How Much Home Can I Afford in Royse City, TX?

by Delisa Lapinsky

Royse City has that “small town meets new development” vibe, and affordability is still its superpower.

The general rule: your monthly home cost (mortgage, taxes, insurance) should stay below 28–30% of your gross income.

Let’s say you make $100K annually—that’s roughly $2,500–$2,800/month toward housing. With today’s average interest rates and local tax rates, that could buy a $350K–$400K home in Royse City.

Don’t forget to factor in HOA fees, maintenance, and utilities. Use an online affordability calculator, but local lenders can fine-tune based on Rockwall County tax rates and insurance costs.

Many new builds in Royse City still qualify for builder incentives—worth exploring before rates shift again.