Housing Affordability

Texas Housing Affordability Index (THAI)

MLS Area 4th Qtr
2011		 3rd Qtr
2011		 4th Qtr
2010		 2011 2010
Source: Real Estate Center at Texas A&M University and Local Realtor Boards
Note: The Housing Affordability Index is the ratio of median family income to the income required to qualify for an
80 percent, fixed-rate mortgage to purchase the median-priced home. The MLS Area represents the local reporting
Realtors® association's geographical coverage area. For additional information or questions contact Jim Gaines.
Abilene 2.66 2.67 2.94 2.67 2.86
Amarillo 2.89 2.73 2.79 2.76 2.71
Arlington 3.35 3.23 3.24 3.32 3.13
Austin 2.53 2.40 2.38 2.38 2.31
Bay Area 2.73 2.63 2.56 2.61 2.49
Beaumont 2.95 2.60 2.41 2.71 2.35
Brazoria County 4.02 3.76 3.55 3.79 3.46
Brownsville 2.45 2.15 2.16 2.21 2.10
Bryan-College Station 2.33 2.35 2.21 2.31 2.15
Collin County 3.25 2.97 3.02 3.04 2.92
Corpus Christi 2.52 2.41 2.31 2.42 2.24
Dallas 2.80 2.62 2.67 2.65 2.58
Denton 3.38 3.21 3.18 3.25 3.07
El Paso 2.05 1.86 1.86 1.92 1.81
Fort Bend 2.97 2.82 2.74 2.83 2.68
Fort Worth 3.91 3.64 3.66 3.75 3.53
Galveston 2.67 2.50 2.33 2.44 2.27
Garland 4.77 4.46 4.75 4.58 4.58
Harlingen 2.47 2.31 2.50 2.33 2.44
Houston 2.74 2.60 2.60 2.63 2.53
Irving 3.05 3.15 3.32 3.13 3.20
Kerrville 2.14 2.36 2.05 2.18 1.99
Killeen-Fort Hood 2.81 2.68 2.65 2.76 2.58
Laredo 2.78 2.79 2.72 2.72 2.66
Longview-Marshall 2.46 2.70 2.64 2.55 2.57
Lubbock 2.92 2.78 2.90 2.85 2.82
Lufkin 3.16 2.72 2.40 2.82 2.33
McAllen 2.05 1.95 2.01 1.97 1.96
Midland 2.24 2.07 2.20 2.18 2.14
Montgomery County 2.83 2.57 2.64 2.62 2.58
Nacogdoches 2.42 2.18 2.27 2.24 2.21
Northeast Tarrant County 3.31 3.21 3.26 3.24 3.14
Odessa 2.65 2.39 2.55 2.42 2.48
Palestine 3.57 3.23 3.48 3.53 3.36
Paris 3.61 3.58 3.58 3.39 3.46
Port Arthur 3.47 3.26 3.19 3.27 3.11
San Angelo 2.94 2.74 2.65 2.74 2.58
San Antonio 2.58 2.39 2.32 2.40 2.26
San Marcos 2.87 2.60 2.99 2.76 2.91
Sherman-Denison 4.06 3.88 3.85 4.11 3.71
Temple-Belton 2.77 2.63 2.96 2.63 2.88
Texarkana 3.65 2.87 3.09 3.01 3.01
Tyler 2.66 2.55 2.57 2.57 2.50
Victoria 2.79 2.60 2.68 2.65 2.61
Waco 2.92 2.68 2.47 2.73 2.40
Wichita Falls 4.01 3.76 3.21 3.51 3.12
Texas 2.54 2.41 2.42 2.43 2.36
USA Total 2.50 2.27 2.29 2.29 2.16
MLS Area 4th Qtr
2011		 3rd Qtr
2011		 4th Qtr
2010		 2011 2010
Source: Real Estate Center at Texas A&M University and Local Realtor Boards
Note: The Housing Affordability Index is the ratio of median family income to the income required to qualify for an
80 percent, fixed-rate mortgage to purchase the median-priced home. The MLS Area represents the local reporting
Realtors® association's geographical coverage area. For additional information or questions contact Jim Gaines.
