Mortgage Rates in Tomball, Texas — March 2026
Updated March 2026 | Based on Tomball market data and regional lending conditions
Tomball is a smaller Texas community of 25,237 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.79% (0.14% above the national average). The median home price of $355,000 translates to roughly $2,394/month with 20% down — requiring an income of about $102,600, which exceeds the local median of $54,000.
Current Mortgage Rates in Tomball, TX
Below are the current average mortgage rates available in the Tomball 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 | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Tomball Housing Market Overview
Housing in Tomball sits near the national average at $355,000. With a median household income of $54,000 and a cost of living index of 94.7, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Tomball
Based on the median home price of $355,000 with 20% down ($71,000), here is what you can expect to pay monthly in Tomball:
15-Year vs. 30-Year Mortgage in Tomball
Choosing a 15-year mortgage in Tomball at 6.02% instead of a 30-year at 6.79% would save you $234,000 in total interest over the life of the loan. However, your monthly payment would be $2,400 instead of $1,850 — an increase of $550 per month.
Calculate Your Tomball 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 Tomball
What are the current mortgage rates in Tomball, TX?
As of March 2026, the average 30-year fixed mortgage rate in Tomball, Texas is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Tomball?
Based on the median home price of $355,000 with 20% down, the estimated monthly mortgage payment in Tomball is $1,850 for principal and interest. Including property taxes of $544/month, the total monthly housing cost is approximately $2,394.
What income do I need to buy a home in Tomball?
Using the 28% rule, you would need an annual income of approximately $102,600 to afford the median-priced home in Tomball at $355,000. The median household income in Tomball is $54,000. This means most households would need to either earn above the median or consider homes below $355,000.
Is Tomball a good place to buy a home in 2026?
Tomball offers a below-average cost of living with a cost of living index of 94.7 (national average = 100). The property tax rate in Texas is 1.84%, which is above the national average. Tomball has a population of 25,237 and offers a very affordable lifestyle.
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Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Tomball, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.