These Are The Top 10 Most Affordable Counties To Live In Texas: Report

TEXAS — When the American Dream starts to feel like an insurmountable mountain of debt and grueling 60-hour workweeks, it can quickly become a nightmare. However, a recent study sheds light on parts of Texas where affordability is still very much alive, revealing the state's most budget-friendly places to live.

SmartAsset, a leading consumer financial data company, has pinpointed Winkler County, Texas, as the most affordable place to own a home in the entire state.

By analyzing key factors such as property taxes, homeowners’ insurance, and home prices in relation to local median income, the company compiled a list of the top 10 most affordable places to buy a home in Texas.

Winkler County tops the list with an impressively low average annual mortgage payment of just $7,073. With a median income of $85,083, residents can comfortably afford to purchase a home without the crushing debt loads found elsewhere.

For comparison, the Texas state average for annual mortgage payments is $21,021, with a median income of $75,138. This stark contrast highlights the affordability of Winkler County, where the cost of homeownership remains within reach for many.

Winkler County's affordable housing market offers a great opportunity for first-time homebuyers and retirees looking for a lower cost of living in Texas.

Texas overall continues to attract homebuyers seeking budget-friendly options without compromising on quality of life, making it one of the most attractive states for affordable living.

Here are the 10 most affordable counties to live in Texas, according to SmartAsset:

1. Winkler County, TX
   • Average Annual Mortgage Payment: $7,073
   • Median Income: $85,083
2. Dimmit County, TX
   • Average Annual Mortgage Payment: $5,374
   • Median Income: $57,083
3. Duval County, TX
   • Average Annual Mortgage Payment: $4,163
   • Median Income: $44,324
4. Frio County, TX
   • Average Annual Mortgage Payment: $7,895
   • Median Income: $72,188
5. Childress County, TX
   • Average Annual Mortgage Payment: $5,264
   • Median Income: $52,870
6. Castro County, TX
   • Average Annual Mortgage Payment: $8,411
   • Median Income: $77,938
7. Bailey County, TX
   • Average Annual Mortgage Payment: $7,623
   • Median Income: $70,509
8. Donley County, TX
   • Average Annual Mortgage Payment: $5,597
   • Median Income: $54,351
9. Carson County, TX
   • Average Annual Mortgage Payment: $8,630
   • Median Income: $72,963
10. Milam County, TX
    • Average Annual Mortgage Payment: $5,447
    • Median Income: $49,602

The full report, including the methodology, key findings, and additional infographics, can be found here.