5. Sherman or Denison, Texas
If you’re looking for small towns where living costs are around 22% lower than the national average and where you can find homes starting at $77,500, then North of the Dallas-Fort Worth Metroplex, Sherman and Denison maybe some of the best options. As a natural treasure, here you can find Hagerman National Wildlife Refuge as well as Lake Texoma. Medical facilities are also available at Texoma Medical Center, situated between the two cities.