Brownsville, TX mortgage & affordability calculator

The typical home in Brownsville, TX is worth about $190,000. With 20% down that's a loan near $152,000 — the calculator is pre-filled with that figure. Brownsville anchors the southern tip of the Rio Grande Valley and has drawn new manufacturing and logistics investment tied to SpaceX's nearby Starbase launch site, alongside its longstanding role as one of the busiest land ports on the US-Mexico border.

$986.88 / month

Total interest
$203,276
Total paid
$355,276
Payoff
30.0 years
Balance over YearBalance ends near $0 at 30.$0$38k$76k$114k$152k0612182430Year

How much you need to earn

Brownsville, TX's median household income is about $46,000 a year. Under standard 28/36 lending rules that supports a home price around $116,936 with 20% down — below the $190,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.

$116,896 max home price

Max loan amount
$78,896
Housing payment budget
$1,073
P&I budget
$512
Bound by
front-end ratio

Uses the 28% front-end / 36% back-end DTI guidelines. Lenders vary.

Typical asking rent in Brownsville, TX is about $1,050 a month, so owning the median home costs roughly $498 more per month before tax effects, maintenance, and any change in home value.

Frequently asked questions

What is a typical mortgage payment in Brownsville, TX?
On the metro's roughly $190,000 typical home with 20% down, the loan is about $152,000. Principal and interest run near $987 a month at today's rate, and Brownsville, TX's property tax plus insurance add about $561, for a full payment near $1,548.
Can I afford a home in Brownsville, TX on the median income?
The median household income is about $46,000 a year. Under standard 28/36 lending rules that supports a home price around $116,936 with 20% down — below the $190,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in Brownsville, TX?
Typical asking rent is about $1,050 a month. The full owner payment on a median home is near $1,548, so owning costs roughly $498 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in Brownsville, TX?
The effective property tax rate in the core county is about 1.70% of market value — roughly $3,230 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in Brownsville, TX rising or falling?
Home values are up about 3% over the past year. Brownsville anchors the southern tip of the Rio Grande Valley and has drawn new manufacturing and logistics investment tied to SpaceX's nearby Starbase launch site, alongside its longstanding role as one of the busiest land ports on the US-Mexico border.

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