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What could your rent buy in the RGV?

I'm a math teacher and a REALTOR®, so I ran the real numbers: rate, property taxes, insurance and FHA mortgage insurance, all in. Find your rent below and see the home price that same monthly amount could cover in McAllen right now.

Your rentHome price it could coverDown payment (3.5%)Est. monthly paymentYear one, before homestead
$1,000$105,000$3,675$972$1,054
$1,200$125,000$4,375$1,157$1,254
$1,400$150,000$5,250$1,396$1,505
$1,600$170,000$5,950$1,597$1,706
$1,800$190,000$6,650$1,798$1,907
$2,000$210,000$7,350$1,998$2,107

Example numbers as of October 29, 2026: FHA loan, 3.5% down, 30 years at 7.24% (Freddie Mac weekly average), McAllen tax rates with the homestead exemption, insurance at about 1.2% of the price per year, FHA mortgage insurance at 0.55% per year. Not a loan offer. Your rate, taxes and insurance will be different, which is exactly why it's worth running your own.

Want your exact numbers?

Tell me your rent, your budget and the area you like. I'll send back your own breakdown: payment, cash to close, and the homes that fit. No pressure, just the math.

Send me my numbers Try the payment calculator

Or call or text 956-862-1556, or DM MATH to @martinezrgvhomes on Instagram.

How I figured it

What's in the monthly payment

Principal and interest on the loan, property taxes, homeowners insurance and FHA mortgage insurance. HOA dues aren't included; many RGV neighborhoods don't have them, but some do.

Why year one costs more

Your homestead exemption usually doesn't apply until the tax year after you buy, so your first year's escrow is based on the full taxable value. Once it kicks in, your payment drops.

What about the 5-year picture?

At $1,400 a month, a renter pays about $84,000 over five years and ends with no equity. A buyer paying about the same ends with roughly $11,000 in equity from the down payment and principal paid down, and that assumes the home doesn't gain any value at all.

Below are homes for sale in Hidalgo County in that $100K to $220K range. Save any that catch your eye and I'll run the numbers on that exact house.

Luciano Martinez · REALTOR® · RE/MAX Platinum · 1200 Auburn Ave Ste 285, McAllen, TX 78504

Homes in Hidalgo County from $100K to $220K

2710 Green Castle Street, Donna
$150,000
3 Beds ⋅ 2 Baths ⋅ 491701 MLS ⋅ San Rafael SubDv. ⋅ ACTIVE Status
Don’t miss this exceptional investment opportunity in Donna, TX! Situated on a spacious half-acre lot, this unfinished 3-bedroom, 2-bathroom home offers a strong foundation for customization and value-add potential. The structure is in place and ready for the right investor or builder to bring it to completion. With plenty of room for additional improvements, exterior enhancements, a garage, workshop, or outdoor amenities, this property allows for multiple exit strategies—including resale, rental, or portfolio hold. Located in a rapidly growing area with easy access to local schools, retail, and major highways, this project offers both convenience and future upside. Whether you're seeking your next flip, a long-term rental investment, or a development opportunity, this property checks all the boxes for a strategic value-add play.

2710 Green Castle Street, Donna
313 Meandering Way Avenue, Pharr
$120,000
3 Beds ⋅ 2 Baths ⋅ 492102 MLS ⋅ Citrus Bay SubDv. ⋅ ACTIVE Status
Move-in ready 3-bedroom, 2-bath home located in the heart of Pharr. Conveniently within walking distance to local schools, this property offers both comfort and practicality. Perfect for first-time homebuyers or investors, it’s situated in a peaceful neighborhood with easy access to shopping, dining, and major roads. The home is fully fenced and includes storage and kitchen appliances that will convey.

313 Meandering Way Avenue, Pharr
1504 Samara Avenue Unit #1, Pharr
$170,000
2 Beds ⋅ 2 Baths ⋅ 491691 MLS ⋅ Veterans Oaks SubDv. ⋅ ACTIVE Status
Veterans Oak Subdivision where modern design meets timeless comfort. This brand new residential subdivision offers thoughtfully designed 2-bedroom, 2-bath and 3-bedroom, 2-bath homes featuring an open-concept layout, high-end finishes, and sleek contemporary styling throughout. Each residence showcases elegant stucco exteriors, quality craftsmanship, and light-filled interiors designed for both everyday living and entertaining. Enjoy modern kitchens, stylish bathrooms, and efficient floor plans that maximize space and functionality. Built with today’s homeowner in mind, these homes offer durability, low maintenance, and energy-conscious features for long-term value and most importantly affordable. Perfect for first-time buyers, downsizers, or investors seeking new construction in a growing area. Limited availability in this exceptional new community so schedule your private showing today. PLUS!! SELLER IS OFFERING $10,000.00 TOWARDS BUYERS CLOSING COSTS!

