How much house can I afford on $80,000 in Texas?
About $267,000 with 20% down ($216,000 with an FHA loan), using Texas's 1.32% property tax rate.
That is $29,117 less than the typical Texas home ($296,424), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,439 principal and interest, $294 property tax and $134 insurance.
Counties in Texas you can afford on $80,000
175 of 243 counties have a typical home value at or below $267,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Burleson County | $265,577 | -0.5% | 0.95% |
| Hamilton County | $264,504 | +0.8% | 1.26% |
| Andrews County | $263,891 | +6.9% | 1.28% |
| Milam County | $263,672 | +1.1% | 0.99% |
| Randall County | $261,974 | +4.1% | 1.51% |
| Hartley County | $261,373 | +7.7% | 1.01% |
| Montague County | $260,206 | -2.0% | 0.92% |
| McLennan County | $257,622 | +0.4% | 1.42% |
| Hopkins County | $255,721 | -3.2% | 1% |
| Gonzales County | $253,175 | -6.2% | 1.31% |
| Irion County | $252,990 | -6.3% | 0.7% |
| Ector County | $252,414 | +3.8% | 1.27% |
| Martin County | $251,649 | +1.8% | 0.91% |
| Bexar County | $250,969 | -2.3% | 1.73% |
| Bell County | $247,929 | -1.9% | 1.44% |
| Armstrong County | $245,373 | +9.5% | 1.23% |
| Atascosa County | $242,697 | +0.6% | 1.29% |
| Wharton County | $242,430 | +1.9% | 1.52% |
| Bosque County | $240,511 | +0.7% | 0.98% |
| Gaines County | $240,166 | +2.4% | 1.57% |
| San Jacinto County | $239,361 | -3.4% | 0.99% |
| Archer County | $239,118 | +5.4% | 1.21% |
| Upshur County | $235,784 | +1.2% | 1.19% |
| Comanche County | $235,551 | +6.1% | 1.35% |
| Cherokee County | $233,774 | -1.0% | 1.16% |
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 $80,000 in Texas?
About $267,000 with 20% down at 7.11%, keeping the payment (with Texas's 1.32% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Texas?
Not the typical home: the typical Texas home is worth $296,424 (Zillow, September 2026) and $80,000 supports about $267,000. 175 of 243 counties are within budget.