Mortgage Rates in Leon Valley, Texas — March 2026
Updated March 2026 | Based on Leon Valley market data and regional lending conditions
Leon Valley is a smaller Texas community of 33,408 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.8% (0.15% above the national average). At a median home price of $170,000, the estimated $1,131/month payment (with 20% down) is affordable on the local median income of $56,500.
Current Mortgage Rates in Leon Valley, TX
Below are the current average mortgage rates available in the Leon Valley 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 | 6.8% | 6.65% | +0.15% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.05% | 6.85% | +0.2% |
Leon Valley Housing Market Overview
At $170,000, Leon Valley offers more affordable housing than most U.S. metros. The local cost of living index is 83 (100 = national average), and the median household income of $56,500 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Leon Valley
Based on the median home price of $170,000 with 20% down ($34,000), here is what you can expect to pay monthly in Leon Valley:
15-Year vs. 30-Year Mortgage in Leon Valley
Choosing a 15-year mortgage in Leon Valley at 6.03% instead of a 30-year at 6.8% would save you $112,320 in total interest over the life of the loan. However, your monthly payment would be $1,150 instead of $887 — an increase of $263 per month.
Calculate Your Leon Valley 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 Leon Valley
What are the current mortgage rates in Leon Valley, TX?
As of March 2026, the average 30-year fixed mortgage rate in Leon Valley, Texas is 6.8%, while the 15-year fixed rate is 6.03%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.15% above the national average of 6.65%.
How much is a monthly mortgage payment in Leon Valley?
Based on the median home price of $170,000 with 20% down, the estimated monthly mortgage payment in Leon Valley is $887 for principal and interest. Including property taxes of $244/month, the total monthly housing cost is approximately $1,131.
What income do I need to buy a home in Leon Valley?
Using the 28% rule, you would need an annual income of approximately $48,471 to afford the median-priced home in Leon Valley at $170,000. The median household income in Leon Valley is $56,500. The median income is currently sufficient to meet this threshold.
Is Leon Valley a good place to buy a home in 2026?
Leon Valley offers a below-average cost of living with a cost of living index of 83 (national average = 100). The property tax rate in Texas is 1.72%, which is above the national average. Leon Valley has a population of 33,408 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 Leon Valley, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.