1504 Samara Avenue Unit #1, Pharr
1303 Canary Lane, La Villa
$200,000
3 Beds ⋅ 2 Baths ⋅ 491660 MLS ⋅ La Villa South SubDv. ⋅ ACTIVE Status
A beautiful home nestled in a quiet neighborhood in La Villa, Texas. It is perfect for first-time buyers, growing families, or anyone looking for comfortable small-town living with easy access to nearby cities. This residence offers an open-concept layout designed for both everyday living and entertaining. The spacious living area flows seamlessly into the kitchen and dining space, creating a warm and inviting atmosphere for family gatherings or hosting friends. Natural light fills every room, highlighting the neutral finishes that make this home truly move-in ready. Step outside to enjoy a large backyard—ideal for weekend barbecues, pets, or adding your dream outdoor setup. Conveniently located in La Villa with easy access to schools, 20 minutes to Rio Grande Premium Outlets, and 1 hour 15 minutes to SpaceX near Boca Chica. You can take a beach getaway to South Padre Island in 1 hour and 15 minutes. This home is move-in ready! Don't miss your opportunity now!

1303 Canary Lane, La Villa
2121 Cypress Drive, Edinburg
$170,000
3 Beds ⋅ 1 Baths ⋅ 491876 MLS ⋅ Iowa Estates SubDv. ⋅ ACTIVE Status
Charming 3-bedroom, 1-bathroom home situated on a spacious corner lot! This property offers ample outdoor space, perfect for entertaining or expansion opportunities. Conveniently located just minutes from Highway 69C, enjoy easy access to shopping, dining, and entertainment. Don’t miss out on this great opportunity to own a home in a prime location!

2121 Cypress Drive, Edinburg
1307 Rising Sun Street, Alamo
$175,000
3 Beds ⋅ 2 Baths ⋅ 491335 MLS ⋅ Cantera Hermosa Ph. 3 SubDv. ⋅ ACTIVE Status
This move-in ready 16 x 76 manufactured home on a 6266 sq. ft lot! This mobile home offers 1216 sq ft of living space with 3 bedrooms, 2 bathrooms, a laundry area, on an open concept design with modern finishes and generous living spaces throughout for family time or much more. With a large storage building and a big carport. Schedule your appointment Today. Seller Financing available with $25,000 down payment. OPTION 1: $1,450.00 fixed monthly payment for 15 years; OPTION 2: $1,250.00 fixed monthly payment for 18 years.

1307 Rising Sun Street, Alamo
1223 Ohio Avenue, San Juan
$129,500
2 Beds ⋅ 1 Baths ⋅ 491682 MLS ⋅ Moore's SubDv. ⋅ ACTIVE Status
Charming and move-in ready! This delightful 2-bedroom, 1-bath bungalow-style home is nestled in a well-established neighborhood in the heart of San Juan, Texas. Sitting on a spacious 5,000 sq. ft. lot, this 1,502 sq. ft. home boasts freshly painted interiors, offering a clean and inviting atmosphere. The thoughtfully designed layout provides comfort and functionality, making it perfect for first-time buyers, downsizers, or investors. Enjoy the tranquility of an established community while still being conveniently located near schools, shopping, dining, and entertainment. Don't miss your chance to own this turn-key gem — schedule a showing today!

1223 Ohio Avenue, San Juan
401 Taurus Street, Mission
$170,000
2 Beds ⋅ 2 Baths ⋅ 491130 MLS ⋅ Aladdin Villas Ph 2 SubDv. ⋅ ACTIVE Status
Great home on corner lot located in active 55+ Community. Large 2 car garage, 2 bedrooms plus bonus room. Spacious living room with vaulted/beam ceilings. The kitchen comes fully equipped with all appliances, including the washer and dryer, which are included with the home. Bonus room is perfect for office, additional living room, craft room or a place to put out of town guests. The master bedroom has large walk in closet plus a large walk-in shower. This desirable community has a library, clubhouses, a beautiful dance floor, swimming pool, two hot tubs, tennis courts and much more! This property is ideal for those looking to embrace an active, social lifestyle in a welcoming, well-maintained community.

