Best Cities in Texas for Veterans 2025: Cost of Living & Quality of Life
Texas's best cities for veterans ranked by cost of living, veteran population, amenities, and quality of life. Housing costs and city comparisons for military retirees.
Best Cities in Texas for Veterans 2025
Bottom Line Up Front
Austin ranks #1 nationally for veterans (WalletHub 2025)—offering the best colleges, 10th highest veteran median income ($62,000), 7th best job growth, and extensive military discounts, but housing is expensive at $499,000 median. San Antonio takes #2 for Texas veterans—massive military presence (80,000 at Joint Base San Antonio), strong veteran community (110,000+ veterans), affordable housing ($335,000 median), and excellent quality of life.
For employment, Dallas (#25 nationally) offers the most jobs with median home prices at $439,999. For affordability, El Paso, Corpus Christi, and Lubbock offer median homes under $250,000 while maintaining good veteran services and low cost of living.
Texas's unique advantage: no state income tax saves military retirees $2,000-$6,000 annually, and 100% disabled veterans get full property tax exemptions worth $5,000-$12,000+ annually depending on location. A 100% disabled veteran with $50,000 military retirement saves $10,000-$15,000 annually in combined tax benefits, substantially offsetting Texas's higher property tax rates.
Overall, Texas cities excel for job opportunities, military culture, and tax benefits, but housing costs vary dramatically—Austin and Dallas are expensive ($440K-$500K median) while smaller cities offer affordability ($150K-$300K). Best state for veterans prioritizing employment, education (Hazlewood Act), and veteran community.
Ranking Methodology
Cities Ranked By:
- Cost of living (housing, utilities, groceries, taxes): 30%
- Veteran population & community: 20%
- Proximity to VA healthcare & military bases: 15%
- Job opportunities & veteran unemployment: 20%
- Quality of life (crime, schools, amenities, climate): 15%
Top 12 Texas Cities Ranked
#1: Austin
Why It's #1:
Austin ranks #1 nationally for veterans (WalletHub 2025) due to best-in-class education (UT Austin with Hazlewood Act), 10th highest veteran median income ($62,000), 7th best job growth nationally, extensive military discounts, and thriving tech economy. It's the state capital with progressive culture, excellent quality of life, and strong veteran services despite high costs.
Housing Costs:
- Median home price: $499,000
- Rent (2BR): $2,100-$2,400/month
- 49% above Texas average
- Property tax rate: 1.64% (Travis County)
Cost of Living:
- Overall: 119/100 (19% above national average)
- Groceries: 95/100 (5% below national—H-E-B keeps prices competitive)
- Utilities: $165/month average
- Transportation: $85/month
Veteran Community:
- Veteran population: 65,000+ (5% of metro population)
- Military installations: Camp Mabry (Texas National Guard headquarters)
- VFW/American Legion posts: 15+
- Nearby: Fort Cavazos (60 miles north), Lackland AFB (80 miles south)
- Strong student veteran community (UT Austin, ACC)
VA Healthcare Access:
- Central Texas VA Healthcare System: Temple (60 miles north)
- Austin VA Clinic: Round Rock (20 minutes north of downtown)
- Community Care: Excellent—Seton Healthcare, St. David's, Baylor Scott & White
- Austin Vet Center: South Austin | (512) 416-1314
Employment:
- Unemployment: 3.2% (slightly higher than state but job market is massive)
- Major employers: Dell Technologies (15,000+ employees in Round Rock), Apple (5,000+ at new campus), Tesla Gigafactory, Samsung, Oracle, Google, Amazon Web Services, State of Texas (capitol), UT Austin (51,000 employees)
- Veteran hiring: Strong—tech companies actively recruit for cybersecurity, IT, engineering roles
- Average veteran salary: $62,000 (10th highest nationally)
- Military contractors: Several defense firms have Austin presence
Quality of Life:
- Weather: Hot summers (95-100°F), mild winters (50-60°F), 300 sunny days/year
- Crime rate: Moderate (higher than suburbs, lower than Houston/Dallas)—safe neighborhoods west of I-35 and northwest suburbs
- Schools: Austin ISD rated 6-7/10 (varies by school); suburban districts (Round Rock, Leander, Pflugerville) rated 8-9/10
- Recreation: Live music capital of the world, 300+ parks, Lady Bird Lake (kayaking, paddleboarding), Barton Springs Pool, hiking/biking trails, BBQ culture, South by Southwest (SXSW), Austin City Limits
- Culture: Progressive, young, highly educated, diverse, veteran-friendly
Pros:
- #1 city nationally for veterans (WalletHub 2025)
- Best job market in Texas (tech, state government, education)
- Excellent universities (UT Austin + Hazlewood = free tuition)
- No state income tax (save $3,000-$6,000/year on military retirement)
- 100% disabled vets: full property tax exemption ($8,184/year savings on median home)
- Strong veteran community and support services
- High quality of life (culture, recreation, food, music)
- Central Texas location (3 hours to San Antonio, Dallas, Houston)
Cons:
- Most expensive major city in Texas (median $499K)
- High property taxes (1.64%) if not 100% disabled
- Traffic congestion (I-35 corridor is nightmare)
- Rapid growth causing infrastructure strain
- Hot summers (100°F+ common June-August)
- VA hospital is 60 miles away in Temple (clinic in Round Rock)
Best For:
- Tech workers, cybersecurity professionals, IT specialists
- UT Austin students using GI Bill + Hazlewood
- State government employees (veteran hiring preference)
- High-earning veterans who can afford housing
- Veterans prioritizing culture, education, and job growth
#2: San Antonio
Why It's #2:
San Antonio is the most military-friendly city in America—home to Joint Base San Antonio (80,000+ personnel combining Lackland, Fort Sam Houston, and Randolph), massive veteran population (110,000+ veterans), affordable housing ($335,000 median), and strong cultural identity. Military history runs deep (Alamo), and the city embraces veteran community.
