Mortgage Affordability Calculator for Killeen, TX
Updated 2026 · Local data pre-filled
In Killeen, the median household income is $54,800 per year, while the median home costs $210,000. The price-to-income ratio is 3.8x — relatively affordable for local buyers. Use this calculator to determine what you can comfortably afford based on your income.
✓ Calculator below is pre-filled with Killeen local data
How Killeen Compares to the National Average
Understanding how Killeen stacks up helps you calibrate your financial planning.
| Metric | Killeen, TX | US Average | Difference |
|---|---|---|---|
| Median Home Price | $210,000 | $420,800 | -50.1% |
| Median Monthly Rent | $1,050 | $1,713 | -38.7% |
| Median Household Income | $54,800 | $74,580 | -26.5% |
| Property Tax Rate | 1.80% | 1.10% | +63.6% |
| Cost of Living Index | 88 | 100 | -12.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Killeen Financial Snapshot
- Population (Metro)
- 470,000
- Unemployment
- 4.2%
- Avg Commute
- 21 min
- Median Age
- 29.2
- Price-to-Rent Ratio
- 16.7x
- Annual Property Tax
- $3,780
Mortgage Affordability Calculator in Other Texas Cities
Frequently Asked Questions — Killeen
What is the median home price in Killeen, TX?
The median home price in Killeen is $210,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Killeen?
Median monthly rent in Killeen is $1,050. That works out to $12,600/year, or 23% of the median household income — within the commonly recommended 30% of income guideline.
Is Killeen affordable?
Killeen's cost of living index is 88 vs. the national average of 100. With a median household income of $54,800/year and a median home price of $210,000, the price-to-income ratio is 3.8x. Killeen remains relatively affordable compared to many US metros.
What is the property tax rate in Killeen?
The effective property tax rate in Killeen is 1.80% of assessed value. On the median home of $210,000, that's roughly $3,780/year ($315/month).