Mortgage Rates in Liberty, Texas — March 2026
Updated March 2026 | Based on Liberty market data and regional lending conditions
Liberty is a growing city in Texas with a population of 9,579. The current 30-year fixed mortgage rate in Liberty is 6.61%, which is 0.04% below the national average. With a median home price of $242,000 and a 20% down payment of $48,400, homebuyers can expect a monthly principal and interest payment of approximately $1,238.
Current Mortgage Rates in Liberty, TX
Below are the current average mortgage rates available in the Liberty 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 | 6.61% | 6.65% | -0.04% |
| 15-Year Fixed | 5.88% | 5.89% | -0.01% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.86% | 6.85% | +0.01% |
Liberty Housing Market Overview
The Liberty housing market offers relatively affordable housing compared to many major cities. The median household income in Liberty is $56,000, and the cost of living index is 92.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $68,186 to comfortably afford the median-priced home in Liberty, which exceeds the current median household income.
Monthly Payment Breakdown for Liberty
Based on the median home price of $242,000 with 20% down ($48,400), here is what you can expect to pay monthly in Liberty:
15-Year vs. 30-Year Mortgage in Liberty
Choosing a 15-year mortgage in Liberty at 5.88% instead of a 30-year at 6.61% would save you $153,900 in total interest over the life of the loan. However, your monthly payment would be $1,621 instead of $1,238 — an increase of $383 per month.
Calculate Your Liberty 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 Liberty
What are the current mortgage rates in Liberty, TX?
As of March 2026, the average 30-year fixed mortgage rate in Liberty, Texas is 6.61%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.04% below the national average of 6.65%.
How much is a monthly mortgage payment in Liberty?
Based on the median home price of $242,000 with 20% down, the estimated monthly mortgage payment in Liberty is $1,238 for principal and interest. Including property taxes of $353/month, the total monthly housing cost is approximately $1,591.
What income do I need to buy a home in Liberty?
Using the 28% rule, you would need an annual income of approximately $68,186 to afford the median-priced home in Liberty at $242,000. The median household income in Liberty is $56,000. This means most households would need to either earn above the median or consider homes below $242,000.
Is Liberty a good place to buy a home in 2026?
Liberty offers a below-average cost of living with a cost of living index of 92.8 (national average = 100). The property tax rate in Texas is 1.75%, which is above the national average. Liberty has a population of 9,579 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 Liberty, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.