WhereCanIAfford › Houston, TX › On $175,000

Is Houston, TX affordable on a $175,000 salary?

YES On $175,000/yr, the typical $305,001 home in Houston, TX needs $93,668/yr ($2,186/mo). Your gap: +$81,332 — housing would be 15% of your gross income.

The math

305,001 price − 10% down (30,500) = 274,501 loan
30-yr fixed at 6.95% on 274,501 = 1,817/mo principal+interest
+ 369/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,186/mo PITI ÷ 0.28 = 7,806/mo → 93,668/yr required

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

What salary WOULD clear Houston, TX?

You need about $93,668/yr for the typical home. On $175,000 you already clear it by $81,332.

On $150,000? On $200,000? On $225,000?

See the full Houston, TX affordability breakdown → or every metro you can afford on $175,000 →