According to the latest data from the Zillow Home Value Index, a surprising number of Texas towns remain highly affordable—even as prices in major metro areas continue to climb. While some of these communities have seen fluctuations over the past few years, they still offer some of the lowest home prices in the state. Whether you’re looking for a quiet retreat, a budget-friendly investment, or simply curious about housing trends, this roundup explores 18 towns where homeownership won’t break the bank in 2025.
18. Spur – 15.4% Home Price Decline Since 2022
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- 2022: $94,694
- 2023: $91,223 (-$3,471, -3.67% from previous year)
- 2024: $73,818 (-$17,405, -19.08% from previous year)
- 2025: $80,143 (+$6,325, +8.57% from previous year)
Spur’s housing market saw a significant decline from 2022 to 2024, dropping by over $20,000 before a modest rebound in 2025. Despite the uptick, the current value remains 15.4% lower than in 2022. For buyers, this means affordable entry into a Texas town where homes cost well under six figures.
Spur – Affordability and Small-Town Simplicity
Spur sits in Dickens County in the rolling plains of West Texas. Known for its push to welcome tiny homes and creative living, the town is one of the most affordable in the state. As of 2025, average home prices hover just above $80,000, after a sharp drop in 2024 and partial recovery this year.
The town’s open stance on alternative housing styles has brought a unique mix of residents, including artists, retirees, and remote workers. With low taxes and wide streets, Spur provides space to breathe for a fraction of what you’d pay in larger Texas cities.
17. Knox City – 19.5% Home Price Decline Since 2022
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- 2022: $98,987
- 2023: $98,603 (-$385, -0.39% from previous year)
- 2024: $87,782 (-$10,821, -10.97% from previous year)
- 2025: $79,625 (-$8,157, -9.29% from previous year)
Knox City home values have steadily declined since 2022, with the average price falling nearly 20% in just three years. The consistent drop suggests limited buyer demand, creating opportunities for those looking for inexpensive property in a quiet part of Texas.
Knox City – Deep Discounts in a Rural Setting
Located in Knox County, this town offers an authentic rural lifestyle with a population under 1,000. In 2025, the average home is priced around $79,000, down from just under $99,000 in 2022. The affordability may appeal to first-time buyers or investors seeking low overhead costs.
Though economic activity is modest, Knox City provides basic amenities and open landscapes. It’s a peaceful place with deep roots in Texas farming and ranching, where your dollar stretches far.
16. Mathis – 6.4% Home Price Decline Since 2009
- 2010: $84,107
- 2011: $78,116 (-$5,991, -7.12% from previous year)
- 2012: $78,132 (+$16, +0.02% from previous year)
- 2013: $81,016 (+$2,884, +3.69% from previous year)
- 2014: $82,033 (+$1,017, +1.26% from previous year)
- 2015: $88,806 (+$6,773, +8.26% from previous year)
- 2016: $98,745 (+$9,939, +11.19% from previous year)
- 2017: $102,330 (+$3,585, +3.63% from previous year)
- 2018: $100,790 (-$1,540, -1.50% from previous year)
- 2019: $93,574 (-$7,216, -7.16% from previous year)
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- 2021: $108,793
- 2022: $101,726 (-$7,067, -6.50% from previous year)
- 2023: $93,609 (-$8,116, -7.98% from previous year)
- 2024: $84,589 (-$9,020, -9.64% from previous year)
- 2025: $79,434 (-$5,155, -6.09% from previous year)
Mathis has seen a total price drop of about 6.4% from its 2009 values. After reaching a high in 2021, prices have declined steadily, landing at just under $80,000 in 2025. This makes Mathis a budget-friendly option near the Texas Gulf Coast.
Mathis – Affordable Lakeside Living
Mathis sits near Lake Corpus Christi in San Patricio County and offers scenic views and water recreation within reach of the coast. Following a high in 2021, home values have been trending downward. The 2025 average sits under $80,000, attractive for outdoor enthusiasts and retirees.
