Mortgage Rates in Clute, Texas — March 2026
Updated March 2026 | Based on Clute market data and regional lending conditions
Clute is a growing city in Texas with a population of 11,211. The current 30-year fixed mortgage rate in Clute is 6.67%, which is 0.02% above the national average. With a median home price of $274,000 and a 20% down payment of $54,800, homebuyers can expect a monthly principal and interest payment of approximately $1,410.
Current Mortgage Rates in Clute, TX
Below are the current average mortgage rates available in the Clute 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 | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.92% | 6.85% | +0.07% |
Clute Housing Market Overview
The Clute housing market offers relatively affordable housing compared to many major cities. The median household income in Clute is $54,800, and the cost of living index is 83.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $78,814 to comfortably afford the median-priced home in Clute, which exceeds the current median household income.
Monthly Payment Breakdown for Clute
Based on the median home price of $274,000 with 20% down ($54,800), here is what you can expect to pay monthly in Clute:
15-Year vs. 30-Year Mortgage in Clute
Choosing a 15-year mortgage in Clute at 5.93% instead of a 30-year at 6.67% would save you $176,220 in total interest over the life of the loan. However, your monthly payment would be $1,841 instead of $1,410 — an increase of $431 per month.
Calculate Your Clute Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Clute
What are the current mortgage rates in Clute, TX?
As of March 2026, the average 30-year fixed mortgage rate in Clute, Texas is 6.67%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in Clute?
Based on the median home price of $274,000 with 20% down, the estimated monthly mortgage payment in Clute is $1,410 for principal and interest. Including property taxes of $429/month, the total monthly housing cost is approximately $1,839.
What income do I need to buy a home in Clute?
Using the 28% rule, you would need an annual income of approximately $78,814 to afford the median-priced home in Clute at $274,000. The median household income in Clute is $54,800. This means most households would need to either earn above the median or consider homes below $274,000.
Is Clute a good place to buy a home in 2026?
Clute offers a below-average cost of living with a cost of living index of 83.8 (national average = 100). The property tax rate in Texas is 1.88%, which is above the national average. Clute has a population of 11,211 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 Clute, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.