More Houston-area residents were able to attain a home at the end of 2025 as mortgage rates and home prices eased, according to a report from the Houston Association of Realtors.
The gist
According to HAR’s housing attainability report, 44% of households in the Greater Houston area could afford a median-priced home in the fourth quarter of 2025, compared to 40% in 2024.
The median home price declined to $337,200, with a monthly mortgage payment being $2,280, compared to $2,490 in 2024. To afford a median-priced home in Houston, households needed to earn at least $91,200 annually, the report states.
“After a challenging few years for buyers, we’re starting to see affordability move in the right direction,” HAR Chair Theresa Hill said. “If these trends continue, we could see even more opportunities open up for buyers as we move through 2026.”
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When looking at HAR’s Rental Affordability Index, 48% of Houston renters were able to afford the lease price for a single-family rental home in the fourth quarter of 2025, compared to 45% in the same quarter in 2024.
The lease price for a single-family home declined 2.4% to $2,050 compared to $2,100 in 2024.