Mortgage Rates in Trophy Club, Texas — March 2026
Updated March 2026 | Based on Trophy Club market data and regional lending conditions
Trophy Club is a growing city in Texas with a population of 13,743. The current 30-year fixed mortgage rate in Trophy Club is 6.84%, which is 0.19% above the national average. With a median home price of $273,000 and a 20% down payment of $54,600, homebuyers can expect a monthly principal and interest payment of approximately $1,430.
Current Mortgage Rates in Trophy Club, TX
Below are the current average mortgage rates available in the Trophy Club 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 | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Trophy Club Housing Market Overview
The Trophy Club housing market offers relatively affordable housing compared to many major cities. The median household income in Trophy Club is $58,600, and the cost of living index is 87.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $79,329 to comfortably afford the median-priced home in Trophy Club, which exceeds the current median household income.
Monthly Payment Breakdown for Trophy Club
Based on the median home price of $273,000 with 20% down ($54,600), here is what you can expect to pay monthly in Trophy Club:
15-Year vs. 30-Year Mortgage in Trophy Club
Choosing a 15-year mortgage in Trophy Club at 6.06% instead of a 30-year at 6.84% would save you $181,800 in total interest over the life of the loan. However, your monthly payment would be $1,850 instead of $1,430 — an increase of $420 per month.
Calculate Your Trophy Club 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 Trophy Club
What are the current mortgage rates in Trophy Club, TX?
As of March 2026, the average 30-year fixed mortgage rate in Trophy Club, Texas is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Trophy Club?
Based on the median home price of $273,000 with 20% down, the estimated monthly mortgage payment in Trophy Club is $1,430 for principal and interest. Including property taxes of $421/month, the total monthly housing cost is approximately $1,851.
What income do I need to buy a home in Trophy Club?
Using the 28% rule, you would need an annual income of approximately $79,329 to afford the median-priced home in Trophy Club at $273,000. The median household income in Trophy Club is $58,600. This means most households would need to either earn above the median or consider homes below $273,000.
Is Trophy Club a good place to buy a home in 2026?
Trophy Club offers a below-average cost of living with a cost of living index of 87.8 (national average = 100). The property tax rate in Texas is 1.85%, which is above the national average. Trophy Club has a population of 13,743 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 Trophy Club, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.