Texas Housing Affordability Index
First-Time Homebuyers
| MLS Area |
3rd Qtr
2009 |
2nd Qtr
2009 |
3rd Qtr
2008 |
2008 |
2007 |
| Abilene | 1.91 | 1.91 | 1.60 | 1.64 | 1.38 |
| Amarillo | 1.64 | 1.64 | 1.29 | 1.40 | 1.31 |
| Arlington | 1.82 | 1.82 | 1.34 | 1.42 | 1.26 |
| Austin | 1.30 | 1.30 | 0.99 | 1.03 | 1.02 |
| Bay Area | 1.54 | 1.54 | 0.93 | 1.05 | 0.95 |
| Beaumont | 1.45 | 1.45 | 1.06 | 1.17 | 1.14 |
| Brazoria County | 2.32 | 2.32 | 1.26 | 1.45 | 1.43 |
| Brownsville | 1.22 | 1.22 | 0.82 | 0.90 | 0.74 |
| Bryan-College Station | 1.09 | 1.09 | 0.86 | 0.95 | 0.84 |
| Collin County | 1.56 | 1.56 | 1.27 | 1.31 | 0.79 |
| Corpus Christi | 1.27 | 1.27 | 0.88 | 0.95 | 0.90 |
| Dallas | 1.82 | 1.82 | 1.21 | 1.29 | 1.11 |
| Denton | 1.47 | 1.47 | 1.16 | 1.21 | 0.95 |
| El Paso | 0.86 | 0.86 | 0.68 | 0.71 | 0.69 |
| Fort Bend | 1.70 | 1.70 | 1.21 | 1.29 | 0.84 |
| Fort Worth | 2.30 | 2.30 | 1.60 | 1.70 | 1.46 |
| Galveston | 2.40 | 2.40 | 0.97 | 1.02 | 0.96 |
| Garland | 2.22 | 2.22 | 1.69 | 1.79 | 1.51 |
| Harlingen | 1.56 | 1.56 | 0.94 | 1.10 | 1.00 |
| Houston | 1.62 | 1.62 | 1.05 | 1.14 | 0.98 |
| Irving | 1.91 | 1.91 | 1.30 | 1.40 | 1.22 |
| Killeen-Fort Hood | 1.60 | 1.60 | 1.23 | 1.29 | 1.22 |
| Laredo | 0.99 | 0.99 | 1.14 | 0.86 | - |
| Longview-Marshall | 1.70 | 1.70 | 1.23 | 1.32 | 1.20 |
| Lubbock | 1.59 | 1.59 | 1.20 | 1.28 | 1.26 |
| Lufkin | 1.48 | 1.48 | 1.32 | 1.51 | 1.49 |
| McAllen | 1.08 | 1.08 | 0.79 | 0.87 | 0.70 |
| Midland | 1.07 | 1.07 | 0.81 | 0.88 | - |
| Montgomery County | 1.45 | 1.45 | 1.09 | 1.17 | 0.91 |
| Nacogdoches | 1.28 | 1.28 | 1.12 | 1.22 | 1.04 |
| Northeast Tarrant County | 1.37 | 1.37 | 1.07 | 1.10 | 0.97 |
| Odessa | 1.22 | 1.22 | 1.08 | 1.11 | - |
| Palestine | 2.00 | 2.00 | 1.50 | 1.67 | 1.50 |
| Paris | 2.67 | 2.67 | 1.30 | 1.69 | 1.74 |
| Port Arthur | 1.55 | 1.55 | 1.27 | 1.32 | 1.39 |
| San Angelo | 1.57 | 1.57 | 1.30 | 1.38 | 1.38 |
| San Antonio | 1.36 | 1.36 | 1.03 | 1.09 | 1.00 |
| San Marcos | 1.31 | 1.31 | 1.22 | 1.10 | 1.30 |
| Sherman-Denison | 3.53 | 3.53 | 1.90 | 2.09 | 1.65 |
| Temple-Belton | 1.62 | 1.62 | 1.37 | 1.37 | 1.23 |
| Texarkana | 1.68 | 1.68 | 1.29 | 1.51 | 1.18 |
| Tyler | 1.70 | 1.70 | 1.18 | 1.23 | 1.11 |
| Victoria | 1.57 | 1.57 | 1.16 | 1.22 | 1.19 |
| Waco | 1.98 | 1.98 | 1.41 | 1.44 | 1.30 |
| Wichita Falls | 2.04 | 2.04 | 1.58 | 1.72 | 1.60 |
| Texas | 1.41 | 1.41 | 1.04 | 1.12 | 1.00 |
| USA Total | 1.01 | 1.01 | 0.71 | 0.75 | 0.63 |
Note: "-" represents unreported data or nonparticipation in our survey.
Source: Real Estate Center at Texas A&M University
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.
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