Housing Costs:
- Median home price: $335,000
- Rent (2BR): $1,400-$1,650/month
- 28% below Texas average
- Property tax rate: 1.82% (Bexar County)
Cost of Living:
- Overall: 93/100 (7% below national average)
- Groceries: 90/100 (H-E-B headquarters)
- Utilities: $150/month
- Transportation: $70/month
Veteran Community:
- Veteran population: 110,000+ (8% of metro—highest concentration in Texas)
- Military installations: Joint Base San Antonio (Lackland, Fort Sam Houston, Randolph) = 80,000+ personnel
- VFW/AL posts: 30+
- Military City USA designation
- Extremely veteran-friendly culture—military heritage celebrated
VA Healthcare Access:
- Audie L. Murphy Memorial VA Hospital: In city (northwest San Antonio)
- Services: Full medical center, polytrauma/TBI center (one of 5 nationally)
- Multiple VA clinics across metro
- Excellent Community Care partnerships
- San Antonio Northeast Vet Center: (210) 655-0606
Employment:
- Unemployment: 3.4%
- Major employers: USAA (12,000+ employees, exclusively serves military community), H-E-B (15,000+ in San Antonio), JBSA (80,000 military + civilian), Brooke Army Medical Center, Baptist Health System, Methodist Healthcare, Valero Energy, Toyota, Port San Antonio (aerospace, tech), Rackspace
- Veteran hiring: Exceptional—USAA has 30%+ veteran workforce, military contractors abundant, city prioritizes veteran hiring
- Average salary: $56,000
- Defense contractors: Dozens due to JBSA presence
Quality of Life:
- Weather: Hot summers (95-100°F), mild winters (55-65°F), 220 sunny days/year
- Crime rate: Moderate (safe suburban areas, higher crime in east/west sides)
- Safe neighborhoods: Stone Oak, Alamo Heights, The Dominion, Leon Valley, Northwest SA
- Schools: Northside ISD (9/10), North East ISD (8/10), Alamo Heights ISD (9/10)
- Recreation: River Walk (downtown), Alamo, six Spanish missions (UNESCO World Heritage), Sea World, Six Flags Fiesta Texas, 230+ parks, San Antonio Spurs (NBA), 90 min to Texas Hill Country
- Culture: Strong Hispanic heritage, family-oriented, extremely veteran-friendly, affordable dining and entertainment
Pros:
- Most military-friendly city in America
- Largest veteran population in Texas (110,000+)
- Joint Base San Antonio (80,000 personnel—easy transition)
- VA hospital in city with polytrauma/TBI specialization
- Affordable housing ($335K median vs. $499K Austin)
- No state income tax
- 100% disabled: full property tax exemption ($6,097/year savings)
- USAA headquarters (exceptional employer for veterans)
- Strong sense of community and military culture
- Low cost of living (7% below national average)
Cons:
- Lower salaries than Austin/Dallas ($56K vs. $62K)
- Hot, humid summers (less pleasant than Austin)
- Higher property tax rate (1.82%) if not 100% disabled
- Limited public transportation
- Some areas have higher crime (avoid east/west sides)
- Fewer tech jobs compared to Austin
Best For:
- Veterans separating from JBSA (Lackland, Fort Sam Houston, Randolph)
- Military retirees seeking affordability and military culture
- Healthcare workers (Brooke Army Medical Center, civilian hospitals)
- USAA employees
- Families wanting affordable cost of living and good schools
- Veterans who value strong military community
#3: Dallas
Why It's #3:
Dallas offers the most jobs of any Texas city, strong economy ($500+ billion GDP for DFW metro), excellent veteran services, major corporate headquarters, and extensive opportunities across industries. It ranks #25 nationally for veterans (WalletHub 2025) and provides big-city amenities with southern hospitality.
Housing Costs:
- Median home price: $439,999
- Rent (2BR): $1,800-$2,100/month
- 5% below Texas average (Dallas County); suburbs more expensive
- Property tax rate: 1.55% (Dallas County)
Cost of Living:
- Overall: 102/100 (2% above national average)
- Groceries: 98/100
- Utilities: $175/month
- Transportation: $95/month
Veteran Community:
- Veteran population: 75,000+ (5%)
- VFW/AL posts: 25+
- Nearby: Naval Air Station Joint Reserve Base Fort Worth (20 miles west)
- Strong corporate veteran programs
VA Healthcare Access:
- Dallas VA Medical Center: South Dallas (4500 S. Lancaster Road)
- Services: Full medical center, spinal cord injury center, comprehensive specialty care
- Multiple CBOCs: Fort Worth, McKinney, Plano, Arlington, Denton, Granbury
- Quality: 3 stars
- Dallas Vet Center: (214) 361-5896
Employment:
- Unemployment: 3.0%
- Major employers: American Airlines (30,000+ at DFW headquarters), AT&T (15,000+ at Dallas HQ), Southwest Airlines (60,000+ at Love Field HQ), Lockheed Martin (15,000+ at Fort Worth), Raytheon (McKinney), Texas Instruments, ExxonMobil, JPMorgan Chase, Bank of America, Baylor Scott & White Health, Texas Health Resources, DFW Airport (60,000 employees)
- Veteran hiring: Strong—corporate diversity programs prioritize veterans
- Average salary: $65,000
- Defense contractors: Lockheed (Fort Worth), Raytheon, Bell Textron
Quality of Life:
- Weather: Hot summers (95-100°F), mild winters (45-55°F), occasional ice storms
- Crime rate: Varies widely—safe suburbs (Plano, Frisco, McKinney), higher crime in southern Dallas
- Safe neighborhoods: Uptown, Highland Park, University Park, North Dallas, suburbs (Plano, Frisco, Allen, McKinney)
- Schools: Highly variable—suburban districts (Plano ISD, Frisco ISD) rated 9-10/10; Dallas ISD 5-7/10
- Recreation: Dallas Cowboys (NFL), Dallas Mavericks (NBA), Dallas Stars (NHL), FC Dallas (MLS), world-class museums (Sixth Floor Museum, Dallas Museum of Art, Perot Museum), Deep Ellum (music/nightlife), Klyde Warren Park, White Rock Lake
- Culture: Business-focused, diverse, cosmopolitan, car-dependent
Pros:
- Most jobs in Texas (Fortune 500 headquarters cluster)
- Excellent salaries ($65K average for veterans)
- VA medical center in city
- DFW Airport (easy travel—140+ destinations)
- No state income tax
- 100% disabled: full property tax exemption ($6,820/year savings)
- Suburban options with top schools (Plano, Frisco)
- Pro sports teams and big-city amenities
- Central location (3.5 hours to Austin, Houston, Oklahoma City)
Cons:
- Expensive housing in desirable suburbs ($500K+ in Plano/Frisco)
- High property taxes (1.55%) if not 100% disabled
- Car-dependent (minimal public transit)
- Urban sprawl (90-minute commutes common)
- Hot summers, occasional winter ice
- Crime varies dramatically by neighborhood
- Less military culture than San Antonio or Killeen
Best For:
- Corporate career seekers (finance, telecom, aviation, defense)
- High-earning veterans ($70K+)
- Families willing to live in suburbs for excellent schools
- Veterans separating from NAS Fort Worth
- Business owners (DFW is business hub)
#4: Houston
Why It's #4:
Houston is Texas's largest city (4th largest in U.S.) with the most diverse economy—energy capital of the world, medical center (Texas Medical Center is largest in world), aerospace (NASA Johnson Space Center), and international port. Massive job market but lower ranking (#59 nationally) due to cost of living and sprawl.
