Mortgage Rates in Texas — March 2026
Compare current mortgage rates across 193 cities in Texas. The average 30-year fixed rate is 6.7%, which is 0.05% above the national average of 6.65%.
6.7%
Avg 30-Year Fixed
5.94%
Avg 15-Year Fixed
$270,347
Avg Home Price
$1,395/mo
Avg Monthly Payment
Texas Housing Highlights
All 193 Cities in Texas
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Houston | 6.7% | $265,000 | $1,368 | 2,304,580 |
| San Antonio | 6.7% | $255,000 | $1,316 | 1,547,253 |
| Dallas | 6.7% | $315,000 | $1,626 | 1,304,379 |
| Austin | 6.7% | $450,000 | $2,323 | 978,908 |
| Fort Worth | 6.7% | $295,000 | $1,523 | 918,915 |
| El Paso | 6.7% | $185,000 | $955 | 678,815 |
| Arlington | 6.7% | $275,000 | $1,420 | 394,266 |
| Corpus Christi | 6.7% | $195,000 | $1,007 | 317,863 |
| Plano | 6.7% | $445,000 | $2,297 | 285,494 |
| Lubbock | 6.7% | $195,000 | $1,007 | 264,778 |
| Irving | 6.7% | $295,000 | $1,523 | 256,684 |
| Laredo | 6.7% | $175,000 | $903 | 255,205 |
| Garland | 6.7% | $275,000 | $1,420 | 246,018 |
| Frisco | 6.7% | $535,000 | $2,762 | 200,509 |
| Amarillo | 6.7% | $185,000 | $955 | 199,924 |
| Grand Prairie | 6.7% | $285,000 | $1,471 | 196,100 |
| McKinney | 6.7% | $445,000 | $2,297 | 195,308 |
| Brownsville | 6.7% | $135,000 | $697 | 186,738 |
| Killeen | 6.7% | $195,000 | $1,007 | 153,095 |
| Pasadena | 6.7% | $215,000 | $1,110 | 151,950 |
| Mesquite | 6.7% | $255,000 | $1,316 | 150,108 |
| Denton | 6.7% | $325,000 | $1,678 | 148,146 |
| Midland | 6.7% | $285,000 | $1,471 | 146,038 |
| McAllen | 6.7% | $175,000 | $903 | 142,210 |
| Waco | 6.7% | $215,000 | $1,110 | 138,486 |
| Round Rock | 6.7% | $415,000 | $2,142 | 133,372 |
| Pearland | 6.7% | $345,000 | $1,781 | 125,828 |
| Abilene | 6.7% | $175,000 | $903 | 125,182 |
| Odessa | 6.7% | $225,000 | $1,162 | 123,334 |
| Richardson | 6.72% | $345,000 | $1,785 | 121,323 |
| College Station | 6.7% | $275,000 | $1,420 | 120,511 |
| Sugar Land | 6.7% | $395,000 | $2,039 | 118,488 |
| Beaumont | 6.7% | $155,000 | $800 | 118,428 |
| The Woodlands | 6.87% | $288,000 | $1,513 | 116,278 |
| League City | 6.7% | $345,000 | $1,781 | 115,517 |
| Lewisville | 6.7% | $345,000 | $1,781 | 111,822 |
| Tyler | 6.7% | $215,000 | $1,110 | 107,405 |
| Wichita Falls | 6.26% | $145,000 | $715 | 104,898 |
| Allen | 6.7% | $445,000 | $2,297 | 104,627 |
| San Angelo | 6.4% | $175,000 | $876 | 101,612 |
| Edinburg | 6.7% | $175,000 | $903 | 100,243 |
| Conroe | 6.7% | $295,000 | $1,523 | 99,893 |
| New Braunfels | 6.7% | $345,000 | $1,781 | 90,209 |
| Bryan | 6.7% | $225,000 | $1,162 | 86,276 |
| Mission | 6.7% | $155,000 | $800 | 84,827 |
| Baytown | 6.79% | $295,000 | $1,537 | 83,701 |
| Temple | 6.81% | $304,000 | $1,587 | 82,073 |
| Longview | 6.7% | $195,000 | $1,007 | 81,092 |
| Pharr | 6.7% | $135,000 | $697 | 79,912 |
| Flower Mound | 6.67% | $310,000 | $1,595 | 79,590 |
| Cedar Park | 6.8% | $311,000 | $1,622 | 79,462 |
| Mansfield | 6.7% | $365,000 | $1,884 | 75,454 |
| Georgetown | 6.7% | $415,000 | $2,142 | 75,420 |
| Missouri City | 6.72% | $319,000 | $1,650 | 74,705 |
| Pflugerville | 6.7% | $365,000 | $1,884 | 72,806 |
