WhereCanIAfford › Killeen, TX › On $475,000

Is Killeen, TX affordable on a $475,000 salary?

YES On $475,000/yr, the typical $252,444 home in Killeen, TX needs $75,840/yr ($1,770/mo). Your gap: +$399,160 — housing would be 4.5% of your gross income.

The math

252,444 price − 10% down (25,244) = 227,200 loan
30-yr fixed at 6.69% on 227,200 = 1,465/mo principal+interest
+ 305/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,770/mo PITI ÷ 0.28 = 6,320/mo → 75,840/yr required

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

What salary WOULD clear Killeen, TX?

You need about $75,840/yr for the typical home. On $475,000 you already clear it by $399,160.

On $450,000? On $500,000? On $525,000?

See the full Killeen, TX affordability breakdown → or every metro you can afford on $475,000 →