Retirees choose these Texas counties for small-town charm, affordable coastal living, accessible health care, and more

If you’re starting to think about where you might want to retire, Texas should be on your list of potential places to land. With no state income tax, low cost of living, and plenty of sunshine, it’s a retirement destination that balances affordability and lifestyle. Whether you’re drawn to fishing along the coast, enjoying the slow pace of a small town, or engaging in a community filled with arts and culture, Texas has a little something for everyone stepping into their next chapter.

Texas as a retirement destination

Retiring in Texas means growing your money without sacrificing comfort. Biggest benefit? There’s no state income tax, so Social Security benefits, pension income, IRA withdrawals and 401(k)s go further. Housing and utility costs also tend to be lower than in more expensive coastal or northeastern states. Add to that the mild winters and long summers—an ideal place for retirees looking to get out the snow shovels—and the climate becomes another plus. Access to health care varies by region, but many communities are expanding hospitals and clinics to serve the growing numbers of retirees. Texas offers affordability and lifestyle appeal.

Jefferson County

Beaumont, the largest city in Jefferson County, with a population of just under 110,420, anchors an area where retirees can stretch their budgets without sacrificing quality of life. On average, retirees will spend about $982 per month on housing costs here. Not only is it one of the most affordable places to live in the United States currently, but it is also among the lowest median home values ​​in Texas at $188,284, which is well below the current U.S. median home price, at $410,800. Monthly food expenses are $582, which is also less than the national average for two adults of about $730 per month. Access to healthcare is strong, with ample facilities throughout the province, including Christus Health.

Retirees enjoy bird watching, fishing, Cajun-Texan festivals, and the county’s many arts and entertainment venues. With Houston’s big-city amenities and international airport 98 miles away, retirees still have easy access to a major urban center. With coastal charm and affordability, Jefferson County offers a comprehensive retirement option.

Maverick County

For retirees who value affordability, Maverick County, anchored by Eagle Pass, offers a welcoming small-town atmosphere. The median home value in Eagle Pass is $226,265. With low estate taxes and no state taxes on Social Security and retirement income, it’s easy to see this appeal. Healthcare is easily accessible through multiple facilities in the county, two of which are hospitals.

Retirees can enjoy fishing, boating and outdoor entertainment, as well as the Kickapoo Lucky Eagle Casino for entertainment. Being a border province, retirees seeking authentic Mexican food and shops will delight in the cultural exposure here. Despite the affordability, one major drawback is the fact that the closest international airport is in San Antonio, about 150 miles away.

Gregg County

Gregg County, located in East Texas, is ideal if you want small-town charm and vibrant opportunities without sacrificing affordability. Healthcare is anchored by Christus Good Shepherd Medical Center, one of the region’s leading providers, and the county’s many other hospitals and abundant medical facilities. The county seat of Longview blends small-town charm with vibrant opportunities, such as live music, historical and art museums, parks, and community events.

County taxes are low, and retirees can enjoy the absence of taxes on Social Security and other retirement income, enhancing the area’s affordability. The real estate market is competitive with home values ​​rising and most homes in the county selling within about 60 days, with the median home value being $215,000. However, the downside is that the closest major airport is in Dallas, about 140 miles away.

Compare retirement options in Texas

The beauty of retiring in Texas is the wide range of options available to you. Jefferson County gives you affordable coastal living near Houston. Maverick County offers affordability and an authentic Mexican-American experience along the Rio Grande. Gregg County takes a middle ground, offering the cultural richness and affordability of East Texas. The major cities in each province offer numerous hospitals and healthcare facilities.

Your decision depends on your preferences. Are you aiming for the relatively sophisticated offerings of urban areas or intimate living in small communities? Is your priority outdoor living versus urban cultural experiences? Is it important to you to be near a major airport, or do you prefer to be as far away as possible from major metro areas? Each county has its pros and cons, so the best choice depends on what’s on your retirement wish list.

Bottom line

Retirement in Texas is not one size fits all. Whether you’re drawn to the coast, a close-knit border town, or a culture-rich East Texas city, you’ll find options that allow your retirement funds to stretch even further. Add to that warm weather, increased access to health care, and a tax-friendly environment, and Texas makes a compelling case for your golden years.