401 Taurus Street, Mission
505 Citrus Circle, San Juan
$105,000
3 Beds ⋅ 3 Baths ⋅ 490842 MLS ⋅ Orangewood Estates SubDv. ⋅ ACTIVE Status
Orangewood Estates 55 + Community - City of San Juan - Move In Ready, Beautiful, fully furnished Mobile Home! The Home has 3 bedrooms, 3 Baths, 2 Living Areas. Total Living Area 1,630 square feet. Sitting on a 4,016 square foot Lot. It has new laminate flooring in the 3 bedrooms and in the Texas Room, installed in February of 2025. All windows are covered with Cordless Honeycomb Cellular Top-Down/Bottom Up Window Shades, installed in January of 2024. New Ceiling Fans were installed in February of 2025. A 3-Person Hot Tub was installed in January of 2025 and is included with the sale. The carport has Roll Down Privacy curtains that were installed in December of 2023 and a 20 X 18 Concrete Parking Slab was poured in March of 2025. The Community has a Club House with a Pool Table and a Shuffle Board Court. Close to Business 83 and Stewart, just South of Ridge. Model Marlette Serial RAD0206402 .

505 Citrus Circle, San Juan
1704 Del Oro Drive, Weslaco
$149,000
3 Beds ⋅ 1 Baths ⋅ 490716 MLS ⋅ Las Brisas Del Oro SubDv. ⋅ ACTIVE Status
Move-in ready home located at 1704 Del Oro in Weslaco! This well-maintained property offers a comfortable and functional layout, new AC, new roof, perfect for first-time buyers or investors. FHA financing welcome. Conveniently located near the expressway and schools, providing easy access for daily commuting, shopping, and dining. Enjoy spacious living areas and a generous yard with room to relax or entertain. Don’t miss this great opportunity.

1704 Del Oro Drive, Weslaco
3525 Gala Avenue, Edinburg
$189,000
4 Beds ⋅ 2 Baths ⋅ 489002 MLS ⋅ Caesar's Ranches SubDv. ⋅ ACTIVE Status
Check out this lovely home in Edinburg, conveniently located near restaurants. It features four bedrooms and two bathrooms, along with a kitchen white cabinets and granite countertops. The dining room is great for gatherings, and the spacious rooms add to the comfort. Plus, the backyard offers plenty of space ready for expansion or large carport. Don’t miss out on this opportunity. Schedule a showing today!

3525 Gala Avenue, Edinburg
406 South E Avenue, Donna
$199,000
3 Beds ⋅ 2 Baths ⋅ 489227 MLS ⋅ Erasmo Guajardo Estates SubDv. ⋅ ACTIVE Status
The feel of country living in the city. Enjoy this charming South facing home with an elongated covered porch. You will have many opportunities to enjoy Southern breezy evenings and plenty of space to add lots of seating. This three bedroom, two bath home sits on approximately, 1.37 acres. It is located just yards away (in between), IDEA ACADEMY and SOLIS ELEMENTARY. Although the original structure was built in 1969, the house was enlarged & remodeled in 2018. This remodel included the new porch, primary bedroom, primary bathroom, laundry room and the Northeast corner bedroom. In addition, a new roof was installed at that time. Outside the extended paved driveway will accommodate many vehicles. The mature trees which line the front of the property allow for a little extra privacy. So much room to explore and add on plus lots of parking for guests! Enjoy the ease of country charm while appreciating the proximity of being in town where everything is literally within walking distance.

406 South E Avenue, Donna
921 N 27 1/2 Street, Mcallen
$164,000
3 Beds ⋅ 1 Baths ⋅ 488545 MLS ⋅ Langridge Addition SubDv. ⋅ ACTIVE Status
This charming 3 bedroom 1 bathroom property is located in a prime location, close to Schools, Restaurants, HEB and South Texas College. Excellent opportunity to own a great home in a well established neighborhood. Home is in solid condition featuring a functional layout, spacious bedrooms and living area, granite countertop in both kitchen and restroom. New AC unit installed in 2025. The large sized fenced backyard is great for outdoor gatherings with family or friends. There is also a 12x8 concrete slab for an ADU, small office or shed. Thank you for showing.