With fishing, boating, and birdwatching close by, Mathis appeals to those who enjoy nature without high property taxes. It’s also accessible to Corpus Christi for commuters or weekend travel.
15. Floydada – 19.4% Home Price Decline Since 2016
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- 2016: $98,534
- 2017: $95,067 (-$3,466, -3.52% from previous year)
- 2018: $94,649 (-$418, -0.44% from previous year)
- 2019: $94,033 (-$616, -0.65% from previous year)
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- 2021: $107,182
- 2022: $98,577 (-$8,605, -8.03% from previous year)
- 2023: $90,733 (-$7,844, -7.96% from previous year)
- 2024: $79,303 (-$11,429, -12.60% from previous year)
- 2025: $79,427 (+$123, +0.16% from previous year)
Floydada’s housing market has shrunk by 19.4% since 2016, though the rate of decline has slowed. With prices now flatlining just under $80,000, it appears the town may have reached a new pricing floor.
Floydada – Stability After a Steady Decline
Located in the South Plains, Floydada is the seat of Floyd County and known for its pumpkin harvests and small-town spirit. After hitting a high in 2021, home values began to fall, but 2025 shows a slight uptick—possibly the beginning of a stabilization period.
The town’s accessibility to Lubbock and agricultural base offer value for those looking to stay close to the land while enjoying extremely low real estate costs.
14. Crowell – 39.3% Home Price Decline Since 2022
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- 2022: $130,454
- 2023: $105,742 (-$24,712, -18.94% from previous year)
- 2024: $92,581 (-$13,160, -12.45% from previous year)
- 2025: $79,193 (-$13,389, -14.46% from previous year)
Since 2022, Crowell has experienced a dramatic 39.3% drop in home values. Every year has brought a double-digit percentage decrease, landing current home prices well below $80,000.
Crowell – Rapid Price Fall in the Big Country
Crowell lies in Foard County in North Central Texas. This small ranching town has seen steep home price losses over the past three years, making it one of the most deeply discounted markets in the state.
With a dwindling population and limited housing demand, Crowell’s prices may continue to fall or stabilize at low levels. For budget-conscious buyers, the town offers a quiet pace of life and some of the lowest prices anywhere in Texas.
13. Electra – 20.5% Home Price Increase Since 2009
- 2010: $64,920 (+$141, +0.22% from previous year)
- 2011: $63,599 (-$1,322, -2.04% from previous year)
- 2012: $57,278 (-$6,320, -9.94% from previous year)
- 2013: $50,399 (-$6,880, -12.01% from previous year)
- 2014: $51,104 (+$705, +1.40% from previous year)
- 2015: $51,958 (+$854, +1.67% from previous year)
- 2016: $49,160 (-$2,798, -5.39% from previous year)
- 2017: $49,773 (+$613, +1.25% from previous year)
- 2018: $54,059 (+$4,285, +8.61% from previous year)
- 2019: $58,543 (+$4,484, +8.29% from previous year)
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- 2021: $72,923
- 2022: $86,311 (+$13,388, +18.36% from previous year)
- 2023: $79,204 (-$7,107, -8.23% from previous year)
- 2024: $80,452 (+$1,248, +1.58% from previous year)
- 2025: $77,999 (-$2,453, -3.05% from previous year)
Despite several periods of decline, Electra’s average home value has risen overall by just over 20% since 2009. It peaked in 2022, dipped, and then settled just under $78,000 in 2025. This makes it one of the few towns on this list with net growth over the long term.
Electra – Bouncing Back with Modest Gains
Electra, located near the Oklahoma border in Wichita County, has ridden a rollercoaster of price changes over the years. After years of volatility, its housing market gained ground from 2018 through 2022 before seeing small corrections. The 2025 price of $77,999 still reflects a healthy long-term gain from its 2009 level of $64,779.
Known for its oil history and quaint downtown, Electra maintains a low cost of living and a strong community feel. With homes still priced well below $100,000, it remains a viable and budget-friendly market for those interested in small-town Texas living.
