The affordability of Texas homes dropped for the fifth straight year in 2016, according to the Texas Housing Affordability Index (THAI) computed by the Real Estate Center at Texas A&M University.

While median home prices in Texas have risen significantly during that time span, gains in the median family income have been moderate.

The THAI is the ratio of median family income to the income required to qualify for a mortgage. A higher THAI number indicates a more-affordable area than a lower THAI number.

The THAI across Texas in 2016 was 1.66 compared to 1.51 for the entire U.S. The most affordable Texas market was Palestine at 2.85, followed by Wichita Falls (2.78) and Paris (2.51).

Austin-Round Rock was the least affordable area at 1.54, with Dallas-Plano-Irving (1.58) and Kerrville (1.61) also at the less-affordable end of the list. Among the five largest Texas markets, Fort Worth-Arlington was the most affordable with an index of 1.99.

Though homes have been becoming less affordable in recent years, the THAI indicates that housing in the state is still more affordable than it was from 2006 to 2008.