Mortgage Rates in Round Rock, Texas — March 2026
Updated March 2026 | Based on Round Rock market data and regional lending conditions
Round Rock is a growing city in Texas with a population of 133,372. The current 30-year fixed mortgage rate in Round Rock is 6.7%, which is 0.05% above the national average. With a median home price of $415,000 and a 20% down payment of $83,000, homebuyers can expect a monthly principal and interest payment of approximately $2,142.
Current Mortgage Rates in Round Rock, TX
Below are the current average mortgage rates available in the Round Rock 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% |
Round Rock Housing Market Overview
The Round Rock housing market reflects moderate demand with prices near the national average. The median household income in Round Rock is $82,250, and the cost of living index is 99.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $118,500 to comfortably afford the median-priced home in Round Rock, which exceeds the current median household income.
Monthly Payment Breakdown for Round Rock
Based on the median home price of $415,000 with 20% down ($83,000), here is what you can expect to pay monthly in Round Rock:
15-Year vs. 30-Year Mortgage in Round Rock
Choosing a 15-year mortgage in Round Rock at 5.94% instead of a 30-year at 6.7% would save you $268,740 in total interest over the life of the loan. However, your monthly payment would be $2,791 instead of $2,142 — an increase of $649 per month.
Calculate Your Round Rock 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 Round Rock
What are the current mortgage rates in Round Rock, TX?
As of March 2026, the average 30-year fixed mortgage rate in Round Rock, 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 Round Rock?
Based on the median home price of $415,000 with 20% down, the estimated monthly mortgage payment in Round Rock is $2,142 for principal and interest. Including property taxes of $623/month, the total monthly housing cost is approximately $2,765.
What income do I need to buy a home in Round Rock?
Using the 28% rule, you would need an annual income of approximately $118,500 to afford the median-priced home in Round Rock at $415,000. The median household income in Round Rock is $82,250. This means most households would need to either earn above the median or consider homes below $415,000.
Is Round Rock a good place to buy a home in 2026?
Round Rock offers a below-average cost of living with a cost of living index of 99.5 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. Round Rock has a population of 133,372 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Round Rock, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.