Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home Outright in Texas
The counties where a paid-off house still costs the most to keep. For retirees on a fixed income this figure matters more than the purchase price, because it never goes away and it rises with assessments.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Texas ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Travis County | $1,595 | $487,600 | 1.535% |
| 2 | Collin County | $1,530 | $447,600 | 1.660% |
| 3 | Kendall County | $1,465 | $489,800 | 1.203% |
| 4 | Williamson County | $1,452 | $414,600 | 1.707% |
| 5 | Denton County | $1,424 | $403,400 | 1.721% |
| 6 | Rockwall County | $1,348 | $386,000 | 1.643% |
| 7 | Fort Bend County | $1,346 | $350,300 | 1.988% |
| 8 | Hays County | $1,332 | $371,400 | 1.729% |
| 9 | Gillespie County | $1,255 | $432,300 | 1.019% |
| 10 | Comal County | $1,240 | $398,800 | 1.210% |
| 11 | Blanco County | $1,179 | $396,200 | 1.043% |
| 12 | Parker County | $1,171 | $343,600 | 1.449% |
| 13 | Montgomery County | $1,153 | $317,500 | 1.649% |
| 14 | Tarrant County | $1,116 | $294,100 | 1.772% |
| 15 | Kaufman County | $1,097 | $290,800 | 1.732% |
| 16 | Ellis County | $1,073 | $306,400 | 1.460% |
| 17 | Brazoria County | $1,058 | $276,800 | 1.745% |
| 18 | Dallas County | $1,047 | $277,900 | 1.680% |
| 19 | Brazos County | $1,042 | $279,700 | 1.637% |
| 20 | Guadalupe County | $1,025 | $285,900 | 1.494% |
| 21 | Galveston County | $1,021 | $284,900 | 1.488% |
| 22 | Waller County | $1,010 | $292,000 | 1.360% |
| 23 | Burnet County | $998 | $310,500 | 1.126% |
| 24 | Harris County | $988 | $255,000 | 1.718% |
| 25 | Midland County | $988 | $293,000 | 1.262% |
| 26 | Bastrop County | $985 | $269,500 | 1.513% |
| 27 | Wilson County | $980 | $286,300 | 1.301% |
| 28 | Bexar County | $976 | $244,100 | 1.814% |
| 29 | Chambers County | $950 | $289,900 | 1.135% |
| 30 | Llano County | $940 | $322,300 | 0.803% |
| 31 | Austin County | $936 | $270,900 | 1.279% |
| 32 | Hood County | $933 | $281,300 | 1.152% |
| 33 | Wise County | $931 | $277,200 | 1.188% |
| 34 | Kerr County | $928 | $285,100 | 1.093% |
| 35 | Washington County | $905 | $270,100 | 1.150% |
| 36 | Johnson County | $894 | $254,600 | 1.280% |
| 37 | Randall County | $881 | $227,500 | 1.577% |
| 38 | Fayette County | $875 | $271,100 | 1.008% |
| 39 | Bell County | $857 | $221,100 | 1.542% |
| 40 | Erath County | $855 | $251,900 | 1.126% |
| 41 | McLennan County | $849 | $219,200 | 1.527% |
| 42 | Lampasas County | $844 | $236,000 | 1.268% |
| 43 | Mason County | $839 | $274,600 | 0.815% |
| 44 | Grayson County | $829 | $228,300 | 1.293% |
| 45 | Somervell County | $826 | $253,600 | 0.967% |
| 46 | Lee County | $812 | $247,500 | 0.969% |
| 47 | Bandera County | $811 | $249,800 | 0.940% |
| 48 | Medina County | $811 | $220,000 | 1.310% |
| 49 | Cooke County | $811 | $224,600 | 1.244% |
| 50 | Nueces County | $805 | $194,700 | 1.678% |
| 51 | Caldwell County | $804 | $215,600 | 1.332% |
| 52 | Smith County | $801 | $220,800 | 1.245% |
| 53 | Lubbock County | $800 | $199,600 | 1.563% |
| 54 | Aransas County | $796 | $236,800 | 1.014% |
| 55 | Grimes County | $787 | $226,600 | 1.094% |
| 56 | Webb County | $785 | $178,900 | 1.851% |
| 57 | Hunt County | $785 | $210,900 | 1.297% |
| 58 | Brewster County | $785 | $216,000 | 1.224% |
