Three Texas cities placed in the top 10 most affordable places to live in the U.S. according SmartAsset and its affordability index.

Kermit, Texas was deemed the most affordable with a score of 100, followed by Pecos, Texas at 98.84. Sweetwater, Texas came in 10th at 95.99.

The index took into account closing costs, real estate taxes, homeowners insurance and mortgage rates.

Specifically, we found the total cost over five years of these four expenses—closing costs, taxes, insurance and mortgage payments—for the average home in every county in the U.S., and every city with a population greater than 5,000. We then took that five-year cost as a proportion of median household income in each county and city to determine affordability.

The most affordable cities and counties were those in which total housing costs on an average house accounted for the smallest proportion of the median income.

To look at the full list and an interactive map, click below.

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