Which county in Texas has the lowest monthly housing payment?

Cochran has the lowest monthly housing payment in Texas, at $278.

What is the monthly housing payment in Cochran?

Cochran is ranked #1 in Texas for monthly housing payment, at $278.

Counties With the Lowest Monthly Housing Payment in Texas (2026)

Lowest counties for monthly housing payment in Texas

Top 25 of 254 counties with data.

Ranked by monthly payment (piti) (Zillow P+I + ACS effective tax rate + NAIC insurance (synthesized), Zillow 2026-07), lowest first.

Lowest counties for monthly housing payment in Texas

Rank	County	Value
01	Cochran$278 County page
02	Hardeman$312 County page
03	Cottle$358 County page
04	Brooks$362 County page
05	Duval$379 County page
06	Floyd$408 County page
07	Collingsworth$419 County page
08	Hall$445 County page
09	Crosby$462 County page
10	Zavala$480 County page
11	Mitchell$491 County page
12	Wheeler$499 County page
13	Dickens$501 County page
14	Knox$507 County page
15	Swisher$523 County page
16	Haskell$523 County page
17	Gray$526 County page
18	Lamb$543 County page
19	Fisher$546 County page
20	Lipscomb$561 County page
21	Terrell$565 County page
22	La Salle$569 County page
23	Dawson$581 County page
24	King$602 County page
25	Hutchinson$604 County page

How this ranking works

This page ranks Texas counties by monthly payment (piti), sorted so the lowest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For monthly housing payment, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh monthly housing payment against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of monthly payment (piti).

Frequently asked questions

Which county in Texas has the lowest monthly housing payment?: Cochran has the lowest monthly housing payment in Texas, at $278.
What is the monthly housing payment in Cochran?: Cochran is ranked #1 in Texas for monthly housing payment, at $278.
How is this monthly housing payment ranking calculated?: Counties in Texas are ranked by monthly payment (piti) (Zillow P+I + ACS effective tax rate + NAIC insurance (synthesized), Zillow 2026-07), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.