Home affordability in the Houston region decreased slightly according to the second-quarter housing affordability report from the Houston Association of Realtors.

At a glance

While home prices in 2025 rose slightly in the second quarter, 39% of individuals in the Greater Houston area still make the minimum amount required to afford a median-priced home, according to the report.Out of the five major counties in the Houston region, Montgomery County had the highest rate of home affordability, with 46% of residents able to afford a median-priced home. The least affordable area was Harris County, where only 34% of residents are able to afford a median-priced home.

For those who rent homes, the average monthly payment across the region dropped from $2,190 to $2,100 a month. Galveston County saw the highest increase in monthly home rental prices, going from $2,100 to $2,175 per month.Quote of note

“While affordability challenges remain for many people, the Houston market is showing encouraging signs of balance,” HAR Chair Shae Cottar said. “Mortgage rates have been edging lower and recently hit their lowest point since April, which could draw more prospective buyers into the market. At the same time, many remain cautious, with inflation playing a key role in their decisions.”