Retiring in Texas doesn’t have to mean stretching your savings thin. Many small towns across the state offer affordable housing, a lower cost of living, and tight-knit communities.
These towns provide retirees with the opportunity to live comfortably on Social Security alone, without sacrificing quality of life. Here are 10 of the best Texas towns for retirees looking to keep costs low while enjoying their golden years.
1. Burkburnett
Burkburnett is located on the Texas-Oklahoma border and offers a cost of living that’s 8% below the national average. The median home price is around $172,800, while the average rent is about $950 per month. The town features outdoor recreation opportunities, parks, and a quiet atmosphere. Grocery prices and transportation costs are also lower than average, making it a perfect choice for budget-conscious retirees.
2. Seymour
Seymour is a small town where the median home price is approximately $89,000, making it an affordable place to live. The town offers a relaxed lifestyle with museums, city parks, and plenty of recreational options. The low housing costs in Seymour provide retirees the chance to live comfortably on Social Security.
3. Kermit
Kermit’s median home price is about $249,800. Known for its laid-back atmosphere, this town offers retirees a range of amenities, including golf courses, senior programs, and proximity to the Monahans Sandhills State Park. The cost of living in Kermit is low, making it an appealing place for those looking for an affordable retirement destination.
4. Hawkins
With a median home price of around $249,900, Hawkins is located near Lake Hawkins, offering access to a variety of outdoor activities. The town has a senior community center and a peaceful, small-town feel. Hawkins is perfect for retirees who enjoy a slower pace of life and access to nature.
5. Woodville
Woodville is a modest town with a median home price of approximately $175,900. It offers family-friendly activities, museums, and convenient access to highways, which is great for retirees who may need to travel for healthcare or leisure. The community is welcoming, making it an ideal place for retirees to feel at home.
6. Canyon
Canyon offers a cost of living 14% below the national average. The median rent in this town is about $1,200 per month. Retirees in Canyon enjoy access to healthcare, parks, and a slower pace of life. The town’s affordability and amenities make it a smart choice for those looking to retire without overspending.
7. McAllen
McAllen boasts a cost of living that is 21% below the national average. The median home value is around $216,800, and the median rent is about $1,300 per month. Known for its warm climate, diverse food scene, and numerous parks, McAllen is one of the most affordable places to retire in Texas, making it a top choice for retirees.
8. Henderson
Henderson’s cost of living is 8% lower than the national average, and the median rent is around $895 per month. This town is ideal for retirees who enjoy outdoor recreation, especially at Martin Creek Lake State Park. Henderson also offers a variety of community events, making it a charming and affordable place to retire.
9. Galveston
Located along the coast, Galveston offers beach access, historic charm, and a cost of living 8% below the national average. The median rent is approximately $946 per month. The town’s combination of affordable living and coastal lifestyle makes it an attractive option for retirees looking for a vibrant community and scenic views.
10. Lufkin
With a median home value of around $184,300 and median rent of $1,192 per month, Lufkin is a lakeside town surrounded by national forests. The town offers a variety of cultural attractions, making it an active place for retirees to enjoy outdoor activities and community events. Lufkin’s affordable living makes it a great choice for those wanting a low-cost retirement.
These 10 towns in Texas demonstrate that retiring on a budget is possible. With lower housing costs, a reduced cost of living, and welcoming communities, retirees can enjoy a fulfilling life without the need for a large nest egg. Whether you’re looking for a quiet retreat or a more active lifestyle, Texas offers plenty of options for affordable retirement living.
| Town | Median Home Price | Median Rent | Cost of Living vs. National Avg. | Notable Features |
|---|---|---|---|---|
| Burkburnett | $172,800 | $950 | 8% lower | Outdoor recreation, low housing costs |
| Seymour | $89,000 | — | — | Museums, parks, tranquil living |
| Kermit | $249,800 | — | — | Golf, senior programs, relaxed vibe |
| Hawkins | $249,900 | — | — | Lake access, senior center |
| Woodville | $175,900 | — | — | Family-friendly, museums, highways |
| Canyon | — | $1,200 | 14% lower | Healthcare, parks, small-town feel |
| McAllen | $216,800 | $1,300 | 21% lower | Warm climate, parks, diverse food |
| Henderson | — | $895 | 8% lower | Lake recreation, events |
| Galveston | — | $946 | 8% lower | Beaches, historic charm |
| Lufkin | $184,300 | $1,192 | — | Lakeside, forests, cultural sites |
Sources
[1] https://www.moneydigest.com/1848617/retirees-can-live-on-social-security-alone-small-texas-town-burkburnett/
[2] https://www.moneydigest.com/1809698/american-cities-live-on-just-social-security/
[3] https://www.worldatlas.com/cities/9-most-affordable-towns-to-retire-in-texas-2025.html
[4] https://www.spyglassrealty.com/blog/best-place-to-retire-in-texas-on-a-budget.html
[5] https://retirable.com/advice/lifestyle/ten-best-cities-to-retire-in-texas
