How much house can I afford on $90,000 in Texas?
About $301,000 with 20% down ($243,000 with an FHA loan), using Texas's 1.32% property tax rate.
That is $4,296 more than the typical Texas home ($296,424), so a $90,000 salary can buy a typical home here. The payment of $2,100 covers $1,618 principal and interest, $331 property tax and $150 insurance.
Counties in Texas you can afford on $90,000
197 of 243 counties have a typical home value at or below $301,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Van Zandt County | $276,416 | -0.1% | 1.03% |
| Glasscock County | $275,886 | +5.8% | 0.55% |
| Walker County | $274,264 | +0.3% | 1.18% |
| Hunt County | $271,566 | -2.3% | 1.24% |
| Robertson County | $270,893 | +2.7% | 1.01% |
| Wood County | $270,056 | -1.8% | 0.88% |
| Goliad County | $268,136 | +3.2% | 0.94% |
| Smith County | $267,840 | -0.3% | 1.16% |
| Henderson County | $267,629 | -1.5% | 0.94% |
| Burleson County | $265,577 | -0.5% | 0.95% |
| Hamilton County | $264,504 | +0.8% | 1.26% |
| Andrews County | $263,891 | +6.9% | 1.28% |
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 $90,000 in Texas?
About $301,000 with 20% down at 7.11%, keeping the payment (with Texas's 1.32% property tax and insurance) under $2,100 a month.
Is $90,000 enough to buy a house in Texas?
Yes: the typical Texas home is worth $296,424 (Zillow, September 2026) and $90,000 supports about $301,000. 197 of 243 counties are within budget.