How Much House Can I Afford in Aransas County, Texas?
Estimate how much home you could afford based on your household income, down payment, mortgage rate, property taxes, and homeowners insurance — then compare it against Aransas County's typical home value.
Home Affordability Estimator — Aransas County
Enter your annual household income to estimate the home price that may fit within a 36% housing-cost ratio. We've pre-filled an example figure below — enter your own income to personalize the estimate.
Mortgage rate assumption: 6.95% — Freddie Mac Primary Mortgage Market Survey (30-Year FRM), as of 2026-09-17
Estimated property tax: based on Aransas County's 1.01% effective rate
Insurance assumption: 0.50% of home value/year (national assumption)
PMI assumption: 0.75% of loan amount/year (applies below 20% down)
Estimated affordable home price
$298,209
Estimated monthly payment
$2,460
- Principal & interest
- $1,905
- Est. property tax
- $251
- Insurance
- $124
- PMI
- $180
This is a simplified rule-of-thumb estimate based on gross household income only — existing debts (car loans, student loans, credit cards, etc.) are not modeled. Not a lender underwriting calculation or a pre-approval amount.
Compared with Aransas County's typical home value
Typical home value (Zillow ZHVI, 2026-09-30): $296,412
What income is needed for a typical Aransas County home?
Based on the same assumptions, a household would need approximately $81,506 in annual income to support the typical $296,412 home at a 36% housing-cost ratio.
Aransas County property taxes
Estimated property tax: based on Aransas County's 1.01% effective rate.
See the full Texas Property Tax Estimator →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-tierHow we estimate this
annual income × 36% = maximum monthly housing payment
− estimated property tax − insurance − PMI (if down payment < 20%)
= available principal & interest → estimated affordable home price
The 36%ratio is a simplified rule of thumb, not an underwriting model — it doesn't account for other debt, credit score, HOA, utilities, maintenance, or lender-specific requirements. No debt-to-income input is used; the ratio applies to gross household income only.