How much house can I afford on $50,000 in Texas?
About $167,000 with 20% down ($135,000 with an FHA loan), using Texas's 1.32% property tax rate.
That is $129,357 less than the typical Texas home ($296,424), so on $50,000 you'd look at cheaper areas or a smaller home. The payment of $1,167 covers $899 principal and interest, $184 property tax and $84 insurance.
Counties in Texas you can afford on $50,000
79 of 243 counties have a typical home value at or below $167,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Carson County | $166,359 | +4.9% | 1.19% |
| Frio County | $166,174 | +1.4% | 1.55% |
| Hockley County | $165,559 | +1.3% | 1.39% |
| Sherman County | $164,797 | +6.6% | 1.72% |
| Cass County | $161,748 | -0.9% | 0.94% |
| Shackelford County | $161,294 | +1.4% | 1.15% |
| McCulloch County | $161,246 | +8.0% | 0.99% |
| Briscoe County | $161,037 | +12.9% | 1.09% |
| Reagan County | $160,753 | -11.6% | 0.92% |
| Morris County | $159,064 | -2.1% | 1.1% |
| Bee County | $158,126 | -2.4% | 1.45% |
| Jones County | $157,714 | +9.6% | 1.59% |
| Newton County | $155,255 | +7.3% | 0.82% |
| Dallam County | $154,785 | +5.0% | 1.15% |
| Stephens County | $154,661 | +0.7% | 1.48% |
| Culberson County | $154,316 | +13.8% | 0.97% |
| Pecos County | $153,302 | -1.1% | 1.03% |
| Eastland County | $148,997 | +0.6% | 1.08% |
| Concho County | $148,501 | -1.0% | 1.68% |
| Potter County | $147,877 | +4.1% | 1.46% |
| Coke County | $147,025 | +6.0% | 1.16% |
| Marion County | $146,312 | -1.5% | 0.74% |
| Kleberg County | $145,523 | -1.1% | 1.47% |
| Scurry County | $144,049 | +2.9% | 1.27% |
| Starr County | $144,023 | +1.6% | 1.14% |
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 $50,000 in Texas?
About $167,000 with 20% down at 7.11%, keeping the payment (with Texas's 1.32% property tax and insurance) under $1,167 a month.
Is $50,000 enough to buy a house in Texas?
Not the typical home: the typical Texas home is worth $296,424 (Zillow, September 2026) and $50,000 supports about $167,000. 79 of 243 counties are within budget.