How Long to Save for a Home in Houston, TX
Median home price, average rent, and a personalized savings timeline for Houston — updated 2026-Q1.
Median Home Price
$330,000
Average Rent
$1,500/mo
Median Income
$65,000/yr
5yr Price Growth
+18%
Calculate for Houston
Invest this % of your rent ($1,500/mo)
Down payment
Down Payment Scenarios in Houston
| Scenario | Down Payment | With Bricks | Savings Acct |
|---|---|---|---|
| 3.5% FHA | $11,550 | 5.3 years | 5.8 years |
| 10% Down | $33,000 | 11.3 years | 13.8 years |
| 20% Down | $66,000 | 17.3 years | 22.7 years |
Start saving for a home in Houston
Bricks helps renters invest toward homeownership. Join the waitlist.
Buying a Home in Houston, Texas
Houston is one of the South's largest metro areas with a population of 2,320,000. The median home price of $330,000 is near the national average.
With average rent at $1,500/month, a renter in Houston investing 10% of their rent ($150/month) into diversified REITs could accumulate a 20% down payment of $66,000 in approximately 17.3 years. The same monthly contribution in a high-yield savings account would take about 22.7 years.
Home prices in Houston have grown 18% over the past five years, roughly in line with national trends. For renters, this means the down payment target continues to move — making it even more important to invest rather than just save, so your money grows alongside home prices.