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What can you afford in Texas?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Texas's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Texas's effective property tax rate is around 1.40% of home value per year — the 7th highest in the country. Average homeowner's insurance runs near $4,644/year on a $300,000 home — the 4th highest and a state where premiums have been rising quickly due to weather- and insurer-availability pressure.
Comfortable
$223,832
Stretch
$281,500
Risky ceiling
$309,314
A lender would likely approve up to $309,314 on this baseline in Texas — but this household's own budget, once real expenses are counted, can only sustain $281,500. That $27,814 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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