Cost of Living in Houston, TX
A comprehensive look at housing costs in Houston for 2025.
Moderate
Affordability Score
Home Price
🏠$310K
Monthly Rent
🔑$1,400
Monthly Mortgage
🏦$1,650
7% rate, 20% down
Median Income
💰$58K
Housing Costs Overview
The median home price in Houston is $310K, which is 24% lower than the national median of $410K. The median rent is $1,400/month, 7% below the national median.
Monthly Mortgage Breakdown
Based on 30-year fixed at 7% with 20% down payment ($62K). Total cost over 30 years: $594K.
Rent vs. National Average
At $1,400/month, renting in Houston means spending about $17K per year on housing. The rent-to-income ratio is 31.5%, which exceeds the recommended 30% threshold.
Compared to Texas
Home Price
$310K
vs $297K state
Rent
$1,400
vs $1,413 state
Income
$58K
vs $76K state
Is Houston Getting More Expensive?
Over the past year, home prices in Houston changed by 2.5% and rents by 1.8%. Price growth is moderate.