| North Richland Hills | 6.7% | $295,000 | $1,523 | 70,250 |
| Victoria | 6.78% | $300,000 | $1,561 | 67,620 |
| San Marcos | 6.7% | $295,000 | $1,523 | 67,553 |
| Rowlett | 6.6% | $273,000 | $1,395 | 67,139 |
| Harlingen | 6.81% | $296,000 | $1,545 | 65,665 |
| Spring | 6.69% | $279,000 | $1,439 | 61,955 |
| Euless | 6.62% | $265,000 | $1,357 | 56,581 |
| DeSoto | 6.63% | $281,000 | $1,440 | 54,468 |
| Wylie | 6.66% | $281,000 | $1,445 | 54,461 |
| Grapevine | 6.6% | $314,000 | $1,604 | 54,402 |
| Port Arthur | 6.6% | $320,000 | $1,635 | 54,010 |
| Texas City | 6.72% | $322,000 | $1,666 | 53,284 |
| Galveston | 6.73% | $276,000 | $1,429 | 50,497 |
| Burleson | 6.88% | $252,000 | $1,325 | 49,975 |
| Bedford | 6.63% | $293,000 | $1,502 | 49,047 |
| Cedar Hill | 6.6% | $257,000 | $1,313 | 48,937 |
| Rockwall | 6.74% | $249,000 | $1,291 | 47,218 |
| Keller | 6.63% | $281,000 | $1,440 | 47,214 |
| Huntsville | 6.84% | $256,000 | $1,341 | 45,932 |
| Kyle | 6.74% | $264,000 | $1,368 | 45,697 |
| The Colony | 6.67% | $257,000 | $1,323 | 44,534 |
| Haltom City | 6.87% | $251,000 | $1,318 | 44,384 |
| Channelview | 6.75% | $278,000 | $1,442 | 43,951 |
| Sherman | 6.82% | $264,000 | $1,380 | 43,645 |
| Schertz | 6.74% | $250,000 | $1,296 | 42,662 |
| Lancaster | 6.63% | $262,000 | $1,343 | 42,338 |
| Coppell | 6.81% | $270,000 | $1,410 | 41,468 |
| Friendswood | 6.75% | $265,000 | $1,375 | 41,099 |
| Weslaco | 6.84% | $274,000 | $1,435 | 41,065 |
| Duncanville | 6.89% | $250,000 | $1,316 | 40,233 |
| Waxahachie | 6.63% | $275,000 | $1,409 | 40,222 |
| Rosenberg | 6.85% | $250,000 | $1,311 | 39,553 |
| Hurst | 6.78% | $272,000 | $1,416 | 39,468 |
| Farmers Branch | 6.72% | $284,000 | $1,469 | 38,454 |
| Texarkana | 6.33% | $155,000 | $770 | 37,442 |
| San Juan | 6.81% | $280,000 | $1,462 | 36,667 |
| Del Rio | 6.89% | $291,000 | $1,532 | 36,317 |
| Copperas Cove | 6.67% | $274,000 | $1,410 | 35,452 |
| La Porte | 6.62% | $297,000 | $1,521 | 35,124 |
| Lufkin | 6.41% | $165,000 | $827 | 35,067 |
| Deer Park | 6.79% | $248,000 | $1,292 | 34,733 |
| Nacogdoches | 6.72% | $175,000 | $905 | 33,277 |
| Seguin | 6.65% | $285,000 | $1,464 | 33,239 |
| Weatherford | 6.44% | $315,000 | $1,584 | 32,961 |
| Harker Heights | 6.68% | $284,000 | $1,463 | 32,734 |
| Southlake | 6.72% | $258,000 | $1,335 | 32,322 |
| Cleburne | 6.88% | $283,000 | $1,488 | 30,337 |
| Prosper | 6.77% | $240,000 | $1,248 | 30,174 |
| Eagle Pass | 6.61% | $281,000 | $1,437 | 29,888 |
| Greenville | 6.64% | $294,000 | $1,508 | 28,648 |
| Alvin | 6.73% | $262,000 | $1,357 | 28,008 |
| Lake Jackson | 6.62% | $258,000 | $1,321 | 27,614 |
| Forney | 6.72% | $243,000 | $1,257 | 27,456 |
| Big Spring | 6.64% | $291,000 | $1,493 | 27,282 |
| Colleyville | 6.76% | $299,000 | $1,553 | 26,744 |
| Balch Springs | 6.72% | $278,000 | $1,438 | 25,864 |
| Kingsville | 6.68% | $281,000 | $1,448 | 25,292 |
| Denison | 6.77% | $228,000 | $1,185 | 24,851 |
| Paris | 6.73% | $274,000 | $1,419 | 24,792 |
| Watauga | 6.65% | $252,000 | $1,294 | 24,587 |
| San Benito | 6.61% | $282,000 | $1,442 | 24,312 |
| Corinth | 6.66% | $241,000 | $1,239 | 24,205 |
