How much house can I afford in Texas on $90k?
About $2,100 a month at 28% gross. That often supports a home near $280k–$320k with 20% down at 6.5% — more in cheaper metros.
Living · Texas
How Much House Can You Afford in Texas?
Texas has no state income tax, which boosts take-home pay. Property tax is among the highest in the US, so the full PITI still matters. Use the calculator with Texas tax and insurance defaults. Then open a city page for local median prices.
Texas at a glance
$345,000Median home price (approx.)
$72,000Median household income
1.6%Typical property tax rate
On a $345,000 home, tax near 1.6% is about $460/month. Insurance near 0.4% of value is about $115/month. HOA is about $75/month where it applies.
Texas has no state income tax, so take-home pay helps. Property tax near 1.6% still pulls $400–$600 a month on a $350k home.
Compare with California: Higher prices on the coast but income tax shrinks net pay.
Living costs in Texas
Home price is one line. Rent, groceries, tax, and salary needs shape whether a payment feels comfortable.
Top cities in Texas
Median price and income vary a lot inside one state. Pick your city for local tax, insurance, and a prefilled calculator.
| City | Median price | Median income | Pressure |
|---|---|---|---|
| Houston | $310,000 | $68,000 | Moderate — prices stay below many coastal metros. |
| Dallas | $385,000 | $75,000 | Moderate to high — growth pushed prices in some suburbs. |
| Austin | $485,000 | $88,000 | Higher than Houston — tech wages help but list prices rose quickly. |
FAQ — Texas
Why is Texas property tax so high?
Texas funds schools and local services largely through property tax instead of state income tax.
Is buying better than renting in Texas?
Often after 5–7 years in stable markets. Run your stay and rate in the rent vs buy tool.