Mortgage Rates in League City, Texas — April 2026
Updated April 2026 | Based on League City market data and regional lending conditions
With a population of 115,517, League City, Texas offers a cost of living close to the national average. The current 30-year fixed rate here is 6.7% (0.61% above the national average). At a median home price of $345,000, the estimated $2,299/month payment (with 20% down) is affordable on the local median income of $102,250.
Whether you call it a 30-year mortgage, 30-year home loan, 30-year house loan, or 30-year mortgage loan, the underlying product is the same: a fixed-rate amortizing loan paid over 360 months. In League City, TX, the current 30-year rate is 6.7%. Shorter terms (15-year fixed at 5.94% or 20-year fixed, typically priced between the 15- and 30-year) reduce total interest paid but increase monthly payments — see our 15-year vs 30-year comparison for the math. Government-backed options include FHA loans (6.3%) and VA loans (6.1%), often available at lower rates with reduced down payment requirements.
Current Mortgage Rates in League City, TX
Below are the current average mortgage rates available in the League City area as of April 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 | 6.7% | 6.09% | +0.61% |
| 15-Year Fixed | 5.94% | 5.58% | +0.36% |
| 5/1 ARM | 6.2% | 5.95% | +0.25% |
| FHA | 6.3% | 5.85% | +0.45% |
| VA | 6.1% | 5.65% | +0.45% |
| Jumbo | 6.9% | 6.25% | +0.65% |
League City Housing Market Overview
Housing in League City sits near the national average at $345,000. With a median household income of $102,250 and a cost of living index of 95.5, most local earners can qualify for a mortgage on a median-priced home.
Monthly Payment Breakdown for League City
Based on the median home price of $345,000 with 20% down ($69,000), here is what you can expect to pay monthly in League City:
15-Year vs. 30-Year Mortgage in League City
Choosing a 15-year mortgage in League City at 5.94% instead of a 30-year at 6.7% would save you $223,560 in total interest over the life of the loan. However, your monthly payment would be $2,320 instead of $1,781 — an increase of $539 per month.
Calculate Your League 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 League City
What are the current mortgage rates in League City, TX?
As of April 2026, the average 30-year fixed mortgage rate in League City, Texas is 6.7%, while the 15-year fixed rate is 5.94%. FHA loans average 6.3% and VA loans 6.1%. These rates are 0.61% above the national average of 6.09%.
How much is a monthly mortgage payment in League City?
Based on the median home price of $345,000 with 20% down, the estimated monthly mortgage payment in League City is $1,781 for principal and interest. Including property taxes of $518/month, the total monthly housing cost is approximately $2,299.
What income do I need to buy a home in League City?
Using the 28% rule, you would need an annual income of approximately $98,529 to afford the median-priced home in League City at $345,000. The median household income in League City is $102,250. The median income is currently sufficient to meet this threshold.
Is League City a good place to buy a home in 2026?
League City offers a below-average cost of living with a cost of living index of 95.5 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. League City has a population of 115,517 and offers a balanced lifestyle.
Mortgage Rates in Other Texas Cities
Related Tools & Guides
📊 Sources & Methodology
- 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), weekly national average adjusted for Texas regional spread.
- Median home price: $345,000 sourced from Redfin / Zillow real estate listings (2026 data).
- Property tax rate: 1.8% effective rate per Tax Foundation 2026 state property tax data.
- Median household income: $102,250 per US Census Bureau ACS 5-year estimate.
- Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).
Last updated: April 2026. Rates are approximate averages based on regional lending data for the League City, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.