Mortgage Rates in Huntsville, Texas — March 2026
Updated March 2026 | Based on Huntsville market data and regional lending conditions
Huntsville is a growing city in Texas with a population of 45,932. The current 30-year fixed mortgage rate in Huntsville is 6.84%, which is 0.19% above the national average. With a median home price of $256,000 and a 20% down payment of $51,200, homebuyers can expect a monthly principal and interest payment of approximately $1,341.
Current Mortgage Rates in Huntsville, TX
Below are the current average mortgage rates available in the Huntsville 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 | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Huntsville Housing Market Overview
The Huntsville housing market offers relatively affordable housing compared to many major cities. The median household income in Huntsville is $65,100, and the cost of living index is 88.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $74,400 to comfortably afford the median-priced home in Huntsville, which exceeds the current median household income.
Monthly Payment Breakdown for Huntsville
Based on the median home price of $256,000 with 20% down ($51,200), here is what you can expect to pay monthly in Huntsville:
15-Year vs. 30-Year Mortgage in Huntsville
Choosing a 15-year mortgage in Huntsville at 6.06% instead of a 30-year at 6.84% would save you $170,460 in total interest over the life of the loan. However, your monthly payment would be $1,735 instead of $1,341 — an increase of $394 per month.
Calculate Your Huntsville 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 Huntsville
What are the current mortgage rates in Huntsville, TX?
As of March 2026, the average 30-year fixed mortgage rate in Huntsville, Texas is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Huntsville?
Based on the median home price of $256,000 with 20% down, the estimated monthly mortgage payment in Huntsville is $1,341 for principal and interest. Including property taxes of $395/month, the total monthly housing cost is approximately $1,736.
What income do I need to buy a home in Huntsville?
Using the 28% rule, you would need an annual income of approximately $74,400 to afford the median-priced home in Huntsville at $256,000. The median household income in Huntsville is $65,100. This means most households would need to either earn above the median or consider homes below $256,000.
Is Huntsville a good place to buy a home in 2026?
Huntsville offers a below-average cost of living with a cost of living index of 88.7 (national average = 100). The property tax rate in Texas is 1.85%, which is above the national average. Huntsville has a population of 45,932 and offers a very affordable lifestyle.
Mortgage Rates in Other Texas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Huntsville, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.