WhereCanIAfford › Houston, TX › On $450,000

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

YES On $450,000/yr, the typical $308,933 home in Houston, TX needs $92,811/yr ($2,166/mo). Your gap: +$357,189 — housing would be 5.8% of your gross income.

The math

308,933 price − 10% down (30,893) = 278,040 loan
30-yr fixed at 6.69% on 278,040 = 1,792/mo principal+interest
+ 373/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,166/mo PITI ÷ 0.28 = 7,734/mo → 92,811/yr required

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

What salary WOULD clear Houston, TX?

You need about $92,811/yr for the typical home. On $450,000 you already clear it by $357,189.

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

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