Housing Costs:
- Median home price: $370,990
- Rent (2BR): $1,600-$1,900/month
- 20% below Texas average
- Property tax rate: 1.49% (Harris County)
Cost of Living:
- Overall: 98/100 (2% below national average)
- Groceries: 93/100
- Utilities: $160/month
- Transportation: $80/month
Veteran Community:
- Veteran population: 100,000+ (3%)
- Nearby: Ellington Field Joint Reserve Base (15 miles southeast)
- VFW/AL posts: 40+
VA Healthcare Access:
- Michael E. DeBakey VA Medical Center: Texas Medical Center (best VA facility in Texas, 4 stars)
- Services: Premier cardiology, research programs, 500+ beds
- Multiple CBOCs: Conroe, Beaumont, Galveston, Katy, League City, Lufkin, Texas City
- Houston Vet Center: (281) 537-2611
Employment:
- Unemployment: 3.5%
- Major employers: ExxonMobil (10,000+), Chevron, Shell, BP America, Halliburton, Schlumberger, Baker Hughes, Texas Medical Center (106,000+ employees across 60+ institutions), NASA Johnson Space Center (3,000 NASA + 17,000 contractors), Port of Houston (330,000+ jobs supported), United Airlines (IAH hub), JPMorgan Chase, Sysco, Hewlett Packard Enterprise
- Veteran hiring: Strong in energy, aerospace, healthcare
- Average salary: $64,000
- Defense contractors: Numerous (supporting NASA, energy sector)
Quality of Life:
- Weather: Hot, humid summers (95-100°F with high humidity), mild winters (55-65°F), hurricane risk
- Crime rate: Higher than suburbs—varies by neighborhood
- Safe neighborhoods: Memorial, River Oaks, Heights, Montrose, Energy Corridor, Clear Lake, suburban (Sugar Land, Katy, The Woodlands, Pearland)
- Schools: Houston ISD highly variable (4-8/10); suburban districts better (Katy ISD 9/10, Cy-Fair ISD 8/10)
- Recreation: NASA Space Center Houston, Museum District (19 museums), Galveston beaches (50 min), Houston Texans (NFL), Houston Rockets (NBA), Houston Astros (MLB), dining (most restaurants per capita in U.S.), theater district (2nd largest in U.S.)
- Culture: Extremely diverse (145+ languages spoken), international, no zoning (unique sprawl)
Pros:
- Most jobs by sheer volume (3 million jobs in metro)
- Diverse economy (energy, medical, aerospace, port)
- Best VA hospital in Texas (DeBakey VAMC, 4 stars)
- Affordable housing compared to Austin/Dallas ($371K median)
- No state income tax
- 100% disabled: full property tax exemption ($5,528/year savings)
- World-class medical facilities (Texas Medical Center)
- Extremely diverse and international
- NASA Johnson Space Center (space industry jobs)
Cons:
- Ranks low nationally (#59) for veterans due to sprawl and COL
- Massive urban sprawl (60-90 minute commutes common)
- Hot, humid summers (oppressive June-September)
- Hurricane risk (Hurricanes Harvey, Ike caused major damage)
- High crime in certain areas
- Traffic congestion (among worst in nation)
- Flooding issues (flat terrain, heavy rain)
- Less military culture than San Antonio or Killeen
Best For:
- Energy sector workers (petroleum engineers, geologists, operations)
- Healthcare professionals (Texas Medical Center opportunities)
- Aerospace workers (NASA, contractors)
- Veterans wanting diverse, international culture
- High-earning professionals ($70K+)
#5: Fort Worth
Why It's #5:
Fort Worth is Dallas's "twin city" with a more laid-back, western culture. It ranks #10 nationally for veterans (WalletHub 2025), offers good job opportunities, proximity to Lockheed Martin and Naval Air Station, and a strong sense of community with lower costs than Dallas.
