How much house can I afford on $100,000 in Texas?
About $334,000 with 20% down ($270,000 with an FHA loan), using Texas's 1.32% property tax rate.
That is $37,709 more than the typical Texas home ($296,424), so a $100,000 salary can buy a typical home here. The payment of $2,333 covers $1,798 principal and interest, $368 property tax and $167 insurance.
Counties in Texas you can afford on $100,000
209 of 243 counties have a typical home value at or below $334,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Midland County | $329,884 | +1.7% | 1.23% |
| Bandera County | $328,128 | -2.5% | 0.88% |
| Brazoria County | $323,788 | -1.3% | 1.66% |
| Tarrant County | $318,481 | -0.8% | 1.65% |
| Cooke County | $318,246 | -0.8% | 1.19% |
| Medina County | $317,400 | -2.3% | 1.32% |
| Galveston County | $316,541 | -1.1% | 1.41% |
| Franklin County | $311,993 | +2.6% | 0.89% |
| Lampasas County | $311,545 | +1.9% | 1.17% |
| Brazos County | $310,538 | -0.2% | 1.54% |
| Dallas County | $304,821 | -1.6% | 1.58% |
| Leon County | $304,189 | +1.3% | 0.69% |
| Aransas County | $296,412 | -4.8% | 1.02% |
| Guadalupe County | $293,039 | -1.8% | 1.43% |
| Kaufman County | $292,707 | -3.8% | 1.68% |
| Colorado County | $291,555 | -3.7% | 1.05% |
| Rains County | $290,163 | +2.6% | 1.02% |
| Lavaca County | $289,905 | +1.4% | 0.89% |
| Palo Pinto County | $283,776 | +0.4% | 1.11% |
| Fannin County | $282,735 | -1.3% | 1.08% |
| Grayson County | $280,311 | -4.6% | 1.27% |
| Caldwell County | $280,021 | -5.1% | 1.35% |
| Real County | $279,435 | -1.1% | 1.07% |
| Madison County | $278,799 | -1.9% | 0.98% |
| Harris County | $276,524 | -2.0% | 1.62% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.32% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Texas
Frequently asked questions
How much house can I afford on $100,000 in Texas?
About $334,000 with 20% down at 7.11%, keeping the payment (with Texas's 1.32% property tax and insurance) under $2,333 a month.
Is $100,000 enough to buy a house in Texas?
Yes: the typical Texas home is worth $296,424 (Zillow, September 2026) and $100,000 supports about $334,000. 209 of 243 counties are within budget.