Texas is big, but your budget doesn’t have to be. If you’re tired of cities where rent feels like a punishment and groceries come with a side of regret, there are places in Texas that still make financial sense. You don’t need to live in a major metro to have access to jobs, culture, and a decent taco. Whether you’re fresh out of college, downsizing, or just done with overpriced everything, this list is for you. These towns aren’t trying to be trendy — they’re just affordable, functional, and surprisingly livable. And yes, they exist in 2025. We checked.
Wichita Falls
Wichita Falls is one of those places that quietly works. The cost of living is about 10% below the national average, and housing prices are low enough that buying a home doesn’t feel like a fantasy. The city’s economy is steady, with healthcare, manufacturing, and Sheppard Air Force Base keeping things moving. You’ll find parks, a few museums, and a downtown that’s small but active. It’s not trying to be a destination — it’s trying to be a place where people can live without financial stress. If you want a city that’s affordable, calm, and still has a pulse, Wichita Falls is worth a look.
Baytown
Baytown sits just east of Houston, which means you get access to big-city perks without the big-city price tag. Housing here is around 42% below the national average, and the job market is anchored by the petrochemical industry. Major employers like ExxonMobil and Chevron keep things stable. The Baytown Nature Center and Cedar Bayou offer legit outdoor escapes, and you’re close enough to Houston for concerts, restaurants, and chaos — but far enough to avoid the traffic. Baytown isn’t flashy, but it’s practical. If you want affordability with access, this city makes sense.
Brownsville
Brownsville is one of the most affordable cities in Texas, and it’s not just hype. Home prices are about 30% lower than the national average, and the cost of living consistently ranks below national benchmarks. Located near South Padre Island, Brownsville gives you beach access, cultural heritage, and a surprisingly strong job market thanks to the Port of Brownsville and local healthcare. The vibe is laid-back but lively, with attractions like the Gladys Porter Zoo and a downtown that actually feels lived-in. If you want affordability with flavor, Brownsville delivers.
Lubbock
Lubbock is more than just Texas Tech and football tailgates. It’s a legit affordable city with living costs about 8% below the national average. The housing market is stable, and you can find spacious homes without needing a second job. The healthcare sector is strong here, and the cultural scene — museums, live music, local breweries — gives the city personality. It’s a good fit for young professionals, families, and anyone who wants a mix of affordability and activity. Plus, the traffic is manageable, which is a rare gift in Texas.
San Angelo
San Angelo doesn’t show up on many “hot” lists, and that’s part of its charm. The unemployment rate is low, and the job market is steady thanks to Goodfellow Air Force Base and local healthcare providers. Housing is affordable, and the city has a strong sense of community. You’ll find farmers markets, river walks, and a downtown that’s actually walkable. It’s not trying to be trendy — it’s just trying to be livable. And it succeeds. If you want a place where your money goes further and your neighbors know your name, San Angelo delivers.
Abilene
Abilene is one of the cheapest cities in Texas for families, with a cost of living nearly 20% below the national average. The median home value is under $190K, and groceries are about 4% cheaper than the U.S. average. The city has a solid school system, with Wylie High School and Abilene High School getting good marks. There’s also a zoo, a storybook-themed garden, and enough parks to keep kids entertained without screen time. If you’re raising a family and want space without the financial pressure, Abilene is a smart pick.
Killeen
Killeen is known for its proximity to Fort Cavazos, which makes it a popular choice for military families. The cost of living is around 16% below the national average, and the median home value is just over $217K. The city has solid schools, including Harker Heights High School, and plenty of outdoor options like Stillhouse Hollow Lake and Lions Club Park. It’s not fancy, but it’s functional. If you want affordability with a built-in community vibe, Killeen makes sense.
Texas still has places where you can live well without financial stress. These cities aren’t trying to be the next Austin, and that’s exactly why they work. They offer real value, solid job markets, and communities that feel like home. Whether you’re moving for work, downsizing, or just tired of overpriced everything, these places give you options. And in 2025, that’s what matters: flexibility, affordability, and a lifestyle that doesn’t require a trust fund. So go ahead — explore, compare, and find the Texas town that fits your budget and your vibe.
