WhereCanIAffordHouston, TX › On $4,075,000

Is Houston, TX affordable on a $4,075,000 salary?

YES On $4,075,000/yr, the typical $308,306 home in Houston, TX needs $91,052/yr ($2,125/mo). Your gap: +$3,983,948 — housing would be 0.6% of your gross income.

The math

308,306 price − 10% down (30,831) = 277,475 loan
30-yr fixed at 6.49% on 277,475 = 1,752/mo principal+interest
+ 373/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,125/mo PITI ÷ 0.28 = 7,588/mo → 91,052/yr required

against Zillow ZHVI 2026-05 and the 6.49% FRED 30-yr rate (2026-06-25).

What salary WOULD clear Houston, TX?

You need about $91,052/yr for the typical home. On $4,075,000 you already clear it by $3,983,948.

On $4,050,000? On $4,100,000? On $4,125,000?

See the full Houston, TX affordability breakdown → or every metro you can afford on $4,075,000 →