Housing Costs:
- Median home price: $360,000
- Rent (2BR): $1,500-$1,800/month
- 22% below Texas average
- Property tax rate: 1.52% (Tarrant County)
Cost of Living:
- Overall: 96/100 (4% below national average)
- Groceries: 95/100
- Utilities: $165/month
Veteran Community:
- Veteran population: 60,000+ (6%)
- Military installations: Naval Air Station Joint Reserve Base Fort Worth (Carswell Field)
- VFW/AL posts: 20+
- Strong veteran support organizations
VA Healthcare Access:
- Dallas VA Medical Center: 35 miles east
- Fort Worth VA Clinic: Multiple locations across Fort Worth
- Community Care: Excellent—JPS Health Network, Baylor Scott & White
- Fort Worth Vet Center: (817) 921-9095
Employment:
- Unemployment: 2.9%
- Major employers: Lockheed Martin Aeronautics (14,000+—largest employer in North Texas), American Airlines (DFW hub), Bell Textron (helicopter manufacturing), BNSF Railway (headquarters), JPMorgan Chase, XTO Energy (ExxonMobil subsidiary), JPS Health Network, Texas Health Resources
- Veteran hiring: Lockheed Martin has 20%+ veteran workforce—active recruiting
- Average salary: $63,000
Quality of Life:
- Weather: Similar to Dallas (hot summers, mild winters)
- Crime rate: Lower than Dallas—safe neighborhoods throughout
- Safe areas: Tanglewood, Monticello, Westover Hills, Arlington Heights, most of west Fort Worth
- Schools: Fort Worth ISD 6-7/10; suburban districts (Carroll ISD 10/10, Keller ISD 9/10) excellent
- Recreation: Fort Worth Stockyards (western heritage), Sundance Square, Fort Worth Zoo (top 5 in U.S.), Kimbell Art Museum, Modern Art Museum, Bass Performance Hall, Texas Motor Speedway, cowboy culture
- Culture: Western heritage, "Cowtown," more conservative than Austin, family-friendly
Pros:
- #10 nationally for veterans (moved up 10 spots in 2025)
- Lockheed Martin massive presence (veteran-friendly hiring)
- Naval Air Station Joint Reserve Base in city
- More affordable than Dallas ($360K vs. $440K)
- Excellent suburban schools (Carroll, Keller)
- Western culture and heritage
- No state income tax
- 100% disabled: full property tax exemption ($5,472/year savings)
Cons:
- VA medical center in Dallas (35 miles away)
- Car-dependent sprawl
- Hot summers
- Limited public transit
- Fewer job opportunities than Dallas (but still good)
Best For:
- Lockheed Martin employees and contractors
- Naval Air Station personnel/retirees
- Families seeking affordable DFW living with good schools
- Veterans who prefer laid-back culture vs. Dallas corporate environment
#6: Killeen (Fort Cavazos Area)
Why It's #6:
Killeen exists to serve Fort Cavazos (formerly Fort Hood)—the largest active-duty military installation in the world (65,000 soldiers/families). Perfect for recently separated veterans, military spouses, and those wanting to stay connected to military community. Affordable and completely military-focused.
Housing Costs:
- Median home price: $268,000
- Rent (2BR): $1,300-$1,500/month
- 42% below Texas average
- Property tax rate: 1.85% (Bell County)
Cost of Living:
- Overall: 88/100 (12% below national average)
- Groceries: 90/100
- Utilities: $145/month
Veteran Community:
- Veteran population: 25,000+ (18%—highest percentage in Texas!)
- Fort Cavazos: 65,000 soldiers/families, 218,000 acres
- Units: III Armored Corps, 1st Cavalry Division, 3rd Cavalry Regiment
- Military city designation—everything caters to military
- VFW/AL posts: 10+
VA Healthcare Access:
- Central Texas VA Healthcare System: Temple (20 miles south)
- Services: Full medical center serving Fort Cavazos community
- Killeen VA Clinic: In city
- Excellent access for transitioning soldiers
- Waco VA: 45 miles north
Employment:
- Unemployment: 4.0% (higher due to military spouse employment challenges)
- Major employers: Fort Cavazos (65,000), Killeen ISD, Scott & White Medical Center, federal contractors (multiple), Temple College
- Veteran hiring: Strong—local employers understand military experience
- Average salary: $48,000 (lower cost of living offsets)
- Many veterans work on Fort Cavazos as contractors
Quality of Life:
- Weather: Hot summers (95-100°F), mild winters (50-60°F)
- Crime rate: Higher than Texas average (military town dynamics, transient population)
- Safe neighborhoods: Harker Heights (adjacent city, much safer), West Killeen
- Schools: Killeen ISD 5-6/10 (large, transient student population); Harker Heights better
- Recreation: Dana Peak Park (Stillhouse Hollow Lake), Fort Cavazos recreation areas, Belton Lake, 60 miles to Austin
- Culture: Military-focused, transient, young families, strip malls and chain restaurants
Pros:
- Most affordable major Texas city for veterans ($268K median)
- Fort Cavazos right there—easy transition for separating soldiers
- Massive veteran community (18% of population)
- VA hospital in Temple (20 min)
- Everyone understands military culture and language
- Low cost of living (12% below national average)
- No state income tax
- 100% disabled: full property tax exemption ($4,958/year savings)
- Easy access to Austin (60 miles) for employment/culture
Cons:
- Limited jobs outside Fort Cavazos/government
- Higher crime than suburbs
- Lower-rated schools (military transience affects performance)
- Transient population (soldiers PCS frequently)
- Strip mall aesthetic (lacks character)
- Hot, isolated location
Best For:
- Veterans separating from Fort Cavazos (1st Cav, 3rd Cav)
- Military retirees wanting to stay near base and military community
- Defense contractors working on Fort Cavazos
- Military spouses (large support network)
- Budget-focused veterans seeking affordability
#7: El Paso
Why It's #7:
El Paso is the most affordable major Texas city, home to Fort Bliss (90,000 military personnel/families—2nd largest Army base), strong Hispanic culture, and low cost of living. Ranks #67 nationally for veterans primarily due to remote location, but excellent for those who prefer desert climate and affordability.
