Lowest monthly cost to own a home counties
A ranked view of counties where the estimated monthly PITI benchmark is lowest at the county median home value.
Top counties
| Rank | County | Metric | Context |
|---|---|---|---|
| 1 | King County, Texas | $371/mo estimated PITI | $52,100 median home; $564/yr tax; $722/yr insurance |
| 2 | Stonewall County, Texas | $381/mo estimated PITI | $48,600 median home; $872/yr tax; $756/yr insurance |
| 3 | Cochran County, Texas | $388/mo estimated PITI | $53,200 median home; $583/yr tax; $842/yr insurance |
| 4 | Apache County, Arizona | $422/mo estimated PITI | $63,700 median home; $572/yr tax; $626/yr insurance |
| 5 | Cottle County, Texas | $426/mo estimated PITI | $59,300 median home; $680/yr tax; $839/yr insurance |
| 6 | Warren County, Georgia | $444/mo estimated PITI | $67,100 median home; $730/yr tax; $532/yr insurance |
| 7 | Alexander County, Illinois | $446/mo estimated PITI | $59,800 median home; $1,084/yr tax; $640/yr insurance |
| 8 | Hudspeth County, Texas | $452/mo estimated PITI | $64,000 median home; $801/yr tax; $741/yr insurance |
| 9 | Stewart County, Georgia | $457/mo estimated PITI | $65,100 median home; $994/yr tax; $535/yr insurance |
| 10 | Taliaferro County, Georgia | $465/mo estimated PITI | $68,900 median home; $902/yr tax; $501/yr insurance |
| 11 | Dickens County, Texas | $479/mo estimated PITI | $65,300 median home; $939/yr tax; $850/yr insurance |
| 12 | Foard County, Texas | $487/mo estimated PITI | $70,700 median home; $790/yr tax; $762/yr insurance |
| 13 | Atkinson County, Georgia | $497/mo estimated PITI | $79,000 median home; $625/yr tax; $545/yr insurance |
| 14 | Covington city, Virginia | $517/mo estimated PITI | $83,500 median home; $681/yr tax; $451/yr insurance |
| 15 | Appling County, Georgia | $517/mo estimated PITI | $76,700 median home; $721/yr tax; $829/yr insurance |
| 16 | Culberson County, Texas | $534/mo estimated PITI | $79,300 median home; $769/yr tax; $831/yr insurance |
| 17 | Calhoun County, Georgia | $535/mo estimated PITI | $81,000 median home; $903/yr tax; $605/yr insurance |
| 18 | Webster County, Georgia | $538/mo estimated PITI | $82,600 median home; $925/yr tax; $513/yr insurance |
| 19 | Wheeler County, Georgia | $538/mo estimated PITI | $88,200 median home; $554/yr tax; $552/yr insurance |
| 20 | Wilkinson County, Georgia | $545/mo estimated PITI | $86,300 median home; $775/yr tax; $528/yr insurance |
How to read this ranking
The table is a doorway into the underlying county pages, not a standalone recommendation. Open a county to see the effective tax rate, median home value, insurance budget, PITI assumptions, source attribution, confidence label, and data as-of date.
Confidence: Medium for mortgage and tax math; Low for modeled insurance budgets. Data as of 2026-06-22.
Sources: U.S. Census Bureau ACS, NAIC Homeowners Insurance Report, and FEMA National Risk Index, depending on the metric.
Disclaimer: Estimates for budgeting only — not a tax bill, not an insurance quote, not legal or tax advice. Verify with the county assessor and a licensed professional before making financial decisions.