Texas Home Affordability Estimator
Estimate how much home you could afford in Texas, by county, based on your income and that county's property tax rate — then compare it against Zillow's typical home value for the area.
Select a county below to estimate home affordability.
Harris CountyDallas CountyTarrant CountyBexar CountyTravis CountyCollin CountyDenton CountyHidalgo CountyEl Paso CountyFort Bend CountyMontgomery CountyWilliamson CountyCameron CountyBrazoria CountyBell CountyNueces CountyGalveston CountyLubbock CountyWebb CountyMcLennan CountyJefferson CountyHays CountySmith CountyBrazos CountyEllis CountyJohnson CountyGuadalupe CountyMidland CountyEctor CountyComal CountyParker CountyTaylor CountyKaufman CountyRandall CountyGrayson CountyWichita CountyGregg CountyTom Green CountyPotter CountyRockwall CountyHunt CountyBastrop CountyBowie CountyVictoria CountyLiberty CountyAngelina CountyOrange CountyHenderson CountyCoryell CountyWalker CountyHarrison CountySan Patricio CountyWise CountyStarr CountyNacogdoches CountyHood CountyVan Zandt CountyAnderson CountyMaverick CountyHardin CountyWaller CountyRusk CountyKerr CountyNavarro CountyCherokee CountyMedina CountyLamar CountyWilson CountyPolk CountyAtascosa CountyBurnet CountyVal Verde CountyCaldwell CountyChambers CountyWood CountyKendall CountyErath CountyWharton CountyCooke CountyUpshur CountyJim Wells CountyBrown CountyHopkins CountyMatagorda CountyHill CountyWashington CountyFannin CountyHoward CountyJasper CountyHale CountyTitus CountyBee CountyKleberg CountyAustin CountyGrimes CountyCass CountyPalo Pinto CountySan Jacinto CountyGillespie CountyUvalde CountyMilam CountyFayette CountyShelby CountyAransas CountyPanola CountyHouston CountyLimestone CountyHockley CountyMoore CountyLampasas CountyGray CountyLlano CountyGaines CountyBandera CountyHutchinson CountyColorado CountyWillacy CountyCalhoun CountyLavaca CountyTyler CountyMontague CountyDe Witt CountyJones CountyGonzales CountyFreestone CountyDeaf Smith CountyFrio CountyBosque CountyAndrews CountyYoung CountyEastland CountyBurleson CountyLee CountyFalls CountyScurry CountyRobertson CountyLeon CountyPecos CountyJackson CountyKarnes CountyNolan CountyReeves CountyZapata CountyCallahan CountyTrinity CountyMadison CountyComanche CountyLamb CountyWilbarger CountyNewton CountyCamp CountyDawson CountyRains CountyMorris CountyTerry CountyRed River CountyLive Oak CountyWard CountyBlanco CountyFranklin CountyClay CountyOchiltree CountyDuval CountySabine CountyZavala CountyRunnels CountyParmer CountyMarion CountyBrewster CountySomervell CountyStephens CountyMitchell CountyDimmit CountyArcher CountyJack CountyHamilton CountySan Augustine CountyColeman CountyYoakum CountyMcCulloch CountyWinkler CountyCastro CountyDallam CountyBrooks CountyGoliad CountySwisher CountyBailey CountyLa Salle CountyRefugio CountyChildress CountyPresidio CountyCarson CountySan Saba CountyGarza CountyLynn CountyFloyd CountyHartley CountyHaskell CountyHansford CountyCrosby CountyDelta CountyMartin CountyWheeler CountyJim Hogg CountyCrane CountyMills CountyKimble CountyMason CountyFisher CountyHardeman CountyBaylor CountyHemphill CountySutton CountyKnox CountyReagan CountyUpton CountyCoke CountyDonley CountyKinney CountyConcho CountyShackelford CountyLipscomb CountyCollingsworth CountyCrockett CountyHall CountyReal CountyCochran CountySherman CountyCulberson CountyJeff Davis CountyMenard CountyArmstrong CountyDickens CountyCottle CountyIrion CountyThrockmorton CountySterling CountyStonewall CountyMotley CountyBriscoe CountyGlasscock CountyFoard CountyTerrell County
Assumptions used in this estimator
- Mortgage rate assumption: 6.95%
- Freddie Mac Primary Mortgage Market Survey (30-Year FRM), as of 2026-09-17. This is a national average, not a rate quote — your actual rate will vary by credit score, loan type, and lender.
- Insurance assumption: 0.50% of home value/year
- Estimated annual homeowner's insurance (0.50% of home value)
- PMI assumption: 0.75% of loan amount/year
- Estimated annual Private Mortgage Insurance (0.75% for down payments under 20%)
- Housing-cost ratio: 36% of gross income
- A simplified rule-of-thumb applied to gross household income only. Existing debts (car loans, student loans, credit cards, etc.) are not modeled. This is not a lender underwriting calculation.
This calculator is for informational purposes only and does not constitute tax advice. Consult a qualified tax professional for your specific situation. Rates last verified 2026-10-19.
Verify rates on Zillow Research ZHVI — smoothed, seasonally adjusted, all-home mid-tierTexas counties by typical home value — Zillow ZHVI, 2026-09-30
Source: Zillow Research ZHVI — smoothed, seasonally adjusted, all-home mid-tier.
Frequently asked questions
Is this a Texas home affordability calculator or an estimator?
This is an estimator, not a calculator. It applies a 36% housing-cost ratio to your gross annual income, then subtracts an assumed property tax, insurance, and (if applicable) PMI amount to work out an estimated affordable home price for the county you select. That's a simplified rule of thumb, not a lender's underwriting decision.
Why is this an estimate instead of an exact number?
Each county's effective property tax rate is real, county-specific data. The mortgage rate, insurance, and PMI figures are national assumptions, and the 36% ratio applies to gross income only — existing debts aren't factored in.
Why don't I see every Texas county listed?
We're rolling this out county by county rather than publishing all of them at once, prioritizing counties with the most search demand first. If your county isn't listed yet, check back — more are added over time.