Austin, TX home prices
Typical home $414,273 · -4.3% in a year · income needed $126,300
The Austin, TX metro area ranks 133 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -4.3% in a year and -14.2% over five years. With 20% down at 7.11%, the typical home costs about $2,947 a month including 1.48% property tax (Travis County rate).
Mortgage on the typical Austin home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $82,855 | $331,419 | $2,229 | $0 | $717 | $2,947 | $126,300 |
| 10% down | $41,427 | $372,846 | $2,508 | $155 | $717 | $3,381 | $144,900 |
| 5% down | $20,714 | $393,560 | $2,648 | $164 | $717 | $3,529 | $151,200 |
| 3.5% down (FHA) | $14,500 | $406,770 | $2,736 | $183 | $717 | $3,637 | $155,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.48% 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.
Counties in the Austin area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Travis County, TX | $461,123 | -3.6% | 1.48% |
| Williamson County, TX | $394,699 | -4.8% | 1.61% |
| Hays County, TX | $366,672 | -3.4% | 1.66% |
| Bastrop County, TX | $351,578 | -4.6% | 1.41% |
| Caldwell County, TX | $280,021 | -5.1% | 1.35% |
What can you afford in Texas on your salary? · Texas home prices · Salaries in Texas
Frequently asked questions
How much is a house in Austin?
The typical home in the Austin, TX metro area is worth $414,273 (Zillow, September 2026).
What salary do you need to buy a house in Austin?
About $126,300 a year for the typical home with 20% down at 7.11%.