College Station, TX mortgage & affordability calculator
The typical home in College Station, TX is worth about $350,000.
With 20% down that's a loan near $280,000 — the calculator
is pre-filled with that figure. Texas A&M University makes College Station one of the largest college towns in the country, and football-weekend short-term rentals plus a huge student-housing sector shape the market more than typical commuter demand.
$1,817.94 / month
Total interest
$374,454
Total paid
$654,454
Payoff
30.0 years
How much you need to earn
College Station, TX's median household income is about
$64,000 a year. Under standard 28/36
lending rules that supports a home price around
$177,430 with 20% down —
below the $350,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.
Typical asking rent in College Station, TX is about $1,450 a month, so owning the median home costs roughly
$1,164 more per month before tax
effects, maintenance, and any change in home value.
Frequently asked questions
What is a typical mortgage payment in College Station, TX?
On the metro's roughly $350,000 typical home with 20% down, the loan is about $280,000. Principal and interest run near $1,818 a month at today's rate, and College Station, TX's property tax plus insurance add about $796, for a full payment near $2,614.
Can I afford a home in College Station, TX on the median income?
The median household income is about $64,000 a year. Under standard 28/36 lending rules that supports a home price around $177,430 with 20% down — below the $350,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in College Station, TX?
Typical asking rent is about $1,450 a month. The full owner payment on a median home is near $2,614, so owning costs roughly $1,164 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in College Station, TX?
The effective property tax rate in the core county is about 1.70% of market value — roughly $5,950 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in College Station, TX rising or falling?
Home values are roughly flat over the past year. Texas A&M University makes College Station one of the largest college towns in the country, and football-weekend short-term rentals plus a huge student-housing sector shape the market more than typical commuter demand.