Mortgage Rates in Humble, Texas — March 2026
Updated March 2026 | Based on Humble market data and regional lending conditions
Humble is a growing city in Texas with a population of 16,267. The current 30-year fixed mortgage rate in Humble is 6.67%, which is 0.02% above the national average. With a median home price of $267,000 and a 20% down payment of $53,400, homebuyers can expect a monthly principal and interest payment of approximately $1,374.
Current Mortgage Rates in Humble, TX
Below are the current average mortgage rates available in the Humble 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 | 6.67% | 6.65% | +0.02% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.92% | 6.85% | +0.07% |
Humble Housing Market Overview
The Humble housing market offers relatively affordable housing compared to many major cities. The median household income in Humble is $59,300, and the cost of living index is 88.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $76,071 to comfortably afford the median-priced home in Humble, which exceeds the current median household income.
Monthly Payment Breakdown for Humble
Based on the median home price of $267,000 with 20% down ($53,400), here is what you can expect to pay monthly in Humble:
15-Year vs. 30-Year Mortgage in Humble
Choosing a 15-year mortgage in Humble at 5.93% instead of a 30-year at 6.67% would save you $171,720 in total interest over the life of the loan. However, your monthly payment would be $1,794 instead of $1,374 — an increase of $420 per month.
Calculate Your Humble Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Humble
What are the current mortgage rates in Humble, TX?
As of March 2026, the average 30-year fixed mortgage rate in Humble, Texas is 6.67%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.02% above the national average of 6.65%.
How much is a monthly mortgage payment in Humble?
Based on the median home price of $267,000 with 20% down, the estimated monthly mortgage payment in Humble is $1,374 for principal and interest. Including property taxes of $401/month, the total monthly housing cost is approximately $1,775.
What income do I need to buy a home in Humble?
Using the 28% rule, you would need an annual income of approximately $76,071 to afford the median-priced home in Humble at $267,000. The median household income in Humble is $59,300. This means most households would need to either earn above the median or consider homes below $267,000.
Is Humble a good place to buy a home in 2026?
Humble offers a below-average cost of living with a cost of living index of 88.8 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. Humble has a population of 16,267 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 Humble, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.