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 6.66% (30-yr fixed), including Texas property tax and insurance. Data through 2026-06.

1. Pampa — typical home $109K, income to buy about $35,000/yr
2. Raymondville — typical home $112K, income to buy about $36,000/yr
3. Borger — typical home $114K, income to buy about $36,000/yr
4. Robstown — typical home $115K, income to buy about $36,000/yr
5. Sweetwater — typical home $118K, income to buy about $38,000/yr
6. Plainview — typical home $120K, income to buy about $38,000/yr
7. Port Arthur — typical home $127K, income to buy about $40,000/yr
8. Alice — typical home $129K, income to buy about $41,000/yr
9. Snyder — typical home $140K, income to buy about $45,000/yr
10. Levelland — typical home $144K, income to buy about $46,000/yr
11. Mercedes — typical home $145K, income to buy about $46,000/yr
12. Kingsville — typical home $146K, income to buy about $46,000/yr
13. Rio Grande City — typical home $147K, income to buy about $47,000/yr
14. Big Spring — typical home $148K, income to buy about $47,000/yr
15. Donna — typical home $155K, income to buy about $49,000/yr
16. Bellmead — typical home $157K, income to buy about $50,000/yr
17. Marshall — typical home $158K, income to buy about $50,000/yr
18. San Benito — typical home $162K, income to buy about $52,000/yr
19. Freeport — typical home $164K, income to buy about $52,000/yr
20. Galena Park — typical home $165K, income to buy about $52,000/yr
21. Pharr — typical home $165K, income to buy about $53,000/yr
22. Beeville — typical home $167K, income to buy about $53,000/yr
23. La Homa — typical home $171K, income to buy about $54,000/yr
24. Alamo — typical home $174K, income to buy about $55,000/yr
25. Brownwood — typical home $174K, income to buy about $55,000/yr

At the other end, Texas's priciest markets: University Park ($791,000/yr), Southlake ($426,000/yr), Bellaire ($379,000/yr), Colleyville ($296,000/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.

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