The calculator below is pre-filled with Travis County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Texas's statewide figures.
County data last updated 2026-08-19. FIPS 48453. Full source list on /methodology.
All-in cost first, always — pre-filled with Travis County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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How much house can I afford in Texas? →Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Texas is constitutionally barred from charging a real estate transfer tax, which is one big reason closing on a $345,000 Texas home can start near $3,450.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Texas Department of Housing and Community Affairs program offering a below-market 30-year fixed-rate mortgage plus up to 5% down payment/closing cost assistance as a 0%-interest deferred second lien (repaid at sale, refinance, or payoff) for first-time homebuyers and veterans.
Texas State Affordable Housing Corporation program for teachers, firefighters, police/correctional officers, EMS personnel, and veterans: 30-year fixed mortgage plus down payment assistance and Mortgage Credit Certificates.
Texas State Affordable Housing Corporation program for low- and moderate-income Texas homebuyers generally: 30-year fixed mortgage plus down payment assistance and Mortgage Credit Certificates.
TDHCA program providing a federal tax credit equal to 15% of annual mortgage interest paid (roughly $2,000/year in savings) for eligible first-time homebuyers, usable alongside a first mortgage.