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Home Affordability Calculator Fort Worth, TX — 2026
Median home price in Fort Worth: $330,000. At 6.5% on a 30-year loan with 20% down, the estimated total monthly payment (PITI) is $2,406 — requiring $103,114/year in gross income. Enter your income below for a personalised estimate.
Reviewed for accuracy June 2026 by Gary Sing
Median home price
$330,000
Income needed (annual)
$103,114
Est. monthly PITI
$2,406
Property tax/month
$613
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How much house can you afford in Fort Worth at your salary?
Maximum home price at each income level: 6.5% rate, 30-year term, 20% down payment, no existing debt. Property tax (2.23%) and insurance (0.45%) included in the 28% front-end DTI budget.
| Annual income | Max home price | Max monthly budget | Affords Fort Worth median? |
|---|---|---|---|
| $50,000 | $160,034 | $1,167/mo | ✗ No |
| $75,000 | $240,050 | $1,750/mo | ✗ No |
| $100,000 | $320,067 | $2,333/mo | ✗ No |
| $125,000 | $400,084 | $2,917/mo | ✓ Yes |
| $150,000 | $480,101 | $3,500/mo | ✓ Yes |
| $175,000 | $560,118 | $4,083/mo | ✓ Yes |
| $200,000 | $640,135 | $4,667/mo | ✓ Yes |
Assumes 20% down, 6.5% rate, 30-year term, zero existing monthly debt. Property tax at 2.23% effective rate; insurance estimated at 0.45% annually. PMI required below 20% down — not included here.
Monthly payment breakdown on the median Fort Worth home
$330,000 purchase price with 20% down ($66,000) at 6.5% on a 30-year loan.
Principal & interest (30yr)
$1,669/month on a $264,000 loan at 6.5% over 30 years. Total interest paid over the life of the loan: $336,840.
Property tax (2.23% effective rate)
$613/month ($7,356/year). Tarrant County's effective property tax rate of approximately 2.23% is the highest among the major Texas counties. On a $330,000 Fort Worth home, property taxes add approximately $614/month — the dominant financial variable after P&I for buyers in this market.
Homeowners insurance (est.)
$124/month estimated at 0.45% of home value annually. Rates vary significantly by coverage level, age of home, and local risk factors — always get quotes before closing.
Total PITI (monthly)
$2,406/month estimated. Income needed to keep this under 28% of gross monthly income: $103,114/year. Texas has no state income tax — a meaningful take-home pay advantage.
Fort Worth housing market 2026
Fort Worth has historically offered more affordable housing than Dallas while benefiting from the same DFW metro employment base. The Cultural District, Near Southside, and Magnolia Avenue have seen above-average appreciation as urban neighborhoods have gentrified. Alliance Airport and the surrounding logistics corridor drive significant employment in the northern suburbs.
Key numbers for Fort Worth buyers
- Median home price: $330,000 (2026 estimate)
- 20% down payment: $66,000
- Loan amount (80% LTV): $264,000
- Monthly P&I at 6.5% / 30yr: $1,669
- Monthly P&I at 6.5% / 15yr: $2,300
- Est. PITI (P&I + tax + insurance): $2,406/month
- Income needed (28% front-end DTI): $103,114/year
- State income tax: None — meaningful take-home pay advantage
Compare home affordability by city
📍 Los Angeles, CA
Median $900,000 · income needed $244,543/yr · 1.09% tax
📍 Chicago, IL
Median $330,000 · income needed $101,614/yr · 2.1% tax
📍 Houston, TX
Median $290,000 · income needed $89,143/yr · 2.09% tax
📍 Phoenix, AZ
Median $400,000 · income needed $102,429/yr · 0.65% tax
📍 Miami, FL
Median $580,000 · income needed $155,143/yr · 0.97% tax
📍 Seattle, WA
Median $740,000 · income needed $195,257/yr · 0.87% tax
📍 Denver, CO
Median $560,000 · income needed $141,171/yr · 0.54% tax
📍 Austin, TX
Median $525,000 · income needed $161,614/yr · 2.1% tax
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Home affordability Fort Worth — frequently asked questions
How much house can I afford in Fort Worth?
On a $100,000 annual income with no other debt, 20% down, and a 6.5% 30-year mortgage, you can afford approximately $320,067 in Fort Worth. The median home price in Fort Worth is $330,000, which requires approximately $103,114/year in gross income using the 28% front-end DTI rule (principal, interest, property tax, and insurance all within 28% of gross monthly income).
What income do I need to buy a home in Fort Worth?
To afford Fort Worth's median home price of $330,000 at 6.5% on a 30-year loan with 20% down, you need approximately $103,114/year in gross income. This assumes the full PITI payment of $2,406/month (P&I $1,669 + property tax $613 + insurance $124) stays within 28% of gross monthly income. Existing debts reduce this buying power further.
What is the median home price in Fort Worth in 2026?
The estimated median home price in Fort Worth in 2026 is approximately $330,000. This varies significantly by neighbourhood — enter the specific purchase price you are evaluating in the calculator above for a personalised estimate.
What are property taxes in Fort Worth?
Fort Worth, TX's effective property tax rate is approximately 2.23%. On a $330,000 home, that is roughly $613/month or $7,356/year in property taxes. Tarrant County's effective property tax rate of approximately 2.23% is the highest among the major Texas counties. On a $330,000 Fort Worth home, property taxes add approximately $614/month — the dominant financial variable after P&I for buyers in this market.
Is Fort Worth affordable to buy in 2026?
Fort Worth's median home price of $330,000 requires an annual gross income of approximately $103,114 to qualify under the 28% front-end DTI rule at 6.5% with 20% down. The estimated total monthly payment (PITI) is $2,406/month. Fort Worth has historically offered more affordable housing than Dallas while benefiting from the same DFW metro employment base.