Housing Costs:
- Median home price: $245,000
- Rent (2BR): $1,100-$1,300/month
- 47% below Texas average
- Property tax rate: 1.78% (El Paso County)
Cost of Living:
- Overall: 86/100 (14% below national average—cheapest major Texas city)
- Groceries: 88/100
- Utilities: $130/month
Veteran Community:
- Veteran population: 50,000+ (7%)
- Fort Bliss: 90,000 military personnel/family members (20% of El Paso population)
- Units: 1st Armored Division, Air Defense Artillery School
- VFW/AL posts: 15+
- Strong military culture
VA Healthcare Access:
- VA El Paso Health Care System: Multiple clinics (Central, Westside, Eastside, Las Cruces NM)
- Services: Outpatient clinics, limited inpatient (uses Community Care partnerships)
- El Paso Vet Center: (915) 772-0013
- Community Care: Extensive partnerships
Employment:
- Unemployment: 4.2%
- Major employers: Fort Bliss (90,000), University of Texas El Paso (UTEP), El Paso Independent School District, Las Palmas Del Sol Healthcare, William Beaumont Army Medical Center, Ysleta ISD, federal government (Border Patrol/CBP), manufacturing (maquiladoras across border)
- Veteran hiring: Fort Bliss contractor opportunities abundant
- Average salary: $51,000 (lower but cost of living offsets)
Quality of Life:
- Weather: Desert climate—hot summers (100-105°F), mild winters (55-65°F), very low humidity, 300+ sunny days/year
- Crime rate: Moderate (safer than reputation suggests)
- Safe neighborhoods: West El Paso, East El Paso (near mountains), Eastside, Northeast
- Schools: El Paso ISD 6-7/10; suburban districts (Socorro ISD, Ysleta ISD) 7-8/10
- Recreation: Franklin Mountains State Park (largest urban park in U.S.), hiking, biking, Hueco Tanks (rock climbing), White Sands NM (90 min), Juarez, Mexico (across border), UTEP Miners (NCAA)
- Culture: 83% Hispanic, bilingual (Spanish/English), Mexican-American heritage, family-oriented, low-key
Pros:
- Most affordable major Texas city ($245K median)
- Fort Bliss (90,000 personnel—easy transition)
- Lowest cost of living (14% below national average)
- 300+ sunny days/year (dry, desert climate)
- No state income tax
- 100% disabled: full property tax exemption ($4,361/year savings)
- Safe despite border location
- Unique culture (blend of U.S./Mexico)
- Mountains and outdoor recreation
Cons:
- Remote (5 hours to San Antonio, 7 hours to Dallas)
- Limited VA inpatient care (outpatient clinics only)
- Fewer job opportunities than major metros
- Lower salaries ($51K average)
- Extremely hot summers (100°F+ common)
- Limited entertainment compared to Houston/Dallas
- Ranks low nationally (#67) due to remoteness
Best For:
- Veterans separating from Fort Bliss (1st Armored Division)
- Budget-focused veterans and military retirees
- Border Patrol/CBP employees
- Veterans who love desert climate and outdoor recreation
- Bilingual veterans (Spanish valuable)
- Remote workers (low COL + remote salary = winning combo)
#8: Corpus Christi
Why It's #8:
Corpus Christi is a coastal city on the Gulf of Mexico with beach lifestyle, Naval Air Station, affordable housing, and relaxed pace. Ranks #74 nationally for veterans primarily due to smaller job market, but excellent quality of life for retirees and those seeking coastal living.
Housing Costs:
- Median home price: $280,000
- Rent (2BR): $1,300-$1,500/month
- 40% below Texas average
- Property tax rate: 1.89% (Nueces County)
Cost of Living:
- Overall: 91/100 (9% below national average)
- Groceries: 92/100
- Utilities: $150/month
Veteran Community:
- Veteran population: 18,000+ (6%)
- Naval Air Station Corpus Christi: "Birthplace of Naval Aviation," pilot training
- VFW/AL posts: 8+
- Coastal, laid-back veteran community
VA Healthcare Access:
- VA Texas Valley Coastal Bend Health Care System: Corpus Christi clinics
- Services: Primary care, mental health, limited specialty care
- Complex care: Travel to San Antonio (2.5 hours)
- Corpus Christi Vet Center: Available
- Community Care: Christus Spohn Health System
Employment:
- Unemployment: 4.5%
- Major employers: Naval Air Station Corpus Christi, Corpus Christi Army Depot, Port of Corpus Christi, oil refineries (Valero, Flint Hills, Citgo), Christus Spohn Health System, Driscoll Children's Hospital, tourism (beaches)
- Average salary: $52,000
- Limited job diversity (naval aviation, energy, tourism)
Quality of Life:
- Weather: Coastal—hot, humid summers (90-95°F), mild winters (60-70°F), hurricane risk
- Crime rate: Moderate (higher near port, safe in suburbs)
- Safe neighborhoods: Padre Island, Flour Bluff, Calallen, Annaville
- Schools: Corpus Christi ISD 5-6/10; Flour Bluff ISD, Calallen ISD 7-8/10
- Recreation: Beaches (Padre Island, Mustang Island), USS Lexington (aircraft carrier museum), Texas State Aquarium, fishing, water sports, sailing, South Padre Island (2 hours south)
- Culture: Beach town, relaxed, coastal lifestyle, Hispanic heritage
Pros:
- Gulf Coast beaches (Padre Island National Seashore)
- Naval Air Station Corpus Christi (pilot training)
- Affordable housing ($280K median)
- Low cost of living (9% below national average)
- Coastal lifestyle (fishing, boating, beaches)
- No state income tax
- 100% disabled: full property tax exemption ($5,322/year savings)
- Relaxed pace of life
Cons:
- Limited job opportunities outside naval aviation/energy
- VA specialty care requires San Antonio trip (2.5 hours)
- Hurricane risk (Hurricanes Harvey, Hanna)
- Lower salaries ($52K average)
- Hot, humid summers
- Ranks low nationally (#74) for veterans
Best For:
- Naval aviators/aviation maintenance veterans
- Retirees seeking beach lifestyle
- Veterans wanting affordable coastal living
- Remote workers (beach + low COL)
- Fishing/boating enthusiasts
#9: Plano (Dallas Suburb)
Why It's #9:
Plano is one of the best suburbs in America, ranking #11 nationally for veterans (WalletHub 2025). It offers excellent schools (Plano ISD 9/10), safe neighborhoods, corporate headquarters, high salaries, but expensive housing. Perfect for families and high-earning veterans.
