Texas Home Affordability Calculator
Get an instant estimate based on your income, debt, and Texas property tax and insurance costs.
$70,000
$20K$500K
$20,000
$0$200K
$500
$0$5,000
6.18%
2.00%10.00%
You can afford
$179,731
with a monthly payment of $1,484/mo
Principal & Interest
$976
Property Taxes
$150
Home Insurance
$291
PMI
$67
Loan Amount$159,731
Down Payment$20,000 (11%)
Loan Term30 years
Estimates based on the 28% DTI rule, a 2.0% Texas property tax rate (2025 median for major Texas cities, before the homestead exemption, which can lower it), and insurance at $291/mo (Texas Department of Insurance 2025 statewide average). Actual amounts vary.
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