Best In Land Real Estate™
2026-09-23
🏆 85.9% of Homes Free and Clear — ALEX Intelligence, 2026
What does it mean when nearly every home in a U.S. county is owned free and clear? It’s not about wealth—it’s about survival, autonomy, and a system that never served them. The data from ALEX Intelligence’s latest report shows Orocovis Municipio leads the nation in full homeownership, with 85.9% of homes carried without a mortgage. This isn’t a sign of prosperity—it’s a reflection of financial exclusion. In rural America, where banks pull back and credit is scarce, owning free and clear is a strategic adaptation, not a privilege.
For multi-state land investors in Texas, North Carolina, Colorado, and Alabama, this reveals a critical truth: true land value isn’t just in soil or location—it’s in control. When people can’t access credit, they don’t take it. That means ownership is deeply entrenched, and markets are less vulnerable to foreclosure or refinancing shocks.
The full report: https://alex-companies.com/data/2026-09-23-land-land-free-and-clear-county-us-rural
Top Counties with Highest Percentage of Homes Owned Free and Clear (ALEX Intelligence — 2026)
#1 Orocovis Municipio <- this market
#2 Aguada Municipio
#3 Wyoming County
#4 Lajas Municipio
#5 Utuado Municipio
#6 Yabucoa Municipio
#7 Mingo County
#8 Lares Municipio
#9 Marlboro County
#10 Aguas Buenas Municipio
Source: https://alex-companies.com/data/2026-09-23-land-land-free-and-clear-county-us-rural
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Real Estate Strategy & Intelligence Leader. Democratized Blue Ocean Strategist & Operator.
Diane Hart Alexander, MBA, MHA
Chair & CEO, ALEX Companies
Designated Broker, Alexander Tiffany Southwest, LLC dba ALEX.realestate, et.al.
Texas License #574877-B · Broker License #565194-BB
[email protected] · +1 713.591.9902
Source data: Source: U.S. Census Bureau, American Community Survey 5-Year Estimates, 2024 · ALEX Intelligence computation
Licensed by the Texas Real Estate Commission. Broker: Alexander Tiffany Southwest, LLC · License #565194-BB.
Diane Hart Alexander, Chair & CEO, ALEX Companies · Designated Broker · #574877-B · George Arnold Alexander III, Director, ALEX Companies · Associate Broker · #574878-B
Texas Real Estate Commission Information About Brokerage Services · TREC Consumer Protection Notice · trec.texas.gov
Diane Hart Alexander, Chair & CEO, ALEX Companies · Designated Broker · #574877-B · George Arnold Alexander III, Director, ALEX Companies · Associate Broker · #574878-B
Texas Real Estate Commission Information About Brokerage Services · TREC Consumer Protection Notice · trec.texas.gov