12. Rule – 3.7% Home Price Decline Since 2022
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- 2022: $79,380
- 2023: $81,487 (+$2,107, +2.65% from previous year)
- 2024: $78,420 (-$3,066, -3.76% from previous year)
- 2025: $76,411 (-$2,010, -2.56% from previous year)
Rule has remained relatively stable in recent years, seeing only a 3.7% decline in home values since 2022. With current values just above $76,000, this small town offers consistency and affordability without the steep drops seen elsewhere.
Rule – Quiet and Consistent in West-Central Texas
Situated in Haskell County, Rule is a small town known for its close-knit community and low cost of living. Home values peaked in 2023 before slightly declining in 2024 and 2025. The recent drops have been minor, making Rule one of the most stable markets on this list.
With no wild swings in pricing and an average home value under $77,000, Rule stands out as a steady, low-risk place to buy. It’s ideal for anyone seeking a small-town environment without unpredictable market behavior.
11. Rochester – 1.9% Home Price Decline Since 2022
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- 2022: $76,415
- 2023: $78,335 (+$1,920, +2.51% from previous year)
- 2024: $75,499 (-$2,836, -3.62% from previous year)
- 2025: $75,000 (-$499, -0.66% from previous year)
Rochester has seen very slight changes in home prices since 2022, ending with a 1.9% decrease overall. Prices remain stable around $75,000, showing limited volatility and strong affordability.
Rochester – Mild Fluctuations, Strong Affordability
Located in Haskell County, Rochester is another example of rural Texas steadiness. The town’s prices have hovered close to the $75,000 mark for three years. These mild fluctuations make it a reliable option for budget-conscious buyers.
With its quiet setting and easy access to local services, Rochester fits the mold for those looking to escape urban pressures without sacrificing basic convenience. Low property costs and low taxes make this an attractive long-term option.
10. Crosbyton – 14.8% Home Price Decline Since 2022
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- 2011: $64,297
- 2012: $63,828 (-$469, -0.73% from previous year)
- 2013: $61,842 (-$1,986, -3.11% from previous year)
- 2014: $69,401 (+$7,559, +12.22% from previous year)
- 2015: $69,420 (+$19, +0.03% from previous year)
- 2016: $67,842 (-$1,578, -2.27% from previous year)
- 2017: $69,887 (+$2,045, +3.01% from previous year)
- 2018: $76,014 (+$6,128, +8.77% from previous year)
- 2019: $85,649 (+$9,635, +12.68% from previous year)
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- 2021: $86,489
- 2022: $87,291 (+$802, +0.93% from previous year)
- 2023: $74,851 (-$12,439, -14.25% from previous year)
- 2024: $73,489 (-$1,362, -1.82% from previous year)
- 2025: $73,920 (+$431, +0.59% from previous year)
Crosbyton’s home prices dropped nearly 15% from 2022 to 2025, though the market showed signs of stability with a small increase in the latest year. The average home now costs under $74,000.
Crosbyton – Rural Roots and Recent Resilience
In Crosby County, Crosbyton combines historic charm with rural practicality. Home prices climbed steadily through 2019, dipped post-pandemic, and have been mostly declining since 2022—though 2025 brought a slight gain. The average value is now back under $74,000.
Crosbyton’s location near Lubbock adds appeal for commuters or those needing occasional city access. With essential services nearby and scenic West Texas views, it remains a highly affordable and livable small-town option.
9. Skellytown – 6.7% Home Price Decline Since 2022
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- 2022: $77,087
- 2023: $69,996 (-$7,090, -9.20% from previous year)
- 2024: $57,331 (-$12,665, -18.09% from previous year)
- 2025: $71,942 (+$14,611, +25.48% from previous year)
Skellytown’s home prices fell sharply from 2022 to 2024, then saw a substantial rebound in 2025. Despite the dramatic shifts, prices remain 6.7% lower than they were in 2022, making homes in the area still relatively cheap.
Skellytown – Big Recovery After Steep Drop
Located in Carson County in the Texas Panhandle, Skellytown is a small community originally established during the oil boom. After a dramatic fall in home values between 2022 and 2024, the 2025 figures show a strong 25% rebound, bringing the average home value back over $71,000.