Abilene 1.91 1.91 1.91 1.91 2.05
Amarillo 1.64 1.64 1.64 1.64 1.62
Arlington 1.82 1.82 1.82 1.82 1.81
Austin 1.30 1.30 1.30 1.30 1.34
Bay Area 1.54 1.54 1.54 1.54 1.42
Beaumont 1.45 1.45 1.45 1.45 1.46
Brazoria County 2.32 2.32 2.32 2.32 2.16
Brownsville 1.22 1.22 1.22 1.22 1.08
Bryan-College Station 1.09 1.09 1.09 1.09 1.10
Collin County 1.56 1.56 1.56 1.56 1.60
Corpus Christi 1.27 1.27 1.27 1.27 1.34
Dallas 1.82 1.82 1.82 1.82 1.74
Denton 1.47 1.47 1.47 1.47 1.69
El Paso 0.86 0.86 0.86 0.86 0.89
Fort Bend 1.70 1.70 1.70 1.70 1.57
Fort Worth 2.30 2.30 2.30 2.30 2.29
Galveston 2.40 2.40 2.40 2.40 1.61
Garland 2.22 2.22 2.22 2.22 2.54
Harlingen 1.56 1.56 1.56 1.56 1.77
Houston 1.62 1.62 1.62 1.62 1.53
Irving 1.91 1.91 1.91 1.91 2.34
Kerrville 2.91 2.91 2.91 2.91 1.05
Killeen-Fort Hood 1.60 1.60 1.60 1.60 1.54
Laredo 0.99 0.99 0.99 0.99 1.08
Longview-Marshall 1.70 1.70 1.70 1.70 1.84
Lubbock 1.59 1.59 1.59 1.59 1.64
Lufkin 1.48 1.48 1.48 1.48 1.58
McAllen 1.08 1.08 1.08 1.08 1.06
Midland 1.07 1.07 1.07 1.07 1.07
Montgomery County 1.45 1.45 1.45 1.45 1.49
Nacogdoches 1.28 1.28 1.28 1.28 1.38
Northeast Tarrant County 1.37 1.37 1.37 1.37 1.78
Odessa 1.22 1.22 1.22 1.22 1.45
Palestine 2.00 2.00 2.00 2.00 3.25
Paris 2.67 2.67 2.67 2.67 2.21
Port Arthur 1.55 1.55 1.55 1.55 2.15
San Angelo 1.57 1.57 1.57 1.57 1.56
San Antonio 1.36 1.36 1.36 1.36 1.35
San Marcos 1.31 1.31 1.31 1.31 1.50
Sherman-Denison 3.53 3.53 3.53 3.53 2.70
Temple-Belton 1.62 1.62 1.62 1.62 2.06
Texarkana 1.68 1.68 1.68 1.68 1.80
Tyler 1.70 1.70 1.70 1.70 1.50
Victoria 1.57 1.57 1.57 1.57 1.58
Waco 1.98 1.98 1.98 1.98 1.48
Wichita Falls 2.04 2.04 2.04 2.04 2.21
Texas 1.41 1.41 1.41 1.41 1.46
USA Total 1.01 1.01 1.01 1.01 1.01
MLS Area 2011 2010 2009 2008 2007 2006
Source: Real Estate Center at Texas A&M University and Local Realtor Boards
Note: The Housing Affordability Index is the ratio of median family income to the income required to qualify for an
80 percent, fixed-rate mortgage to purchase the median-priced home. The MLS Area represents the local reporting
Realtors® association's geographical coverage area. For additional information or questions contact Jim Gaines.
Abilene 2.67 2.86 2.20 2.01 1.78 1.90
Amarillo 2.76 2.71 2.14 1.84 1.70 1.81
Arlington 3.32 3.13 2.40 2.11 1.91 1.97
Austin 2.38 2.31 1.88 1.56 1.53 1.62
Bay Area 2.61 2.49 1.99 1.67 1.52 1.68
Beaumont 2.71 2.35 1.96 1.68 1.62 1.75
Brazoria County 3.79 3.46 2.67 2.16 2.10 2.20
Brownsville 2.21 2.10 1.76 1.44 1.06 1.25
Bryan-College Station 2.31 2.15 1.79 1.64 1.50 1.55
Collin County 3.04 2.92 2.41 2.08 1.28 2.10
Corpus Christi 2.42 2.24 1.78 1.46 1.37 1.48
Dallas 2.65 2.58 2.09 1.77 1.59 1.68
Denton 3.25 3.07 2.25 1.98 1.54 1.87
El Paso 1.92 1.81 1.35 1.17 1.13 1.24
Fort Bend 2.83 2.68 2.06 1.92 1.32 1.89
Fort Worth 3.75 3.53 2.74 2.35 2.10 2.19
Galveston 2.44 2.27 2.09 1.33 1.34 1.28
Garland 4.58 4.58 3.14 2.71 2.37 2.40
Harlingen 2.33 2.44 1.84 1.55 1.40 1.44
Houston 2.63 2.53 2.00 1.72 1.54 1.65
Irving 3.13 3.20 2.39 1.88 1.83 2.13
Kerrville 2.18 1.99 1.53 - - -
Killeen-Fort Hood 2.76 2.58 2.17 1.88 1.74 1.78
Laredo 2.72 2.66 2.05 1.75 - -
Longview-Marshall 2.55 2.57 2.00 1.71 1.57 1.74
Lubbock 2.85 2.82 2.25 1.93 1.91 1.93
Lufkin 2.82 2.33 2.03 1.95 1.83 1.86
McAllen 1.97 1.96 1.55 1.34 1.00 1.10
Midland 2.18 2.14 1.69 1.39 - -
Montgomery County 2.62 2.58 1.90 1.72 1.37 1.69
Nacogdoches 2.24 2.21 1.84 1.56 1.47 1.89
Northeast Tarrant County 3.24 3.14 1.98 1.69 1.51 2.02
Odessa 2.42 2.48 1.78 1.63 - -
Palestine 3.53 3.36 2.50 2.05 2.06 2.44
Paris 3.39 3.46 2.47 2.32 2.28 2.14
Port Arthur 3.27 3.11 2.06 1.91 1.92 2.22
San Angelo 2.74 2.58 2.20 1.85 1.88 1.90
San Antonio 2.40 2.26 1.86 1.58 1.47 1.50
San Marcos 2.76 2.91 1.95 1.71 2.02 1.78
Sherman-Denison 4.11 3.71 3.12 2.61 2.23 2.22
Temple-Belton 2.63 2.88 2.12 1.81 1.71 1.70
Texarkana 3.01 3.01 2.15 2.19 1.72 2.05
Tyler 2.57 2.50 1.99 1.68 1.55 1.61
Victoria 2.65 2.61 2.01 1.71 1.66 1.88
Waco 2.73 2.40 2.21 1.84 1.78 1.80
Wichita Falls 3.51 3.12 2.35 2.19 2.06 2.06
Texas 2.43 2.36 1.88 1.59 1.45 1.52
USA Total 2.29 2.16 1.77 1.33 1.11 1.09
MLS Area 2011 2010 2009 2008 2007 2006
Source: Real Estate Center at Texas A&M University and Local Realtor Boards
Note: The Housing Affordability Index is the ratio of median family income to the income required to qualify for an
80 percent, fixed-rate mortgage to purchase the median-priced home. The MLS Area represents the local reporting
Realtors® association's geographical coverage area. For additional information or questions contact Jim Gaines.