| 59 | El Paso County | $783 | $167,300 | 2.086% |
| 60 | Victoria County | $782 | $197,600 | 1.488% |
| 61 | Hartley County | $778 | $213,200 | 1.221% |
| 62 | Hemphill County | $772 | $214,900 | 1.164% |
| 63 | Rains County | $759 | $214,900 | 1.094% |
| 64 | Fannin County | $758 | $213,500 | 1.104% |
| 65 | Taylor County | $749 | $190,300 | 1.403% |
| 66 | Lavaca County | $748 | $220,900 | 0.957% |
| 67 | Gaines County | $746 | $185,300 | 1.468% |
| 68 | Walker County | $746 | $207,900 | 1.112% |
| 69 | Wharton County | $744 | $182,700 | 1.505% |
| 70 | Armstrong County | $743 | $185,700 | 1.443% |
| 71 | San Patricio County | $741 | $180,400 | 1.527% |
| 72 | Andrews County | $732 | $188,200 | 1.328% |
| 73 | Tom Green County | $731 | $186,700 | 1.351% |
| 74 | Ector County | $730 | $190,500 | 1.280% |
| 75 | Van Zandt County | $724 | $199,500 | 1.105% |
| 76 | Franklin County | $723 | $213,200 | 0.912% |
| 77 | Coryell County | $716 | $177,400 | 1.414% |
| 78 | Glasscock County | $710 | $248,600 | 0.464% |
| 79 | Gregg County | $709 | $185,800 | 1.222% |
| 80 | Colorado County | $708 | $194,000 | 1.091% |
| 81 | Hardin County | $705 | $188,200 | 1.155% |
| 82 | Hopkins County | $703 | $193,200 | 1.072% |
| 83 | Jeff Davis County | $699 | $234,400 | 0.547% |
| 84 | Archer County | $697 | $175,300 | 1.322% |
| 85 | Shackelford County | $696 | $176,900 | 1.287% |
| 86 | Jack County | $692 | $174,800 | 1.296% |
| 87 | Jefferson County | $690 | $159,600 | 1.575% |
| 88 | San Jacinto County | $690 | $183,100 | 1.139% |
| 89 | Mills County | $688 | $200,200 | 0.880% |
| 90 | Wood County | $685 | $195,100 | 0.932% |
| 91 | Kimble County | $682 | $173,100 | 1.255% |
| 92 | Henderson County | $680 | $189,600 | 0.980% |
| 93 | Montague County | $675 | $189,400 | 0.951% |
| 94 | Kleberg County | $674 | $152,200 | 1.614% |
| 95 | Goliad County | $673 | $182,800 | 1.035% |
| 96 | Upshur County | $673 | $171,200 | 1.226% |
| 97 | Bosque County | $673 | $184,500 | 1.008% |
| 98 | Palo Pinto County | $671 | $167,300 | 1.283% |
| 99 | Liberty County | $666 | $167,100 | 1.251% |
| 100 | Clay County | $666 | $161,300 | 1.360% |
| 101 | Yoakum County | $665 | $183,000 | 0.981% |
| 102 | Wichita County | $662 | $141,600 | 1.766% |
| 103 | Harrison County | $659 | $178,200 | 1.016% |
| 104 | Jackson County | $658 | $175,500 | 1.052% |
| 105 | Navarro County | $658 | $159,900 | 1.325% |
| 106 | Bowie County | $657 | $161,300 | 1.296% |
| 107 | Young County | $656 | $165,300 | 1.214% |
| 108 | Orange County | $656 | $163,400 | 1.246% |
| 109 | Val Verde County | $655 | $151,500 | 1.474% |
| 110 | Roberts County | $654 | $176,800 | 1.005% |
| 111 | Matagorda County | $654 | $162,200 | 1.255% |
| 112 | Hill County | $654 | $163,100 | 1.234% |
| 113 | Burleson County | $654 | $174,000 | 1.044% |
| 114 | Atascosa County | $651 | $157,400 | 1.321% |
| 115 | Uvalde County | $646 | $144,400 | 1.565% |
| 116 | Maverick County | $645 | $151,500 | 1.394% |
| 117 | Milam County | $644 | $168,900 | 1.059% |
| 118 | Lamar County | $644 | $175,500 | 0.951% |
| 119 | Cherokee County | $643 | $160,300 | 1.211% |
| 120 | Gonzales County | $642 | $158,900 | 1.227% |
| 121 | Anderson County | $642 | $173,400 | 0.973% |
| 122 | Calhoun County | $641 | $150,000 | 1.397% |
| 123 | Reagan County | $639 | $163,700 | 1.115% |
