Mortgage Rates in Haltom City, Texas — March 2026
Updated March 2026 | Based on Haltom City market data and regional lending conditions
Haltom City is a growing city in Texas with a population of 44,384. The current 30-year fixed mortgage rate in Haltom City is 6.87%, which is 0.22% above the national average. With a median home price of $251,000 and a 20% down payment of $50,200, homebuyers can expect a monthly principal and interest payment of approximately $1,318.
Current Mortgage Rates in Haltom City, TX
Below are the current average mortgage rates available in the Haltom City 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 | 6.87% | 6.65% | +0.22% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.56% | 6.25% | +0.31% |
| VA | 6.31% | 6.05% | +0.26% |
| Jumbo | 7.12% | 6.85% | +0.27% |
Haltom City Housing Market Overview
The Haltom City housing market offers relatively affordable housing compared to many major cities. The median household income in Haltom City is $60,800, and the cost of living index is 94.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $72,343 to comfortably afford the median-priced home in Haltom City, which exceeds the current median household income.
Monthly Payment Breakdown for Haltom City
Based on the median home price of $251,000 with 20% down ($50,200), here is what you can expect to pay monthly in Haltom City:
15-Year vs. 30-Year Mortgage in Haltom City
Choosing a 15-year mortgage in Haltom City at 6.08% instead of a 30-year at 6.87% would save you $167,940 in total interest over the life of the loan. However, your monthly payment would be $1,703 instead of $1,318 — an increase of $385 per month.
Calculate Your Haltom City 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 Haltom City
What are the current mortgage rates in Haltom City, TX?
As of March 2026, the average 30-year fixed mortgage rate in Haltom City, Texas is 6.87%, while the 15-year fixed rate is 6.08%. FHA loans average 6.56% and VA loans 6.31%. These rates are 0.22% above the national average of 6.65%.
How much is a monthly mortgage payment in Haltom City?
Based on the median home price of $251,000 with 20% down, the estimated monthly mortgage payment in Haltom City is $1,318 for principal and interest. Including property taxes of $370/month, the total monthly housing cost is approximately $1,688.
What income do I need to buy a home in Haltom City?
Using the 28% rule, you would need an annual income of approximately $72,343 to afford the median-priced home in Haltom City at $251,000. The median household income in Haltom City is $60,800. This means most households would need to either earn above the median or consider homes below $251,000.
Is Haltom City a good place to buy a home in 2026?
Haltom City offers a below-average cost of living with a cost of living index of 94.9 (national average = 100). The property tax rate in Texas is 1.77%, which is above the national average. Haltom City has a population of 44,384 and offers a very affordable 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 Haltom City, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.