Mortgage Rates in Corpus Christi, Texas — March 2026
Updated March 2026 | Based on Corpus Christi market data and regional lending conditions
Corpus Christi is a mid-sized city in Texas with a population of 317,863. The current 30-year fixed mortgage rate in Corpus Christi is 6.7%, which is 0.05% above the national average. With a median home price of $195,000 and a 20% down payment of $39,000, homebuyers can expect a monthly principal and interest payment of approximately $1,007.
Current Mortgage Rates in Corpus Christi, TX
Below are the current average mortgage rates available in the Corpus Christi 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 | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.3% | 6.25% | +0.05% |
| VA | 6.1% | 6.05% | +0.05% |
| Jumbo | 6.9% | 6.85% | +0.05% |
Corpus Christi Housing Market Overview
The Corpus Christi housing market offers relatively affordable housing compared to many major cities. The median household income in Corpus Christi is $54,890, and the cost of living index is 87.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $55,714 to comfortably afford the median-priced home in Corpus Christi, which exceeds the current median household income.
Monthly Payment Breakdown for Corpus Christi
Based on the median home price of $195,000 with 20% down ($39,000), here is what you can expect to pay monthly in Corpus Christi:
15-Year vs. 30-Year Mortgage in Corpus Christi
Choosing a 15-year mortgage in Corpus Christi at 5.94% instead of a 30-year at 6.7% would save you $126,540 in total interest over the life of the loan. However, your monthly payment would be $1,311 instead of $1,007 — an increase of $304 per month.
Calculate Your Corpus Christi Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Corpus Christi
What are the current mortgage rates in Corpus Christi, TX?
As of March 2026, the average 30-year fixed mortgage rate in Corpus Christi, Texas is 6.7%, while the 15-year fixed rate is 5.94%. FHA loans average 6.3% and VA loans 6.1%. These rates are 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in Corpus Christi?
Based on the median home price of $195,000 with 20% down, the estimated monthly mortgage payment in Corpus Christi is $1,007 for principal and interest. Including property taxes of $293/month, the total monthly housing cost is approximately $1,300.
What income do I need to buy a home in Corpus Christi?
Using the 28% rule, you would need an annual income of approximately $55,714 to afford the median-priced home in Corpus Christi at $195,000. The median household income in Corpus Christi is $54,890. This means most households would need to either earn above the median or consider homes below $195,000.
Is Corpus Christi a good place to buy a home in 2026?
Corpus Christi offers a below-average cost of living with a cost of living index of 87.3 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. Corpus Christi has a population of 317,863 and offers a very affordable lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Corpus Christi, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.