WhereCanIAfford › Houston, TX › On $200,000

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

YES On $200,000/yr, the typical $302,832 home in Houston, TX needs $94,811/yr ($2,212/mo). Your gap: +$105,189 — housing would be 13.3% of your gross income.

The math

302,832 price − 10% down (30,283) = 272,549 loan
30-yr fixed at 7.18% on 272,549 = 1,846/mo principal+interest
+ 366/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,212/mo PITI ÷ 0.28 = 7,901/mo → 94,811/yr required

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

What salary WOULD clear Houston, TX?

You need about $94,811/yr for the typical home. On $200,000 you already clear it by $105,189.

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

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