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 | $28,000 | $657 | $54,100 |
| 2 | Stonewall County | $28,500 | $671 | $54,700 |
| 3 | Cochran County | $29,500 | $686 | $57,700 |
| 4 | Hudspeth County | $29,500 | $683 | $57,400 |
| 5 | Dickens County | $32,000 | $751 | $65,000 |
| 6 | Willacy County | $32,000 | $746 | $60,800 |
| 7 | Foard County | $34,000 | $791 | $71,400 |
| 8 | Knox County | $34,000 | $793 | $66,800 |
| 9 | Hardeman County | $35,500 | $830 | $76,500 |
| 10 | Lamb County | $35,500 | $831 | $76,600 |
| 11 | Edwards County | $36,000 | $835 | $78,300 |
| 12 | Dimmit County | $36,500 | $856 | $80,300 |
| 13 | Crosby County | $37,000 | $860 | $75,500 |
| 14 | Culberson County | $37,000 | $868 | $84,500 |
| 15 | Hall County | $37,000 | $860 | $80,200 |
| 16 | Motley County | $37,000 | $859 | $81,100 |
| 17 | San Augustine County | $37,000 | $858 | $83,500 |
| 18 | Briscoe County | $37,500 | $872 | $82,900 |
| 19 | Fisher County | $37,500 | $872 | $77,600 |
| 20 | Newton County | $37,500 | $870 | $83,100 |
| 21 | Brooks County | $38,000 | $883 | $82,700 |
| 22 | Garza County | $38,000 | $883 | $79,300 |
| 23 | Throckmorton County | $38,000 | $887 | $84,200 |
| 24 | Duval County | $38,500 | $898 | $86,400 |
| 25 | Zapata County | $39,000 | $913 | $88,800 |
| 26 | Donley County | $40,000 | $933 | $90,500 |
| 27 | Kinney County | $40,000 | $938 | $88,500 |
| 28 | Zavala County | $40,000 | $936 | $88,100 |
| 29 | Haskell County | $40,500 | $944 | $92,000 |
| 30 | Coleman County | $41,000 | $957 | $91,200 |
| 31 | Mitchell County | $41,000 | $956 | $85,700 |
| 32 | Starr County | $41,000 | $954 | $93,300 |
| 33 | Baylor County | $41,500 | $964 | $93,300 |
| 34 | Castro County | $41,500 | $966 | $94,900 |
| 35 | Swisher County | $41,500 | $969 | $89,200 |
| 36 | Dawson County | $42,000 | $981 | $90,800 |
| 37 | Jones County | $42,000 | $982 | $92,700 |
| 38 | Refugio County | $42,000 | $985 | $94,400 |
| 39 | Borden County | $42,500 | $989 | $105,400 |
| 40 | Floyd County | $43,000 | $1,009 | $101,000 |
| 41 | Falls County | $43,500 | $1,013 | $97,300 |
| 42 | Wheeler County | $43,500 | $1,013 | $97,600 |
| 43 | Nolan County | $44,000 | $1,024 | $98,300 |
| 44 | Wilbarger County | $44,000 | $1,025 | $98,800 |
| 45 | Gray County | $44,500 | $1,034 | $100,400 |
| 46 | Bee County | $45,000 | $1,052 | $102,800 |
| 47 | Hutchinson County | $45,000 | $1,053 | $102,200 |
| 48 | Jim Wells County | $45,000 | $1,053 | $104,800 |
| 49 | Kent County | $45,000 | $1,053 | $108,900 |
| 50 | La Salle County | $45,000 | $1,050 | $101,000 |
| 51 | Marion County | $45,000 | $1,054 | $110,500 |
| 52 | Upton County | $45,000 | $1,053 | $106,300 |
| 53 | McCulloch County | $45,500 | $1,061 | $104,400 |
| 54 | Runnels County | $45,500 | $1,063 | $103,700 |
| 55 | Bailey County | $46,000 | $1,069 | $104,400 |
| 56 | Hale County | $46,000 | $1,075 | $106,100 |
| 57 | Collingsworth County | $46,500 | $1,083 | $108,400 |
| 58 | Concho County | $46,500 | $1,084 | $105,800 |
| 59 | Morris County | $46,500 | $1,088 | $110,200 |
| 60 | Shelby County | $46,500 | $1,085 | $111,700 |
| 61 | Trinity County | $46,500 | $1,081 | $110,100 |
| 62 | Menard County | $47,000 | $1,093 | $105,300 |
| 63 | Stephens County | $47,000 | $1,098 | $105,700 |
| 64 | Coke County | $47,500 | $1,110 | $112,900 |
| 65 | Frio County | $48,000 | $1,125 | $110,100 |
| 66 | Reeves County | $48,000 | $1,115 | $113,700 |
