How much house can I afford on $60,000 in Texas?
About $200,000 with 20% down ($162,000 with an FHA loan), using Texas's 1.32% property tax rate.
That is $95,944 less than the typical Texas home ($296,424), so on $60,000 you'd look at cheaper areas or a smaller home. The payment of $1,400 covers $1,079 principal and interest, $221 property tax and $100 insurance.
Counties in Texas you can afford on $60,000
105 of 243 counties have a typical home value at or below $200,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Crane County | $200,382 | +1.3% | 1.04% |
| Angelina County | $198,763 | -1.2% | 1.09% |
| Bowie County | $194,510 | +2.3% | 1.18% |
| Hidalgo County | $188,974 | -0.4% | 1.62% |
| Orange County | $188,637 | +3.5% | 1.24% |
| Moore County | $187,666 | +4.0% | 1.3% |
| Brown County | $186,630 | -0.1% | 1.11% |
| Jasper County | $185,799 | -3.5% | 0.97% |
| Uvalde County | $185,698 | -6.6% | 1.44% |
| Ward County | $185,065 | -0.7% | 0.64% |
| Yoakum County | $183,995 | -4.6% | 0.94% |
| Young County | $180,983 | -1.4% | 1.11% |
| Reeves County | $178,752 | +5.0% | 1.08% |
| Sterling County | $176,839 | -2.8% | 1.29% |
| Jefferson County | $176,616 | +4.1% | 1.53% |
| Polk County | $174,922 | -4.6% | 0.9% |
| Limestone County | $174,480 | -2.1% | 1.19% |
| Parmer County | $173,393 | +10.7% | 1.28% |
| Willacy County | $173,352 | -3.2% | 1.68% |
| Tyler County | $172,727 | +2.4% | 0.89% |
| Deaf Smith County | $172,414 | -1.8% | 1.48% |
| Hemphill County | $171,727 | +11.7% | 1.16% |
| Red River County | $170,667 | +10.4% | 1.01% |
| Wichita County | $169,452 | +2.1% | 1.64% |
| Trinity County | $169,177 | -5.5% | 1.06% |
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 $60,000 in Texas?
About $200,000 with 20% down at 7.11%, keeping the payment (with Texas's 1.32% property tax and insurance) under $1,400 a month.
Is $60,000 enough to buy a house in Texas?
Not the typical home: the typical Texas home is worth $296,424 (Zillow, September 2026) and $60,000 supports about $200,000. 105 of 243 counties are within budget.