Many of the most affordable places to live in Texas are suburbs of exciting cities, like Pearland near Houston.

Texas stands out as an appealing retirement destination for many reasons, from a low cost of living and no state income tax to high-quality healthcare and vast, varied regions. The Lone Star State is also home to many of the country’s most affordable places to live.

When searching for homes for sale in Texas, active adult homebuyers often find that their dollars stretch further than in other states. Whether active adults want to live near family and friends in the city or they desire the natural beauty of rural Texas, they can explore abundant affordable housing options all over the state.

According to Livability, the five most affordable cities in Texas are Odessa, Lewisville, Cedar Park, Pearland, and Frisco. Take a look at these affordable cities in Texas below, and see where you might be able to discover your dream home in a 55+ community nearby.

1. Odessa

This city in West Texas is a draw for active adult homebuyers looking for affordable homes for sale in Texas. The median home price here hovers just above $103,000. Odessa residents can take advantage of modern amenities but still enjoy the city’s cowboy culture.

One of the city’s premier events is the Sandhills Stock Show and Rodeo, which features plenty of live music in addition to a competitive horse show, and a livestock show and rodeo. Odessa doesn't have any active adult communities, but retirees should know their dollar goes far here.

2. Lewisville

Lewisville, a suburb of Dallas-Fort Worth, offers plenty of Texas homes for sale at affordable price points. The median home price stands at about $153,000, allowing active adults to live in a major metropolitan area without the high price tag that sometimes comes with it. Residents can enjoy many activities and events within their own community, whether they visit a museum or library or browse old town Lewisville, the city’s revitalized downtown district.

3. Cedar Park

Only 15 miles from Downtown Austin, Cedar Park ranks as the third-most affordable place to live in Texas. Those who live in this vibrant suburb in the Texas Hill Country can take advantage of many attractions, including enjoying concerts at the Cedar Park Center, shopping at 1890 Ranch, or touring the Cedar Park Sculpture Garden.

Nearby 55+ Community

Heritage at Vizcaya

Just 11 miles outside of Cedar Park, active adult homebuyers can explore a variety of homes in Heritage at Vizcaya. This 55+ community in Round Rock is part of the master-planned community of Vizcaya that will contain 1,200 homes upon completion.

Heritage at Vizcaya offers more than 20 models designed for the active adult lifestyle. The community also offers many resort-style amenities, including a 6,500 square-foot clubhouse, an outdoor pool and patio, and tennis, pickleball, and bocce courts.

Learn more information about Heritage at Vizcaya here.

4. Pearland

Only 20 minutes from Downtown Houston, Pearland rises as one of the Lone Star State’s most affordable places to live. The city offers easy access to events and activities in Houston, and also boasts its own lineup of events, including Concerts in the Park, Pearland Opry on the Square, and Paws in the Park.

Nearby 55+ Community


Situated just south of Beltway 8 in Pearland, CountryPlace offers homes for sale starting in the mid $100s. Built between 1981 and 2000, this active adult community contains 841 single-family homes and townhomes that allow for low-maintenance living. Homeowners can participate in many groups and events, including travel club, yoga, discussion groups, and tennis.

Learn more information about CountryPlace here.

5. Frisco

Frisco offers active adults an affordable way of life and easy access to all the offerings of Dallas. Living in Frisco allows residents to explore their passion for sports, outdoor recreation, and more. Frisco is home to sports venues such as Toyota Stadium and Dr. Pepper Ballpark and also contains more than 90 miles of trails.

Nearby 55+ Community

Frisco Lakes

Only 30 miles north of Dallas, active adult homebuyers can explore a variety of new and resale homes for sale within Frisco Lakes. This 55+ community will contain nearly 3,000 single-family homes upon completion. Residents can pursue an active lifestyle, whether they enjoy wine tasting, history discussions, or arts and crafts. An activities director ensures homeowners can explore a diverse line-up of classes, events, and activities.

Frisco Lakes amenities include a 28,000-square-foot Village Center and Sports Complex, a state-of-the-art fitness center, and an indoor lap pool and spa. The community also contains four tennis courts and four bocce courts along with miles of walking and biking trails.

Learn more information about Frisco Lakes here.