Best In Land Real Estate™
2026-10-15
Shelby County, Texas leads the state in homes owned free and clear—71.6% of all homes carry no mortgage. This isn’t just a statistic; it’s a structural shift in rural property ownership. In a time of high interest rates and financial uncertainty, the ability to own outright is a competitive advantage. This data comes directly from ALEX Intelligence’s exclusive analysis of the U.S. Census Bureau’s 2024 American Community Survey 5-Year Estimates. https://alex-companies.com/data/2026-10-15-land-land-free-and-clear-county-tx-rural
This trend reflects a deeper reality: in rural Texas, land is not just real estate—it’s financial sovereignty. As buyers prioritize long-term stability over leverage, free-and-clear ownership is becoming a hallmark of sustainable rural wealth. How does this model compare to your region’s land market?
Homes Owned Free and Clear, top 10 (ALEX Intelligence — U.S. Census Bureau 2024)
#1 Shelby County — 71.6%
#2 Willacy County — 71.0%
#3 Uvalde County — 69.5%
#4 DeWitt County — 68.3%
#5 Limestone County — 68.0%
#6 Jasper County — 68.0%
#7 Bee County — 66.8%
#8 Houston County — 65.8%
#9 Fayette County — 65.4%
#10 Hale County — 65.1%
Photos via Wikimedia Commons: Slide 1: ElToAn123 (CC BY-SA 4.0) https://commons.wikimedia.org/?curid=151249860; Slide 2: md. childress (CC BY 3.0) https://commons.wikimedia.org/?curid=56390904; Slide 3: ElToAn123 (CC BY-SA 4.0) https://commons.wikimedia.org/?curid=131717585; Slide 4: ruthdaniel3444 (CC BY 2.0) https://commons.wikimedia.org/?curid=96235175
Source: https://alex-companies.com/data/2026-10-15-land-land-free-and-clear-county-tx-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