Housing Costs:
- Median home price: $475,000
- Rent (2BR): $1,900-$2,200/month
- 3% above Texas average
- Property tax rate: 1.50% (Collin County)
Cost of Living:
- Overall: 109/100 (9% above national average)
Veteran Community:
- Veteran population: 15,000+ (5%)
- Proximity to Dallas VA (25 miles)
- Corporate veteran programs
VA Healthcare Access:
- Plano VA Clinic: In city
- Dallas VA Medical Center: 25 miles south
- Excellent Community Care access
Employment:
- Unemployment: 2.5%
- Major employers: Toyota North America (HQ), JPMorgan Chase, Frito-Lay (PepsiCo), HP Inc., Ericsson, Liberty Mutual, Capital One, Huawei
- Average salary: $75,000 (highest in Texas for veterans)
Quality of Life:
- Crime: Very low (safest major city in Texas)
- Schools: Plano ISD rated 9/10 (consistently top in state)
- Recreation: Legacy West (shopping/dining), Arbor Hills Nature Preserve
Pros:
- #11 nationally for veterans
- Safest major city in Texas
- Excellent schools (Plano ISD)
- Highest veteran salaries in Texas ($75K average)
- Corporate headquarters cluster
- No state income tax
- 100% disabled: full property tax exemption ($7,125/year savings)
Cons:
- Expensive housing ($475K median)
- Suburban sprawl (car-dependent)
- Less character than urban cores
- High property taxes if not 100% disabled
Best For:
- Families prioritizing top schools
- High-earning veterans ($80K+)
- Corporate professionals
- Veterans wanting safety and suburban lifestyle
#10: Lubbock
Why It's #10:
Lubbock is an affordable college town (Texas Tech University) in West Texas with low cost of living, strong veteran services at Texas Tech, and friendly community. Ranks #46 nationally for veterans. Remote location but good quality of life for those who prefer smaller cities.
Housing Costs:
- Median home price: $245,000
- Rent (2BR): $1,100-$1,300/month
- 47% below Texas average
- Property tax rate: 1.65% (Lubbock County)
Cost of Living:
- Overall: 85/100 (15% below national average)
Veteran Community:
- Veteran population: 12,000+ (6%)
- Texas Tech: 1,200+ student veterans
- Dyess AFB (Abilene, 90 miles east)
- VFW/AL posts: 6+
VA Healthcare Access:
- West Texas VA Healthcare System: Big Spring (90 miles southeast)
- Lubbock VA Clinic: In city
- Community Care: Covenant Health, University Medical Center
Employment:
- Unemployment: 3.2%
- Major employers: Texas Tech University (15,000+ employees), Texas Tech Health Sciences Center, Covenant Health, Lubbock ISD, agriculture (cotton, cattle)
- Average salary: $54,000
Quality of Life:
- Weather: Semi-arid—hot summers (95°F), cold winters (35°F), low humidity, dust storms
- Crime: Low
- Schools: Lubbock ISD 7/10, Frenship ISD 8/10
- Recreation: Texas Tech sports (Red Raiders—strong fan base), Buddy Holly Center, wineries (Texas wine country), Palo Duro Canyon (2 hours)
Pros:
- #46 nationally for veterans
- Very affordable ($245K median)
- Low cost of living (15% below national average)
- Texas Tech University (GI Bill + Hazlewood = free tuition)
- Safe, friendly community
- No state income tax
- 100% disabled: full property tax exemption ($4,043/year savings)
Cons:
- Remote (5 hours to DFW, 4 hours to Albuquerque)
- Limited job opportunities outside Texas Tech/healthcare
- VA hospital 90 miles away (clinic in city)
- Dust storms
- Lower salaries ($54K)
Best For:
- Texas Tech student veterans
- Veterans seeking affordable small-city living
- Retirees on fixed income
- Agriculture industry workers
#11: Amarillo
Why It's #11:
Amarillo is the northernmost Texas city in the Panhandle with lowest cost of living, friendly community, and small-city charm. Extremely affordable but very remote with limited VA services and job opportunities. Good for retirees seeking ultra-low costs.
Housing Costs:
- Median home price: $215,000
- Rent (2BR): $1,000-$1,200/month
- 54% below Texas average
Cost of Living:
- Overall: 82/100 (18% below national average—cheapest in Texas)
Veteran Community:
- Veteran population: 8,000+ (5%)
- Pantex Plant (nuclear weapons facility nearby)
VA Healthcare Access:
- Thomas E. Creek VA Medical Center: In city (6010 Amarillo Blvd W)
- Services: Primary care, mental health, limited specialty care
- Complex care: Oklahoma City (250 miles) or Albuquerque (290 miles)
Employment:
- Major employers: Pantex Plant, BNSF Railway, Tyson Foods, Northwest Texas Healthcare System
Pros:
- Cheapest major city in Texas ($215K median)
- Lowest cost of living (18% below national average)
- VA medical center in city
- No state income tax
- 100% disabled: full property tax exemption (~$3,870/year savings)
Cons:
- Extremely remote (6 hours to DFW)
- Very limited job opportunities
- Harsh winters (cold, wind, ice)
- Small city amenities only
Best For:
- Retirees on fixed income seeking ultra-low costs
- Remote workers
- Veterans who prefer small-town Panhandle living
#12: Laredo
Why It's #12:
Laredo is on the Texas-Mexico border with unique binational culture, low cost of living, but limited opportunities for veterans. Included for completeness as a border city option.
