Mortgage Rates in Henrietta, Texas — March 2026
Updated March 2026 | Based on Henrietta market data and regional lending conditions
Henrietta is a smaller Texas community of 27,323 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.62% (0.03% below the national average). The median home price of $340,000 translates to roughly $2,322/month with 20% down — requiring an income of about $99,514, which exceeds the local median of $75,500.
Current Mortgage Rates in Henrietta, TX
Below are the current average mortgage rates available in the Henrietta 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 | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.89% | 5.89% | 0% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.87% | 6.85% | +0.02% |
Henrietta Housing Market Overview
Housing in Henrietta sits near the national average at $340,000. With a median household income of $75,500 and a cost of living index of 94.9, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Henrietta
Based on the median home price of $340,000 with 20% down ($68,000), here is what you can expect to pay monthly in Henrietta:
15-Year vs. 30-Year Mortgage in Henrietta
Choosing a 15-year mortgage in Henrietta at 5.89% instead of a 30-year at 6.62% would save you $216,540 in total interest over the life of the loan. However, your monthly payment would be $2,279 instead of $1,741 — an increase of $538 per month.
Calculate Your Henrietta 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 Henrietta
What are the current mortgage rates in Henrietta, TX?
As of March 2026, the average 30-year fixed mortgage rate in Henrietta, Texas is 6.62%, while the 15-year fixed rate is 5.89%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Henrietta?
Based on the median home price of $340,000 with 20% down, the estimated monthly mortgage payment in Henrietta is $1,741 for principal and interest. Including property taxes of $581/month, the total monthly housing cost is approximately $2,322.
What income do I need to buy a home in Henrietta?
Using the 28% rule, you would need an annual income of approximately $99,514 to afford the median-priced home in Henrietta at $340,000. The median household income in Henrietta is $75,500. This means most households would need to either earn above the median or consider homes below $340,000.
Is Henrietta a good place to buy a home in 2026?
Henrietta offers a below-average cost of living with a cost of living index of 94.9 (national average = 100). The property tax rate in Texas is 2.05%, which is above the national average. Henrietta has a population of 27,323 and offers a very affordable lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Henrietta, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.