While its economy is modest and largely residential, Skellytown’s affordability and proximity to Pampa and Amarillo may appeal to bargain buyers or those willing to commute. The recent price jump suggests renewed interest or limited housing supply.
8. Benavides – 26.3% Home Price Decline Since 2022
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- 2022: $97,273
- 2023: $76,841 (-$20,432, -21.00% from previous year)
- 2024: $66,335 (-$10,505, -13.67% from previous year)
- 2025: $71,635 (+$5,300, +7.99% from previous year)
Benavides experienced a dramatic 26.3% decline in home values since 2022, with most of that drop occurring in the first year. A moderate rebound in 2025 brought values back above $71,000 but still well below 2022’s level.
Benavides – Sharp Drop, Modest Recovery
Benavides, in Duval County, is a small South Texas town with deep ranching roots. Home prices crashed between 2022 and 2024, shedding over $30,000 in value before ticking up again in 2025. This recent rise suggests a possible correction after the earlier dip.
With a low population and limited local industry, Benavides is suited to buyers seeking low entry costs and quiet surroundings. Current prices make it one of the most affordable towns in South Texas with signs of modest price stabilization.
7. Rotan – 31.1% Home Price Decline Since 2022
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- 2022: $99,425
- 2023: $88,829 (-$10,596, -10.66% from previous year)
- 2024: $79,547 (-$9,282, -10.45% from previous year)
- 2025: $68,493 (-$11,055, -13.90% from previous year)
Rotan’s housing market has declined steadily over the last three years, totaling a 31.1% drop since 2022. Average prices now sit just below $69,000, a significant decrease that has made this West Texas town highly accessible.
Rotan – Consistent Decline in a Remote Region
Rotan is located in Fisher County and offers a quiet, rural lifestyle with wide-open land and low living costs. The home price trend from 2022 through 2025 is clearly downward, with no year showing a recovery yet. In 2025, values are down over $30,000 from their recent high.
This affordability could be attractive to buyers seeking land or a weekend property. However, the ongoing decline may also reflect broader economic challenges and limited job growth in the area.
6. Morton – 6.3% Home Price Decline Since 2022
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- 2022: $72,005
- 2023: $64,210 (-$7,795, -10.83% from previous year)
- 2024: $67,955 (+$3,745, +5.83% from previous year)
- 2025: $67,487 (-$468, -0.69% from previous year)
Morton’s home prices dropped sharply in 2023, bounced slightly in 2024, and dipped again in 2025. The net effect is a 6.3% decline from 2022, keeping prices just under $68,000 this year.
Morton – Volatile but Inexpensive
Morton, the seat of Cochran County near the New Mexico border, is surrounded by farmland and big skies. Like other towns in this region, Morton has seen price volatility. Still, with homes well under $70,000, affordability remains high.
Morton offers essential services, a small school district, and access to the Muleshoe National Wildlife Refuge nearby. It’s an option for buyers looking for low costs and quiet living with no urban distractions.
5. Shamrock – 16.5% Home Price Decline Since 2019
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- 2019: $80,647
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- 2021: $94,428
- 2022: $96,390 (+$1,962, +2.08% from previous year)
- 2023: $91,400 (-$4,990, -5.18% from previous year)
- 2024: $81,392 (-$10,008, -10.95% from previous year)
- 2025: $67,292 (-$14,100, -17.32% from previous year)
Shamrock home values have fallen 16.5% since 2019 and more than 30% since their recent peak in 2022. This year’s average sits at just over $67,000, marking a steep discount over previous highs.
Shamrock – A Historic Route 66 Stop with Plunging Prices
Located in Wheeler County along the famous Route 66, Shamrock is known for its Art Deco gas station and annual St. Patrick’s Day celebration. But over the past two years, home prices have declined rapidly. From $96,390 in 2022, values dropped to $67,292 by 2025.
