WhereCanIAfford › Austin, TX › On $450,000

Is Austin, TX affordable on a $450,000 salary?

YES On $450,000/yr, the typical $428,524 home in Austin, TX needs $126,339/yr ($2,948/mo). Your gap: +$323,661 — housing would be 7.9% of your gross income.

The math

428,524 price − 10% down (42,852) = 385,672 loan
30-yr fixed at 6.47% on 385,672 = 2,430/mo principal+interest
+ 518/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,948/mo PITI ÷ 0.28 = 10,528/mo → 126,339/yr required

against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).

What salary WOULD clear Austin, TX?

You need about $126,339/yr for the typical home. On $450,000 you already clear it by $323,661.

On $425,000? On $475,000? On $500,000?

See the full Austin, TX affordability breakdown → or every metro you can afford on $450,000 →