Houston, TX – September 2025 – A new housing report reveals that home affordability in Houston has taken a significant hit as mortgage rates remain elevated and income growth continues to lag. For many families, the dream of homeownership in Houston is becoming harder to achieve, despite the city’s reputation for relatively affordable housing compared to other major U.S. metros.

Why Home Affordability is Declining

Over the past year, Houston has seen steady home price increases across both suburban and urban neighborhoods. Combined with mortgage rates hovering above 7%, the cost of financing a home has outpaced wage growth. According to the latest data, the median-income household in Houston can now afford significantly fewer homes than just a year ago.

Key Factors Driving Affordability Concerns:

• Rising Mortgage Rates: Higher interest rates mean larger monthly payments.

• Stagnant Incomes: Wage growth has not kept up with the pace of housing costs.

• Limited Affordable Inventory: Starter homes under $300,000 are increasingly scarce.

• High Demand in Suburbs: Popular areas like Katy, Sugar Land, and The Woodlands are seeing intense competition.

What This Means for Houston Homebuyers

For first-time buyers, this affordability crunch can feel discouraging. However, there are still opportunities in the market. Buyers may need to adjust expectations, explore different neighborhoods, or consider creative financing solutions.

This is where working with an experienced real estate professional makes all the difference.

Work with Katherine Boddeker – Houston’s Trusted Realtor

If you’re feeling overwhelmed by today’s market, Katherine Boddeker, a top Houston Realtor and member of the Houston Association of Realtors (HAR), is here to guide you. With deep expertise in neighborhoods across Greater Houston, Katherine helps her clients:

• Identify affordable properties that align with long-term goals.

• Negotiate the best possible deals in a competitive environment.

• Provide insights into emerging investment opportunities despite higher rates.

• Connect buyers with lenders and financing strategies to improve affordability.

Katherine’s reputation as a trusted advocate for homebuyers and sellers in Houston has made her one of the most sought-after Realtors in the region.

Final Thoughts

While affordability challenges are real, Houston remains one of the strongest housing markets in Texas, thanks to its diverse economy, growing job base, and dynamic neighborhoods. If you’re ready to navigate today’s housing market with confidence, partner with a proven professional.

👉 Contact Katherine Boddeker today to start your Houston home search: Katherine Boddeker HAR Profile