Mortgage Rates in New Braunfels, Texas — March 2026
Updated March 2026 | Based on New Braunfels market data and regional lending conditions
New Braunfels is a growing city in Texas with a population of 90,209. The current 30-year fixed mortgage rate in New Braunfels is 6.7%, which is 0.05% above 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 $1,781.
Current Mortgage Rates in New Braunfels, TX
Below are the current average mortgage rates available in the New Braunfels 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 | 6.7% | 6.65% | +0.05% |
| 15-Year Fixed | 5.94% | 5.89% | +0.05% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.3% | 6.25% | +0.05% |
| VA | 6.1% | 6.05% | +0.05% |
| Jumbo | 6.9% | 6.85% | +0.05% |
New Braunfels Housing Market Overview
The New Braunfels housing market reflects moderate demand with prices near the national average. The median household income in New Braunfels is $62,250, and the cost of living index is 93.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $98,529 to comfortably afford the median-priced home in New Braunfels, which exceeds the current median household income.
Monthly Payment Breakdown for New Braunfels
Based on the median home price of $345,000 with 20% down ($69,000), here is what you can expect to pay monthly in New Braunfels:
15-Year vs. 30-Year Mortgage in New Braunfels
Choosing a 15-year mortgage in New Braunfels 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 New Braunfels Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in New Braunfels
What are the current mortgage rates in New Braunfels, TX?
As of March 2026, the average 30-year fixed mortgage rate in New Braunfels, 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 0.05% above the national average of 6.65%.
How much is a monthly mortgage payment in New Braunfels?
Based on the median home price of $345,000 with 20% down, the estimated monthly mortgage payment in New Braunfels 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 New Braunfels?
Using the 28% rule, you would need an annual income of approximately $98,529 to afford the median-priced home in New Braunfels at $345,000. The median household income in New Braunfels is $62,250. This means most households would need to either earn above the median or consider homes below $345,000.
Is New Braunfels a good place to buy a home in 2026?
New Braunfels offers a below-average cost of living with a cost of living index of 93.5 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. New Braunfels has a population of 90,209 and offers a very affordable lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the New Braunfels, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.