Mortgage Rates in Euless, Texas — March 2026
Updated March 2026 | Based on Euless market data and regional lending conditions
Euless is a growing city in Texas with a population of 56,581. The current 30-year fixed mortgage rate in Euless is 6.62%, which is 0.03% below the national average. With a median home price of $265,000 and a 20% down payment of $53,000, homebuyers can expect a monthly principal and interest payment of approximately $1,357.
Current Mortgage Rates in Euless, TX
Below are the current average mortgage rates available in the Euless 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 | 6.62% | 6.65% | -0.03% |
| 15-Year Fixed | 5.88% | 5.89% | -0.01% |
| 5/1 ARM | 6.17% | 6.15% | +0.02% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.87% | 6.85% | +0.02% |
Euless Housing Market Overview
The Euless housing market offers relatively affordable housing compared to many major cities. The median household income in Euless is $64,600, and the cost of living index is 96.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $75,214 to comfortably afford the median-priced home in Euless, which exceeds the current median household income.
Monthly Payment Breakdown for Euless
Based on the median home price of $265,000 with 20% down ($53,000), here is what you can expect to pay monthly in Euless:
15-Year vs. 30-Year Mortgage in Euless
Choosing a 15-year mortgage in Euless at 5.88% instead of a 30-year at 6.62% would save you $169,020 in total interest over the life of the loan. However, your monthly payment would be $1,775 instead of $1,357 — an increase of $418 per month.
Calculate Your Euless Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Euless
What are the current mortgage rates in Euless, TX?
As of March 2026, the average 30-year fixed mortgage rate in Euless, Texas is 6.62%, while the 15-year fixed rate is 5.88%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.03% below the national average of 6.65%.
How much is a monthly mortgage payment in Euless?
Based on the median home price of $265,000 with 20% down, the estimated monthly mortgage payment in Euless is $1,357 for principal and interest. Including property taxes of $398/month, the total monthly housing cost is approximately $1,755.
What income do I need to buy a home in Euless?
Using the 28% rule, you would need an annual income of approximately $75,214 to afford the median-priced home in Euless at $265,000. The median household income in Euless is $64,600. This means most households would need to either earn above the median or consider homes below $265,000.
Is Euless a good place to buy a home in 2026?
Euless offers a below-average cost of living with a cost of living index of 96.8 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. Euless has a population of 56,581 and offers a balanced lifestyle.
Mortgage Rates in Other Texas Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Euless, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.