Mortgage Rates in TexasApril 2026

Compare current mortgage rates across 238 cities in Texas. The average 30-year fixed rate is 6.71%, which is 0.62% above the national average of 6.09%.

6.71%
Avg 30-Year Fixed
5.95%
Avg 15-Year Fixed
$272,214
Avg Home Price
$1,407/mo
Avg Monthly Payment

Texas Housing Highlights

Most Affordable City
Clyde
$182,500 median | $954/mo
Lowest Home Price
Brownsville
$135,000 median
Highest Home Price
Dripping Springs
$545,000 median

All 238 Cities in Texas

City30-Yr RateHome PriceMonthly P&IPopulation
Houston6.7%$345,000$1,7812,304,580
San Antonio6.7%$316,850$1,6361,547,253
Dallas6.7%$499,000$2,5761,304,379
Austin6.7%$530,000$2,736978,908
Fort Worth6.7%$295,000$1,523918,915
El Paso6.7%$185,000$955678,815
Arlington6.7%$275,000$1,420394,266
Corpus Christi6.7%$195,000$1,007317,863
Plano6.7%$445,000$2,297285,494
Lubbock6.7%$195,000$1,007264,778
Irving6.7%$355,000$1,833256,684
Laredo6.7%$175,000$903255,205
Garland6.7%$275,000$1,420246,018
Frisco6.7%$535,000$2,762200,509
Amarillo6.7%$185,000$955199,924
Grand Prairie6.7%$285,000$1,471196,100
McKinney6.7%$445,000$2,297195,308
Brownsville6.7%$135,000$697186,738
Killeen6.7%$195,000$1,007153,095
Pasadena6.7%$215,000$1,110151,950
Mesquite6.7%$255,000$1,316150,108
Denton6.7%$325,000$1,678148,146
Midland6.7%$285,000$1,471146,038
McAllen6.7%$175,000$903142,210
Waco6.7%$215,000$1,110138,486
Round Rock6.7%$415,000$2,142133,372
Pearland6.7%$345,000$1,781125,828
Abilene6.7%$175,000$903125,182
Odessa6.7%$225,000$1,162123,334
Richardson6.72%$345,000$1,785121,323
College Station6.7%$275,000$1,420120,511
Sugar Land6.7%$395,000$2,039118,488
Beaumont6.7%$155,000$800118,428
The Woodlands6.87%$288,000$1,513116,278
League City6.7%$345,000$1,781115,517
Lewisville6.7%$345,000$1,781111,822
Tyler6.7%$215,000$1,110107,405
Wichita Falls6.26%$145,000$715104,898
Allen6.7%$445,000$2,297104,627
San Angelo6.4%$175,000$876101,612
Edinburg6.7%$175,000$903100,243
Conroe6.7%$295,000$1,52399,893
New Braunfels6.7%$345,000$1,78190,209
Bryan6.7%$225,000$1,16286,276
Mission6.7%$155,000$80084,827
Baytown6.79%$295,000$1,53783,701
Temple6.81%$304,000$1,58782,073
Longview6.7%$195,000$1,00781,092
Pharr6.7%$135,000$69779,912
Flower Mound6.67%$310,000$1,59579,590
Cedar Park6.8%$311,000$1,62279,462
Mansfield6.7%$365,000$1,88475,454
Georgetown6.7%$415,000$2,14275,420
Missouri City6.72%$319,000$1,65074,705
Pflugerville6.7%$365,000$1,88472,806
North Richland Hills6.7%$295,000$1,52370,250
Victoria6.78%$300,000$1,56167,620
San Marcos6.7%$295,000$1,52367,553
Rowlett6.6%$273,000$1,39567,139
Harlingen6.81%$296,000$1,54565,665
Spring6.69%$279,000$1,43961,955
Euless6.62%$265,000$1,35756,581
DeSoto6.63%$281,000$1,44054,468
Wylie6.66%$281,000$1,44554,461
Grapevine6.6%$314,000$1,60454,402
Port Arthur6.6%$320,000$1,63554,010
Texas City6.72%$322,000$1,66653,284
Galveston6.73%$276,000$1,42950,497
Burleson6.88%$252,000$1,32549,975
