potter County | $58,000 | $1,348 | $134,900 |
| 100 | Panola County | $58,500 | $1,366 | $146,000 |
| 101 | Sterling County | $58,500 | $1,365 | $143,200 |
| 102 | Callahan County | $59,000 | $1,381 | $144,800 |
| 103 | Carson County | $59,000 | $1,379 | $140,600 |
| 104 | Comanche County | $59,000 | $1,373 | $137,800 |
| 105 | Sutton County | $59,000 | $1,381 | $140,600 |
| 106 | Dallam County | $59,500 | $1,391 | $140,500 |
| 107 | Delta County | $60,000 | $1,402 | $149,400 |
| 108 | Oldham County | $60,000 | $1,405 | $144,800 |
| 109 | Terrell County | $60,000 | $1,402 | $152,200 |
| 110 | Brown County | $61,000 | $1,428 | $149,900 |
| 111 | Howard County | $61,000 | $1,423 | $150,300 |
| 112 | Irion County | $61,000 | $1,424 | $152,600 |
| 113 | Madison County | $61,000 | $1,422 | $149,100 |
| 114 | Angelina County | $61,500 | $1,439 | $149,800 |
| 115 | Houston County | $61,500 | $1,439 | $155,100 |
| 116 | Uvalde County | $61,500 | $1,434 | $144,400 |
| 117 | Wichita County | $61,500 | $1,434 | $141,600 |
| 118 | Polk County | $62,000 | $1,445 | $154,000 |
| 119 | Calhoun County | $62,500 | $1,459 | $150,000 |
| 120 | Nacogdoches County | $62,500 | $1,463 | $158,200 |
| 121 | Limestone County | $63,000 | $1,468 | $154,400 |
| 122 | Maverick County | $63,000 | $1,471 | $151,500 |
| 123 | Val Verde County | $63,500 | $1,481 | $151,500 |
| 124 | Camp County | $64,000 | $1,495 | $159,900 |
| 125 | Martin County | $64,000 | $1,489 | $162,200 |
| 126 | Titus County | $64,000 | $1,497 | $157,900 |
| 127 | Atascosa County | $64,500 | $1,509 | $157,400 |
| 128 | Gonzales County | $64,500 | $1,509 | $158,900 |
| 129 | Kleberg County | $64,500 | $1,504 | $152,200 |
| 130 | San Saba County | $64,500 | $1,502 | $161,800 |
| 131 | Cherokee County | $65,000 | $1,518 | $160,300 |
| 132 | DeWitt County | $65,500 | $1,524 | $167,200 |
| 133 | Freestone County | $65,500 | $1,527 | $164,400 |
| 134 | Navarro County | $65,500 | $1,530 | $159,900 |
| 135 | Reagan County | $65,500 | $1,532 | $163,700 |
| 136 | Bowie County | $66,000 | $1,537 | $161,300 |
| 137 | Clay County | $66,000 | $1,546 | $161,300 |
| 138 | Hill County | $66,000 | $1,543 | $163,100 |
| 139 | Matagorda County | $66,000 | $1,539 | $162,200 |
| 140 | Rusk County | $66,000 | $1,541 | $166,900 |
| 141 | Orange County | $66,500 | $1,547 | $163,400 |
| 142 | Jefferson County | $67,000 | $1,561 | $159,600 |
| 143 | Milam County | $67,000 | $1,565 | $168,900 |
| 144 | Young County | $67,000 | $1,558 | $165,300 |
| 145 | Liberty County | $67,500 | $1,577 | $167,100 |
| 146 | Robertson County | $67,500 | $1,574 | $172,700 |
| 147 | Anderson County | $68,000 | $1,588 | $173,400 |
| 148 | Leon County | $68,000 | $1,586 | $177,400 |
| 149 | Palo Pinto County | $68,000 | $1,583 | $167,300 |
| 150 | Burleson County | $68,500 | $1,603 | $174,000 |
