10 Texas Cities Where Retirees Can Live Well on a Budget in 2026

Retiring in Texas can mean stretching your savings without sacrificing comfort. Thanks to low housing costs, a warm climate and no state income tax, Texas consistently ranks among the most affordable states for retirees. A recent U.S. News analysis of 859 cities found the 25 top affordable retirement destinations for 2026 –and 10 of them are in Texas.

These cities combine budget-friendly living with quality amenities, making them ideal for retirees who want financial peace of mind and a vibrant lifestyle. Here are the best Texas cities for retirees who want a high quality of life on a budget.

• Population: 28,930
• Median home value: $185,037
• Median monthly rent: $632
• Median household income: $58,119

• Population: 72,756
• Median home value: $155,614
• Median monthly rent: $695
• Median household income: $56,134

• Population: 91,448
• Median home value: $185,399
• Median monthly rent: $777
• Median household income: $63,734

• Population: 185,547
• Median home value: $152,319
• Median monthly rent: $695
• Median household income: $51,636

• Population: 259,807
• Median home value: $205,335
• Median monthly rent: $790
• Median household income: $64,712

• Population: 102,994
• Median home value: $170,047
• Median monthly rent: $782
• Median household income: $60,545

• Population: 82,750
• Median home value: $137,982
• Median monthly rent: $802
• Median household income: $52,517

• Population: 145,810
• Median home value: $191,706
• Median monthly rent: $834
• Median household income: $62,055

• Population: 107,879
• Median home value: $188,770
• Median monthly rent: $795
• Median household income: $59,162

• Population: 65,116
• Median home value: $200,084
• Median monthly rent: $968
• Median household income: $69,354

Editor’s note: Data was sourced from U.S. News and is accurate as of Nov. 28, 2025.