Mortgage Rates in Rosenberg, Texas — March 2026
Updated March 2026 | Based on Rosenberg market data and regional lending conditions
Rosenberg is a growing city in Texas with a population of 39,553. The current 30-year fixed mortgage rate in Rosenberg is 6.85%, which is 0.2% above the national average. With a median home price of $250,000 and a 20% down payment of $50,000, homebuyers can expect a monthly principal and interest payment of approximately $1,311.
Current Mortgage Rates in Rosenberg, TX
Below are the current average mortgage rates available in the Rosenberg 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 | 6.85% | 6.65% | +0.2% |
| 15-Year Fixed | 6.07% | 5.89% | +0.18% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.1% | 6.85% | +0.25% |
Rosenberg Housing Market Overview
The Rosenberg housing market offers relatively affordable housing compared to many major cities. The median household income in Rosenberg is $52,900, and the cost of living index is 85.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $73,243 to comfortably afford the median-priced home in Rosenberg, which exceeds the current median household income.
Monthly Payment Breakdown for Rosenberg
Based on the median home price of $250,000 with 20% down ($50,000), here is what you can expect to pay monthly in Rosenberg:
15-Year vs. 30-Year Mortgage in Rosenberg
Choosing a 15-year mortgage in Rosenberg at 6.07% instead of a 30-year at 6.85% would save you $166,860 in total interest over the life of the loan. However, your monthly payment would be $1,695 instead of $1,311 — an increase of $384 per month.
Calculate Your Rosenberg Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Rosenberg
What are the current mortgage rates in Rosenberg, TX?
As of March 2026, the average 30-year fixed mortgage rate in Rosenberg, Texas is 6.85%, while the 15-year fixed rate is 6.07%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.2% above the national average of 6.65%.
How much is a monthly mortgage payment in Rosenberg?
Based on the median home price of $250,000 with 20% down, the estimated monthly mortgage payment in Rosenberg is $1,311 for principal and interest. Including property taxes of $398/month, the total monthly housing cost is approximately $1,709.
What income do I need to buy a home in Rosenberg?
Using the 28% rule, you would need an annual income of approximately $73,243 to afford the median-priced home in Rosenberg at $250,000. The median household income in Rosenberg is $52,900. This means most households would need to either earn above the median or consider homes below $250,000.
Is Rosenberg a good place to buy a home in 2026?
Rosenberg offers a below-average cost of living with a cost of living index of 85.8 (national average = 100). The property tax rate in Texas is 1.91%, which is above the national average. Rosenberg has a population of 39,553 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 Rosenberg, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.