A STRETCH
On $75,000/yr, the typical $250,457 home in Killeen, TX needs $76,917/yr ($1,795/mo). Your gap: $-1,917 — housing would be 28.7% 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. That's $1,917 more than $75,000.