| 67 | Terry County | $48,000 | $1,124 | $111,200 |
| 68 | Hockley County | $48,500 | $1,136 | $112,700 |
| 69 | Schleicher County | $48,500 | $1,136 | $113,400 |
| 70 | Scurry County | $48,500 | $1,131 | $110,800 |
| 71 | Childress County | $49,500 | $1,154 | $115,100 |
| 72 | Deaf Smith County | $49,500 | $1,151 | $116,000 |
| 73 | McMullen County | $49,500 | $1,151 | $108,800 |
| 74 | Winkler County | $49,500 | $1,150 | $121,200 |
| 75 | Crane County | $50,500 | $1,175 | $119,900 |
| 76 | Eastland County | $50,500 | $1,178 | $121,700 |
| 77 | Jasper County | $51,000 | $1,194 | $125,900 |
| 78 | Cameron County | $52,000 | $1,208 | $120,000 |
| 79 | Crockett County | $52,000 | $1,218 | $140,000 |
| 80 | Jim Hogg County | $52,500 | $1,231 | $125,600 |
| 81 | Presidio County | $52,500 | $1,229 | $123,100 |
| 82 | Hamilton County | $53,000 | $1,237 | $124,800 |
| 83 | Sabine County | $53,000 | $1,235 | $131,900 |
| 84 | Ward County | $53,000 | $1,241 | $138,800 |
| 85 | Cass County | $53,500 | $1,254 | $133,500 |
| 86 | Lipscomb County | $53,500 | $1,247 | $128,400 |
| 87 | Red River County | $53,500 | $1,247 | $133,800 |
| 88 | Hidalgo County | $54,000 | $1,254 | $124,000 |
| 89 | Parmer County | $54,000 | $1,260 | $127,300 |
| 90 | Karnes County | $54,500 | $1,270 | $136,900 |
| 91 | Sherman County | $55,000 | $1,286 | $125,500 |
| 92 | Tyler County | $55,000 | $1,287 | $138,400 |
| 93 | Live Oak County | $55,500 | $1,299 | $142,300 |
| 94 | Hansford County | $56,000 | $1,307 | $132,100 |
| 95 | Lynn County | $56,000 | $1,307 | $130,800 |
| 96 | Moore County | $56,500 | $1,321 | $135,400 |
| 97 | Ochiltree County | $56,500 | $1,321 | $137,200 |
| 98 | Pecos County | $56,500 | $1,322 | $142,900 |
| 99 | Potter County | $56,500 | $1,314 | $134,900 |
| 100 | Panola County | $57,000 | $1,329 | $146,000 |
| 101 | Sterling County | $57,000 | $1,329 | $143,200 |
| 102 | Callahan County | $57,500 | $1,344 | $144,800 |
| 103 | Carson County | $57,500 | $1,343 | $140,600 |
| 104 | Comanche County | $57,500 | $1,338 | $137,800 |
| 105 | Sutton County | $57,500 | $1,345 | $140,600 |
| 106 | Dallam County | $58,000 | $1,355 | $140,500 |
| 107 | Delta County | $58,500 | $1,363 | $149,400 |
| 108 | Oldham County | $58,500 | $1,368 | $144,800 |
| 109 | Terrell County | $58,500 | $1,363 | $152,200 |
| 110 | Brown County | $59,500 | $1,389 | $149,900 |
| 111 | Howard County | $59,500 | $1,385 | $150,300 |
| 112 | Irion County | $59,500 | $1,385 | $152,600 |
| 113 | Madison County | $59,500 | $1,384 | $149,100 |
| 114 | Angelina County | $60,000 | $1,401 | $149,800 |
| 115 | Houston County | $60,000 | $1,399 | $155,100 |
| 116 | Uvalde County | $60,000 | $1,397 | $144,400 |
| 117 | Wichita County | $60,000 | $1,398 | $141,600 |
| 118 | Polk County | $60,500 | $1,406 | $154,000 |
| 119 | Calhoun County | $61,000 | $1,421 | $150,000 |
| 120 | Limestone County | $61,000 | $1,428 | $154,400 |
| 121 | Nacogdoches County | $61,000 | $1,423 | $158,200 |
| 122 | Maverick County | $61,500 | $1,432 | $151,500 |
| 123 | Martin County | $62,000 | $1,447 | $162,200 |
| 124 | Val Verde County | $62,000 | $1,442 | $151,500 |
| 125 | Camp County | $62,500 | $1,454 | $159,900 |
| 126 | San Saba County | $62,500 | $1,461 | $161,800 |
| 127 | Titus County | $62,500 | $1,457 | $157,900 |
| 128 | Atascosa County | $63,000 | $1,469 | $157,400 |
