CALCMONEY // HOME AFFORDABILITY // TX // CORPUS CHRISTI
How much house can you afford in Corpus Christi? Based on local median home prices, current TX mortgage rates, and Corpus Christi property tax data.
$235,000
$1,698/mo
$72,788/yr
$156,226
Monthly housing costs of $1,698 represent 37.1% of Corpus Christi's median gross monthly income ($4,583/mo). At 37.1%, median-income buyers in Corpus Christi are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $235,000 |
| Down Payment (20%) | $47,000 |
| Loan Amount | $188,000 |
| Monthly PI Payment | $1,238 |
| Monthly Property Tax | $362 |
| Monthly Insurance Est. | $98 |
| Total Monthly PITI | $1,698 |
| Housing Cost % of Income | 37.1% |
| Required Income (28% rule) | $72,788/yr |
| Max Affordable Home | $156,226 |
$8,225
$2,114/mo
Corpus Christi Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $235,000 | Corpus Christi city median |
| Down Payment (20%) | $47,000 | Conventional loan |
| Monthly PITI | $1,698 | 6.9% rate, 30yr fixed |
| Required Income (28% rule) | $72,788 | Annual gross |
| Max Affordable Home | $156,226 | Based on median income |
| FHA Down (3.5%) | $8,225 | Minimum FHA |
| Housing Cost % of Income | 37.1% | Median income: $55,000/yr |
| Property Tax Rate | 1.85% | $4,348/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in Corpus Christi is $235,000, with a local 30-year mortgage rate of 6.9%. A buyer putting 20% down carries a loan of $188,000, generating a monthly P&I payment of $1,238. Adding property taxes ($362/mo) and homeowners insurance ($98/mo) brings total monthly PITI to $1,698.
Corpus Christi's property tax rate of 1.85% is near the national average, adding a standard increment to monthly housing costs. On the Corpus Christi median home, that is $362/month, or $4,348 per year.
Texas has no state income tax, improving effective take-home pay for Corpus Christi residents and giving buyers additional capacity relative to equally-priced homes in high-tax states.
Using the 28% rule, a household earning Corpus Christi's median income of $55,000/year can afford up to $1,283/month in total housing costs. Based on Corpus Christi's mortgage rate of 6.9% and property tax rate of 1.85%, that translates to a maximum affordable home price of approximately $156,226 with 20% down on a 30-year loan.
To afford the median Corpus Christi home priced at $235,000, you need an annual gross income of approximately $72,788. Total monthly housing costs (principal and interest of $1,238, property taxes of $362, and insurance of $98) come to $1,698/month, which equals 28% of the required income.
At the median home price of $235,000 and median household income of $55,000, the total monthly housing cost of $1,698 represents 37.1% of gross monthly income. This is well above the standard 28% threshold, making Corpus Christi a challenging market for buyers at median income.
A conventional 20% down payment on the median Corpus Christi home of $235,000 is $47,000. An FHA loan requires just 3.5% down — $8,225 — but adds mortgage insurance of roughly $161/month, bringing total FHA payments to $2,114/month.