Mortgage Rates in San Juan, Texas — March 2026
Updated March 2026 | Based on San Juan market data and regional lending conditions
San Juan is a growing city in Texas with a population of 36,667. The current 30-year fixed mortgage rate in San Juan is 6.81%, which is 0.16% above the national average. With a median home price of $280,000 and a 20% down payment of $56,000, homebuyers can expect a monthly principal and interest payment of approximately $1,462.
Current Mortgage Rates in San Juan, TX
Below are the current average mortgage rates available in the San Juan 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 | 6.81% | 6.65% | +0.16% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.06% | 6.85% | +0.21% |
San Juan Housing Market Overview
The San Juan housing market offers relatively affordable housing compared to many major cities. The median household income in San Juan is $58,200, and the cost of living index is 86.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $81,171 to comfortably afford the median-priced home in San Juan, which exceeds the current median household income.
Monthly Payment Breakdown for San Juan
Based on the median home price of $280,000 with 20% down ($56,000), here is what you can expect to pay monthly in San Juan:
15-Year vs. 30-Year Mortgage in San Juan
Choosing a 15-year mortgage in San Juan at 6.04% instead of a 30-year at 6.81% would save you $185,220 in total interest over the life of the loan. However, your monthly payment would be $1,895 instead of $1,462 — an increase of $433 per month.
Calculate Your San Juan 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 San Juan
What are the current mortgage rates in San Juan, TX?
As of March 2026, the average 30-year fixed mortgage rate in San Juan, Texas is 6.81%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.16% above the national average of 6.65%.
How much is a monthly mortgage payment in San Juan?
Based on the median home price of $280,000 with 20% down, the estimated monthly mortgage payment in San Juan is $1,462 for principal and interest. Including property taxes of $432/month, the total monthly housing cost is approximately $1,894.
What income do I need to buy a home in San Juan?
Using the 28% rule, you would need an annual income of approximately $81,171 to afford the median-priced home in San Juan at $280,000. The median household income in San Juan is $58,200. This means most households would need to either earn above the median or consider homes below $280,000.
Is San Juan a good place to buy a home in 2026?
San Juan offers a below-average cost of living with a cost of living index of 86.3 (national average = 100). The property tax rate in Texas is 1.85%, which is above the national average. San Juan has a population of 36,667 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 San Juan, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.