| 129 | Gonzales County | $63,000 | $1,468 | $158,900 |
| 130 | Kleberg County | $63,000 | $1,465 | $152,200 |
| 131 | Cherokee County | $63,500 | $1,477 | $160,300 |
| 132 | DeWitt County | $63,500 | $1,481 | $167,200 |
| 133 | Freestone County | $63,500 | $1,484 | $164,400 |
| 134 | Bowie County | $64,000 | $1,496 | $161,300 |
| 135 | Matagorda County | $64,000 | $1,497 | $162,200 |
| 136 | Navarro County | $64,000 | $1,489 | $159,900 |
| 137 | Reagan County | $64,000 | $1,490 | $163,700 |
| 138 | Rusk County | $64,000 | $1,498 | $166,900 |
| 139 | Clay County | $64,500 | $1,504 | $161,300 |
| 140 | Hill County | $64,500 | $1,501 | $163,100 |
| 141 | Orange County | $64,500 | $1,505 | $163,400 |
| 142 | Jefferson County | $65,000 | $1,520 | $159,600 |
| 143 | Milam County | $65,000 | $1,522 | $168,900 |
| 144 | Young County | $65,000 | $1,516 | $165,300 |
| 145 | Robertson County | $65,500 | $1,530 | $172,700 |
| 146 | Anderson County | $66,000 | $1,543 | $173,400 |
| 147 | Leon County | $66,000 | $1,541 | $177,400 |
| 148 | Liberty County | $66,000 | $1,535 | $167,100 |
| 149 | Palo Pinto County | $66,000 | $1,541 | $167,300 |
| 150 | Lamar County | $66,500 | $1,556 | $175,500 |
| 151 | Burleson County | $67,000 | $1,558 | $174,000 |
| 152 | Upshur County | $67,000 | $1,563 | $171,200 |
| 153 | Jackson County | $67,500 | $1,570 | $175,500 |
| 154 | Roberts County | $67,500 | $1,573 | $176,800 |
| 155 | Harrison County | $68,000 | $1,586 | $178,200 |
| 156 | Kimble County | $68,000 | $1,582 | $173,100 |
| 157 | Jack County | $68,500 | $1,601 | $174,800 |
| 158 | Archer County | $69,000 | $1,608 | $175,300 |
| 159 | Shackelford County | $69,000 | $1,616 | $176,900 |
| 160 | Goliad County | $69,500 | $1,623 | $182,800 |
| 161 | Yoakum County | $69,500 | $1,616 | $183,000 |
| 162 | Bosque County | $70,000 | $1,632 | $184,500 |
| 163 | Coryell County | $70,000 | $1,638 | $177,400 |
| 164 | San Jacinto County | $70,500 | $1,641 | $183,100 |
| 165 | El Paso County | $71,000 | $1,653 | $167,300 |
| 166 | Montague County | $71,000 | $1,660 | $189,400 |
| 167 | Henderson County | $71,500 | $1,666 | $189,600 |
| 168 | Gregg County | $72,000 | $1,675 | $185,800 |
| 169 | Hardin County | $72,000 | $1,683 | $188,200 |
| 170 | San Patricio County | $72,000 | $1,679 | $180,400 |
| 171 | Wharton County | $72,500 | $1,694 | $182,700 |
| 172 | Armstrong County | $73,000 | $1,708 | $185,700 |
| 173 | Gaines County | $73,000 | $1,709 | $185,300 |
| 174 | Hopkins County | $73,000 | $1,708 | $193,200 |
| 175 | Tom Green County | $73,000 | $1,702 | $186,700 |
| 176 | Wood County | $73,000 | $1,699 | $195,100 |
| 177 | Andrews County | $73,500 | $1,710 | $188,200 |
| 178 | Colorado County | $73,500 | $1,717 | $194,000 |
| 179 | Ector County | $73,500 | $1,720 | $190,500 |
| 180 | Webb County | $73,500 | $1,715 | $178,900 |
| 181 | Mills County | $74,000 | $1,729 | $200,200 |
| 182 | Taylor County | $74,500 | $1,738 | $190,300 |
| 183 | Van Zandt County | $75,500 | $1,761 | $199,500 |
| 184 | Victoria County | $77,500 | $1,809 | $197,600 |
| 185 | Nueces County | $78,000 | $1,817 | $194,700 |
| 186 | Franklin County | $78,500 | $1,831 | $213,200 |
| 187 | Walker County | $78,500 | $1,826 | $207,900 |
| 188 | Lubbock County | $79,000 | $1,838 | $199,600 |
| 189 | Fannin County | $80,000 | $1,867 | $213,500 |
| 190 | Hunt County | $80,500 | $1,881 | $210,900 |
| 191 | Rains County | $80,500 | $1,876 | $214,900 |
