The most affordable cities to buy a house in Texas (2026)

Every Texas city over 10,000 residents, ranked by the gross household income it takes to buy the typical home: 20% down at 7.03% (30-yr fixed), including Texas property tax and insurance. Data through 2026-08.

  1. Pampa — typical home $109K, income to buy about $35,000/yr
  2. Borger — typical home $110K, income to buy about $36,000/yr
  3. Robstown — typical home $117K, income to buy about $38,000/yr
  4. Raymondville — typical home $119K, income to buy about $39,000/yr
  5. Plainview — typical home $121K, income to buy about $40,000/yr
  6. Sweetwater — typical home $124K, income to buy about $40,000/yr
  7. Port Arthur — typical home $128K, income to buy about $42,000/yr
  8. Alice — typical home $135K, income to buy about $44,000/yr
  9. Mercedes — typical home $143K, income to buy about $47,000/yr
  10. Snyder — typical home $146K, income to buy about $48,000/yr
  11. Kingsville — typical home $146K, income to buy about $48,000/yr
  12. Big Spring — typical home $147K, income to buy about $48,000/yr
  13. Levelland — typical home $147K, income to buy about $48,000/yr
  14. Rio Grande City — typical home $151K, income to buy about $49,000/yr
  15. Donna — typical home $154K, income to buy about $50,000/yr
  16. Bellmead — typical home $158K, income to buy about $52,000/yr
  17. Galena Park — typical home $160K, income to buy about $52,000/yr
  18. Freeport — typical home $163K, income to buy about $53,000/yr
  19. Beeville — typical home $165K, income to buy about $54,000/yr
  20. Pharr — typical home $165K, income to buy about $54,000/yr
  21. Marshall — typical home $166K, income to buy about $54,000/yr
  22. San Benito — typical home $166K, income to buy about $54,000/yr
  23. La Homa — typical home $167K, income to buy about $55,000/yr
  24. Brownwood — typical home $172K, income to buy about $56,000/yr
  25. Hereford — typical home $173K, income to buy about $56,000/yr

At the other end, Texas's priciest markets: University Park ($807,000/yr), Southlake ($430,000/yr), Bellaire ($384,000/yr), Colleyville ($300,000/yr), Prosper ($247,000/yr).

"Income to buy" holds the typical home's payment inside the 28% lender guideline. Your own verdict depends on savings and debts — open any city and run your numbers, or see the whole country on the affordability map.

i wanna buy a house .com — type a city, see its market, find out what you can afford.