Mortgage Rates in Keller, Texas — March 2026
Updated March 2026 | Based on Keller market data and regional lending conditions
Keller is a growing city in Texas with a population of 47,214. The current 30-year fixed mortgage rate in Keller is 6.63%, which is 0.02% below the national average. With a median home price of $281,000 and a 20% down payment of $56,200, homebuyers can expect a monthly principal and interest payment of approximately $1,440.
Current Mortgage Rates in Keller, TX
Below are the current average mortgage rates available in the Keller 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 | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Keller Housing Market Overview
The Keller housing market offers relatively affordable housing compared to many major cities. The median household income in Keller is $63,300, and the cost of living index is 92.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $79,971 to comfortably afford the median-priced home in Keller, which exceeds the current median household income.
Monthly Payment Breakdown for Keller
Based on the median home price of $281,000 with 20% down ($56,200), here is what you can expect to pay monthly in Keller:
15-Year vs. 30-Year Mortgage in Keller
Choosing a 15-year mortgage in Keller at 5.9% instead of a 30-year at 6.63% would save you $179,100 in total interest over the life of the loan. However, your monthly payment would be $1,885 instead of $1,440 — an increase of $445 per month.
Calculate Your Keller 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 Keller
What are the current mortgage rates in Keller, TX?
As of March 2026, the average 30-year fixed mortgage rate in Keller, Texas is 6.63%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Keller?
Based on the median home price of $281,000 with 20% down, the estimated monthly mortgage payment in Keller is $1,440 for principal and interest. Including property taxes of $426/month, the total monthly housing cost is approximately $1,866.
What income do I need to buy a home in Keller?
Using the 28% rule, you would need an annual income of approximately $79,971 to afford the median-priced home in Keller at $281,000. The median household income in Keller is $63,300. This means most households would need to either earn above the median or consider homes below $281,000.
Is Keller a good place to buy a home in 2026?
Keller offers a below-average cost of living with a cost of living index of 92.7 (national average = 100). The property tax rate in Texas is 1.82%, which is above the national average. Keller has a population of 47,214 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 Keller, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.