| Kerrville | 6.29% | $275,000 | $1,361 | 24,166 |
| Benbrook | 6.84% | $259,000 | $1,356 | 24,153 |
| Corsicana | 6.08% | $175,000 | $846 | 24,036 |
| Belton | 6.78% | $252,000 | $1,312 | 23,298 |
| Marshall | 6.62% | $270,000 | $1,382 | 22,831 |
| Stephenville | 6.06% | $225,000 | $1,087 | 22,269 |
| Katy | 6.87% | $263,000 | $1,381 | 21,894 |
| Universal City | 6.89% | $252,000 | $1,326 | 21,021 |
| Dickinson | 6.86% | $241,000 | $1,265 | 20,981 |
| Portland | 6.66% | $257,000 | $1,321 | 20,367 |
| Boerne | 6.55% | $445,000 | $2,262 | 20,283 |
| Angleton | 6.64% | $233,000 | $1,195 | 20,098 |
| Ennis | 6.68% | $258,000 | $1,329 | 19,786 |
| Alamo | 6.81% | $283,000 | $1,477 | 19,668 |
| Orange | 6.66% | $271,000 | $1,393 | 19,571 |
| Bellaire | 6.69% | $227,000 | $1,171 | 18,971 |
| Brownwood | 6.61% | $268,000 | $1,371 | 18,955 |
| Terrell | 6.9% | $262,000 | $1,380 | 18,828 |
| Alice | 6.74% | $273,000 | $1,415 | 18,512 |
| White Settlement | 6.88% | $251,000 | $1,320 | 18,224 |
| Buda | 6.6% | $365,000 | $1,864 | 18,175 |
| Andrews | 6.66% | $265,000 | $1,362 | 18,153 |
| Taylor | 6.79% | $261,000 | $1,360 | 18,061 |
| La Marque | 6.85% | $225,000 | $1,179 | 18,023 |
| Pampa | 6.63% | $259,000 | $1,327 | 17,887 |
| Seagoville | 6.88% | $249,000 | $1,309 | 17,762 |
| Crowley | 6.88% | $273,000 | $1,435 | 17,750 |
| Stafford | 6.64% | $251,000 | $1,288 | 17,693 |
| Bay City | 6.76% | $267,000 | $1,387 | 17,614 |
| Palestine | 6.74% | $264,000 | $1,368 | 17,598 |
| Nederland | 6.66% | $252,000 | $1,296 | 17,547 |
| Brenham | 6.71% | $277,000 | $1,431 | 17,297 |
| Mercedes | 6.69% | $237,000 | $1,222 | 17,154 |
| Mount Pleasant | 6.86% | $250,000 | $1,312 | 16,773 |
| Addison | 6.62% | $264,000 | $1,352 | 16,661 |
| Humble | 6.67% | $267,000 | $1,374 | 16,267 |
| Sulphur Springs | 6.66% | $234,000 | $1,203 | 16,054 |
| Gainesville | 6.77% | $246,000 | $1,279 | 16,002 |
| Canyon | 6.64% | $223,000 | $1,144 | 15,810 |
| Groves | 6.67% | $241,000 | $1,240 | 15,738 |
| Mineral Wells | 6.73% | $238,000 | $1,232 | 15,596 |
| Hewitt | 6.81% | $234,000 | $1,222 | 15,148 |
| Hereford | 6.76% | $252,000 | $1,309 | 14,828 |
| Manor | 6.68% | $237,000 | $1,221 | 14,661 |
| Jacksonville | 6.7% | $252,000 | $1,301 | 14,544 |
| Levelland | 6.66% | $229,000 | $1,177 | 14,338 |
| Trophy Club | 6.84% | $273,000 | $1,430 | 13,743 |
| Athens | 6.75% | $264,000 | $1,370 | 13,612 |
| Henderson | 6.84% | $227,000 | $1,189 | 13,122 |
| Port Neches | 6.8% | $239,000 | $1,246 | 13,040 |
| Beeville | 6.81% | $263,000 | $1,373 | 12,863 |
| Pecos | 6.7% | $280,000 | $1,445 | 12,841 |
| Roma | 6.81% | $225,000 | $1,175 | 12,617 |
| San Elizario | 6.88% | $255,000 | $1,341 | 12,408 |
| Freeport | 6.61% | $272,000 | $1,391 | 12,268 |
| Port Lavaca | 6.72% | $239,000 | $1,236 | 12,248 |
| Bastrop | 6.5% | $325,000 | $1,643 | 12,246 |
| Robinson | 6.88% | $276,000 | $1,451 | 11,946 |
| Fredericksburg | 6.32% | $395,000 | $1,959 | 11,382 |
| Granbury | 6.67% | $295,000 | $1,518 | 11,320 |
| Robstown | 6.76% | $245,000 | $1,273 | 11,218 |
| Clute | 6.67% | $274,000 | $1,410 | 11,211 |
| Sweetwater | 6.79% | $271,000 | $1,412 | 10,800 |
