Can You Afford to Buy a Home in College Station-Bryan?
The median home in College Station-Bryan costs $261,900. To afford it at current mortgage rates with 20% down, you need a household income of about $72,986/year. Your monthly payment would be around $1,703, including taxes and insurance.
Based on national median home values adjusted by College Station-Bryan’s Regional Price Parity (90.95). Current 30-year fixed rate: 6.52% (Freddie Mac, as of Jun 11, 2026). Methodology
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Monthly payment breakdown
$261,900 home, 20% down, 6.52% rate, 30-year fixed
Rent vs. buy in College Station-Bryan
Buying costs $517/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 College Station-Bryan?
Home price you can afford at each salary level (28% DTI, 20% down)
| Salary | Home you can afford | Monthly payment |
|---|---|---|
| $50K | $156K | $1,703 |
| $75K | $271K | $1,703 |
| $100K | $386K | $1,703 |
| $125K | $501K | $1,703 |
| $150K | $617K | $1,703 |
| $200K | $847K | $1,703 |
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 College Station-Bryan?
Local median salary vs. the $73K needed to buy
Frequently asked questions
What salary do I need to buy a home in College Station-Bryan?
To comfortably afford the median home ($261,900) in College Station-Bryan with a 20% down payment and current mortgage rates, you need a household income of about $72,986. 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 College Station-Bryan?
The median home price in the College Station-Bryan, TX metro area is $261,900, based on the Census ACS 2023 median home value for the metro. Prices vary widely by neighborhood. A 20% down payment would be $52,380, or $13,095 at 5% down.
What would my monthly mortgage be in College Station-Bryan?
On a $261,900 home with 20% down at current rates, your estimated monthly payment would be $1,703 including principal, interest, property tax, and insurance. With only 5% down, add about $104/mo for PMI.
Is it cheaper to rent or buy in College Station-Bryan?
Median 2-bedroom rent in College Station-Bryan is $1,186/mo (HUD Fair Market Rent). The estimated mortgage payment on the median home is $1,703/mo. Buying is significantly more expensive monthly, though you build equity.