Mortgage Rates in Post, Texas — March 2026
Updated March 2026 | Based on Post market data and regional lending conditions
Post is a smaller Texas community of 28,388 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.89% (0.24% above the national average). The median home price of $400,000 translates to roughly $2,585/month with 20% down — requiring an income of about $110,786, which exceeds the local median of $64,000.
Current Mortgage Rates in Post, TX
Below are the current average mortgage rates available in the Post 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 | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
Post Housing Market Overview
Housing in Post sits near the national average at $400,000. With a median household income of $64,000 and a cost of living index of 114.9, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Post
Based on the median home price of $400,000 with 20% down ($80,000), here is what you can expect to pay monthly in Post:
15-Year vs. 30-Year Mortgage in Post
Choosing a 15-year mortgage in Post at 6.1% instead of a 30-year at 6.89% would save you $268,560 in total interest over the life of the loan. However, your monthly payment would be $2,718 instead of $2,105 — an increase of $613 per month.
Calculate Your Post 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 Post
What are the current mortgage rates in Post, TX?
As of March 2026, the average 30-year fixed mortgage rate in Post, Texas is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in Post?
Based on the median home price of $400,000 with 20% down, the estimated monthly mortgage payment in Post is $2,105 for principal and interest. Including property taxes of $480/month, the total monthly housing cost is approximately $2,585.
What income do I need to buy a home in Post?
Using the 28% rule, you would need an annual income of approximately $110,786 to afford the median-priced home in Post at $400,000. The median household income in Post is $64,000. This means most households would need to either earn above the median or consider homes below $400,000.
Is Post a good place to buy a home in 2026?
Post has a moderate cost of living with a cost of living index of 114.9 (national average = 100). The property tax rate in Texas is 1.44%, which is near the national average. Post has a population of 28,388 and offers a balanced 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 Post, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.