How much house can I afford on $70,000 in Texas?
About $234,000 with 20% down ($189,000 with an FHA loan), using Texas's 1.32% property tax rate.
That is $62,531 less than the typical Texas home ($296,424), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,259 principal and interest, $258 property tax and $117 insurance.
Counties in Texas you can afford on $70,000
151 of 243 counties have a typical home value at or below $234,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cherokee County | $233,774 | -1.0% | 1.16% |
| Liberty County | $233,304 | -3.2% | 1.17% |
| El Paso County | $233,084 | +2.5% | 2.03% |
| Hardin County | $230,858 | +2.2% | 1.09% |
| Hill County | $229,092 | +0.7% | 1.16% |
| Taylor County | $228,744 | +9.9% | 1.37% |
| Jack County | $228,017 | +0.0% | 0.98% |
| Navarro County | $227,542 | +1.7% | 1.2% |
| Freestone County | $227,480 | -2.3% | 0.94% |
| Tom Green County | $227,293 | -4.6% | 1.29% |
| Titus County | $225,677 | -1.5% | 1.2% |
| Nueces County | $225,135 | +0.6% | 1.59% |
| Coryell County | $224,581 | +0.7% | 1.36% |
| Nacogdoches County | $223,276 | +5.0% | 0.83% |
| Callahan County | $221,876 | +8.3% | 0.91% |
| Gregg County | $221,780 | +0.3% | 1.16% |
| Presidio County | $221,257 | -0.0% | 1.24% |
| Shelby County | $219,980 | -4.8% | 1.01% |
| Victoria County | $216,406 | +1.3% | 1.46% |
| Anderson County | $215,774 | +4.0% | 0.92% |
| Maverick County | $215,361 | -5.6% | 1.25% |
| Webb County | $215,260 | +2.0% | 1.8% |
| De Witt County | $215,233 | -2.2% | 0.86% |
| Lubbock County | $214,560 | +2.5% | 1.51% |
| Rusk County | $211,254 | +4.7% | 1.05% |
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 $70,000 in Texas?
About $234,000 with 20% down at 7.11%, keeping the payment (with Texas's 1.32% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Texas?
Not the typical home: the typical Texas home is worth $296,424 (Zillow, September 2026) and $70,000 supports about $234,000. 151 of 243 counties are within budget.