| 151 | Lamar County | $68,500 | $1,601 | $175,500 |
| 152 | Jackson County | $69,000 | $1,615 | $175,500 |
| 153 | Upshur County | $69,000 | $1,607 | $171,200 |
| 154 | Kimble County | $69,500 | $1,626 | $173,100 |
| 155 | Roberts County | $69,500 | $1,619 | $176,800 |
| 156 | Harrison County | $70,000 | $1,631 | $178,200 |
| 157 | Jack County | $70,500 | $1,645 | $174,800 |
| 158 | Archer County | $71,000 | $1,653 | $175,300 |
| 159 | Shackelford County | $71,000 | $1,661 | $176,900 |
| 160 | Goliad County | $71,500 | $1,670 | $182,800 |
| 161 | Yoakum County | $71,500 | $1,663 | $183,000 |
| 162 | Bosque County | $72,000 | $1,679 | $184,500 |
| 163 | Coryell County | $72,000 | $1,684 | $177,400 |
| 164 | El Paso County | $72,500 | $1,695 | $167,300 |
| 165 | San Jacinto County | $72,500 | $1,688 | $183,100 |
| 166 | Montague County | $73,000 | $1,708 | $189,400 |
| 167 | Henderson County | $73,500 | $1,714 | $189,600 |
| 168 | Gregg County | $74,000 | $1,722 | $185,800 |
| 169 | Hardin County | $74,000 | $1,731 | $188,200 |
| 170 | San Patricio County | $74,000 | $1,725 | $180,400 |
| 171 | Wharton County | $74,500 | $1,741 | $182,700 |
| 172 | Armstrong County | $75,000 | $1,756 | $185,700 |
| 173 | Tom Green County | $75,000 | $1,750 | $186,700 |
| 174 | Wood County | $75,000 | $1,749 | $195,100 |
| 175 | Andrews County | $75,500 | $1,758 | $188,200 |
| 176 | Colorado County | $75,500 | $1,766 | $194,000 |
| 177 | Gaines County | $75,500 | $1,756 | $185,300 |
| 178 | Hopkins County | $75,500 | $1,757 | $193,200 |
| 179 | Webb County | $75,500 | $1,761 | $178,900 |
| 180 | Ector County | $76,000 | $1,769 | $190,500 |
| 181 | Mills County | $76,500 | $1,780 | $200,200 |
| 182 | Taylor County | $76,500 | $1,787 | $190,300 |
| 183 | Van Zandt County | $77,500 | $1,812 | $199,500 |
| 184 | Victoria County | $79,500 | $1,860 | $197,600 |
| 185 | Nueces County | $80,000 | $1,867 | $194,700 |
| 186 | Walker County | $80,500 | $1,879 | $207,900 |
| 187 | Franklin County | $81,000 | $1,886 | $213,200 |
| 188 | Lubbock County | $81,000 | $1,889 | $199,600 |
| 189 | Fannin County | $82,500 | $1,922 | $213,500 |
| 190 | Hartley County | $83,000 | $1,940 | $213,200 |
| 191 | Hunt County | $83,000 | $1,935 | $210,900 |
| 192 | Rains County | $83,000 | $1,931 | $214,900 |
| 193 | Hemphill County | $83,500 | $1,944 | $214,900 |
| 194 | Lavaca County | $83,500 | $1,953 | $220,900 |
| 195 | Brewster County | $84,000 | $1,963 | $216,000 |
| 196 | Caldwell County | $85,000 | $1,979 | $215,600 |
| 197 | Jeff Davis County | $85,000 | $1,978 | $234,400 |
| 198 | Medina County | $86,000 | $2,011 | $220,000 |
| 199 | Smith County | $86,000 | $2,005 | $220,800 |
| 200 | Grimes County | $86,500 | $2,023 | $226,600 |
| 201 | Cooke County | $87,000 | $2,036 | $224,600 |
| 202 | McLennan County | $87,500 | $2,044 | $219,200 |
