Mortgage Rates in Justin, Texas — March 2026
Updated March 2026 | Based on Justin market data and regional lending conditions
Justin is a growing city in Texas with a population of 7,740. The current 30-year fixed mortgage rate in Justin is 6.9%, which is 0.25% above the national average. With a median home price of $220,000 and a 20% down payment of $44,000, homebuyers can expect a monthly principal and interest payment of approximately $1,159.
Current Mortgage Rates in Justin, TX
Below are the current average mortgage rates available in the Justin 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 | 6.9% | 6.65% | +0.25% |
| 15-Year Fixed | 6.11% | 5.89% | +0.22% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.15% | 6.85% | +0.3% |
Justin Housing Market Overview
The Justin housing market offers relatively affordable housing compared to many major cities. The median household income in Justin is $55,400, and the cost of living index is 88 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $63,600 to comfortably afford the median-priced home in Justin, which exceeds the current median household income.
Monthly Payment Breakdown for Justin
Based on the median home price of $220,000 with 20% down ($44,000), here is what you can expect to pay monthly in Justin:
15-Year vs. 30-Year Mortgage in Justin
Choosing a 15-year mortgage in Justin at 6.11% instead of a 30-year at 6.9% would save you $147,960 in total interest over the life of the loan. However, your monthly payment would be $1,496 instead of $1,159 — an increase of $337 per month.
Calculate Your Justin 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 Justin
What are the current mortgage rates in Justin, TX?
As of March 2026, the average 30-year fixed mortgage rate in Justin, Texas is 6.9%, while the 15-year fixed rate is 6.11%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.25% above the national average of 6.65%.
How much is a monthly mortgage payment in Justin?
Based on the median home price of $220,000 with 20% down, the estimated monthly mortgage payment in Justin is $1,159 for principal and interest. Including property taxes of $325/month, the total monthly housing cost is approximately $1,484.
What income do I need to buy a home in Justin?
Using the 28% rule, you would need an annual income of approximately $63,600 to afford the median-priced home in Justin at $220,000. The median household income in Justin is $55,400. This means most households would need to either earn above the median or consider homes below $220,000.
Is Justin a good place to buy a home in 2026?
Justin offers a below-average cost of living with a cost of living index of 88 (national average = 100). The property tax rate in Texas is 1.77%, which is above the national average. Justin has a population of 7,740 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 Justin, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.