Texas’s reputation as a haven for affordable living continues to attract the attention of potential residents, particularly in the backdrop of the state’s favorable tax structure. With the absence of a state income tax and minimal taxation on inheritance and estates, Texas has positioned itself as an appealing destination for many, especially retirees. However, the trade-off often lies in property taxes, which can be notably higher than the national average. According to recent data, property tax rates in Texas stand at approximately 1.47%, significantly above the national average of about 0.90%. This landscape compels individuals considering a move to the Lone Star State to weigh their housing options carefully, particularly as some counties offer significantly lower tax burdens and living costs.
Recent insights from Kiplinger reveal a comprehensive ranking of Texas counties based on property tax burdens and housing prices, shining a light on the most affordable places to live in the state. The analysis is grounded in 2025 data from the Tax Foundation, leveraging U.S. Census Bureau statistics while excluding counties with smaller populations to ensure a representative sample. For those contemplating a transition to Texas, be it for work or a change in lifestyle, several counties emerge as notable contenders for those seeking budget-friendly options.
Ward County, for instance, presents itself as a deceptively affordable locality, with a median home price around $138,800 and an average property tax bill of $833. Nestled just three hours from the Mexican border, Ward is often dubbed “The Oasis of the Texas Desert” due to the picturesque Pecos River that flows through the area. The county boasts recreational offerings such as fishing and camping, appealing to outdoor enthusiasts. Nearby, Monahans Sandhills State Park provides opportunities for hiking and unique “sand surfing” activities, promoting an active lifestyle that attracts budget-conscious families.
Moving south toward Edwards County, potential residents find an even more compelling scenario for affordable living. With a median home price dipping to approximately $78,300 and property tax exposures around $823 annually, the county emerges as a valid option for those looking to downsize or relocate for remote work opportunities. Historically significant in wool and mohair production, the county also hosts diverse outdoor activities thanks to the scenic Edwards Plateau. Attractions include the Kickapoo Cavern State Park, making it suitable not just for budget-centric individuals but also for hobbyists and those appreciative of nature.
Stonewall County, another ticket to affordable living, is characterized by its strikingly low median home price of $54,700, along with a modest property tax bill of about $744. This sparsely populated region fosters a lifestyle tethered to agriculture and a slower pace, well-suited for residents who embrace the quietude of country life. Activities like hunting and cultural exploration of the region’s rich history might attract individuals seeking inexpensive yet fulfilling living arrangements.
Just west of Stonewall lies Culberson County, where the median home price approximates $84,500 with property taxes around $726 per year. Quickly gaining notoriety for its affiliation with the stunning Guadalupe Mountains National Park, the area presents a veritable playground for outdoor enthusiasts. Guadalupe Peak, noted as the highest point in Texas, beckons thousands of recreation-seekers each year. The county’s unique geographical distinctions—spanning two time zones—further enrich the experience of living there, alongside a backdrop of historic ranching traditions.
Fifteen counties to the west, Cochran County offers affordable living with a median home price of merely $57,700 and an approximate property tax of $684. Known as “Texas’ Last Frontier,” this area is historically rich, with its agrarian roots stemming from ranching and crop farming, particularly cotton. For individuals drawn to rural lifestyles yet valuing access to cultural experiences—like the annual rodeo and lasting traditions—Cochran provides a harmonious blend of affordability and community spirit.
San Augustine County, located within reach of the Louisiana border, is another budget-friendly option, with a median home price of $83,500 amid a relatively low property tax burden averaging $681 annually. Steeped in Southern charm, the region celebrates its history through sites such as Mission Dolores and hosts vibrant local events, including a rodeo and an annual festival that draws attention from surrounding areas.
Transitioning northward, Hudspeth County proves to be similarly attractive, with home prices resting around $57,400 and property taxes at a modest $677. The local economy, balanced between tourism and ranching, thrives on outdoor exploration, especially near Guadalupe Mountains National Park. Although homes may be affordable, prospects for self-sufficient living are somewhat tempered by the need for accessible resources, such as water supplies—a necessity for those looking to homestead.
Cottle County, located closer to the Oklahoma boundary, holds the title for the lowest median home price at approximately $54,100. Coupled with a low property tax liability of $623, the county is a sanctuary for wildlife enthusiasts seeking to embrace nature, particularly within the expansive Matador Wildlife Management Area. The area reverberates with cultural activities and events, ensuring that residents experience a vibrant community life despite remote settings.
Borden County epitomizes the ease of rural life, with home prices hovering just above $105,000 and an incredibly low property tax rate—averaging $493 annually. Characterized as a “dry” county prohibiting the sale of alcohol, Borden draws residents keen on outdoor recreation and a pace reflective of their agrarian surroundings. With a property tax rate significantly below the national average, this region offers a reprieve from the financial pressures often associated with urban living.
At the pinnacle of affordable living in Texas is Crockett County, which showcases the most attractive financial landscape with a median home price around $140,000 and a strikingly low median property tax bill of $466. The area boasts a rich cultural heritage tied closely to the history of famed frontiersman Davy Crockett. Residents enjoy access to local museums, state parks, and various recreational pursuits that cater to both nature lovers and history enthusiasts.
In summary, Texas remains a magnet for those seeking a lower cost of living, particularly in its lesser-known counties, where affordable housing options do not compromise on lifestyle quality. The current economic climate, coupled with enticing tax policies, positions this expansive state as an attractive locale for individuals aiming for a balanced, fulfilling life without the financial burden often associated with urban environments. Whether drawn by the natural beauty, cultural history, or community spirit, countless residents are finding the Texas countryside to be a welcoming and economically sensible option. As people continue exploring these affordable havens, the long-standing narrative of Texas as a desirable place to call home is likely to endure, appealing to both new arrivals and lifelong citizens alike.