Mortgage Rates in Benbrook, Texas — March 2026
Updated March 2026 | Based on Benbrook market data and regional lending conditions
Benbrook is a growing city in Texas with a population of 24,153. The current 30-year fixed mortgage rate in Benbrook is 6.84%, which is 0.19% above the national average. With a median home price of $259,000 and a 20% down payment of $51,800, homebuyers can expect a monthly principal and interest payment of approximately $1,356.
Current Mortgage Rates in Benbrook, TX
Below are the current average mortgage rates available in the Benbrook area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Benbrook Housing Market Overview
The Benbrook housing market offers relatively affordable housing compared to many major cities. The median household income in Benbrook is $55,200, and the cost of living index is 93 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $75,129 to comfortably afford the median-priced home in Benbrook, which exceeds the current median household income.
Monthly Payment Breakdown for Benbrook
Based on the median home price of $259,000 with 20% down ($51,800), here is what you can expect to pay monthly in Benbrook:
15-Year vs. 30-Year Mortgage in Benbrook
Choosing a 15-year mortgage in Benbrook at 6.06% instead of a 30-year at 6.84% would save you $172,260 in total interest over the life of the loan. However, your monthly payment would be $1,755 instead of $1,356 — an increase of $399 per month.
Calculate Your Benbrook Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Benbrook
What are the current mortgage rates in Benbrook, TX?
As of March 2026, the average 30-year fixed mortgage rate in Benbrook, Texas is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Benbrook?
Based on the median home price of $259,000 with 20% down, the estimated monthly mortgage payment in Benbrook is $1,356 for principal and interest. Including property taxes of $397/month, the total monthly housing cost is approximately $1,753.
What income do I need to buy a home in Benbrook?
Using the 28% rule, you would need an annual income of approximately $75,129 to afford the median-priced home in Benbrook at $259,000. The median household income in Benbrook is $55,200. This means most households would need to either earn above the median or consider homes below $259,000.
Is Benbrook a good place to buy a home in 2026?
Benbrook offers a below-average cost of living with a cost of living index of 93 (national average = 100). The property tax rate in Texas is 1.84%, which is above the national average. Benbrook has a population of 24,153 and offers a very affordable lifestyle.
Mortgage Rates in Other Texas Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Benbrook, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.