| Snyder | 6.61% | $271,000 | $1,386 | 10,783 |
| Roanoke | 6.6% | $223,000 | $1,139 | 10,230 |
| Vernon | 6.69% | $257,000 | $1,325 | 10,078 |
| Commerce | 6.65% | $226,000 | $1,161 | 9,583 |
| Liberty | 6.61% | $242,000 | $1,238 | 9,579 |
| Lamesa | 6.83% | $240,000 | $1,256 | 9,422 |
| Aransas Pass | 6.83% | $249,000 | $1,303 | 9,397 |
| Woodway | 6.77% | $227,000 | $1,180 | 9,076 |
| Graham | 6.8% | $213,000 | $1,111 | 8,653 |
| Wharton | 6.88% | $212,000 | $1,115 | 8,631 |
| Marble Falls | 6.24% | $345,000 | $1,698 | 7,471 |
| Dripping Springs | 6.7% | $545,000 | $2,813 | 6,574 |
| Wimberley | 6.49% | $425,000 | $2,147 | 3,264 |
Texas Mortgage Rates Guide — 2026
Texas homebuyers currently see an average 30-year fixed mortgage rate of 6.7%, with median home prices around $270,347. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,395.
The most affordable city for homebuyers in Texas is Brownsville, where the median home price is $135,000. On the other end, Dripping Springs has the highest prices at $545,000. Property tax rates across the state average 1.8%.
To comfortably afford a home at the state average price, a household income of approximately $59,786 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Texas Mortgages
What are current mortgage rates in Texas?
As of March 2026, the average 30-year fixed mortgage rate in Texas is 6.7% and the 15-year fixed rate averages 5.94%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Texas?
The median home price across 193 cities in Texas is $270,347. Prices range from $135,000 in Brownsville to $545,000 in Dripping Springs.
How much income do I need to buy a house in Texas?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $59,786 to comfortably afford the average home in Texas. The median household income in the state is approximately $59,668.
Texas Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in Texas. Rates can vary by neighborhood based on local property values and lending conditions.
ZIP 77015
Houston | 6.71% | $265,800
ZIP 77004
Houston | 6.72% | $258,277
ZIP 77029
Houston | 6.63% | $277,778
ZIP 77018
Houston | 6.68% | $253,455
ZIP 77019
Houston | 6.63% | $270,171
ZIP 77012
Houston | 6.77% | $261,425
ZIP 77031
Houston | 6.64% | $262,211
ZIP 77020
Houston | 6.68% | $263,429
ZIP 77005
Houston | 6.77% | $261,623
ZIP 77023
Houston | 6.67% | $261,854
ZIP 77006
Houston | 6.77% | $275,204
ZIP 77022
Houston | 6.78% | $263,597
ZIP 77039
Houston | 6.68% | $267,987
ZIP 77037
Houston | 6.65% | $267,479
ZIP 78210
San Antonio | 6.61% | $253,697
ZIP 78205
San Antonio | 6.76% | $244,923
ZIP 78213
San Antonio | 6.73% | $246,896
ZIP 77040
Houston | 6.67% | $267,696
ZIP 77036
Houston | 6.71% | $265,901
ZIP 78215
San Antonio | 6.74% | $262,657
ZIP 77002
Houston | 6.71% | $256,932
ZIP 78212
San Antonio | 6.71% | $257,338
ZIP 77030
Houston | 6.76% | $268,008
ZIP 78204
San Antonio | 6.74% | $261,026
ZIP 77042
Houston | 6.8% | $267,253
ZIP 77049
Houston | 6.66% | $257,213
ZIP 75201
Dallas | 6.73% | $316,243
ZIP 75220
Dallas | 6.79% | $302,289
ZIP 77010
Houston | 6.74% | $257,907
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