Mortgage Rates in Clyde, Texas — April 2026
Updated April 2026 | Based on Clyde market data and regional lending conditions
Clyde is a smaller Texas community of 22,544 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.82% (0.17% above the national average). At a median home price of $182,500, the estimated $1,188/month payment (with 20% down) is affordable on the local median income of $65,500.
Current Mortgage Rates in Clyde, TX
Below are the current average mortgage rates available in the Clyde area as of April 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Clyde Housing Market Overview
At $182,500, Clyde offers more affordable housing than most U.S. metros. The local cost of living index is 93.3 (100 = national average), and the median household income of $65,500 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Clyde
Based on the median home price of $182,500 with 20% down ($36,500), here is what you can expect to pay monthly in Clyde:
15-Year vs. 30-Year Mortgage in Clyde
Choosing a 15-year mortgage in Clyde at 6.04% instead of a 30-year at 6.82% would save you $121,140 in total interest over the life of the loan. However, your monthly payment would be $1,235 instead of $954 — an increase of $281 per month.
Calculate Your Clyde Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Clyde
What are the current mortgage rates in Clyde, TX?
As of April 2026, the average 30-year fixed mortgage rate in Clyde, Texas is 6.82%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Clyde?
Based on the median home price of $182,500 with 20% down, the estimated monthly mortgage payment in Clyde is $954 for principal and interest. Including property taxes of $234/month, the total monthly housing cost is approximately $1,188.
What income do I need to buy a home in Clyde?
Using the 28% rule, you would need an annual income of approximately $50,914 to afford the median-priced home in Clyde at $182,500. The median household income in Clyde is $65,500. The median income is currently sufficient to meet this threshold.
Is Clyde a good place to buy a home in 2026?
Clyde offers a below-average cost of living with a cost of living index of 93.3 (national average = 100). The property tax rate in Texas is 1.54%, which is above the national average. Clyde has a population of 22,544 and offers a very affordable lifestyle.
Mortgage Rates in Other Texas Cities
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Last updated: April 2026. Rates are approximate averages based on regional lending data for the Clyde, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.