WhereCanIAfford › Killeen, TX › On $200,000

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

YES On $200,000/yr, the typical $248,024 home in Killeen, TX needs $77,652/yr ($1,812/mo). Your gap: +$122,348 — housing would be 10.9% of your gross income.

The math

248,024 price − 10% down (24,802) = 223,222 loan
30-yr fixed at 7.18% on 223,222 = 1,512/mo principal+interest
+ 300/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,812/mo PITI ÷ 0.28 = 6,471/mo → 77,652/yr required

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

What salary WOULD clear Killeen, TX?

You need about $77,652/yr for the typical home. On $200,000 you already clear it by $122,348.

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

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