| 203 | Bell County | $88,500 | $2,062 | $221,100 |
| 204 | Glasscock County | $88,500 | $2,066 | $248,600 |
| 205 | Grayson County | $89,000 | $2,074 | $228,300 |
| 206 | Aransas County | $89,500 | $2,088 | $236,800 |
| 207 | Randall County | $91,000 | $2,122 | $227,500 |
| 208 | Lampasas County | $91,500 | $2,131 | $236,000 |
| 209 | Lee County | $92,500 | $2,162 | $247,500 |
| 210 | Bandera County | $93,000 | $2,173 | $249,800 |
| 211 | Somervell County | $94,500 | $2,208 | $253,600 |
| 212 | Erath County | $95,500 | $2,229 | $251,900 |
| 213 | Johnson County | $98,000 | $2,283 | $254,600 |
| 214 | Bexar County | $99,000 | $2,307 | $244,100 |
| 215 | Mason County | $100,000 | $2,337 | $274,600 |
| 216 | Fayette County | $101,000 | $2,353 | $271,100 |
| 217 | Harris County | $102,000 | $2,379 | $255,000 |
| 218 | Washington County | $102,000 | $2,378 | $270,100 |
| 219 | Austin County | $103,500 | $2,413 | $270,900 |
| 220 | Wise County | $104,500 | $2,443 | $277,200 |
| 221 | Bastrop County | $105,000 | $2,454 | $269,500 |
| 222 | Hood County | $105,500 | $2,467 | $281,300 |
| 223 | Kerr County | $106,500 | $2,483 | $285,100 |
| 224 | Chambers County | $108,500 | $2,531 | $289,900 |
| 225 | Wilson County | $109,000 | $2,542 | $286,300 |
| 226 | Brazoria County | $110,000 | $2,568 | $276,800 |
| 227 | Brazos County | $110,000 | $2,567 | $279,700 |
| 228 | Dallas County | $110,000 | $2,562 | $277,900 |
| 229 | Galveston County | $110,500 | $2,575 | $284,900 |
| 230 | Guadalupe County | $111,000 | $2,584 | $285,900 |
| 231 | Midland County | $111,000 | $2,586 | $293,000 |
| 232 | Waller County | $111,500 | $2,602 | $292,000 |
| 233 | Kaufman County | $115,000 | $2,682 | $290,800 |
| 234 | Burnet County | $115,500 | $2,691 | $310,500 |
| 235 | Llano County | $115,500 | $2,697 | $322,300 |
| 236 | Tarrant County | $116,500 | $2,720 | $294,100 |
| 237 | Ellis County | $117,500 | $2,744 | $306,400 |
| 238 | Montgomery County | $123,500 | $2,884 | $317,500 |
| 239 | Parker County | $130,500 | $3,044 | $343,600 |
| 240 | Fort Bend County | $139,500 | $3,256 | $350,300 |
| 241 | Blanco County | $143,000 | $3,339 | $396,200 |
| 242 | Hays County | $144,000 | $3,358 | $371,400 |
| 243 | Comal County | $146,500 | $3,415 | $398,800 |
| 244 | Rockwall County | $148,000 | $3,452 | $386,000 |
| 245 | Gillespie County | $155,000 | $3,613 | $432,300 |
| 246 | Denton County | $155,500 | $3,623 | $403,400 |
| 247 | Williamson County | $159,000 | $3,712 | $414,600 |
| 248 | Collin County | $170,000 | $3,971 | $447,600 |
| 249 | Kendall County | $177,500 | $4,136 | $489,800 |
| 250 | Travis County | $182,500 | $4,253 | $487,600 |
Every figure is modelled on the county's own median home with 20% down at 7.24%. 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 Salary Needed to Buy a Home across all 3,133 US counties · Every county in Texas