Home Affordability by Income

What can you afford on a $130,000 salary?

A baseline estimate for a household earning $130,000 a year gross, assuming typical monthly debts and expenses, a $40,000 down payment, a 740-759 credit score, and Texas's property tax and insurance rates as a default reference point. Every one of these assumptions is editable — the full calculator below opens pre-filled with these exact numbers.