A STRETCH
On $75,000/yr, the typical $248,024 home in Killeen, TX needs $77,652/yr ($1,812/mo). Your gap: $-2,652 — housing would be 29% 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. That's $2,652 more than $75,000.