When choosing where to live, housing costs are one thing. How much you earn is another.

SmartAssets, an online financial model builder, calculated the total cost of five expenses associated with owning a home in an effort to determine the most affordable cities in the country. Those expenses included such things as mortgage payments and property taxes over 5 years, median income levels, etc. Additionally, SmartAssets factored in how long the person wwas planning on living in a particular location, how a person’s life style was affected by a particular location and whether or not a particular home would “grow” with the growth of a particular family.

Here are SmartAssets’ 2018 most affordable places in the US.

  1. Pecos, Texas
    1. Average annual mortgage payment – $2,057
    2. Annual property tax – $735
    3. Median income – $51,364
  2. Kermit, Texas
    1. Average annual mortgage payment – $2,163
    2. Annual property tax – $582
    3. Median income – $50,321
  3. Federal Heights, Colorado
    1. Average annual mortgage payment – $1,927
    2. Annual property tax – $438
    3. Median Income – $37,474
  4. Holbrook, Arizona
    1. Average annual mortgage payment – $3,593
    2. Annual property tax – $559
    3. Median income – $51,192
  5. Shamokin, Pennsylvania
    1. Average annual mortgage payment – $1,763
    2. Annual property tax – $687
    3. Median income – $30,925
  6. Progresso, Texas
    1. Average annual mortgage payment -$2,355
    2. Annual property tax – $1,012
    3. Median income – $43,355
  7. Blackwell, Oklahoma
    1. Average annual mortgage payment – $2,399
    2. Annual property tax -$368
    3. Median income
  8. Alexandria, Indiana
    1. Average Annual Mortgage Payment – $3,319
    2. Annual property tax – $792
    3. Median Income – $48,672
  9. Cusseta, Georgia
    1. Average annual mortgage payment – $3,062
    2. Annual property tax – $644
    3. Median Income

10. Conley, Georgia

  1. Average annual mortgage payment – $2,744
  2. Annual property tax – $358
  3. Median Income – $37,825