921 N 27 1/2 Street, Mcallen
504 Rosa Priego Street, Donna
$175,000
3 Beds ⋅ 2 Baths ⋅ 490692 MLS ⋅ West Donna Estates SubDv. ⋅ ACTIVE Status
Beautiful home located in a quiet and conveniently accessible area. This property offers a comfortable and functional layout, perfect for families or first-time homebuyers. The home features 3 bedrooms and 2 bathrooms, plus an additional room with a private entrance, ideal for rental income, a home office, guest suite, or multigenerational living. Enjoy a well-designed floor plan with great natural light throughout. The kitchen offers ample cabinet space and opens to the dining area, while the living room provides a warm and inviting space for everyday living and entertaining. The spacious backyard offers plenty of room for outdoor gatherings, play areas, or future expansions. Conveniently located near schools, shopping, and major roads for easy access. Just 2 minutes of Expressway.

504 Rosa Priego Street, Donna
2708 Dillion Drive, Mission
$185,000
3 Beds ⋅ 2 Baths ⋅ 490368 MLS ⋅ Abram Estates No. 1 SubDv. ⋅ ACTIVE Status
Beautifully remodeled 3-bedroom, 2-bath home ideally located near shopping, restaurants, parks, schools, and newly developed plazas, with easy access to Hwy 83. Situated on a fully fenced 6,205 sq ft lot. Features high ceilings in the living area and an open-concept layout. Modern kitchen with white cabinetry, white granite countertops with gray marble accents, and center island. Both bathrooms are fully updated with porcelain tile, decorative mosaic showers, and LED-lit mirrors. Dark gray vinyl flooring complements the light gray walls throughout. Move-in ready—schedule your showing today! Seller consessions available!

2708 Dillion Drive, Mission
323 E 3rd Street, San Juan
$135,000
3 Beds ⋅ 1 Baths ⋅ 488697 MLS ⋅ San Juan Original Townsite SubDv. ⋅ ACTIVE Status
This charming home offers 3 bedrooms and 1 bathroom with 1,116 square feet of comfortable living space just minutes from the expressway. The functional open layout features an inviting living and kitchen area, creating a warm and welcoming atmosphere ideal for everyday living. The kitchen includes a stove and microwave with stylish butcher block countertops, adding both character and functionality. The bedrooms provide flexibility for family, guests, or a home office. Step outside to a private backyard space, perfect for relaxing or entertaining. A great opportunity to own a cozy, well-designed home with room to make it your own. Located in a highly desirable area of San Juan, TX, you’ll enjoy quick access to schools, shopping, dining, and major roadways. Perfect as a starter home, downsizing option, or investment. ***Owner financing available***

323 E 3rd Street, San Juan
1016 Country Club Drive, Mission
$175,000
3 Beds ⋅ 2 Baths ⋅ 487304 MLS ⋅ Highland Park SubDv. ⋅ ACTIVE Status
Discover the perfect opportunity in the heart of Mission with this charming three-bedroom, two-bathroom home. Ideally situated near schools, shopping, and dining, this property offers both convenience and potential. With a touch of TLC, it can be transformed into your dream forever home. Enjoy the benefits of South Texas living with an outdoor above-ground swimming pool, perfect for relaxation and entertaining year-round. Motivated Seller. Don't miss this chance to create lasting memories in a vibrant community!

1016 Country Club Drive, Mission
1823 N Oak Street, Alton
$125,000
2 Beds ⋅ 1 Baths ⋅ 489102 MLS ⋅ Tierra Estates SubDv. ⋅ ACTIVE Status
Charming single-story home in Alton featuring an open layout with high ceilings and decorative tray ceiling details. Interior offers wood-look flooring in main living areas, tile in kitchen and wet areas, and plenty of natural light. Kitchen includes ample cabinetry and an interior laundry area with washer and dryer connections. Spacious yard with mature trees provides privacy and room for outdoor use or future improvements. Convenient location near schools, shopping, and major roadways.