| 192 | Hartley County | $81,000 | $1,886 | $213,200 |
| 193 | Hemphill County | $81,000 | $1,889 | $214,900 |
| 194 | Lavaca County | $81,500 | $1,896 | $220,900 |
| 195 | Brewster County | $82,000 | $1,908 | $216,000 |
| 196 | Jeff Davis County | $82,000 | $1,917 | $234,400 |
| 197 | Caldwell County | $82,500 | $1,924 | $215,600 |
| 198 | Smith County | $83,500 | $1,949 | $220,800 |
| 199 | Grimes County | $84,000 | $1,965 | $226,600 |
| 200 | Medina County | $84,000 | $1,954 | $220,000 |
| 201 | Cooke County | $85,000 | $1,978 | $224,600 |
| 202 | McLennan County | $85,000 | $1,988 | $219,200 |
| 203 | Bell County | $86,000 | $2,006 | $221,100 |
| 204 | Glasscock County | $86,000 | $2,002 | $248,600 |
| 205 | Grayson County | $86,500 | $2,016 | $228,300 |
| 206 | Aransas County | $87,000 | $2,027 | $236,800 |
| 207 | Lampasas County | $88,500 | $2,071 | $236,000 |
| 208 | Randall County | $88,500 | $2,063 | $227,500 |
| 209 | Lee County | $90,000 | $2,098 | $247,500 |
| 210 | Bandera County | $90,500 | $2,109 | $249,800 |
| 211 | Somervell County | $92,000 | $2,143 | $253,600 |
| 212 | Erath County | $92,500 | $2,164 | $251,900 |
| 213 | Johnson County | $95,000 | $2,217 | $254,600 |
| 214 | Bexar County | $96,000 | $2,245 | $244,100 |
| 215 | Mason County | $97,000 | $2,266 | $274,600 |
| 216 | Fayette County | $98,000 | $2,284 | $271,100 |
| 217 | Harris County | $99,000 | $2,313 | $255,000 |
| 218 | Washington County | $99,000 | $2,308 | $270,100 |
| 219 | Austin County | $100,500 | $2,344 | $270,900 |
| 220 | Wise County | $101,500 | $2,371 | $277,200 |
| 221 | Bastrop County | $102,000 | $2,385 | $269,500 |
| 222 | Hood County | $102,500 | $2,394 | $281,300 |
| 223 | Kerr County | $103,500 | $2,409 | $285,100 |
| 224 | Chambers County | $105,500 | $2,456 | $289,900 |
| 225 | Wilson County | $106,000 | $2,468 | $286,300 |
| 226 | Dallas County | $106,500 | $2,491 | $277,900 |
| 227 | Brazoria County | $107,000 | $2,497 | $276,800 |
| 228 | Brazos County | $107,000 | $2,495 | $279,700 |
| 229 | Galveston County | $107,000 | $2,502 | $284,900 |
| 230 | Guadalupe County | $107,500 | $2,511 | $285,900 |
| 231 | Midland County | $107,500 | $2,511 | $293,000 |
| 232 | Waller County | $108,500 | $2,527 | $292,000 |
| 233 | Burnet County | $112,000 | $2,611 | $310,500 |
| 234 | Kaufman County | $112,000 | $2,608 | $290,800 |
| 235 | Llano County | $112,000 | $2,614 | $322,300 |
| 236 | Tarrant County | $113,500 | $2,644 | $294,100 |
| 237 | Ellis County | $114,000 | $2,665 | $306,400 |
| 238 | Montgomery County | $120,000 | $2,803 | $317,500 |
| 239 | Parker County | $126,500 | $2,956 | $343,600 |
| 240 | Fort Bend County | $135,500 | $3,166 | $350,300 |
| 241 | Blanco County | $138,500 | $3,237 | $396,200 |
| 242 | Hays County | $140,000 | $3,262 | $371,400 |
| 243 | Comal County | $142,000 | $3,312 | $398,800 |
| 244 | Rockwall County | $143,500 | $3,353 | $386,000 |
| 245 | Gillespie County | $150,000 | $3,501 | $432,300 |
| 246 | Denton County | $151,000 | $3,520 | $403,400 |
| 247 | Williamson County | $154,500 | $3,606 | $414,600 |
| 248 | Collin County | $165,500 | $3,856 | $447,600 |
| 249 | Kendall County | $172,000 | $4,010 | $489,800 |
| 250 | Travis County | $177,000 | $4,128 | $487,600 |
Every figure is modelled on the county's own median home with 20% down at 6.76%. 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