WhereCanIAfford › Killeen, TX › On $175,000

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

YES On $175,000/yr, the typical $250,457 home in Killeen, TX needs $76,917/yr ($1,795/mo). Your gap: +$98,083 — housing would be 12.3% of your gross income.

The math

250,457 price − 10% down (25,046) = 225,411 loan
30-yr fixed at 6.95% on 225,411 = 1,492/mo principal+interest
+ 303/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,795/mo PITI ÷ 0.28 = 6,410/mo → 76,917/yr required

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

What salary WOULD clear Killeen, TX?

You need about $76,917/yr for the typical home. On $175,000 you already clear it by $98,083.

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

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