House Affordability in Texas (2026)
How much house can I afford in Texas?
On a $75K salary in Texas, you can afford a home up to $250,000. The median home costs $305,000. With no state income tax, Texas buyers keep more take-home pay.
Property tax averages 1.67%. Best affordable areas: San Antonio, Houston suburbs, Austin suburbs. Of the salary levels below, $100K has the strongest position relative to the state median (1.10× the median home price).
Median Home
$305,000
Property Tax
1.67%
Income Tax
None ✅
Cost of Living
Below Avg
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United States only: State income tax, property tax and median home price figures are US state-level estimates.
State data assumptions (2026-01): State figures are estimates, not statutory lookups: state income tax uses a single effective rate (states with progressive brackets are approximated for a $50k–$100k salary, not the top marginal rate), and property tax, insurance and median home price are statewide averages. Federal tax and FICA come from the 2026 federal engine.
Salary → House Affordability in Texas
| Salary | Max Home | Monthly Cost | Take-Home | Verdict |
|---|---|---|---|---|
| $50K | $167,000 | $1,166 | $3,530 | Difficult |
| $75K | $250,000 | $1,747 | $5,133 | Tight |
| $100K | $334,000 | $2,335 | $6,598 | Comfortable |
What Homebuyers Experience in Texas
Texas has no state income tax, which means your take-home pay is significantly higher. However, Texas makes up for it with some of the highest property taxes in the nation (1.67% average). This means you can afford a more expensive home on paper, but your monthly payment will be higher than states with low property taxes. The Houston and Dallas–Fort Worth metros offer excellent value with growing job markets.
Best cities for buyers: San Antonio, Houston suburbs, Austin suburbs, Dallas–Fort Worth.
Detailed Breakdowns by Salary in Texas
Max home: $167,000 · Difficult
Max home: $250,000 · Tight
Max home: $334,000 · Comfortable
Compare by Salary Level
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Estimates follow standard financial planning rules (28% DTI ratio) using 2026 IRS brackets, Texas tax rates, and current median home prices.