Mortgage Rates in Port Arthur, Texas — March 2026
Updated March 2026 | Based on Port Arthur market data and regional lending conditions
Port Arthur is a growing city in Texas with a population of 54,010. The current 30-year fixed mortgage rate in Port Arthur is 6.6%, which is 0.05% below the national average. With a median home price of $320,000 and a 20% down payment of $64,000, homebuyers can expect a monthly principal and interest payment of approximately $1,635.
Current Mortgage Rates in Port Arthur, TX
Below are the current average mortgage rates available in the Port Arthur 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 | 6.6% | 6.65% | -0.05% |
| 15-Year Fixed | 5.87% | 5.89% | -0.02% |
| 5/1 ARM | 6.16% | 6.15% | +0.01% |
| FHA | 6.43% | 6.25% | +0.18% |
| VA | 6.18% | 6.05% | +0.13% |
| Jumbo | 6.85% | 6.85% | 0% |
Port Arthur Housing Market Overview
The Port Arthur housing market reflects moderate demand with prices near the national average. The median household income in Port Arthur is $63,600, and the cost of living index is 92 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $91,329 to comfortably afford the median-priced home in Port Arthur, which exceeds the current median household income.
Monthly Payment Breakdown for Port Arthur
Based on the median home price of $320,000 with 20% down ($64,000), here is what you can expect to pay monthly in Port Arthur:
15-Year vs. 30-Year Mortgage in Port Arthur
Choosing a 15-year mortgage in Port Arthur at 5.87% instead of a 30-year at 6.6% would save you $203,040 in total interest over the life of the loan. However, your monthly payment would be $2,142 instead of $1,635 — an increase of $507 per month.
Calculate Your Port Arthur 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 Port Arthur
What are the current mortgage rates in Port Arthur, TX?
As of March 2026, the average 30-year fixed mortgage rate in Port Arthur, Texas is 6.6%, while the 15-year fixed rate is 5.87%. FHA loans average 6.43% and VA loans 6.18%. These rates are 0.05% below the national average of 6.65%.
How much is a monthly mortgage payment in Port Arthur?
Based on the median home price of $320,000 with 20% down, the estimated monthly mortgage payment in Port Arthur is $1,635 for principal and interest. Including property taxes of $496/month, the total monthly housing cost is approximately $2,131.
What income do I need to buy a home in Port Arthur?
Using the 28% rule, you would need an annual income of approximately $91,329 to afford the median-priced home in Port Arthur at $320,000. The median household income in Port Arthur is $63,600. This means most households would need to either earn above the median or consider homes below $320,000.
Is Port Arthur a good place to buy a home in 2026?
Port Arthur offers a below-average cost of living with a cost of living index of 92 (national average = 100). The property tax rate in Texas is 1.86%, which is above the national average. Port Arthur has a population of 54,010 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 Port Arthur, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.