WhereCanIAfford › Austin, TX › On $150,000

Is Austin, TX affordable on a $150,000 salary?

YES On $150,000/yr, the typical $417,977 home in Austin, TX needs $128,364/yr ($2,995/mo). Your gap: +$21,636 — housing would be 24% of your gross income.

The math

417,977 price − 10% down (41,798) = 376,179 loan
30-yr fixed at 6.95% on 376,179 = 2,490/mo principal+interest
+ 505/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,995/mo PITI ÷ 0.28 = 10,697/mo → 128,364/yr required

against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).

What salary WOULD clear Austin, TX?

You need about $128,364/yr for the typical home. On $150,000 you already clear it by $21,636.

On $125,000? On $175,000? On $200,000?

See the full Austin, TX affordability breakdown → or every metro you can afford on $150,000 →