Mortgage Rates in Marble Falls, Texas — March 2026
Updated March 2026 | Based on Marble Falls market data and regional lending conditions
Marble Falls is a growing city in Texas with a population of 7,471. The current 30-year fixed mortgage rate in Marble Falls is 6.24%, which is 0.41% below the national average. With a median home price of $345,000 and a 20% down payment of $69,000, homebuyers can expect a monthly principal and interest payment of approximately $1,698.
Current Mortgage Rates in Marble Falls, TX
Below are the current average mortgage rates available in the Marble Falls 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 | 6.24% | 6.65% | -0.41% |
| 15-Year Fixed | 5.48% | 5.89% | -0.41% |
| 5/1 ARM | 5.74% | 6.15% | -0.41% |
| FHA | 5.84% | 6.25% | -0.41% |
| VA | 5.64% | 6.05% | -0.41% |
| Jumbo | 6.44% | 6.85% | -0.41% |
Marble Falls Housing Market Overview
The Marble Falls housing market reflects moderate demand with prices near the national average. The median household income in Marble Falls is $48,000, and the cost of living index is 94 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $94,971 to comfortably afford the median-priced home in Marble Falls, which exceeds the current median household income.
Monthly Payment Breakdown for Marble Falls
Based on the median home price of $345,000 with 20% down ($69,000), here is what you can expect to pay monthly in Marble Falls:
15-Year vs. 30-Year Mortgage in Marble Falls
Choosing a 15-year mortgage in Marble Falls at 5.48% instead of a 30-year at 6.24% would save you $205,920 in total interest over the life of the loan. However, your monthly payment would be $2,252 instead of $1,698 — an increase of $554 per month.
Calculate Your Marble Falls 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 Marble Falls
What are the current mortgage rates in Marble Falls, TX?
As of March 2026, the average 30-year fixed mortgage rate in Marble Falls, Texas is 6.24%, while the 15-year fixed rate is 5.48%. FHA loans average 5.84% and VA loans 5.64%. These rates are 0.41% below the national average of 6.65%.
How much is a monthly mortgage payment in Marble Falls?
Based on the median home price of $345,000 with 20% down, the estimated monthly mortgage payment in Marble Falls is $1,698 for principal and interest. Including property taxes of $518/month, the total monthly housing cost is approximately $2,216.
What income do I need to buy a home in Marble Falls?
Using the 28% rule, you would need an annual income of approximately $94,971 to afford the median-priced home in Marble Falls at $345,000. The median household income in Marble Falls is $48,000. This means most households would need to either earn above the median or consider homes below $345,000.
Is Marble Falls a good place to buy a home in 2026?
Marble Falls offers a below-average cost of living with a cost of living index of 94 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. Marble Falls has a population of 7,471 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 Marble Falls, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.