WhereCanIAfford › Austin, TX › On $200,000

Is Austin, TX affordable on a $200,000 salary?

YES On $200,000/yr, the typical $414,273 home in Austin, TX needs $129,702/yr ($3,026/mo). Your gap: +$70,298 — housing would be 18.2% of your gross income.

The math

414,273 price − 10% down (41,427) = 372,846 loan
30-yr fixed at 7.18% on 372,846 = 2,526/mo principal+interest
+ 501/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,026/mo PITI ÷ 0.28 = 10,808/mo → 129,702/yr required

against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).

What salary WOULD clear Austin, TX?

You need about $129,702/yr for the typical home. On $200,000 you already clear it by $70,298.

On $175,000? On $225,000? On $250,000?

See the full Austin, TX affordability breakdown → or every metro you can afford on $200,000 →