How much house can I afford in Austin on $100k?
About $2,333 a month at 28%. That often supports $320k–$380k with 20% down.
Austin · Texas
How Much House Can You Afford in Austin?
Median home near $485,000. Typical household income near $88,000. Higher than Houston — tech wages help but list prices rose quickly. Calculator below uses Austin tax and insurance defaults.
Local numbers for Austin
$485,000Median home price
$151,562+Rough gross income for median home (3× rule)
1.55%Property tax (effective)
0.4%Insurance (of home value / yr)
On a median $485,000 home, tax near 1.55% is about $626/month. Insurance near 0.4% is about $161/month. HOA near $120/month where it applies.
Tech layoffs and remote work shifted demand. Median price is still above Houston and San Antonio.
Affordability in Austin: local context
Austin prices rose fast with tech and migration. Median near $485k is still below California coasts but above Houston.
Tech wages near $88k median help, but list prices in popular zip codes outran income for some buyers. Look at suburbs and satellite towns if you are Stretched.
Property tax near 1.55% plus HOA in many new builds. Run the calculator with both — not mortgage alone.
Remote workers sometimes keep coastal salaries while buying in Austin. If that is you, still model a pay cut scenario before you max out.
FAQ — Austin
Is Austin still a seller’s market?
It varies by zip. Run your offer against the calculator max, not the list price alone.