While the drop may deter some investors, buyers in search of historic charm and extreme affordability might find Shamrock an intriguing opportunity. The town’s location near I-40 also makes it a quiet but accessible stop for long-distance travelers and future residents alike.
4. Paducah – 24.7% Home Price Decline Since 2022
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- 2022: $89,156
- 2023: $81,644 (-$7,512, -8.43% from previous year)
- 2024: $74,494 (-$7,150, -8.76% from previous year)
- 2025: $67,158 (-$7,336, -9.85% from previous year)
Paducah has experienced a continuous and steep three-year decline in housing prices, falling by nearly 25% since 2022. The average home value now sits just above $67,000, with no sign yet of market recovery.
Paducah – Declining Prices in the Texas Rolling Plains
Paducah is the seat of Cottle County in the Texas Rolling Plains region. Known for its proximity to outdoor recreational spots like the Matador Wildlife Management Area, the town’s housing market has not kept pace with larger regional growth. Since 2022, home prices have decreased sharply each year.
This consistent drop places Paducah among the most affordable towns in the state. While the downturn may reflect local economic challenges, it also creates entry opportunities for cash buyers, remote workers, or those seeking inexpensive property in a quiet part of rural Texas.
3. Falfurrias – 14.6% Home Price Decline Since 2022
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- 2022: $77,227
- 2023: $62,817 (-$14,410, -18.66% from previous year)
- 2024: $60,943 (-$1,874, -2.98% from previous year)
- 2025: $65,904 (+$4,961, +8.14% from previous year)
Falfurrias saw a sharp drop in prices from 2022 to 2023, followed by smaller adjustments and a moderate rebound in 2025. Overall, prices are still down 14.6% from 2022 levels, with the average home now priced just under $66,000.
Falfurrias – South Texas Affordability With a Price Uptick
Located in Brooks County along U.S. Route 281, Falfurrias is a small South Texas community known for its border patrol station and historical citrus industry. After a major dip in 2023, prices have started to climb again. The town’s 2025 average of $65,904 is still well below its 2022 peak.
Falfurrias may appeal to those looking for low-cost housing with access to larger border markets like McAllen and Laredo. The rebound in 2025 suggests buyer interest could be returning at these ultra-affordable price points.
2. Memphis – 24.7% Home Price Decline Since 2022
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- 2022: $84,090
- 2023: $79,831 (-$4,259, -5.07% from previous year)
- 2024: $68,503 (-$11,328, -14.19% from previous year)
- 2025: $63,332 (-$5,171, -7.55% from previous year)
Memphis has seen a 24.7% drop in average home values since 2022, with prices sliding each year. The current average sits at just over $63,000, placing it near the bottom in terms of affordability across the state.
Memphis – Deep Discounts in the Texas Panhandle
Memphis is the seat of Hall County in the eastern Panhandle region. Its housing market has declined steadily since 2022, with each year bringing a new low. Now under $65,000, home prices here reflect the town’s remote location and limited economic growth.
Still, Memphis offers basic amenities and quiet living surrounded by farmland and open sky. For budget-focused buyers who aren’t tied to job markets, the town’s deeply discounted prices present a rare level of affordability.
1. Whiteface – 37.7% Home Price Decline Since 2022
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- 2022: $94,422
- 2023: $77,465 (-$16,957, -17.96% from previous year)
- 2024: $70,964 (-$6,501, -8.39% from previous year)
- 2025: $58,890 (-$12,074, -17.01% from previous year)
Whiteface ranks as the most affordable town on the list with a staggering 37.7% drop in home prices since 2022. The 2025 average home price is under $59,000, making it the cheapest market we analyzed in this roundup.
Whiteface – Lowest Prices in Texas, Big Declines
Located in Cochran County near the New Mexico state line, Whiteface is a quiet community that has seen steep home price declines. From a high of $94,422 in 2022, prices dropped by over $35,000, reflecting more than just market correction—it’s a full reset.
Though small and remote, Whiteface still offers access to schools and open land. For those prioritizing low cost above all, this town tops the list with the most affordable real estate in Texas this year.