| 124 | Titus County | $636 | $157,900 | 1.201% |
| 125 | Sherman County | $634 | $125,500 | 1.952% |
| 126 | Robertson County | $632 | $172,700 | 0.917% |
| 127 | Rusk County | $631 | $166,900 | 1.001% |
| 128 | Freestone County | $630 | $164,400 | 1.037% |
| 129 | Lynn County | $627 | $130,800 | 1.734% |
| 130 | Limestone County | $626 | $154,400 | 1.187% |
| 131 | Dallam County | $624 | $140,500 | 1.470% |
| 132 | Camp County | $623 | $159,900 | 1.065% |
| 133 | Angelina County | $622 | $149,800 | 1.250% |
| 134 | Comanche County | $622 | $137,800 | 1.511% |
| 135 | Hansford County | $620 | $132,100 | 1.639% |
| 136 | San Saba County | $620 | $161,800 | 1.006% |
| 137 | Leon County | $619 | $177,400 | 0.755% |
| 138 | Moore County | $617 | $135,400 | 1.526% |
| 139 | Oldham County | $615 | $144,800 | 1.297% |
| 140 | Sutton County | $614 | $140,600 | 1.378% |
| 141 | Potter County | $613 | $134,900 | 1.503% |
| 142 | Carson County | $612 | $140,600 | 1.362% |
| 143 | DeWitt County | $612 | $167,200 | 0.859% |
| 144 | Brown County | $610 | $149,900 | 1.152% |
| 145 | Hidalgo County | $610 | $124,000 | 1.764% |
| 146 | Madison County | $608 | $149,100 | 1.155% |
| 147 | Ochiltree County | $607 | $137,200 | 1.402% |
| 148 | Polk County | $605 | $154,000 | 1.037% |
| 149 | Martin County | $604 | $162,200 | 0.884% |
| 150 | Howard County | $604 | $150,300 | 1.092% |
| 151 | Nacogdoches County | $600 | $158,200 | 0.925% |
| 152 | Parmer County | $598 | $127,300 | 1.566% |
| 153 | Houston County | $593 | $155,100 | 0.921% |
| 154 | Irion County | $591 | $152,600 | 0.954% |
| 155 | Callahan County | $591 | $144,800 | 1.096% |
| 156 | Hamilton County | $588 | $124,800 | 1.537% |
| 157 | Presidio County | $588 | $123,100 | 1.583% |
| 158 | Delta County | $587 | $149,400 | 0.975% |
| 159 | McMullen County | $585 | $108,800 | 1.992% |
| 160 | Sterling County | $584 | $143,200 | 1.072% |
| 161 | Cameron County | $584 | $120,000 | 1.622% |
| 162 | Lipscomb County | $580 | $128,400 | 1.363% |
| 163 | Pecos County | $579 | $142,900 | 1.034% |
| 164 | Jim Hogg County | $578 | $125,600 | 1.413% |
| 165 | Terrell County | $571 | $152,200 | 0.803% |
| 166 | Panola County | $570 | $146,000 | 0.899% |
| 167 | Tyler County | $568 | $138,400 | 1.032% |
| 168 | Cass County | $560 | $133,500 | 1.063% |
| 169 | Live Oak County | $559 | $142,300 | 0.882% |
| 170 | Karnes County | $559 | $136,900 | 0.982% |
| 171 | Childress County | $555 | $115,100 | 1.472% |
| 172 | Scurry County | $554 | $110,800 | 1.589% |
| 173 | Frio County | $553 | $110,100 | 1.590% |
| 174 | Crane County | $552 | $119,900 | 1.308% |
| 175 | Red River County | $552 | $133,800 | 0.984% |
| 176 | Hockley County | $550 | $112,700 | 1.480% |
| 177 | Sabine County | $549 | $131,900 | 0.997% |
| 178 | Stephens County | $548 | $105,700 | 1.683% |
| 179 | Deaf Smith County | $548 | $116,000 | 1.371% |
| 180 | Schleicher County | $547 | $113,400 | 1.429% |
| 181 | Terry County | $545 | $111,200 | 1.479% |
| 182 | Menard County | $545 | $105,300 | 1.659% |
| 183 | Eastland County | $545 | $121,700 | 1.192% |
| 184 | Jasper County | $539 | $125,900 | 1.036% |
| 185 | Concho County | $534 | $105,800 | 1.512% |
| 186 | Bailey County | $526 | $104,400 | 1.468% |
| 187 | La Salle County | $524 | $101,000 | 1.561% |
