Can You Afford to Buy a Home in Beaumont-Port Arthur?
The median home in Beaumont-Port Arthur costs $164,300. To afford it at current mortgage rates with 20% down, you need a household income of about $47,957/year. Your monthly payment would be around $1,119, including taxes and insurance.
Based on national median home values adjusted by Beaumont-Port Arthur’s Regional Price Parity (90.05). Current 30-year fixed rate: 6.52% (Freddie Mac, as of Jun 11, 2026). Methodology
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Monthly payment breakdown
$164,300 home, 20% down, 6.52% rate, 30-year fixed
Rent vs. buy in Beaumont-Port Arthur
Buying costs $16/mo more than renting, but you build equity. Over 5 years at current appreciation rates, homeowners in similar markets have gained significant equity.
What can you afford in Beaumont-Port Arthur?
Home price you can afford at each salary level (28% DTI, 20% down)
| Salary | Home you can afford | Monthly payment |
|---|---|---|
| $50K | $174K | $1,119 |
| $75K | $289K | $1,119 |
| $100K | $404K | $1,119 |
| $125K | $519K | $1,119 |
| $150K | $634K | $1,119 |
| $200K | $865K | $1,119 |
Based on 28% front-end DTI ratio, 20% down payment, 6.52% 30-year fixed rate, 1.1% property tax, ~$150/mo insurance.
Can common careers afford a home in Beaumont-Port Arthur?
Local median salary vs. the $48K needed to buy
Frequently asked questions
What salary do I need to buy a home in Beaumont-Port Arthur?
To comfortably afford the median home ($164,300) in Beaumont-Port Arthur with a 20% down payment and current mortgage rates, you need a household income of about $47,957. That keeps your housing costs at or below 28% of your gross income, which is the standard lender guideline.
How much does a house cost in Beaumont-Port Arthur?
The median home price in the Beaumont-Port Arthur, TX metro area is $164,300, based on the Census ACS 2023 median home value for the metro. Prices vary widely by neighborhood. A 20% down payment would be $32,860, or $8,215 at 5% down.
What would my monthly mortgage be in Beaumont-Port Arthur?
On a $164,300 home with 20% down at current rates, your estimated monthly payment would be $1,119 including principal, interest, property tax, and insurance. With only 5% down, add about $65/mo for PMI.
Is it cheaper to rent or buy in Beaumont-Port Arthur?
Median 2-bedroom rent in Beaumont-Port Arthur is $1,103/mo (HUD Fair Market Rent). The estimated mortgage payment on the median home is $1,119/mo. Buying costs more per month, but you build equity over time.