These Are the 25 Best Towns to Retire in Texas Taking the Costs of Buying a Home and Homeownership Into Consideration Along with Several Other Key Criteria

This comprehensive guide examines 25 of Texas’s most attractive retirement destinations, arranged alphabetically for my easy reference.

I’ve evaluated each town across five key criteria: Cost of Housing, Healthcare Access, Weather, Cultural Activities, and Crime Rate. The grades I’ve assigned (A+ through D) are relative only to other Texas communities, providing me a focused comparison within the state rather than national standards. I used many sources in my analysis – all sources are listed at the end.

These subjective assessments are based on current data and trends, with each grade reflecting a town’s performance relative to its Texas peers.

This approach allows me to make meaningful comparisons while acknowledging the unique characteristics that make each location special within the context of Texas living.

Related: 4 Secluded Mansions in Texas with Serious Swagger

Here’s the list.

1. Bastrop

• Cost of Buying a Home: B+
• Healthcare Access: B
• Weather: B
• Cultural Activities: B+
• Crime Rate: A-

Nestled among the Lost Pines, this historic town offers a peaceful retreat just outside Austin’s bustling metropolis. Housing costs provide good value compared to nearby Austin while maintaining small-town charm. While local medical facilities handle routine care, major hospitals are within an easy drive. Summer heat is moderated by pine forest shade, though humidity remains typical for central Texas. The vibrant downtown arts scene and regular festivals celebrate the town’s rich heritage. A strong community focus helps maintain lower crime rates than larger urban areas.

2. Boerne

• Cost of Buying a Home: B-
• Healthcare Access: A-
• Weather: B+
• Cultural Activities: A-
• Crime Rate: A

This Hill Country gem combines German heritage with modern Texas charm. Real estate prices reflect the town’s desirability and proximity to San Antonio. The medical community provides excellent care with major facilities nearby. The elevation offers slightly cooler temperatures than surrounding areas. The historic Main Street, dubbed the “Hill Country Mile,” hosts art galleries, boutiques, and German-inspired festivals. The tight-knit community enjoys remarkably low crime rates.

3. Fredericksburg

• Cost of Buying a Home: C+
• Healthcare Access: B+
• Weather: A-
• Cultural Activities: A
• Crime Rate: A-

Famous for its German roots and wine country allure, Fredericksburg captivates visitors and residents alike. Housing costs trend higher due to tourism and second-home demand. Hill Country Memorial Hospital provides quality care with specialized services nearby. The elevation creates milder temperatures than much of Texas. A rich cultural scene includes wineries, peach orchards, and the National Museum of the Pacific War. The tourist-friendly atmosphere maintains strong safety standards.

4. Georgetown

• Cost of Buying a Home: B-
• Healthcare Access: A
• Weather: B
• Cultural Activities: A-
• Crime Rate: A

Known as the “Red Poppy Capital of Texas,” Georgetown balances growth with small-town appeal. Housing prices reflect Austin’s influence but remain more moderate than the capital city. St. David’s Georgetown Hospital anchors comprehensive medical services. While summer heat is typical for central Texas, spring brings spectacular wildflower displays. The restored Victorian downtown and cultural district host year-round events. Well-planned growth helps maintain exemplary safety records.

5. Granbury

• Cost of Buying a Home: B+
• Healthcare Access: B+
• Weather: B-
• Cultural Activities: B+
• Crime Rate: A-

Historic charm meets lakeside living in this North Texas treasure. Real estate offers good value for a lake community within reach of Fort Worth. Lake Granbury Medical Center provides reliable healthcare with specialists available. Hot summers and variable winters typify the climate. The town square, recognized as Texas’s first, hosts regular cultural events and theater productions. The small-town atmosphere contributes to strong safety statistics.

6. Harlingen

• Cost of Buying a Home: A
• Healthcare Access: B+
• Weather: B+
• Cultural Activities: B
• Crime Rate: C+

This Rio Grande Valley hub offers affordable retirement living with a tropical twist. Housing costs rank among the most affordable in Texas. Valley Baptist Medical Center provides comprehensive healthcare services. The semi-tropical climate brings mild winters and warm summers moderated by Gulf breezes. Cultural activities blend Texan and Mexican influences, while proximity to South Padre Island adds beach appeal. Higher-than-average crime rates for Texas cities require consideration when choosing neighborhoods.

7. Kerrville

• Cost of Buying a Home: B
• Healthcare Access: A-
• Weather: A-
• Cultural Activities: B+
• Crime Rate: B+

The “Cowboy Capital of the World” combines college-town energy with ranching heritage. Housing remains affordable despite Tarleton State University’s presence. Texas Health Harris Methodist Hospital provides quality healthcare services. North Texas weather brings hot summers and variable winters. Rodeos, university events, and the Cross Timbers Fine Arts Council maintain cultural vitality. The community enjoys better-than-average safety statistics.

