Mortgage Rates in Baytown, Texas — March 2026
Updated March 2026 | Based on Baytown market data and regional lending conditions
Baytown is a growing city in Texas with a population of 83,701. The current 30-year fixed mortgage rate in Baytown is 6.79%, which is 0.14% above the national average. With a median home price of $295,000 and a 20% down payment of $59,000, homebuyers can expect a monthly principal and interest payment of approximately $1,537.
Current Mortgage Rates in Baytown, TX
Below are the current average mortgage rates available in the Baytown 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% |
Baytown Housing Market Overview
The Baytown housing market offers relatively affordable housing compared to many major cities. The median household income in Baytown is $59,300, and the cost of living index is 96.6 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $85,671 to comfortably afford the median-priced home in Baytown, which exceeds the current median household income.
Monthly Payment Breakdown for Baytown
Based on the median home price of $295,000 with 20% down ($59,000), here is what you can expect to pay monthly in Baytown:
15-Year vs. 30-Year Mortgage in Baytown
Choosing a 15-year mortgage in Baytown at 6.02% instead of a 30-year at 6.79% would save you $194,400 in total interest over the life of the loan. However, your monthly payment would be $1,994 instead of $1,537 — an increase of $457 per month.
Calculate Your Baytown 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 Baytown
What are the current mortgage rates in Baytown, TX?
As of March 2026, the average 30-year fixed mortgage rate in Baytown, 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 Baytown?
Based on the median home price of $295,000 with 20% down, the estimated monthly mortgage payment in Baytown is $1,537 for principal and interest. Including property taxes of $462/month, the total monthly housing cost is approximately $1,999.
What income do I need to buy a home in Baytown?
Using the 28% rule, you would need an annual income of approximately $85,671 to afford the median-priced home in Baytown at $295,000. The median household income in Baytown is $59,300. This means most households would need to either earn above the median or consider homes below $295,000.
Is Baytown a good place to buy a home in 2026?
Baytown offers a below-average cost of living with a cost of living index of 96.6 (national average = 100). The property tax rate in Texas is 1.88%, which is above the national average. Baytown has a population of 83,701 and offers a balanced 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 Baytown, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.