Mortgage Rates in San Angelo, Texas — March 2026
Updated March 2026 | Based on San Angelo market data and regional lending conditions
San Angelo is a growing city in Texas with a population of 101,612. The current 30-year fixed mortgage rate in San Angelo is 6.4%, which is 0.25% below the national average. With a median home price of $175,000 and a 20% down payment of $35,000, homebuyers can expect a monthly principal and interest payment of approximately $876.
Current Mortgage Rates in San Angelo, TX
Below are the current average mortgage rates available in the San Angelo 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 | 6.4% | 6.65% | -0.25% |
| 15-Year Fixed | 5.64% | 5.89% | -0.25% |
| 5/1 ARM | 5.9% | 6.15% | -0.25% |
| FHA | 6% | 6.25% | -0.25% |
| VA | 5.8% | 6.05% | -0.25% |
| Jumbo | 6.6% | 6.85% | -0.25% |
San Angelo Housing Market Overview
The San Angelo housing market offers relatively affordable housing compared to many major cities. The median household income in San Angelo is $42,000, and the cost of living index is 84 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $48,686 to comfortably afford the median-priced home in San Angelo, which exceeds the current median household income.
Monthly Payment Breakdown for San Angelo
Based on the median home price of $175,000 with 20% down ($35,000), here is what you can expect to pay monthly in San Angelo:
15-Year vs. 30-Year Mortgage in San Angelo
Choosing a 15-year mortgage in San Angelo at 5.64% instead of a 30-year at 6.4% would save you $107,640 in total interest over the life of the loan. However, your monthly payment would be $1,154 instead of $876 — an increase of $278 per month.
Calculate Your San Angelo 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 San Angelo
What are the current mortgage rates in San Angelo, TX?
As of March 2026, the average 30-year fixed mortgage rate in San Angelo, Texas is 6.4%, while the 15-year fixed rate is 5.64%. FHA loans average 6% and VA loans 5.8%. These rates are 0.25% below the national average of 6.65%.
How much is a monthly mortgage payment in San Angelo?
Based on the median home price of $175,000 with 20% down, the estimated monthly mortgage payment in San Angelo is $876 for principal and interest. Including property taxes of $260/month, the total monthly housing cost is approximately $1,136.
What income do I need to buy a home in San Angelo?
Using the 28% rule, you would need an annual income of approximately $48,686 to afford the median-priced home in San Angelo at $175,000. The median household income in San Angelo is $42,000. This means most households would need to either earn above the median or consider homes below $175,000.
Is San Angelo a good place to buy a home in 2026?
San Angelo offers a below-average cost of living with a cost of living index of 84 (national average = 100). The property tax rate in Texas is 1.78%, which is above the national average. San Angelo has a population of 101,612 and offers a very affordable lifestyle.
Mortgage Rates in Other Texas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the San Angelo, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.