Mortgage Rates in Lufkin, Texas — March 2026
Updated March 2026 | Based on Lufkin market data and regional lending conditions
Lufkin is a growing city in Texas with a population of 35,067. The current 30-year fixed mortgage rate in Lufkin is 6.41%, which is 0.24% below the national average. With a median home price of $165,000 and a 20% down payment of $33,000, homebuyers can expect a monthly principal and interest payment of approximately $827.
Current Mortgage Rates in Lufkin, TX
Below are the current average mortgage rates available in the Lufkin 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 | 6.41% | 6.65% | -0.24% |
| 15-Year Fixed | 5.65% | 5.89% | -0.24% |
| 5/1 ARM | 5.91% | 6.15% | -0.24% |
| FHA | 6.01% | 6.25% | -0.24% |
| VA | 5.81% | 6.05% | -0.24% |
| Jumbo | 6.61% | 6.85% | -0.24% |
Lufkin Housing Market Overview
The Lufkin housing market offers relatively affordable housing compared to many major cities. The median household income in Lufkin is $38,000, and the cost of living index is 79 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $45,943 to comfortably afford the median-priced home in Lufkin, which exceeds the current median household income.
Monthly Payment Breakdown for Lufkin
Based on the median home price of $165,000 with 20% down ($33,000), here is what you can expect to pay monthly in Lufkin:
15-Year vs. 30-Year Mortgage in Lufkin
Choosing a 15-year mortgage in Lufkin at 5.65% instead of a 30-year at 6.41% would save you $101,700 in total interest over the life of the loan. However, your monthly payment would be $1,089 instead of $827 — an increase of $262 per month.
Calculate Your Lufkin 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 Lufkin
What are the current mortgage rates in Lufkin, TX?
As of March 2026, the average 30-year fixed mortgage rate in Lufkin, Texas is 6.41%, while the 15-year fixed rate is 5.65%. FHA loans average 6.01% and VA loans 5.81%. These rates are 0.24% below the national average of 6.65%.
How much is a monthly mortgage payment in Lufkin?
Based on the median home price of $165,000 with 20% down, the estimated monthly mortgage payment in Lufkin is $827 for principal and interest. Including property taxes of $245/month, the total monthly housing cost is approximately $1,072.
What income do I need to buy a home in Lufkin?
Using the 28% rule, you would need an annual income of approximately $45,943 to afford the median-priced home in Lufkin at $165,000. The median household income in Lufkin is $38,000. This means most households would need to either earn above the median or consider homes below $165,000.
Is Lufkin a good place to buy a home in 2026?
Lufkin offers a below-average cost of living with a cost of living index of 79 (national average = 100). The property tax rate in Texas is 1.78%, which is above the national average. Lufkin has a population of 35,067 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 Lufkin, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.