Nestled along the Guadalupe River, Kerrville embodies Hill Country serenity. The housing market balances affordability with desirable amenities. Peterson Regional Medical Center leads a robust healthcare community. The hill country location moderates the Texas heat. The Museum of Western Art and numerous festivals celebrate the region’s heritage. Community engagement helps maintain above-average safety levels.

8. La Grange

• Cost of Buying a Home: A-
• Healthcare Access: B
• Weather: B-
• Cultural Activities: B
• Crime Rate: A-

This historic county seat offers authentic small-town Texas living. Real estate prices remain surprisingly affordable for central Texas. St. Mark’s Medical Center provides basic care with major facilities accessible in nearby cities. The climate features hot summers with mild winters. The historic courthouse square and Czech heritage create a unique cultural atmosphere. Strong community ties foster consistently low crime rates.

9. Lampasas

• Cost of Buying a Home: A
• Healthcare Access: B-
• Weather: B
• Cultural Activities: B-
• Crime Rate: A-

Known for its historic mineral springs, Lampasas provides affordable Hill Country living. Housing costs remain among the most reasonable in the region. While local healthcare is basic, major medical facilities are within an hour’s drive. The climate offers typical Texas warmth with occasional hill country breezes. The restored downtown and spring-fed pool preserve the town’s unique history. Small population size contributes to low crime statistics.

10. Marble Falls

• Cost of Buying a Home: B-
• Healthcare Access: B+
• Weather: B+
• Cultural Activities: B+
• Crime Rate: A-

Lakeside beauty meets Hill Country charm in this Highland Lakes community. Property values reflect the appealing location and lake amenities. Baylor Scott & White Medical Center provides quality local healthcare. Lake breezes moderate the Texas heat while supporting year-round water activities. The active arts community and regular festivals maintain a vibrant cultural scene. The family-oriented atmosphere helps preserve strong safety standards.

11. McAllen

• Cost of Buying a Home: A
• Healthcare Access: A
• Weather: B
• Cultural Activities: A-
• Crime Rate: A-

This Rio Grande Valley metropolis offers affordable living with international flair. Housing costs remain remarkably affordable despite the city’s amenities. Multiple major medical centers provide comprehensive healthcare options. The subtropical climate ensures mild winters but hot summers. Cultural offerings blend American and Mexican influences, with regular festivals and events. The city maintains lower crime rates than many comparable Texas cities, contributing to its appeal for retirees.

12. Nacogdoches

• Cost of Buying a Home: A-
• Healthcare Access: B+
• Weather: B-
• Cultural Activities: B+
• Crime Rate: B

Texas’s oldest town charms with its rich history and forest setting. The real estate market offers excellent value in East Texas. Medical facilities serve routine needs well with specialized care available in nearby cities. The climate features humid summers and mild winters typical of East Texas. Stephen F. Austin State University enriches the cultural landscape with numerous events. Crime rates remain average for a college town.

13. New Braunfels

• Cost of Buying a Home: B-
• Healthcare Access: A-
• Weather: B
• Cultural Activities: A
• Crime Rate: B+

German heritage and river recreation define this growing Hill Country city. Housing costs reflect increasing demand and proximity to major cities. CHRISTUS Santa Rosa Hospital leads quality healthcare services. Summer heat is tempered by two rivers perfect for tubing. The Gruene Historic District and numerous festivals celebrate the area’s unique culture. Growth management helps maintain better-than-average safety levels.

14. Palestine

• Cost of Buying a Home: A
• Healthcare Access: B
• Weather: B-
• Cultural Activities: B
• Crime Rate: B-

Victorian architecture and railroad history converge in this East Texas gem. Housing remains highly affordable with many historic options available. Palestine Regional Medical Center provides essential healthcare services. The climate features typical East Texas humidity with mild winters. The Texas State Railroad and dogwood festivals highlight cultural offerings. Crime rates align with similar-sized Texas towns.

15. Port Aransas

• Cost of Buying a Home: C+
• Healthcare Access: B-
• Weather: A-
• Cultural Activities: B+
• Crime Rate: A-

Island living meets small-town charm in this Gulf Coast paradise. Property values reflect the premium for coastal living. While local medical care is basic, Corpus Christi facilities are nearby. Sea breezes moderate temperatures year-round. The active arts community and numerous fishing tournaments create a lively atmosphere. The island community maintains impressive safety standards.

Related: The 25 best places to raise a family in Texas

16. Port Lavaca

• Cost of Buying a Home: A
• Healthcare Access: B
• Weather: B+
• Cultural Activities: B-
• Crime Rate: B+

Affordable coastal living attracts retirees to this working waterfront community. Housing costs remain surprisingly reasonable for a coastal location. Memorial Medical Center provides basic healthcare services. Gulf breezes moderate the climate throughout the year. Fishing tournaments and seafood festivals highlight local activities. The small-town atmosphere helps maintain good safety records.

