15 Texas Cities Where You Can Buy a Home for Less Than $100K
It’s hard enough to find a job that pays $100,000, much less a home you can buy for less than that. In this economy, finding an affordable place to live is getting harder across the country, but hold on to your cowboy hats because Texas still offers rare pockets of opportunity for budget‑minded buyers.
If you’re searching for cheap homes in the Texas real estate markets or hoping to score property as a first‑time homebuyer, you’ll be surprised by how many cities still offer homes under six figures. If you’re talking about savings, everything does seem to be bigger in Texas as these communities deliver a powerful mix of livability, low property taxes and wide‑open space, without the sky‑high price tag found in major metros like Austin or Dallas.
MoneyLion has found several cities throughout the Lone Star State where you can buy a home for less than $100,000, based on the most recent home valuations and average mortgage payments. Whether you're hoping to invest in rental property or relocate for a lower cost of living, these overlooked Texas towns may be the yee to your haw when it comes to affordable housing.
Explore where your money goes further, and why these affordable 15 Texas housing markets continue to attract buyers seeking value, stability and long‑term growth.
Also See: 50 Cheapest, Safest Places To Live in the US
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1. Morton
Average home value: $42,937
20% down payment: $8,587
Monthly mortgage payment with 20% down: $209
10% down payment: $4,294
Monthly mortgage payment with 10% down: $235
2. Whiteface
Average home value: $48,947
20% down payment: $9,789
Monthly mortgage payment with 20% down: $239
10% down payment: $4,895
Monthly mortgage payment with 10% down: $268
3. Skellytown
Average home value: $61,538
20% down payment: $12,308
Monthly mortgage payment with 20% down: $300
10% down payment: $6,154
Monthly mortgage payment with 10% down: $337
4. Rochester
Average home value: $62,675
20% down payment: $12,535
Monthly mortgage payment with 20% down: $305
10% down payment: $6,268
Monthly mortgage payment with 10% down: $344
5. Rotan
Average home value: $63,331
20% down payment: $12,666
Monthly mortgage payment with 20% down: $309
10% down payment: $6,333
Monthly mortgage payment with 10% down: $347
6. Paducah
Average home value: $63,730
20% down payment: $12,746
Monthly mortgage payment with 20% down: $311
10% down payment: $6,373
Monthly mortgage payment with 10% down: $349
7. Rule
Average home value: $63,901
20% down payment: $12,780
Monthly mortgage payment with 20% down: $311
10% down payment: $6,390
Monthly mortgage payment with 10% down: $350
8. Crowell
Average home value: $64,403
20% down payment: $12,881
Monthly mortgage payment with 20% down: $314
10% down payment: $6,440
Monthly mortgage payment with 10% down: $353
9. Crosbyton
Average home value: $65,967
20% down payment: $13,193
Monthly mortgage payment with 20% down: $322
10% down payment: $6,597
Monthly mortgage payment with 10% down: $362
10. Falfurrias
Average home value: $67,232
20% down payment: $13,446
Monthly mortgage payment with 20% down: $328
10% down payment: $6,723
Monthly mortgage payment with 10% down: $369
11. Freer
Average home value: $67,343
20% down payment: $13,469
Monthly mortgage payment with 20% down: $328
10% down payment: $6,734
Monthly mortgage payment with 10% down: $369
12. Benavides
Average home value: $70,122
20% down payment: $14,024
Monthly mortgage payment with 20% down: $342
10% down payment: $7,012
Monthly mortgage payment with 10% down: $384
13. Floydada
Average home value: $71,092
20% down payment: $14,218
Monthly mortgage payment with 20% down: $346
10% down payment: $7,109
Monthly mortgage payment with 10% down: $390
14. Shamrock
Average home value: $71,976
20% down payment: $14,395
Monthly mortgage payment with 20% down: $351
10% down payment: $7,198
Monthly mortgage payment with 10% down: $395
15. Memphis
Average home value: $72,133
20% down payment: $14,427
Monthly mortgage payment with 20% down: $352
10% down payment: $7,213
Monthly mortgage payment with 10% down: $396
Methodology: For this piece, MoneyLion used Zillow's November 2025 data to identify all Texas cities with home values below $100,000. With these cities isolated, MoneyLion found the monthly mortgage prices based on various down payments. For these calculations, MoneyLion assumed a 30-year fixed-rate mortgage at 6.15%, as sourced from Freddie Mac, with no PMI, no HOA, and no property taxes. All data is up to date as of Jan. 6, 2026.
This article was provided by MoneyLion.com for informational purposes only and should not be construed as financial, legal or tax advice.
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