How Much House Can I Afford in Pearland, Friendswood, Alvin, or Manvel?

Not sure how much home you can afford in the Houston suburbs? Here’s a clear breakdown of payments, taxes, insurance, and what buyers often overlook.

One of the most common (and smartest) questions buyers ask is:
“How much house can I afford?”

In our area — Greater Houston, Pearland, Friendswood, Alvin, Manvel — affordability isn’t just about the price of the home. It’s about the full monthly payment.

The monthly payment is more than the mortgage

Your payment usually includes:

• Principal + interest (the loan)
• Property taxes
• Homeowners insurance
• HOA dues (if applicable)
• Potential extras (flood insurance in some locations)

That’s why two homes with the same price can have very different monthly payments.

Pre-approved vs. comfortably affordable

A lender pre-approval tells you what you may qualify for.
But I always help clients decide what they feel good paying while still enjoying life.

A good affordability plan considers:

• your lifestyle spending
• savings goals
• childcare/activities
• travel
• future plans (new baby, job change, etc.)

A simple rule I like

If the payment makes you nervous, it’s too high.

Buying a home should feel exciting — not like you’re one unexpected expense away from stress.

The smartest way to find your number

1. Pick your comfortable monthly payment
2. Get a lender to estimate payments in your target areas
3. Compare neighborhoods (tax rates and HOA fees can vary)

My recommendation

Before you tour 10 homes, let’s identify:

• your payment target
• the neighborhoods that match your needs
• and the “sweet spot” price range where you’ll have options

That saves you time and prevents heartbreak.

FAQs

How do I estimate my monthly payment?
Ask a lender to run scenarios including taxes and insurance for your target cities.

Do property taxes vary in Pearland/Friendswood/Manvel/Alvin?
Yes — and sometimes significantly by area and taxing entities.

Is it better to buy cheaper and renovate?
Sometimes, but renovations can be costly and time-consuming. We can compare the numbers based on your goals.

Want me to help you find the right price range for your payment goal? Send your target city + monthly payment comfort zone and I’ll map out realistic options.