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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Texas residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Texas, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Atascocita, Texas
- Payment to income ratio: 21.5%
- Median sale price: $320,742
- Median household income: $114,443
- Income needed to buy: $81,906
- Median monthly mortgage payment: $2,048
- See homes for sale in Atascocita on

#2. Spring, Texas
- Payment to income ratio: 22.2%
- Median sale price: $251,291
- Median household income: $86,888
- Income needed to buy: $64,170
- Median monthly mortgage payment: $1,604
- See homes for sale in Spring on

#3. Leander, Texas
- Payment to income ratio: 23.2%
- Median sale price: $424,857
- Median household income: $140,180
- Income needed to buy: $108,493
- Median monthly mortgage payment: $2,712
- See homes for sale in Leander on

#4. League City, Texas
- Payment to income ratio: 25.0%
- Median sale price: $391,322
- Median household income: $119,870
- Income needed to buy: $99,929
- Median monthly mortgage payment: $2,498
- See homes for sale in League City on

#5. Pearland, Texas
- Payment to income ratio: 25.8%
- Median sale price: $378,573
- Median household income: $112,470
- Income needed to buy: $96,673
- Median monthly mortgage payment: $2,417
- See homes for sale in Pearland on

#6. Rowlett, Texas
- Payment to income ratio: 26.0%
- Median sale price: $385,935
- Median household income: $113,600
- Income needed to buy: $98,553
- Median monthly mortgage payment: $2,464
- See homes for sale in Rowlett on

#7. Pflugerville, Texas
- Payment to income ratio: 26.7%
- Median sale price: $393,025
- Median household income: $112,656
- Income needed to buy: $100,364
- Median monthly mortgage payment: $2,509
- See homes for sale in Pflugerville on

#8. Sugar Land, Texas
- Payment to income ratio: 26.8%
- Median sale price: $480,193
- Median household income: $137,511
- Income needed to buy: $122,623
- Median monthly mortgage payment: $3,066
- See homes for sale in Sugar Land on

#9. Wylie, Texas
- Payment to income ratio: 28.7%
- Median sale price: $425,307
- Median household income: $113,661
- Income needed to buy: $108,608
- Median monthly mortgage payment: $2,715
- See homes for sale in Wylie on

#10. New Braunfels, Texas
- Payment to income ratio: 29.2%
- Median sale price: $336,371
- Median household income: $88,257
- Income needed to buy: $85,897
- Median monthly mortgage payment: $2,147
- See homes for sale in New Braunfels on

#11. Missouri City, Texas
- Payment to income ratio: 30.3%
- Median sale price: $383,120
- Median household income: $96,746
- Income needed to buy: $97,835
- Median monthly mortgage payment: $2,446
- See homes for sale in Missouri City on

#12. Flower Mound, Texas
- Payment to income ratio: 31.0%
- Median sale price: $637,607
- Median household income: $157,737
- Income needed to buy: $162,821
- Median monthly mortgage payment: $4,071
- See homes for sale in Flower Mound on

#13. Mansfield, Texas
- Payment to income ratio: 31.4%
- Median sale price: $478,323
- Median household income: $116,590
- Income needed to buy: $122,146
- Median monthly mortgage payment: $3,054
- See homes for sale in Mansfield on

#14. Mesquite, Texas
- Payment to income ratio: 31.5%
- Median sale price: $295,392
- Median household income: $71,843
- Income needed to buy: $75,432
- Median monthly mortgage payment: $1,886
- See homes for sale in Mesquite on

#15. North Richland Hills, Texas
- Payment to income ratio: 31.6%
- Median sale price: $385,220
- Median household income: $93,434
- Income needed to buy: $98,371
- Median monthly mortgage payment: $2,459
- See homes for sale in North Richland Hills on

#16. Conroe, Texas
- Payment to income ratio: 31.6%
- Median sale price: $310,373
- Median household income: $75,245
- Income needed to buy: $79,258
- Median monthly mortgage payment: $1,981
- See homes for sale in Conroe on

#17. Allen, Texas
- Payment to income ratio: 31.6%
- Median sale price: $533,220
- Median household income: $129,130
- Income needed to buy: $136,165
- Median monthly mortgage payment: $3,404
- See homes for sale in Allen on

#18. Garland, Texas
- Payment to income ratio: 31.8%
- Median sale price: $310,538
- Median household income: $74,717
- Income needed to buy: $79,300
- Median monthly mortgage payment: $1,982
- See homes for sale in Garland on

#19. Cedar Park, Texas
- Payment to income ratio: 32.0%
- Median sale price: $517,365
- Median household income: $123,972
- Income needed to buy: $132,116
- Median monthly mortgage payment: $3,303
- See homes for sale in Cedar Park on

#20. Round Rock, Texas
- Payment to income ratio: 33.0%
- Median sale price: $418,549
- Median household income: $97,187
- Income needed to buy: $106,882
- Median monthly mortgage payment: $2,672
- See homes for sale in Round Rock on