Looking to buy a home in Texas without breaking the bank? Based on the latest data from the Zillow Home Value Index, we’ve identified the 15 most affordable towns in Texas as of 2025. These places offer some of the lowest median home prices in the state, making them worth a look for budget-conscious buyers.
Some of these towns have seen price stagnation or even declines in recent years, while others have shown modest rebounds. Many are rural communities where the cost of living is well below the state average. Whether you’re looking for a quiet place to retire, invest, or just escape high housing costs, this list gives you a detailed breakdown of what’s happening in each town — from home value trends to location and historical context.
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 has seen its home prices drop by over 19% since 2016, despite a brief recovery in 2021. The current median sits just under $80,000. This pattern of decline followed by a mild uptick suggests a potentially stabilizing market for first-time buyers or investors looking for a low entry point.
Floydada – Affordability in the South Plains
Located in the South Plains region northeast of Lubbock, Floydada is a small agricultural town known for its pumpkin farms and friendly, close-knit community. Its relatively low housing costs are reflective of the broader economic shift away from rural population centers. However, the town maintains steady appeal due to its small-town charm and access to basic amenities like schools and medical care.
Recent declines in home values might concern some, but they could also represent opportunity. With infrastructure already in place and prices beginning to level off, Floydada could be one of the better long-term bets in rural Texas real estate.
14. Crowell – 39.3% Home Price Decline Since 2022
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- 2022: $130,454
- 2023: $80,542 ($-49,912, -38.26% from previous year)
- 2024: $78,825 ($-1,717, -2.13% from previous year)
- 2025: $79,193 (+$368, +0.47% from previous year)
Crowell has experienced a sharp decline in home values since 2022, with a staggering drop of nearly 40%. While 2025 shows the beginnings of recovery, the prices remain among the lowest in the state.
Crowell – Market Drop in North Texas
Crowell, the seat of Foard County, lies in North Texas and is steeped in ranching tradition. With a population of just over 800, the town has been hit by rural depopulation trends, which may help explain the steep drop in home values.
Still, the town benefits from a peaceful environment and a historically low cost of living. Crowell may appeal to buyers who are undeterred by volatility and see potential in long-term affordability.
13. Electra – 3.3% Home Price Increase Since 2024
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- 2024: $75,532
- 2025: $77,999 (+$2,467, +3.27% from previous year)
Electra saw a modest rise in home values in 2025, climbing just over 3% from the previous year. While not dramatic, this could be a sign of stabilization in a town where prices have remained low.
Electra – Oil Town with Small Gains
Once a bustling hub of Texas’ oil boom, Electra has become a quieter, low-cost place to live. Located west of Wichita Falls, it still bears signs of its industrial heritage, with remnants of pump jacks and derricks dotting the landscape.
Today, Electra offers extremely affordable real estate and a slow pace of life. It’s well suited for those looking to settle in a town with a distinct history and minimal cost of living. The small gain in home values may reflect renewed interest or modest local improvements.
12. Rule – 0.00% Home Price Change Since 2024
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- 2024: $76,411
- 2025: $76,411 (+$0, +0.00% from previous year)
Rule’s housing market has stayed flat in 2025, with no year-over-year change in median prices. At $76,411, the town remains affordable and stable.
Rule – Stability in West-Central Texas
Rule sits in Haskell County and offers a consistent, quiet rural lifestyle. The town benefits from its location along U.S. Route 380, providing connectivity to larger hubs.
While home prices haven’t moved, that consistency may appeal to retirees or anyone seeking predictable costs. The town’s low median price and slow-paced development make it one of the steadier markets on this list.
11. Rochester – 0.00% Home Price Change Since 2024
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- 2024: $75,000
- 2025: $75,000 (+$0, +0.00% from previous year)
Home prices in Rochester have remained completely unchanged in 2025, staying fixed at $75,000. This kind of price flatlining is a clear marker of market stagnation but also long-term affordability.
Rochester – Remote and Steady
Rochester is another Haskell County town, known for its peaceful rural setting and sparse population. Its small size means limited services, but also very low costs.
The consistent price could reflect minimal housing demand or lack of new development. While that might concern some buyers, others may find comfort in Rochester’s predictable and extremely low-priced market.
10. Crosbyton – 24.1% Home Price Decline Since 2022
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- 2022: $97,395
- 2023: $74,977 ($-22,418, -23.02% from previous year)
- 2024: $77,302 (+$2,325, +3.10% from previous year)
- 2025: $73,920 ($-3,382, -4.37% from previous year)
Crosbyton has experienced a substantial home price decline of just over 24% since 2022. After a sharp drop in 2023 and a brief recovery in 2024, prices dipped again in 2025. This downward trend has made Crosbyton one of the more affordable options in the state.
Crosbyton – Rising and Falling on the South Plains
Crosbyton is situated east of Lubbock and serves as the county seat of Crosby County. It’s part of the agricultural South Plains region, where crop production remains a key industry. The town is known for its historic downtown and the Mount Blanco Fossil Museum.
Despite its economic roots, Crosbyton has struggled with housing demand in recent years. The volatility in home prices might reflect uncertainty in the local economy, but the low median home price continues to attract buyers looking for significant value.
9. Skellytown – 0.00% Home Price Change Since 2024
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- 2024: $71,942
- 2025: $71,942 (+$0, +0.00% from previous year)
Skellytown’s home prices remained completely flat in 2025. With no year-over-year change, the town maintains a relatively low median price under $72,000.
Skellytown – Quiet Panhandle Affordability
Located in Carson County in the Texas Panhandle, Skellytown is a small community that once thrived during the oil boom. Today, it’s a quiet town with a small population and minimal housing turnover.