| 188 | Reeves County | $524 | $113,700 | 1.181% |
| 189 | Runnels County | $524 | $103,700 | 1.464% |
| 190 | Hale County | $523 | $106,100 | 1.386% |
| 191 | Coke County | $523 | $112,900 | 1.187% |
| 192 | Hutchinson County | $521 | $102,200 | 1.482% |
| 193 | Winkler County | $519 | $121,200 | 0.952% |
| 194 | Ward County | $519 | $138,800 | 0.600% |
| 195 | Collingsworth County | $519 | $108,400 | 1.271% |
| 196 | McCulloch County | $518 | $104,400 | 1.375% |
| 197 | Bee County | $517 | $102,800 | 1.421% |
| 198 | Morris County | $515 | $110,200 | 1.178% |
| 199 | Nolan County | $513 | $98,300 | 1.511% |
| 200 | Gray County | $512 | $100,400 | 1.429% |
| 201 | Wilbarger County | $511 | $98,800 | 1.474% |
| 202 | Mitchell County | $510 | $85,700 | 1.960% |
| 203 | Dawson County | $508 | $90,800 | 1.726% |
| 204 | Trinity County | $508 | $110,100 | 1.107% |
| 205 | Jim Wells County | $508 | $104,800 | 1.251% |
| 206 | Falls County | $507 | $97,300 | 1.469% |
| 207 | Wheeler County | $506 | $97,600 | 1.446% |
| 208 | Swisher County | $505 | $89,200 | 1.743% |
| 209 | Shelby County | $504 | $111,700 | 1.023% |
| 210 | Upton County | $501 | $106,300 | 1.126% |
| 211 | Jones County | $499 | $92,700 | 1.537% |
| 212 | Refugio County | $494 | $94,400 | 1.404% |
| 213 | Crockett County | $490 | $140,000 | 0.333% |
| 214 | Kent County | $487 | $108,900 | 0.907% |
| 215 | Floyd County | $484 | $101,000 | 1.079% |
| 216 | Coleman County | $482 | $91,200 | 1.368% |
| 217 | Marion County | $480 | $110,500 | 0.787% |
| 218 | Baylor County | $478 | $93,300 | 1.247% |
| 219 | Zavala County | $478 | $88,100 | 1.423% |
| 220 | Kinney County | $478 | $88,500 | 1.406% |
| 221 | Castro County | $473 | $94,900 | 1.124% |
| 222 | Garza County | $470 | $79,300 | 1.660% |
| 223 | Starr County | $469 | $93,300 | 1.122% |
| 224 | Fisher County | $468 | $77,600 | 1.705% |
| 225 | Crosby County | $467 | $75,500 | 1.781% |
| 226 | Haskell County | $465 | $92,000 | 1.117% |
| 227 | Donley County | $462 | $90,500 | 1.126% |
| 228 | Brooks County | $453 | $82,700 | 1.260% |
| 229 | Zapata County | $451 | $88,800 | 1.027% |
| 230 | Duval County | $449 | $86,400 | 1.078% |
| 231 | Throckmorton County | $449 | $84,200 | 1.151% |
| 232 | Knox County | $446 | $66,800 | 1.862% |
| 233 | Hall County | $443 | $80,200 | 1.212% |
| 234 | Briscoe County | $441 | $82,900 | 1.084% |
| 235 | Borden County | $441 | $105,400 | 0.468% |
| 236 | Dimmit County | $439 | $80,300 | 1.142% |
| 237 | Newton County | $438 | $83,100 | 1.030% |
| 238 | Motley County | $437 | $81,100 | 1.097% |
| 239 | Lamb County | $433 | $76,600 | 1.192% |
| 240 | Hardeman County | $432 | $76,500 | 1.183% |
| 241 | Willacy County | $430 | $60,800 | 1.914% |
| 242 | Culberson County | $429 | $84,500 | 0.859% |
| 243 | Edwards County | $428 | $78,300 | 1.051% |
| 244 | San Augustine County | $424 | $83,500 | 0.816% |
| 245 | Foard County | $419 | $71,400 | 1.182% |
| 246 | Dickens County | $413 | $65,000 | 1.366% |
| 247 | Stonewall County | $386 | $54,700 | 1.360% |
| 248 | Cochran County | $385 | $57,700 | 1.185% |
| 249 | Hudspeth County | $384 | $57,400 | 1.179% |
| 250 | Cottle County | $375 | $54,100 | 1.152% |
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
Most Expensive Counties to Own a Home Outright across all 3,133 US counties · Every county in Texas