Mortgage Rates in Port Neches, Texas — March 2026
Updated March 2026 | Based on Port Neches market data and regional lending conditions
Port Neches is a growing city in Texas with a population of 13,040. The current 30-year fixed mortgage rate in Port Neches is 6.8%, which is 0.15% above the national average. With a median home price of $239,000 and a 20% down payment of $47,800, homebuyers can expect a monthly principal and interest payment of approximately $1,246.
Current Mortgage Rates in Port Neches, TX
Below are the current average mortgage rates available in the Port Neches 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% |
Port Neches Housing Market Overview
The Port Neches housing market offers relatively affordable housing compared to many major cities. The median household income in Port Neches is $61,600, and the cost of living index is 87.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $69,600 to comfortably afford the median-priced home in Port Neches, which exceeds the current median household income.
Monthly Payment Breakdown for Port Neches
Based on the median home price of $239,000 with 20% down ($47,800), here is what you can expect to pay monthly in Port Neches:
15-Year vs. 30-Year Mortgage in Port Neches
Choosing a 15-year mortgage in Port Neches at 6.03% instead of a 30-year at 6.8% would save you $157,500 in total interest over the life of the loan. However, your monthly payment would be $1,617 instead of $1,246 — an increase of $371 per month.
Calculate Your Port Neches 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 Port Neches
What are the current mortgage rates in Port Neches, TX?
As of March 2026, the average 30-year fixed mortgage rate in Port Neches, 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 Port Neches?
Based on the median home price of $239,000 with 20% down, the estimated monthly mortgage payment in Port Neches is $1,246 for principal and interest. Including property taxes of $378/month, the total monthly housing cost is approximately $1,624.
What income do I need to buy a home in Port Neches?
Using the 28% rule, you would need an annual income of approximately $69,600 to afford the median-priced home in Port Neches at $239,000. The median household income in Port Neches is $61,600. This means most households would need to either earn above the median or consider homes below $239,000.
Is Port Neches a good place to buy a home in 2026?
Port Neches offers a below-average cost of living with a cost of living index of 87.4 (national average = 100). The property tax rate in Texas is 1.9%, which is above the national average. Port Neches has a population of 13,040 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 Port Neches, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.