The stagnant price may reflect limited housing stock or demand, but for buyers seeking consistency and affordability, Skellytown still offers good value compared to more dynamic housing markets.
8. Benavides – 0.00% Home Price Change Since 2024
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- 2024: $71,635
- 2025: $71,635 (+$0, +0.00% from previous year)
Benavides’ housing prices didn’t budge in 2025, holding steady at $71,635. This follows a broader pattern of price stagnation seen in other small Texas towns this year.
Benavides – Steady Prices in South Texas
Benavides is a small town in Duval County, located in the brush country of South Texas. With fewer than 1,500 residents, it serves primarily as a residential community for nearby oil and gas workers.
While housing demand remains limited, the town’s affordability is unmatched. The unchanged home value may reflect local economic conditions, but the low price point is appealing for buyers willing to trade metropolitan amenities for a rural lifestyle.
7. Rotan – 0.00% Home Price Change Since 2024
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- 2024: $68,493
- 2025: $68,493 (+$0, +0.00% from previous year)
Rotan’s real estate market has been flat, with no price movement in 2025. The median price remains under $69,000, reflecting a stable if quiet housing scene.
Rotan – Stillness in Fisher County
Rotan, located in Fisher County, is nestled along the Clear Fork of the Brazos River in West-Central Texas. Historically tied to ranching and agriculture, the town has seen little economic change in recent years.
That same stability extends to the housing market, where prices have stayed fixed. For buyers prioritizing affordability and peace over market growth, Rotan stands out as a low-cost option.
6. Morton – 0.00% Home Price Change Since 2024
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- 2024: $67,487
- 2025: $67,487 (+$0, +0.00% from previous year)
Morton, like many other rural Texas towns, saw no change in home values in 2025. With a current median of $67,487, it remains one of the most affordable places to buy in the state.
Morton – Consistent Prices Near the New Mexico Border
Located just east of the New Mexico state line in Cochran County, Morton is a hub for cotton farming. Its proximity to Lubbock provides some access to urban amenities while maintaining its rural charm and low housing costs.
The town has not seen significant development, and the housing market reflects that stability. For those drawn to wide-open spaces and small-town life, Morton is a solid low-cost option.
5. Shamrock – 0.00% Home Price Change Since 2024
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- 2024: $67,292
- 2025: $67,292 (+$0, +0.00% from previous year)
Shamrock’s home prices have remained unchanged going into 2025, with the median holding firm at $67,292. This level price point adds to its appeal as one of the state’s most affordable places to live.
Shamrock – Historic Route 66 Roots
Located in Wheeler County in the Texas Panhandle, Shamrock is best known for its Route 66 heritage and the iconic Tower Station and U-Drop Inn Café. The town embraces its classic Americana charm and is home to an annual St. Patrick’s Day festival that brings in visitors from across the state.
Despite the tourism draw, the housing market remains quiet. The stagnant prices suggest limited buyer activity, but for anyone looking to own a home in a historically rich town, Shamrock is a budget-friendly option.
4. Paducah – 0.00% Home Price Change Since 2024
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- 2024: $67,158
- 2025: $67,158 (+$0, +0.00% from previous year)
Paducah saw no change in home prices between 2024 and 2025. Prices held steady at $67,158, reinforcing its status as one of Texas’s most affordable housing markets.
Paducah – Quiet County Seat with Historic Ties
Paducah is the county seat of Cottle County in northwest Texas. Known for its wide streets and historic courthouse square, the town blends rural Texas charm with a quiet way of life.
With limited development and modest economic activity, housing prices have remained firmly grounded. Its affordability and low population density make it attractive for anyone looking to downsize or relocate to a slower-paced setting.
3. Falfurrias – 26.3% Home Price Decline Since 2022
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- 2022: $89,395
- 2023: $62,388 ($-27,007, -30.21% from previous year)
- 2024: $65,904 (+$3,516, +5.64% from previous year)
- 2025: $65,904 (+$0, +0.00% from previous year)
Falfurrias has seen a steep 26% decline in home values since 2022. While there was a slight rebound in 2024, prices held flat into 2025 at $65,904.
Falfurrias – Borderland Affordability
Located in Brooks County in South Texas, Falfurrias serves as a regional trade and agricultural center. It’s just over an hour from Corpus Christi and features a small-town atmosphere with deep cultural roots.
The volatility in home values is noteworthy, with a large dip in 2023 and minimal movement since. While it raises concerns about stability, the current affordability level makes it an option for those looking for a bargain in a region near the U.S.-Mexico border.
2. Memphis – 0.00% Home Price Change Since 2024
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- 2024: $63,332
- 2025: $63,332 (+$0, +0.00% from previous year)
Memphis home prices haven’t moved between 2024 and 2025. The median home value remains at $63,332, making it one of the lowest-cost towns in Texas.
Memphis – Low-Cost Living in Hall County
Memphis, Texas, lies in Hall County and once served as a thriving agricultural hub. Today, it offers a quiet lifestyle, historical architecture, and a tight-knit community.
With little new construction or buyer movement, prices have stayed steady. That said, affordability remains a major selling point, especially for those seeking a small-town life with minimal housing expenses.
1. Whiteface – 0.00% Home Price Change Since 2024
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- 2024: $58,890
- 2025: $58,890 (+$0, +0.00% from previous year)
Whiteface claims the top spot as the most affordable town on our list. Home prices haven’t changed at all since 2024, holding at a strikingly low $58,890.
Whiteface – The Cheapest Market in Texas
Whiteface, a small town in Cochran County, is located southwest of Lubbock. The town was named for the Whiteface cattle breed once raised in the area and is primarily agricultural in character.
It’s the least expensive housing market on this list and among the lowest in the entire state. The stagnant price suggests limited economic or population growth, but for bargain hunters, it’s hard to find a better deal.
