Mortgage Rates in Denver City, Texas — March 2026
Updated March 2026 | Based on Denver City market data and regional lending conditions
Denver City is a smaller Texas community of 25,133 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.75% (0.1% above the national average). The median home price of $235,000 translates to roughly $1,587/month with 20% down — requiring an income of about $68,014, which exceeds the local median of $59,000.
Current Mortgage Rates in Denver City, TX
Below are the current average mortgage rates available in the Denver City 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 | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7% | 6.85% | +0.15% |
Denver City Housing Market Overview
At $235,000, Denver City offers more affordable housing than most U.S. metros. The local cost of living index is 87.6 (100 = national average), and the median household income of $59,000 still requires careful budgeting at current rate levels.
Monthly Payment Breakdown for Denver City
Based on the median home price of $235,000 with 20% down ($47,000), here is what you can expect to pay monthly in Denver City:
15-Year vs. 30-Year Mortgage in Denver City
Choosing a 15-year mortgage in Denver City at 5.99% instead of a 30-year at 6.75% would save you $153,540 in total interest over the life of the loan. However, your monthly payment would be $1,585 instead of $1,219 — an increase of $366 per month.
Calculate Your Denver City 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 Denver City
What are the current mortgage rates in Denver City, TX?
As of March 2026, the average 30-year fixed mortgage rate in Denver City, Texas is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Denver City?
Based on the median home price of $235,000 with 20% down, the estimated monthly mortgage payment in Denver City is $1,219 for principal and interest. Including property taxes of $368/month, the total monthly housing cost is approximately $1,587.
What income do I need to buy a home in Denver City?
Using the 28% rule, you would need an annual income of approximately $68,014 to afford the median-priced home in Denver City at $235,000. The median household income in Denver City is $59,000. This means most households would need to either earn above the median or consider homes below $235,000.
Is Denver City a good place to buy a home in 2026?
Denver City offers a below-average cost of living with a cost of living index of 87.6 (national average = 100). The property tax rate in Texas is 1.88%, which is above the national average. Denver City has a population of 25,133 and offers a very affordable lifestyle.
Mortgage Rates in Other Texas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Denver City, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.