Texas equity has held. With no state income tax, DTI math leaves more room than coastal states. The HELOC route pencils faster than most owners expect.
Primary home value tracks the state-level Zillow Home Value Index for late 2025. Median household income is from the most recent BLS state estimates. The typical second-home target is the local market that draws the most second-home demand: Hill Country lot or Galveston getaway for Texas. Mortgage balance is set at roughly half of home value, the rough mid-tenure point. Edit anything once you load the calculator.
Most people guess wrong about how their state's market shapes the verdict. Seeing the typical TX household first gives you a baseline: are you ahead of it, behind it, or right on it?