South Padre Island6.61%$235,000$1,20249,464
Bedford6.63%$293,000$1,50249,047
Cedar Hill6.6%$257,000$1,31348,937
Rockwall6.74%$249,000$1,29147,218
Keller6.63%$281,000$1,44047,214
Huntsville6.84%$256,000$1,34145,932
Kyle6.74%$264,000$1,36845,697
The Colony6.67%$257,000$1,32344,534
Haltom City6.87%$251,000$1,31844,384
Channelview6.75%$278,000$1,44243,951
Sherman6.82%$264,000$1,38043,645
Schertz6.74%$250,000$1,29642,662
Lancaster6.63%$262,000$1,34342,338
Coppell6.81%$270,000$1,41041,468
Friendswood6.75%$265,000$1,37541,099
Weslaco6.84%$274,000$1,43541,065
Duncanville6.89%$250,000$1,31640,233
Waxahachie6.63%$275,000$1,40940,222
Rosenberg6.85%$250,000$1,31139,553
Hurst6.78%$272,000$1,41639,468
Farmers Branch6.72%$284,000$1,46938,454
Muenster6.74%$335,000$1,73638,064
Texarkana6.33%$155,000$77037,442
San Juan6.81%$280,000$1,46236,667
Del Rio6.89%$291,000$1,53236,317
Mertzon6.84%$280,000$1,46636,168
Willow Park6.75%$295,000$1,53135,771
Copperas Cove6.67%$274,000$1,41035,452
La Porte6.62%$297,000$1,52135,124
Lufkin6.41%$165,000$82735,067
Deer Park6.79%$248,000$1,29234,733
Nolanville6.64%$335,000$1,71934,404
Leon Valley6.8%$170,000$88733,408
Nacogdoches6.72%$175,000$90533,277
Seguin6.65%$285,000$1,46433,239
Weatherford6.44%$315,000$1,58432,961
Harker Heights6.68%$284,000$1,46332,734
Southlake6.72%$258,000$1,33532,322
Hubbard6.72%$230,000$1,19030,364
Cleburne6.88%$283,000$1,48830,337
Prosper6.77%$240,000$1,24830,174
Eagle Pass6.61%$281,000$1,43729,888
Greenville6.64%$294,000$1,50828,648
Post6.89%$400,000$2,10528,388
Alvin6.73%$262,000$1,35728,008
Lake Jackson6.62%$258,000$1,32127,614
Forney6.72%$243,000$1,25727,456
Henrietta6.62%$340,000$1,74127,323
Big Spring6.64%$291,000$1,49327,282
Colleyville6.76%$299,000$1,55326,744
Marfa6.84%$340,000$1,78026,672
Whitesboro6.63%$235,000$1,20426,505
Balch Springs6.72%$278,000$1,43825,864
Knox City6.66%$320,000$1,64525,683
Kingsville6.68%$281,000$1,44825,292
Tomball6.79%$355,000$1,85025,237
Denver City6.75%$235,000$1,21925,133
Denison6.77%$228,000$1,18524,851
Paris6.73%$274,000$1,41924,792
Watauga6.65%$252,000$1,29424,587
San Benito6.61%$282,000$1,44224,312
Corinth6.66%$241,000$1,23924,205
Kerrville6.29%$275,000$1,36124,166
Benbrook6.84%$259,000$1,35624,153
Fate6.79%$235,000$1,22424,039
Corsicana6.08%$175,000$84624,036
Belton6.78%$252,000$1,31223,298
Wolfforth6.87%$192,500$1,01123,241
Marshall6.62%$270,000$1,38222,831
Clyde6.82%$182,500$95422,544
Mason6.62%$285,000$1,45922,371
Stephenville6.06%$225,000$1,08722,269
Katy6.87%$263,000$1,38121,894
Sweeny6.66%$255,000$1,31121,688
Universal City6.89%$252,000$1,32621,021
La Grange6.76%$360,000$1,87021,005
Dickinson6.86%$241,000$1,26520,981
Moody6.9%$320,000$1,68620,974
Morton6.75%$365,000$1,89420,488
Brownfield6.85%$310,000$1,62520,409
Portland6.66%$257,000$1,32120,367
Boerne6.55%$445,000$2,26220,283
Royse City6.68%$260,000$1,33920,162
Angleton6.64%$233,000$1,19520,098
