Houston, TX home prices
Typical home $302,832 · -1.8% in a year · income needed $93,900
The Houston, TX metro area ranks 316 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.8% in a year and +11.4% over five years. With 20% down at 7.11%, the typical home costs about $2,191 a month including 1.62% property tax (Harris County rate).
Mortgage on the typical Houston home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $60,566 | $242,265 | $1,630 | $0 | $561 | $2,191 | $93,900 |
| 10% down | $30,283 | $272,548 | $1,833 | $114 | $561 | $2,508 | $107,500 |
| 5% down | $15,142 | $287,690 | $1,935 | $120 | $561 | $2,616 | $112,100 |
| 3.5% down (FHA) | $10,599 | $297,347 | $2,000 | $134 | $561 | $2,695 | $115,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.62% 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 Houston area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Harris County, TX | $276,524 | -2.0% | 1.62% |
| Fort Bend County, TX | $374,185 | -2.1% | 1.86% |
| Montgomery County, TX | $340,504 | -1.4% | 1.52% |
| Brazoria County, TX | $323,788 | -1.3% | 1.66% |
| Galveston County, TX | $316,541 | -1.1% | 1.41% |
| Liberty County, TX | $233,304 | -3.2% | 1.17% |
| Waller County, TX | $358,663 | -1.8% | 1.27% |
| Chambers County, TX | $348,474 | +0.4% | 1.05% |
| Austin County, TX | $420,802 | +0.2% | 1.16% |
What can you afford in Texas on your salary? · Texas home prices · Salaries in Texas
Frequently asked questions
How much is a house in Houston?
The typical home in the Houston, TX metro area is worth $302,832 (Zillow, September 2026).
What salary do you need to buy a house in Houston?
About $93,900 a year for the typical home with 20% down at 7.11%.