Clear blue pool with shaded chairs in Del Webb Sweetgrass

Access to a resort-style pool doesn't require buying an expensive home in Texas. 

When searching for the ideal retirement community in Texas, many retirees make affordability their top priority. They want to maximize their retirement finances while still living in a desirable community that makes life fun.

The average household led by a retiree earns $48,000 annually and spends $46,000 annually, according to the Bureau of Labor Statistics’ measure of households headed by someone age 65 or older.

Regardless of a retiree’s finances, living in Texas allows them to stretch their dollars further. Texas doesn’t have a state income tax, which applies to both Social Security and retirement income.

The Lone Star State is also home to many affordable 55+ communities that contain reasonably priced homes that give retirees everything they desire—but for less. Here’s a look at some of the best places to retire in Texas due to their affordability factor.

Alamo Country ClubAlamo, TX

Below $100k - High $100s

With homes starting below $100,000, Alamo Country Club is one of the most affordable places to retire in Texas. This serene golf course community in Alamo allows retirees to pursue the kind of lifestyle they wish without going beyond their budget.

This 55+ community features a 9-hole golf course with a driving and chipping range, along with a network of walking and biking trails with scenic lakes, ponds, and parks.

Residents can also take advantage of a clubhouse complete with an exercise room, library, catering kitchen, billiards room, and card room. The neighborhood offers a rich and varied social calendar with various clubs and activities such as Mahjong, yoga, and water volleyball.

Situated in the heart of the Rio Grande Valley, Alamo Country Club contains an enticing variety of affordable homes for sale in Texas. The community contains 526 single-family homes that are designed with open floor plans and at least two bedrooms. With a homeowners’ association (HOA) fee that covers a secured entrance and community upkeep, retirees can enjoy a truly low-maintenance lifestyle.

Learn more about Alamo Country Club here.

CountryPlacePearland, TX

Low $100s - Low $400s

Retirees looking for the best places to retire in Texas will delight at what they find at CountryPlace. This 55+ community is a gem conveniently located south of Houston, offering active adult homebuyers single-family residences and townhomes that start in the mid $100s.

Retirees can stay as physically and socially active as they choose in this welcoming neighborhood. A charming clubhouse offers a well-stocked library, a fun arts and crafts room, a well-equipped exercise room, and a multi-purpose room that’s the perfect setting to experience a dance, play, or special event.

Retirees enjoy low-maintenance living in this established, gated community, whether they prefer a quaint home or a cozy townhome. Most homes feature stunning views of the community’s 18-hole golf course or sparkling lake.

Learn more about CountryPlace here.

Del Webb SweetgrassRichmond, TX

High $100s - Low $500s

Del Webb Sweetgrass epitomizes southern comfort, but at an affordable price point. This 55+ community situated about 30 minutes from downtown Houston offers Texas homes for sale starting in the high $100s.

Upon completion, the neighborhood will contain 1,500 single-family homes available in 23 different floor plans. Homes range in size from 1,109 to nearly 4,000 square feet, giving retirees plenty of choices when determining their perfect home. Those who dream of water or greenspace views can select a premium lot and soak up the community’s natural beauty right from their home.

Residents of Del Webb Sweetgrass can pursue a fulfilling way of life, whether they want to make new friends, learn new hobbies, or spend more time in nature. The community contains picturesque ponds and nature areas along with walking trails that wind peacefully throughout the neighborhood.

Homeowners can also enjoy an outdoor amphitheater for shows and concerts, a boat launch for some fun on the lake, and a fire pit for a relaxing evening with friends. Whatever they desire, they can surely find it at The Lodge, the community’s 27,000 square-foot recreation center.

Learn more about Del Webb Sweetgrass here.

Scenic Hills - Schertz, TX

Mid $100s - Mid $200s

A tranquil 55+ community with many desirable amenities doesn’t have to come with a huge price tag. Scenic Hills in Schertz offers homes for sale in Texas that start in the mid $100s.

Just 25 miles from San Antonio, this age-restricted neighborhood offers an endless array of activities and events, from line dancing and tennis to water aerobics and quilting club. However active adults dream of enjoying their retirement, they can discover it in this affordable community.

Developed between 1982 and 1989, Scenic Hills offers homes that range in size from 1,294 to 2,270 square feet. Many residences feature plantation shutters and open floor plans, and some even offer fantastic views of the neighboring golf course. Retirees don’t have to worry about upkeep due to an HOA that manages common areas, guard service, lawn care, and the community’s underground sprinkler system.

Learn more about Scenic Hills here.