Housing Costs:
- Median home price: $220,000
- Rent (2BR): $1,000-$1,200/month
Cost of Living:
- Overall: 84/100 (16% below national average)
Veteran Community:
- Veteran population: 6,000+ (4%)
- Border Patrol / CBP major employer
VA Healthcare Access:
- Laredo VA Clinic: In city
- VA hospital: San Antonio (2.5 hours)
Employment:
- Major employers: Border Patrol/CBP, Laredo College, international trade/logistics
Pros:
- Very affordable ($220K median)
- Border Patrol employment opportunities
- Unique binational culture
- No state income tax
Cons:
- Limited job opportunities outside border security
- Remote (2.5 hours to San Antonio)
- Hot summers
- VA specialty care requires San Antonio trip
- Higher crime than most Texas cities
Best For:
- Border Patrol / CBP employees
- Bilingual veterans
- Budget-focused veterans
Cost of Living Comparison Table
| City | Median Home | Rent (2BR) | COL Index | Veteran % | VA Access |
|---|---|---|---|---|---|
| Austin | $499,000 | $2,100-$2,400 | 119 | 5% | Temple 60 min |
| San Antonio | $335,000 | $1,400-$1,650 | 93 | 8% | In city |
| Dallas | $439,999 | $1,800-$2,100 | 102 | 5% | In city |
| Houston | $370,990 | $1,600-$1,900 | 98 | 3% | In city |
| Fort Worth | $360,000 | $1,500-$1,800 | 96 | 6% | Dallas 35 min |
| Killeen | $268,000 | $1,300-$1,500 | 88 | 18% | Temple 20 min |
| El Paso | $245,000 | $1,100-$1,300 | 86 | 7% | Clinics in city |
| Corpus Christi | $280,000 | $1,300-$1,500 | 91 | 6% | Clinics/SA 2.5 hr |
| Plano | $475,000 | $1,900-$2,200 | 109 | 5% | Dallas 25 min |
| Lubbock | $245,000 | $1,100-$1,300 | 85 | 6% | Big Spring 90 min |
| Amarillo | $215,000 | $1,000-$1,200 | 82 | 5% | In city |
| Laredo | $220,000 | $1,000-$1,200 | 84 | 4% | SA 2.5 hours |
By Budget
Most Affordable Cities
- Amarillo: $215K median | 18% below national average | Panhandle
- Laredo: $220K | 16% below average | Border city
- Lubbock: $245K | 15% below average | West Texas college town
- El Paso: $245K | 14% below average | Fort Bliss area
Mid-Range
- Killeen: $268K
- Corpus Christi: $280K
- San Antonio: $335K
- Fort Worth: $360K
- Houston: $371K
Premium Cities
- Dallas: $440K
- Plano: $475K
- Austin: $499K
By Priority
Best for Job Opportunities
- Austin: Tech capital, state government, UT Austin (#1 nationally for veterans)
- Dallas: Corporate headquarters, finance, aviation
- Houston: Energy, medical, aerospace (most jobs by volume)
Best for Veteran Community
- San Antonio: 110,000+ veterans (8%), Joint Base San Antonio
- Killeen: 25,000+ veterans (18%), Fort Cavazos
- Dallas: 75,000+ veterans, strong corporate programs
Best for VA Healthcare Access
- Houston: Best VA in Texas (4 stars), Texas Medical Center
- San Antonio: In city, polytrauma/TBI center
- Dallas: In city, spinal cord injury center
Best for Families
- Plano: Top schools (9/10), safest major city
- San Antonio: Affordable, good schools in suburbs, family-friendly
- Fort Worth: Carroll ISD (10/10), Keller ISD (9/10)
Best for Military Retirees
- San Antonio: Most military-friendly city, 110K veterans, USAA
- Killeen: Fort Cavazos adjacent, 18% veteran population
- El Paso: Fort Bliss, affordable, 300 sunny days
Best for Affordability
- Amarillo: Cheapest major city ($215K)
- El Paso: $245K, Fort Bliss, lowest major city COL
- Lubbock: $245K, Texas Tech, college town
Financial Analysis
Home Ownership Costs (30-Year)
Austin ($499,000 home, 100% disabled veteran):
- Purchase price: $499,000
- Down payment (10%): $49,900
- Monthly mortgage (30-year, 7%): $2,989
- Property tax (monthly, 1.64% rate): $682
- If 100% disabled (full exemption): Save $682/month = $8,184/year
- Insurance: $200/month
- HOA: $50/month (average)
- Total monthly: $3,921 (or $3,239 with exemption)
- 30-year cost: $1,411,560 (or $1,166,040 with exemption)
- 30-year savings from exemption: $245,520
San Antonio ($335,000 home, 100% disabled):
- Purchase price: $335,000
- Down payment: $33,500
- Monthly mortgage: $2,006
- Property tax (monthly, 1.82% rate): $508
- If 100% disabled (full exemption): Save $508/month = $6,097/year
- Insurance: $170/month
- Total monthly: $2,684 (or $2,176 with exemption)
- 30-year cost: $966,240 (or $783,360 with exemption)
- 30-year savings from exemption: $182,880
El Paso ($245,000 home, 100% disabled):
- Purchase price: $245,000
- Down payment: $24,500
- Monthly mortgage: $1,467
- Property tax (monthly, 1.78% rate): $363
- If 100% disabled (full exemption): Save $363/month = $4,361/year
- Insurance: $130/month
- Total monthly: $1,960 (or $1,597 with exemption)
- 30-year cost: $705,600 (or $574,920 with exemption)
- 30-year savings from exemption: $130,680
Climate & Weather
Mildest Weather
- Corpus Christi: Coastal moderation, mild winters, sea breeze
- San Antonio: Hot summers but mild winters
Harshest Weather
- Amarillo: Cold winters, wind, ice storms, dust
- Lubbock: Semi-arid, dust storms, temperature swings
Best Weather
- El Paso: 300+ sunny days/year, dry desert climate, low humidity
- Austin: 300 sunny days, mild winters
Hurricane Risk
- Corpus Christi, Houston, Beaumont (coastal cities)
Crime & Safety
Safest Cities:
- Plano: Lowest crime of major Texas cities
- Suburban Fort Worth: Keller, Colleyville, Southlake
- Suburban San Antonio: Stone Oak, Alamo Heights
Higher Crime (but still manageable):
- Houston: Varies by neighborhood (suburban areas safe)
- Dallas: East Dallas higher crime; north Dallas/suburbs safe
- Killeen: Higher than average (military town dynamics)
What to Avoid
High Crime Neighborhoods:
- Dallas: East of I-35/South Dallas (avoid)
- Houston: Third Ward, Greenspoint (avoid)
- San Antonio: East/West sides (higher crime; stick to northwest/north-central)
Extreme Weather Without Planning:
- Coastal cities without flood insurance (Houston, Corpus Christi—hurricane risk)
- Amarillo without winter preparation (harsh winters)
VA Access Issues:
- Amarillo/Lubbock: Remote, limited specialty care
- Corpus Christi/Laredo: Complex care requires 2.5-hour San Antonio trip
Moving to Texas
One-Time Costs
- Moving truck (1,000 miles): $3,000-$5,000
- Deposit + first month rent: $3,000-$4,800 (varies by city)
- Utility hookups: $200
- Vehicle registration: $50-$80 (free if 50%+ disabled veteran)
- Driver's license: $33 (free if 60%+ disabled)
- Total: $6,283-$10,113
Best Time to Move
- Weather: March-May or September-November (avoid June-August heat)
- Housing market: Winter (less competition) or summer (more inventory)
- Avoid: June-August (extreme heat, especially moving day)
Establishing Residency
- Texas driver's license within 90 days (free if 60%+ disabled)
- Vehicle registration within 30 days (free if 50%+ disabled)
- Apply for property tax exemption immediately if 100% P&T (by April 30 deadline)
- Register to vote
- Update DFAS address (stop state income tax withholding)
Frequently Asked Questions
Q: What's the best city in Texas for veterans on a budget?