17. Rockport

• Cost of Buying a Home: B
• Healthcare Access: B
• Weather: A-
• Cultural Activities: B+
• Crime Rate: A-

Art galleries and coastal charm blend in this recovering hurricane community. Real estate offers good value for coastal Texas. Local medical facilities meet basic needs with more options in nearby Corpus Christi. Constant sea breezes moderate the Gulf Coast climate. The thriving arts community and numerous festivals create year-round entertainment. Strong community bonds help maintain low crime rates.

18. San Marcos

• Cost of Buying a Home: B
• Healthcare Access: A-
• Weather: B
• Cultural Activities: A-
• Crime Rate: A-

Famous spring-fed rivers and university energy characterize this Hill Country hub. Housing costs balance college town demand with retirement appeal. Central Texas Medical Center provides comprehensive healthcare. The San Marcos River helps moderate typical Texas heat. Texas State University ensures constant cultural activities and learning opportunities. Despite being a college town, the city maintains impressively low crime rates compared to other Texas cities.

19. Smithville

• Cost of Buying a Home: A
• Healthcare Access: B-
• Weather: B-
• Cultural Activities: B
• Crime Rate: A-

This small railroad town offers authentic Texas living at affordable prices. Real estate remains some of the most accessible near Austin. While local medical care is basic, major facilities are within an hour’s drive. The climate features typical central Texas warmth. The historic downtown and numerous film locations create unique charm. The close-knit community enjoys very low crime rates.

20. Stephenville

• Cost of Buying a Home: A-
• Healthcare Access: B+
• Weather: B-
• Cultural Activities: B
• Crime Rate: B+

Proudly known as the “Cowboy Capital of the World,” Stephenville blends authentic Western heritage with modern amenities. Housing costs remain surprisingly reasonable for a thriving college town, with options ranging from historic homes to new developments. Texas Health Harris Methodist Hospital anchors healthcare services, while Tarleton State University’s nursing program enhances medical resources. The North Texas climate brings challenging summer heat and unpredictable winters, though spring and fall offer pleasant conditions. The vibrant mix of cowboy culture and college life creates unique entertainment options, from professional rodeos and ranching events to university performances and art exhibitions. The strong police presence and engaged community help maintain safety despite the dynamic population mix.

21. Taylor

• Cost of Buying a Home: A-
• Healthcare Access: B+
• Weather: B
• Cultural Activities: B
• Crime Rate: B+

This historic railroad town offers affordable living near Austin’s tech corridor. Real estate prices remain reasonable despite proximity to major employers. Baylor Scott & White Medical Center provides comprehensive healthcare. The climate features typical central Texas temperatures. The restored downtown district and famous barbecue scene create a unique cultural atmosphere. Community policing maintains solid safety records.

22. Temple

• Cost of Buying a Home: A
• Healthcare Access: A+
• Weather: B+
• Cultural Activities: B
• Crime Rate: B

Healthcare excellence defines this growing central Texas city. Housing costs remain surprisingly affordable for a medical hub. Baylor Scott & White’s flagship medical center leads world-class healthcare services. The climate features hot summers balanced by notably mild winters that appeal to retirees. The Cultural Activities Center and Railroad Museum preserve local heritage. Crime rates align with similar-sized Texas cities.

23. Tyler

• Cost of Buying a Home: B+
• Healthcare Access: A
• Weather: B
• Cultural Activities: A-
• Crime Rate: C+

The “Rose Capital of America” blooms with East Texas charm. Housing offers good value in this regional hub. Multiple major medical centers provide excellent healthcare options. The climate features humid summers and mild winters. The Tyler Rose Garden and numerous cultural venues create year-round interest. Higher-than-average crime rates for Texas cities warrant careful neighborhood selection.

24. Victoria

• Cost of Buying a Home: A-
• Healthcare Access: A-
• Weather: B
• Cultural Activities: B+
• Crime Rate: C+

This “Crossroads of South Texas” combines affordability with urban amenities. Real estate prices remain attractive for a regional center. Citizens Medical Center and DeTar Healthcare System provide comprehensive medical services. Gulf Coast influence moderates the climate somewhat. The restored downtown and numerous museums celebrate the area’s rich history. Recent trends show higher crime rates than typical for similarly sized Texas cities.

Related: The 47 counties with the longest life expectancy in Texas

25. Wimberley

• Cost of Buying a Home: C+
• Healthcare Access: B
• Weather: B+
• Cultural Activities: A-
• Crime Rate: A

Natural beauty and artistic spirit define this Hill Country haven. Housing costs reflect the town’s desirability and proximity to Austin. While local medical care is basic, major facilities are within easy reach. The cypress-lined creeks help moderate the Texas heat. Art galleries, music venues, and Market Days create a vibrant cultural scene. The small-town atmosphere maintains exceptional safety standards.

Sources:

• Worldatlas.com
• Relestate.usnews.com
• Greconeylandtx.com
• Investopedia.com
• Borderreport.com
• Statesman.com
• Star-telegram.com
• Safehome.com
• Travelandleisure.com
• Empower.com
• USA.com
• Niche.com
• Neighborhoodscout.com
• ucr.fbi.gov
• Retirable.com