WhereCanIAfford › McAllen, TX › On $325,000

Is McAllen, TX affordable on a $325,000 salary?

YES On $325,000/yr, the typical $193,007 home in McAllen, TX needs $59,274/yr ($1,383/mo). Your gap: +$265,726 — housing would be 5.1% of your gross income.

The math

193,007 price − 10% down (19,301) = 173,706 loan
30-yr fixed at 6.95% on 173,706 = 1,150/mo principal+interest
+ 233/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,383/mo PITI ÷ 0.28 = 4,940/mo → 59,274/yr required

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

What salary WOULD clear McAllen, TX?

You need about $59,274/yr for the typical home. On $325,000 you already clear it by $265,726.

On $300,000? On $350,000? On $375,000?

See the full McAllen, TX affordability breakdown → or every metro you can afford on $325,000 →