Red Oak6.75%$450,000$2,33519,795
Ennis6.68%$258,000$1,32919,786
Alamo6.81%$283,000$1,47719,668
Orange6.66%$271,000$1,39319,571
Silsbee6.85%$260,000$1,36319,394
Muleshoe6.75%$305,000$1,58319,312
Blanco6.88%$275,000$1,44619,235
Rusk6.62%$210,000$1,07519,149
Bellaire6.69%$227,000$1,17118,971
Brownwood6.61%$268,000$1,37118,955
Jarrell6.83%$355,000$1,85718,879
Terrell6.9%$262,000$1,38018,828
Comfort6.7%$270,000$1,39418,694
Alice6.74%$273,000$1,41518,512
White Settlement6.88%$251,000$1,32018,224
Buda6.6%$365,000$1,86418,175
Andrews6.66%$265,000$1,36218,153
Taylor6.79%$261,000$1,36018,061
La Marque6.85%$225,000$1,17918,023
Pampa6.63%$259,000$1,32717,887
Seagoville6.88%$249,000$1,30917,762
Crowley6.88%$273,000$1,43517,750
Stafford6.64%$251,000$1,28817,693
Bay City6.76%$267,000$1,38717,614
Palestine6.74%$264,000$1,36817,598
Nederland6.66%$252,000$1,29617,547
Brenham6.71%$277,000$1,43117,297
Mercedes6.69%$237,000$1,22217,154
Mount Pleasant6.86%$250,000$1,31216,773
Addison6.62%$264,000$1,35216,661
Humble6.67%$267,000$1,37416,267
Sulphur Springs6.66%$234,000$1,20316,054
Gainesville6.77%$246,000$1,27916,002
Canyon6.64%$223,000$1,14415,810
Groves6.67%$241,000$1,24015,738
Mineral Wells6.73%$238,000$1,23215,596
Hewitt6.81%$234,000$1,22215,148
Hereford6.76%$252,000$1,30914,828
Manor6.68%$237,000$1,22114,661
Jacksonville6.7%$252,000$1,30114,544
Levelland6.66%$229,000$1,17714,338
Trophy Club6.84%$273,000$1,43013,743
Athens6.75%$264,000$1,37013,612
Henderson6.84%$227,000$1,18913,122
Port Neches6.8%$239,000$1,24613,040
Beeville6.81%$263,000$1,37312,863
Pecos6.7%$280,000$1,44512,841
Roma6.81%$225,000$1,17512,617
San Elizario6.88%$255,000$1,34112,408
Freeport6.61%$272,000$1,39112,268
Port Lavaca6.72%$239,000$1,23612,248
Bastrop6.5%$325,000$1,64312,246
Robinson6.88%$276,000$1,45111,946
Fredericksburg6.32%$395,000$1,95911,382
Granbury6.67%$295,000$1,51811,320
Robstown6.76%$245,000$1,27311,218
Clute6.67%$274,000$1,41011,211
Sweetwater6.79%$271,000$1,41210,800
Snyder6.61%$271,000$1,38610,783
Roanoke6.6%$223,000$1,13910,230
Vernon6.69%$257,000$1,32510,078
Commerce6.65%$226,000$1,1619,583
Liberty6.61%$242,000$1,2389,579
Lamesa6.83%$240,000$1,2569,422
Aransas Pass6.83%$249,000$1,3039,397
Woodway6.77%$227,000$1,1809,076
Graham6.8%$213,000$1,1118,653
Wharton6.88%$212,000$1,1158,631
Hillsboro6.8%$226,000$1,1798,243
Monahans6.85%$228,000$1,1958,120
Los Fresnos6.79%$218,000$1,1368,007
Justin6.9%$220,000$1,1597,740
Jasper6.75%$259,000$1,3447,590
Marble Falls6.24%$345,000$1,6987,471
Dripping Springs6.7%$545,000$2,8136,574
Keene6.83%$214,000$1,1206,439
Iowa Park6.74%$215,000$1,1146,355
Livingston6.61%$231,000$1,1815,435
Mathis6.76%$234,000$1,2154,681
Hallsville6.68%$216,000$1,1134,304
Llano6.89%$251,000$1,3213,325
Wimberley6.49%$425,000$2,1473,264
Balcones Heights6.88%$218,000$1,1463,187
Linden6.73%$220,000$1,1391,964
Sour Lake6.88%$199,000$1,0461,878

