View of the clubhouse at Windsor Lakes in The Woodlands, TX overlooking the circular drive.

Texas is known for offering affordable living on the Southern Coast. 

There are many reasons to retire in Texas, including a low cost of living. No state income tax allows your money to go further here, and housing costs in Texas are much lower than on the West Coast and East Coast. If you’re looking for Texas homes for sale and you want to stay within a reasonable budget, you have plenty of options. Many 55+ communities offer single-family homes for sale in the $100Ks—and several feature homes for sale below $100K.

Read on to explore some of the most affordable retirement communities in Texas right now.

Alamo Country ClubAlamo

Below $100K – High $100s

Alamo Country Club is nestled in the heart of the Rio Grande Valley, just minutes from the Mexico border and one hour from South Padre Island. This established 55+ community features Texas homes for sale that start below $100K. Residences are designed with active adults in mind, featuring open floor plans, and at least two bedrooms. Residents pay a homeowners’ association fee that covers a secured entrance, golf, and upkeep of community grounds and amenities.

Amenities in this affordable retirement community include a nine-hole golf course, two tennis courts, an outdoor pool and whirlpool spa, and seven shuffleboard courts. Homeowners can also enjoy the pleasant South Texas climate along a network of walking trails.

Request more information about Alamo Country Club here

Sunshine Country Club EstatesHarlingen

Below $100K – High $100s

Water feature at Sunshine Country Club Estates overlooking open space with palm trees.

Sunshine Country Club Estates is an ideal option for snowbirds.

Set on 57 acres of lush grounds, Sunshine Country Club Estates in Harlingen is another one of the most affordable retirement communities in Texas. This gated 55+ community features Texas homes for sale that were built between 1981 and 2000. Residences range from 560 to 1,549 square feet. You can choose from custom brick and conventional site-built homes in addition to manufactured homes.

Homeowners enjoy numerous amenities, including a clubhouse, an outdoor pool and whirlpool spa, a well-equipped fitness center, and a nine-hole golf course. This community also contains a woodworking shop, courts for tennis and pickleball, an RV storage area, and boat parking.

Request more information about Sunshine Country Club Estates here

Siesta Retirement VillageWeslaco

Below $100K – Below $100K

Located just a few minutes from the Mexico border, Siesta Retirement Village offers some of the most affordable homes for sale in Texas. The community is owned and operated by resident shareholders. Most residences range from 1,100 to 1,700 square feet, and many include outdoor sheds and porches.

Siesta Retirement Village offers a rich variety of activities for residents to take advantage of, including bridge games, jam sessions, and potluck dinners. This 55+ community offers many amenities, including an exercise center, a woodworking shop, a well-stocked library, and a heated outdoor saltwater pool and hot tub.

Request more information about Siesta Retirement Village here

Regency at EsperanzaBoerne

Prices available from agent

Regency at Esperanza is slated to contain 500 single-family homes upon completion. This enclave of new homes is situated inside the master-planned Esperanza community in Boerne. Residents can enjoy a low-maintenance lifestyle thanks to a homeowners’ association that covers exterior upkeep. Homeowners are just a 45-minute drive from San Antonio. Right in their own community, they can enjoy amenities such as an exclusive clubhouse and outdoor pool and patio.

Request more information about Regency at Esperanza here.


Low $100s – Low $400s

CountryPlace is one of the most popular and affordable communities in the state.

Built between 1981 and 2000, CountryPlace is one of the most affordable retirement communities in Texas. Homebuyers can explore single-family homes and townhomes. Many residences feature views of the golf course or lake. When it comes to active amenities, homeowners have access to an exercise room, outdoor pool, and tennis courts. This gated community also features an 18-hole golf course and walking paths with lake views. 

Request more information about CountryPlace here

Watermere at SouthlakeSouthlake

Mid $100s – Low $1Ms

Watermere at Southlake provides a scenic setting and resort-style amenities.

Watermere at Southlake offers many five-star amenities, including a day spa and full-service bar, and it ranks as one of the most affordable retirement communities in Texas. Homeowners can enjoy offerings such as yoga and Pilates inside a 35,000-square-foot clubhouse.

Buyers looking for low-maintenance living will enjoy life in Watermere at Southlake. Residents of this 55+ community pay a homeowners’ association fee that takes care of community maintenance. You can choose from attached and custom single-family homes that range from 2,127 to 3,600 square feet.

Request more information about Watermere at Southlake here.

Scenic HillsSchertz

High $100s – Mid $300s

Scenic Hills is located just 25 miles from San Antonio. This 55+ community contains Texas homes for sales that range from 1,294 to 2,270 square feet. Some residences feature plantation shutters, Corian countertops, and open floor plans. A few homes also offer views of the neighboring golf course. Homeowners pay a homeowners’ association fee that covers lawn care, guard service, and common area maintenance.

Amenities include an arts and crafts studio, a library, a card room, and an exercise room at a 13,000-square-foot clubhouse. The amenities continue outdoors with walking and biking trails, four shuffleboard courts, two tennis courts, horseshoe pits, and a pool and patio. Scenic Hills also provides RV parking.

Request more information about Scenic Hills here.

Amberwood at Fall CreekHumble

High $100s – High $200s

View of the greens and sandboxes at the Amberwood at Fall Creek golf course.

Golfers will love the lifestyle offered at Amberwood at Fall Creek.

Nestled inside the master-planned community of Fall Creek, Amberwood at Fall Creek offers some of the most affordable homes for sale in Houston. This intimate 55+ community contains 58 single-story attached homes. These floor plans range from 1,524 to 1,888 square feet. The homes offer two or three bedrooms and bathrooms with attached garages. Some homes offer breakfast nooks, foyers, and dining rooms.

Homeowners have access to numerous amenities, including two 18-hole golf courses, a 31,000-square-foot practice range, and a clubhouse with a full-service restaurant. Other amenities include lighted tennis courts and an aquatic center with a six-lane competition pool.

Request more information about Amberwood at Fall Creek here

Windsor LakesThe Woodlands

High $100s – High $300s

Windsor Lakes is one of the most popular, and affordable, communities in Texas. 

Conveniently located just off I-45, Windsor Lakes is one of the most affordable retirement communities in Texas. This gated community contains 572 attached and single-family homes that range from 1,739 to 2,666 square feet. Many models include two to three bedrooms and bathrooms with stainless-steel appliances and granite countertops. 

A full-time activities director ensures residents have many events and activities to fill their social calendars. Homeowners can also enjoy a rich assortment of amenities, such as an outdoor pool, walking trails, and a 20,000-square-foot clubhouse.

 Request more information about Windsor Lakes here

Four-Leaf TowersHouston

High $100s – High $1Ms

Active adult homebuyers looking to purchase a condo home for sale in Houston can consider Four-Leaf Towers. This active lifestyle community is just 20 minutes from downtown and features 387 luxury condos spread across two high-rise buildings. Home models range from 1,015 to 2,690 square feet and have one to three bedrooms and one to three bathrooms. Residents can enjoy several resort-style amenities, including a fitness center, saunas, and massage room. Outdoor amenities include tennis courts and a pool with a covered cabana and cocktail bar.

Request more information about Four-Leaf Towers here