A: Amarillo ($215K median), El Paso ($245K), or Lubbock ($245K). All offer extremely affordable housing and low cost of living (14-18% below national average). El Paso has Fort Bliss, Lubbock has Texas Tech.
Q: Which city has the strongest veteran community?
A: San Antonio—110,000+ veterans (8% of population), Joint Base San Antonio (80,000 personnel), Military City USA designation, USAA headquarters. Killeen has highest veteran percentage (18%) but smaller absolute numbers (25,000).
Q: Is Austin worth the high cost for veterans?
A: If you're earning $70K+, yes—Austin ranks #1 nationally for veterans with best job market, UT Austin + Hazlewood Act (free tuition), highest quality of life. If you're 100% P&T disabled, full property tax exemption saves $8,184/year, making Austin more affordable. Otherwise, consider San Antonio (similar benefits, 32% cheaper).
Q: Can I work at military bases as a veteran?
A: Yes. Texas has 15+ major installations with extensive civilian employment. Fort Cavazos (65,000), Fort Bliss (90,000), and JBSA (80,000) all hire thousands of civilians. Check USAJOBS.gov with Veterans Preference filter.
Q: Which city is best for families with children?
A: Plano (#11 nationally)—safest major city, Plano ISD rated 9/10, high salaries ($75K average for vets). Also consider suburban Fort Worth (Carroll ISD 10/10, Keller ISD 9/10) or northwest San Antonio (Northside ISD 9/10) for excellent schools at lower cost.
Q: Where should I live if separating from Fort Cavazos?
A: Stay in Killeen area if you work on base as contractor (18% of residents are veterans, everyone understands military culture, $268K median home). Move to Austin (60 miles) if pursuing tech/state government career. San Antonio if wanting military culture + bigger city.
Q: Does living in Texas really offset the high housing costs?
A: For 100% disabled veterans, absolutely—full property tax exemption saves $4,000-$8,000+/year. Plus no income tax saves $2,000-$6,000/year on military retirement. Combined savings: $6,000-$14,000/year. Over 30 years: $180,000-$420,000. For others, the income tax savings alone ($2,000-$6,000/year) helps significantly.
Q: Which city has the best schools?
A: Plano (Plano ISD 9/10), suburban Fort Worth (Carroll ISD 10/10, Keller ISD 9/10), Frisco (Frisco ISD 9/10). Austin suburban districts (Round Rock ISD, Leander ISD) also excellent.
Q: What's the cost of living difference between Austin and El Paso?
A: Austin is 119/100 (19% above national avg), El Paso is 86/100 (14% below). Austin housing: $499K, El Paso: $245K. Difference: Austin costs 38% more for housing. However, Austin salaries are 21% higher ($62K vs. $51K veteran average), and job opportunities are vastly superior.
Q: Are there tech jobs in Texas for veterans?
A: Yes. Austin is a major tech hub—Dell, Apple, Tesla, Oracle, Google, Amazon, Samsung all have large campuses. Dallas has AT&T, Texas Instruments. Houston has energy tech. Cybersecurity roles are abundant (UT-San Antonio is top-ranked for cybersecurity). Many tech companies actively recruit veterans.
Q: Where's the best place to retire in Texas?
A: Depends on priorities:
- Military community: San Antonio (110K veterans, USAA, JBSA)
- Affordability: Amarillo ($215K), El Paso ($245K), Lubbock ($245K)
- Coastal lifestyle: Corpus Christi ($280K, beaches)
- Quality of life: Austin (if you can afford it)
Q: Does the Hazlewood Act work at all Texas public universities?
A: Yes—all Texas public universities and community colleges accept Hazlewood. UT Austin, Texas A&M, Texas Tech, UH, all 50+ community college districts. Worth up to $195,000 at UT Austin (150 credit hours x $1,300/hour).
Q: Can I transfer my property tax exemption when I move within Texas?
A: Yes, if you're 100% P&T disabled. The exemption is transferable to your new primary residence. If you sell your exempt home for $400K and buy a $500K home, the new home receives an 80% exemption ($400K/$500K). Proportional exemption.
Last updated: 2025. Housing prices and cost of living reflect 2024-2025 market conditions. Rankings based on WalletHub 2025 study.