Mortgage Calculators Texas

How Much House Can I Afford in Texas?

Find out how much house you can afford in Texas with 1.8% property tax. Uses 28/36 rule with Texas-specific data.

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Texas Quick Facts

None Income Tax Rate

1.80% Property Tax Rate

$67,321 Median Income

93.9 Cost of Living

How This Calculator Works

Calculation methodology and assumptions

Calculates home affordability in Texas using the 28/36 rule. Maximum 28% of gross monthly income for housing (PITI). Includes Texas's effective property tax rate of 1.8% and average home insurance of $3,600/year. Median home price in Texas: $310,000.

Key State Information

Texas housing market: Median home price $310,000 | Property tax rate 1.8% | Avg home insurance $3,600/yr | Median household income $67,321. Home prices are moderate relative to income.

Standard financial formulas Pre-filled with real state data Estimates only — not financial advice

Data Source

Census Bureau, Zillow, Tax Foundation

View Original Source | Verified 2024-12-01 | Updated annually

Frequently Asked Questions

How much house can I afford on the median income in Texas?

With Texas's median household income of $67,321 and a 10% down payment, you can typically afford a home priced around $235,624-$302,945 depending on debts and interest rates. The median home in Texas costs $310,000.

What is the property tax rate in Texas?

Texas's effective property tax rate is 1.8%. On a $310,000 home, that's approximately $5,580/year or $465/month.