For many people living on Social Security, making ends meet can be a challenge. However, in some places, the cost of living is low enough to make it feasible to live comfortably on Social Security alone.
Texas, with its vast landscapes and diverse cities, offers several affordable options where residents can stretch their Social Security income.
Whether you’re a retiree looking for a peaceful lifestyle or just seeking to cut costs, here are 15 Texas cities where you can live solely on Social Security.
1. Brownsville
Located near the southern tip of Texas, Brownsville offers a low cost of living with affordable housing and groceries. With an average rent of around $750 per month for a one-bedroom apartment, it’s one of the most budget-friendly cities in the state. Brownsville’s warm climate and rich cultural heritage make it an attractive option for retirees looking to live on a fixed income.
2. Harlingen
Harlingen consistently ranks as one of the most affordable cities in Texas. The cost of living is well below the national average, and housing is particularly cheap, with the median rent for a one-bedroom apartment hovering around $600. Retirees and those living on Social Security can enjoy a comfortable lifestyle here without worrying about stretching their budget.
3. McAllen
McAllen, located in the Rio Grande Valley, is another Texas city known for its affordability. The cost of living is well below the national average, with rent prices for one-bedroom apartments averaging $800 per month. With low taxes, plenty of amenities, and a pleasant climate, McAllen is an excellent option for those looking to live on Social Security.
4. Lubbock
In the heart of West Texas, Lubbock offers a mix of urban and rural living at an affordable price. Housing costs are extremely low, with one-bedroom apartments available for under $700 per month. The city has a strong sense of community and offers several affordable recreational activities, making it an ideal place for seniors on a fixed income.
5. Abilene
Abilene is known for its low cost of living, which makes it a great place to live on Social Security. Rent for one-bedroom apartments in Abilene typically costs between $600 and $800. This charming city in central Texas is also known for its friendly atmosphere and relatively low crime rates, making it a popular choice for retirees.
6. Wichita Falls
With a cost of living that is well below the national average, Wichita Falls offers affordable housing, utilities, and groceries. The average rent for a one-bedroom apartment is around $700, making it a manageable place to live on Social Security. The city also provides plenty of green spaces and parks, offering a relaxed and peaceful environment.
7. Tyler
Known as the “Rose Capital of the World,” Tyler is a charming city in East Texas with affordable living options. The cost of living here is significantly lower than in major metropolitan areas, and one-bedroom apartments typically cost around $750 to $850. Tyler offers a pleasant climate, a slower pace of life, and a variety of local amenities for those living on Social Security.
8. Longview
Just two hours east of Dallas, Longview offers a small-town atmosphere with all the benefits of affordable living. Rent for one-bedroom apartments typically falls in the $700–$800 range. Longview also has a rich history and a variety of parks and recreational activities, making it a great choice for retirees looking to stay active without spending a lot of money.
9. San Angelo
Located in central Texas, San Angelo is known for its affordable housing market, with one-bedroom apartments renting for as little as $700 per month. With a cost of living well below the national average, San Angelo offers seniors a peaceful place to retire while staying within their Social Security budget. The city is also known for its art community, outdoor activities, and low crime rates.
10. Killeen
Killeen is a fast-growing city near Fort Hood with affordable living options. The average rent for a one-bedroom apartment is about $750, and the overall cost of living is very reasonable. Killeen is home to several military families, which gives the city a vibrant and diverse community. For retirees and others living on Social Security, Killeen offers a great balance of affordability and amenities.
11. Odessa
In West Texas, Odessa offers a reasonable cost of living, making it a great city to live on Social Security. Housing is particularly affordable, with one-bedroom apartments available for around $700 per month. The city also boasts a strong job market and several recreational opportunities, including golf courses, parks, and museums.
12. Amarillo
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Known for its iconic Route 66 landmarks, Amarillo offers one of the most affordable living options in Texas. Rent for a one-bedroom apartment typically costs under $700, and grocery prices are also lower than the national average. Amarillo’s welcoming atmosphere and low crime rate make it an excellent choice for retirees.
13. Temple
Located near the center of the state, Temple offers affordable housing options with one-bedroom apartments available for less than $800. The city’s proximity to major hospitals and healthcare services is a big plus for retirees, and its reasonable cost of living makes it possible to live comfortably on Social Security.
14. Ennis
A small but charming city just south of Dallas, Ennis is known for its friendly community and affordable living costs. Rent prices for one-bedroom apartments are generally under $750, and the overall cost of living remains low. Ennis is perfect for those seeking a slower-paced lifestyle in a close-knit town.
15. Corsicana
Located about an hour south of Dallas, Corsicana is an affordable city with a low cost of living. One-bedroom apartments typically rent for less than $700, and grocery and utility costs are also budget-friendly. Known for its rich history and small-town charm, Corsicana is a great choice for those living on a fixed income.
Conclusion
Texas offers a wide variety of cities where you can live comfortably on Social Security. From small towns with charming atmospheres to more urban areas with a wide range of amenities, these 15 Texas cities provide affordable housing, low utility costs, and a slower pace of life that makes them ideal for seniors or anyone living on a fixed income.
With careful budgeting and the right location, living on Social Security in Texas is entirely possible—and can even be enjoyable.