WhereCanIAfford › El Paso, TX › On $200,000

Is El Paso, TX affordable on a $200,000 salary?

YES On $200,000/yr, the typical $233,297 home in El Paso, TX needs $70,088/yr ($1,635/mo). Your gap: +$129,912 — housing would be 9.8% of your gross income.

The math

233,297 price − 10% down (23,330) = 209,967 loan
30-yr fixed at 6.69% on 209,967 = 1,353/mo principal+interest
+ 282/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,635/mo PITI ÷ 0.28 = 5,841/mo → 70,088/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear El Paso, TX?

You need about $70,088/yr for the typical home. On $200,000 you already clear it by $129,912.

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

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