Housing
Alabama vs Texas: Owner Costs to Income
Alabama has a lower owner costs to income ratio than Texas.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for owner costs to income.
Alabama
#4 · 14.8%
Texas
#36 · 18.0%
Best
Worst
10 Best States — Owner Costs to Income
Lower is better
#1
West Virginia
13.3%
West Virginia
#2
Arkansas
14.6%
Arkansas
#3
North Dakota
14.7%
North Dakota
#4
Alabama
14.8%
Alabama
#5
Mississippi
15.2%
Mississippi
#6
South Carolina
15.4%
South Carolina
#7
Indiana
15.5%
Indiana
#8
Tennessee
15.5%
Tennessee
#9
Kentucky
15.6%
Kentucky
#10
Missouri
15.9%
Missouri
Selected states
#36
Texas
18.0%
Texas
Alabama ranks 4th and Texas ranks 36th nationally for owner costs to income.
Related context
Ownership Cost Burden
Lenders typically flag anything above 28% as stretched — here's how ownership stacks up against income.
MetricAlabamaTexas
Owner Costs w/ Mortgage
$1,500/mo
$2,211/mo
Owner Costs w/o Mortgage
$469/mo
$703/mo
Median Household Income
$54,943
$66,963
Median Home Value
$174,600
$294,400
Property Tax Rate
0.38%
1.49%
What this means
Alabama vs Texas: Owner Costs to Income in context
Alabama's owner costs to income is 14.8%, compared with 18.0% in Texas. Median selected monthly owner costs as a percentage of household income (ACS 2023).
Alabama
14.8%
Texas
18.0%
Difference
3.20 percentage points
People also ask
Alabama vs Texas Owner Costs to Income — common questions
QWhat is Alabama's owner costs to income?
Alabama's owner costs to income is 14.8%.
QWhat is Texas's owner costs to income?
Texas's owner costs to income is 18.0%.
QWhich state has a lower owner costs to income — Alabama or Texas?
Alabama has a lower owner costs to income ratio than Texas.
More comparisons: Alabama vs Texas
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Data source and freshness
Primary source
Data period
ACS 2023 estimates
Dataset reviewed
July 23, 2026
Method note
State values or ratios calculated from ACS fields.