Texas homeowners have less mortgage debt than the rest of the U.S. thanks to home prices below the national average, according to the Real Estate Center at Texas A&M University.

Since 1978, the price of a home in Texas purchased with a mortgage has averaged $161,000. That’s only 82 percent of the national average of $196,300 over the same period. As a result, Texas households typically have lower mortgage debt than the rest of the U.S., set aside less of their income for housing expenses, and pay lower costs and fees for mortgages.

Find more information about how Texans are saving on mortgage debt in the infographic below.

Infographic about mortgage debt in Texas compared to U.S.