1823 N Oak Street, Alton
3300 Pradera Street, Mission
$195,000
5 Beds ⋅ 5 Baths ⋅ 489098 MLS ⋅ Pradera SubDv. ⋅ ACTIVE Status
Excellent income-producing opportunity in Mission, Texas—now eligible for a USDA loan with zero down payment! Ideal for investors, first-time homebuyers, or owner-occupants, this versatile property is perfect for those seeking a spacious home with built-in rental income. The property features three rental units—two detached and one attached—each with its own private kitchen and bathroom, and each currently rented for $500 per month, providing immediate and consistent cash flow. Situated on a fully fenced half-acre lot, the property includes a 2-year-old roof, a new A/C unit and water heater, and a motorized entry gate for added security. With low property taxes, mature fruit trees, and room for future expansion, this property offers both comfort and long-term value.

3300 Pradera Street, Mission
1017 Saltillo Street, Edinburg
$159,900
4 Beds ⋅ 2 Baths ⋅ 489062 MLS ⋅ Mirasol SubDv. ⋅ ACTIVE Status
Come check out 1017 Saltillo St home in Edinburg that features a 4-bedroom, 2-bath home! This home is a must-see! Featuring a brand new roof recently installed in March and a motorized gate for added security, this property offers peace of mind and modern convenience. The open-concept living room flows seamlessly into a spacious kitchen, perfect for entertaining. The large master bedroom provides a comfortable retreat, while the huge backyard offers plenty of space for outdoor activities. Located close to Edinburg ISD schools, expressways, and shopping centers, this home is ideally situated for families and commuters alike. Don’t miss out on this fantastic opportunity! Schedule your showing today!

1017 Saltillo Street, Edinburg
433 S Bowie Street, Elsa
$220,000
3 Beds ⋅ 2 Baths ⋅ 488410 MLS ⋅ Azucar Estates SubDv. ⋅ ACTIVE Status
Welcome to your next home—an inviting 3-bedroom, 2-bath gem tucked away in a quiet, peaceful neighborhood! The home features three comfortable bedrooms and two well-kept bathrooms, making it ideal for families, first-time buyers, or anyone seeking a relaxed lifestyle. The peaceful surroundings and low-traffic street make this property feel like a retreat, while still being close to everything you need. Just minutes away, you’ll find major conveniences such as H-E-B, Walmart, IDEA Public Schools, CVS, AutoZone, and popular dining options—giving you the perfect blend of privacy and accessibility. Whether you’re starting a new chapter or looking for a quiet place to call home, this property offers comfort, value, and a welcoming atmosphere from the moment you arrive. Come see why this home is the perfect fit for you!

433 S Bowie Street, Elsa
1409 J And E Street, Hidalgo
$200,000
3 Beds ⋅ 2 Baths ⋅ 488225 MLS ⋅ Villa Garza-Flores SubDv. ⋅ ACTIVE Status
Brand New Home 3 bedroom, 2 baths all ceramic floors must see

1409 J And E Street, Hidalgo
4940 Mile 10 N, Mercedes
$149,000
3 Beds ⋅ 1 Baths ⋅ 488062 MLS ⋅ Capisallo SubDv. ⋅ ACTIVE Status
Welcome to 4940 Mile 10 in the Queen City of Marcedes, TX. This home is 1287 sq ft. and perfect for quiet country living. Benefit from avoiding city tax rates. The back yard is very spacious and has plenty of mature trees. This home is waiting for you to bring it back to its former glory. The one car garage was converted to a large bedroom just off the kitchen. It features an open concept kitchen, living and dining room with a sliding door that connects the great outdoors to the home making it a perfect entertaining for many years to come. Located just minutes from the Premium Outlets.* Does not qualify for fha or Va loans. No seller financing available

4940 Mile 10 N, Mercedes
1842 La Fuente Drive, Penitas
$160,000
3 Beds ⋅ 2 Baths ⋅ 487960 MLS ⋅ Upper Valley Estates SubDv. ⋅ ACTIVE Status
This home sits on .50 acres, minutes away from major highways, popular stores, and restaurants! Featuring 3 bedrooms, 2 bathrooms and a spacious kitchen and living room. Big backyard with covered patio ready for all your family gatherings!!!

1842 La Fuente Drive, Penitas
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