Mortgage Rates in Seagoville, Texas — March 2026
Updated March 2026 | Based on Seagoville market data and regional lending conditions
Seagoville is a growing city in Texas with a population of 17,762. The current 30-year fixed mortgage rate in Seagoville is 6.88%, which is 0.23% above the national average. With a median home price of $249,000 and a 20% down payment of $49,800, homebuyers can expect a monthly principal and interest payment of approximately $1,309.
Current Mortgage Rates in Seagoville, TX
Below are the current average mortgage rates available in the Seagoville 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 | 6.88% | 6.65% | +0.23% |
| 15-Year Fixed | 6.09% | 5.89% | +0.2% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.13% | 6.85% | +0.28% |
Seagoville Housing Market Overview
The Seagoville housing market offers relatively affordable housing compared to many major cities. The median household income in Seagoville is $64,300, and the cost of living index is 83.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $73,071 to comfortably afford the median-priced home in Seagoville, which exceeds the current median household income.
Monthly Payment Breakdown for Seagoville
Based on the median home price of $249,000 with 20% down ($49,800), here is what you can expect to pay monthly in Seagoville:
15-Year vs. 30-Year Mortgage in Seagoville
Choosing a 15-year mortgage in Seagoville at 6.09% instead of a 30-year at 6.88% would save you $166,860 in total interest over the life of the loan. However, your monthly payment would be $1,691 instead of $1,309 — an increase of $382 per month.
Calculate Your Seagoville 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 Seagoville
What are the current mortgage rates in Seagoville, TX?
As of March 2026, the average 30-year fixed mortgage rate in Seagoville, Texas is 6.88%, while the 15-year fixed rate is 6.09%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.23% above the national average of 6.65%.
How much is a monthly mortgage payment in Seagoville?
Based on the median home price of $249,000 with 20% down, the estimated monthly mortgage payment in Seagoville is $1,309 for principal and interest. Including property taxes of $396/month, the total monthly housing cost is approximately $1,705.
What income do I need to buy a home in Seagoville?
Using the 28% rule, you would need an annual income of approximately $73,071 to afford the median-priced home in Seagoville at $249,000. The median household income in Seagoville is $64,300. This means most households would need to either earn above the median or consider homes below $249,000.
Is Seagoville a good place to buy a home in 2026?
Seagoville offers a below-average cost of living with a cost of living index of 83.6 (national average = 100). The property tax rate in Texas is 1.91%, which is above the national average. Seagoville has a population of 17,762 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 Seagoville, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.