14 Texas Towns Where Couples Can Live on Nothing but Social Security

Many metropolitan areas in Texas can be quite pricey, making it difficult for couples on a fixed income, such as Social Security, to afford. Since the average Social Security benefit is about $2,000 per month, living expenses can be challenging in these areas, unless you supplement your Social Security with some significant additional income.

Slightly smaller towns in the state offer more affordability and a wealth of amenities, especially for a couple with a combined income of $4,000 per month. If you're considering relocating within Texas, here are 14 towns worth exploring.

Editor's note: Unless otherwise noted, all rental information comes from Apartments.com and all housing information from Zillow.

Average rent: $739

Average home price: $206,150

Bay City, a vibrant town in Texas with a population of 17,471 residents, offers a range of outdoor activities and exciting events at Matagorda Bay. This is also an affordable place, with a cost of living significantly lower than the national average.

In fact, the average monthly housing and utilities cost is 55% lower than the U.S. average, making it an ideal choice for individuals living on Social Security.

Average rent: $806

Average home price: $173,549

Wichita Falls, with a population of 102,372, is a sizeable community that offers a small-town feel combined with big-city attractions. The city boasts vibrant local festivals, numerous parks, and low-cost public transit.

The average rent here is 51% lower than the national average, making this town an affordable choice for any couple relying on Social Security benefits.

Average rent: $830

Average home price: $227,106

McAllen, located in southern Texas just seven miles from the Texas–Mexico border, is a highly sought-after destination for retirees living on Social Security. The average rent here is 49% lower than the U.S. average.

The appealing features of this town include relatively mild winters, abundant sunshine, and natural parks, which attract visitors and residents alike. The city is also home to more than 540 bird species, making it a popular spot for birdwatchers from around the globe.

Average rent: $924

Average home price: $160,413

Beaumont has a large retiree population, thanks to its sunny weather, nearby beaches, and close proximity to Houston, which is just 90 minutes away.

The average rent in this area is 44% lower than the national average, and with affordable grocery stores within walking distance of most neighborhoods, it easily ranks as one of the best locations on the list for couples receiving Social Security benefits.

Average rent: $858

Average home price: $161,968

Marshall, Texas, is a quaint town with 24,263 residents. It is notable for its affordable rent, which is 48% lower than the national average, as well as its historic sites, vibrant cultural scene, and neighborhoods shaded by leafy woods.

Additionally, it hosts a major highway, Interstate 20, offering convenient access to casinos in Shreveport, Louisiana, and Dallas, Texas.

Average rent: $1,044

Average home price: $196,178

Waco is a health-oriented city located in McLennan County, central Texas, with a population of 146,608. It offers residents access to hiking trails, nearby streams, and the Ascension health care system.

The city is conveniently situated, just a one-hour drive from Cavazos and a one-hour and 30-minute drive from Dallas. Retirees on a fixed income who are active and seeking to improve their overall well-being will particularly enjoy this location.

Average rent: $844

Average home price: $202,921

The cost of living in Amarillo is relatively low, with an average rent that is 48% under the national average. However, retiree couples on Social Security are drawn to the area because of its health care.

In fact, Amarillo is regularly touted as one of the best places in Texas for top-notch medical care, thanks to numerous retirement communities and the Northwest Texas Healthcare System.

Average rent: $856

Average home price: $207,871

Lubbock is a college town in West Texas with a cost of living that is 48% below the national average, making it an affordable place for retirees on a fixed income.

It is full of theaters, restaurants, and wineries, and is just 90 miles from New Mexico, providing easy access to a variety of popular tourist destinations.

Average rent: $856

Average home price: $221,361

Killeen, Texas, home to Fort Cavazos, has a population of 160,616 and is located an hour north of Austin, Texas.

This town has everything retirees need, from abundant health care and convenient transportation, thanks to the HOP system, to plenty of walking trails and outdoor activities for both retirees and veterans.

The average rent in this area makes it a relatively affordable option for individuals with a fixed income.

Average rent: $954

Average home price: $226,257

With a population of 100,159, San Angelo is a small town with a pleasant climate and affordable rent, which is 42% below the national average.

This area offers a diverse range of recreational activities, community events, and outdoor pursuits suitable for people of all ages. The downtown historic murals and art installations add to its appeal.

Average rent: $944

Average home price: $228,441

If you and your partner are considering a new place to settle down, Longview, Texas, is an ideal choice.

Located in East Texas near the Louisiana border, this vibrant town is home to more than 83,668 residents from diverse backgrounds. It offers a lively mix of cultural events and community activities, and its cost of living is 42% lower than the national average.

Couples who enjoy outdoor sports, such as swimming, fishing, or kayaking, would love this location, as it is home to the popular Lake of the Pines and Martin Creek Lake.

Average rent: $956

Average home price: $231,060

El Paso is a lovely border city known for its diverse atmosphere. It has a population of approximately 681,723 residents and a median age of 35.3. The city boasts ample parks, museums, and award-winning hospitals, making it a vibrant and appealing place to visit or live.

Average rent: $985

Average home price: $213,676

Living on a fixed income, people often prioritize housing, utilities, and transportation costs, sometimes at the expense of safety and amenities.

Fortunately, Laredo provides affordability without such sacrifices. It also features excellent health care and many community attractions suited for retirees.

Average rent: $998

Average home price: $248,211

Looking for an affordable place to retire where you can boat, swim, and soak up the sun? Baytown, a coastal city near Houston, might be just the spot. It offers an average rent well below the national average, as well as access to the popular Galveston Bay.

Additionally, it has a strong health care network, which is appealing to Social Security recipients.

Living on Social Security alone in Texas doesn't mean you need to sacrifice living a stress-free retirement. You can still have all the amenities you look for if you choose smaller towns with a lower cost of living.

Although affordable towns are found throughout the United States, Texas continues to stand out as a top choice thanks to its warm weather, Southern hospitality, and affordability. Because of these qualities, settling down here offers not just cost savings but also peace of mind.