Abilene 52,200 51,700 50,500 50,900 45,100 47,500
Amarillo 58,100 56,900 55,300 53,900 49,400 51,800
Arlington 68,300 67,400 64,600 64,600 60,600 63,400
Austin 74,900 73,800 73,300 69,100 69,300 69,600
Bay Area 66,000 65,100 63,800 61,100 57,300 60,900
Beaumont 56,700 55,500 54,300 51,400 50,200 50,600
Brazoria County 76,700 73,400 71,400 64,320 62,600 62,532
Brownsville 33,700 33,500 32,900 31,000 30,000 33,000
Bryan-College Station 57,400 57,000 56,100 55,800 51,000 52,300
Collin County 104,473 103,422 99,600 99,600 62,200 99,609
Corpus Christi 54,000 51,900 50,200 47,800 45,800 48,200
Dallas 69,100 68,300 67,600 64,800 62,200 65,500
Denton 85,225 84,368 74,480 74,480 62,200 74,480
El Paso 41,100 40,900 37,200 37,200 36,500 39,500
Fort Bend 91,893 90,640 82,270 82,270 57,300 79,982
Fort Worth 68,300 67,400 64,600 64,600 60,600 63,400
Galveston 67,013 66,099 56,540 56,540 57,300 54,971
Garland 69,100 68,300 67,600 64,800 62,200 65,500
Harlingen 33,700 33,500 32,900 31,000 30,000 33,000
Houston 66,000 65,100 63,800 61,100 57,300 60,900
Irving 69,100 68,300 67,600 64,800 62,200 65,500
Kerrville 54,419 52,067 50,700 - - -
Killeen-Fort Hood 55,900 54,900 54,000 52,000 49,600 48,800
Laredo 55,600 54,500 52,000 50,200 - -
Longview-Marshall 55,600 54,500 52,000 50,200 47,500 48,500
Lubbock 54,900 54,600 52,900 50,200 48,900 48,500
Lufkin 49,300 49,200 49,400 49,300 45,000 46,800
McAllen 33,700 33,200 32,000 31,600 27,700 30,800
Midland 66,000 63,000 60,200 56,400 - -
Montgomery County 78,903 77,827 70,695 70,695 57,300 68,728
Nacogdoches 47,500 48,400 47,100 45,600 43,700 55,500
Northeast Tarrant County 89,557 88,375 66,260 66,260 60,600 79,217
Odessa 55,700 53,200 49,000 47,000 - -
Palestine 52,100 48,000 46,900 45,000 42,800 44,600
Paris 48,800 49,400 48,500 45,500 43,700 45,400
Port Arthur 56,700 55,500 54,300 51,400 50,200 50,600
San Angelo 55,000 51,800 52,400 49,100 49,100 46,800
San Antonio 59,900 57,800 57,200 54,700 53,700 53,100
San Marcos 68,107 67,107 59,070 59,070 69,300 58,646
Sherman-Denison 59,000 57,600 57,900 55,900 52,700 53,100
Temple-Belton 55,900 54,900 54,000 52,000 49,600 48,800
Texarkana 51,200 50,700 49,500 51,700 43,000 46,600
Tyler 57,900 56,200 55,300 53,000 50,900 52,700
Victoria 56,300 55,600 53,700 50,800 48,800 51,200
Waco 54,000 51,900 51,700 48,200 50,400 49,100
Wichita Falls 55,000 53,200 50,300 50,300 49,200 49,100
Texas 59,500 58,600 57,400 55,000 52,600 54,300
USA Total 64,200 64,000 64,000 61,500 59,000 59,600
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