Mortgage Rates in Fort Worth, Texas — March 2026
Updated March 2026 | Based on Fort Worth market data and regional lending conditions
Fort Worth is a major metropolitan area in Texas with a population of 918,915. The current 30-year fixed mortgage rate in Fort Worth is 6.7%, which is 0.05% 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 $1,523.
Current Mortgage Rates in Fort Worth, TX
Below are the current average mortgage rates available in the Fort Worth 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% |
Fort Worth Housing Market Overview
The Fort Worth housing market offers relatively affordable housing compared to many major cities. The median household income in Fort Worth is $61,330, and the cost of living index is 92.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $84,257 to comfortably afford the median-priced home in Fort Worth, which exceeds the current median household income.
Monthly Payment Breakdown for Fort Worth
Based on the median home price of $295,000 with 20% down ($59,000), here is what you can expect to pay monthly in Fort Worth:
15-Year vs. 30-Year Mortgage in Fort Worth
Choosing a 15-year mortgage in Fort Worth at 5.94% instead of a 30-year at 6.7% would save you $191,160 in total interest over the life of the loan. However, your monthly payment would be $1,984 instead of $1,523 — an increase of $461 per month.
Calculate Your Fort Worth 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 Fort Worth
What are the current mortgage rates in Fort Worth, TX?
As of March 2026, the average 30-year fixed mortgage rate in Fort Worth, 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 Fort Worth?
Based on the median home price of $295,000 with 20% down, the estimated monthly mortgage payment in Fort Worth is $1,523 for principal and interest. Including property taxes of $443/month, the total monthly housing cost is approximately $1,966.
What income do I need to buy a home in Fort Worth?
Using the 28% rule, you would need an annual income of approximately $84,257 to afford the median-priced home in Fort Worth at $295,000. The median household income in Fort Worth is $61,330. This means most households would need to either earn above the median or consider homes below $295,000.
Is Fort Worth a good place to buy a home in 2026?
Fort Worth offers a below-average cost of living with a cost of living index of 92.5 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. As a major city with 918,915 residents, Fort Worth offers diverse employment opportunities and amenities.
Mortgage Rates in Other Texas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Fort Worth, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.