Texas Mortgage Rates Guide — 2026

Texas homebuyers currently see an average 30-year fixed mortgage rate of 6.71%, with median home prices around $272,214. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,407.

The most affordable city for homebuyers in Texas is Brownsville, where the median home price is $135,000. On the other end, Dripping Springs has the highest prices at $545,000. Property tax rates across the state average 1.8%.

To comfortably afford a home at the state average price, a household income of approximately $60,300 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.

Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.

Frequently Asked Questions — Texas Mortgages

What are current mortgage rates in Texas?

As of April 2026, the average 30-year fixed mortgage rate in Texas is 6.71% and the 15-year fixed rate averages 5.95%. Rates vary by city, lender, and borrower qualification.

What is the average home price in Texas?

The median home price across 238 cities in Texas is $272,214. Prices range from $135,000 in Brownsville to $545,000 in Dripping Springs.

How much income do I need to buy a house in Texas?

Based on the 28% debt-to-income guideline, you would need a household income of approximately $60,300 to comfortably afford the average home in Texas. The median household income in the state is approximately $60,340.

Texas Mortgage Rates by ZIP Code

Explore mortgage rates for specific ZIP codes in Texas. Rates can vary by neighborhood based on local property values and lending conditions.

ZIP 77015
Houston | 6.71% | $265,800
ZIP 77004
Houston | 6.72% | $258,277
ZIP 77029
Houston | 6.63% | $277,778
ZIP 77018
Houston | 6.68% | $253,455
ZIP 77019
Houston | 6.63% | $270,171
ZIP 77012
Houston | 6.77% | $261,425
ZIP 77031
Houston | 6.64% | $262,211
ZIP 77020
Houston | 6.68% | $263,429
ZIP 77005
Houston | 6.77% | $261,623
ZIP 77023
Houston | 6.67% | $261,854
ZIP 77006
Houston | 6.77% | $275,204
ZIP 77022
Houston | 6.78% | $263,597
ZIP 77039
Houston | 6.68% | $267,987
ZIP 77037
Houston | 6.65% | $267,479
ZIP 78210
San Antonio | 6.61% | $253,697
ZIP 78205
San Antonio | 6.76% | $244,923
ZIP 78213
San Antonio | 6.73% | $246,896
ZIP 77040
Houston | 6.67% | $267,696
ZIP 77036
Houston | 6.71% | $265,901
ZIP 78215
San Antonio | 6.74% | $262,657
ZIP 77002
Houston | 6.71% | $256,932
ZIP 78212
San Antonio | 6.71% | $257,338
ZIP 77030
Houston | 6.76% | $268,008
ZIP 78204
San Antonio | 6.74% | $261,026
ZIP 77042
Houston | 6.8% | $267,253
ZIP 77049
Houston | 6.66% | $257,213
ZIP 75201
Dallas | 6.73% | $316,243
ZIP 75220
Dallas | 6.79% | $302,289
ZIP 77010
Houston | 6.74% | $257,907
ZIP 78220
San Antonio | 6.67% | $267,087
ZIP 77024
Houston | 6.75% | $258,001
ZIP 78207
San Antonio | 6.76% | $246,884
ZIP 77001
Houston | 6.78% | $263,939
ZIP 77014
Houston | 6.63% | $266,726
ZIP 78201
San Antonio | 6.7% | $262,698
ZIP 77013
Houston | 6.7% | $272,470
ZIP 75202
Dallas | 6.69% | $320,558
ZIP 77027
Houston | 6.75% | $257,980
ZIP 78217
San Antonio | 6.79% | $255,696
ZIP 75225
Dallas | 6.69% | $328,194
ZIP 78218
San Antonio | 6.72% | $264,098
ZIP 78703
Austin | 6.79% | $457,959
ZIP 75207
Dallas | 6.72% | $306,895
ZIP 78704
Austin | 6.62% | $451,237
ZIP 75205
Dallas | 6.68% | $305,540
ZIP 77017
Houston | 6.79% | $257,205
ZIP 76106
Fort Worth | 6.76% | $291,100
ZIP 77032
Houston | 6.71% | $261,396
ZIP 78714
Austin | 6.68% | $448,036
ZIP 75203
Dallas | 6.65% | $315,933
ZIP 78216
San Antonio | 6.66% | $252,406
ZIP 76005
Arlington | 6.74% | $271,196
ZIP 75211
Dallas | 6.76% | $315,221
ZIP 78702
Austin | 6.76% | $463,347
ZIP 77044
Houston | 6.68% | $274,747
ZIP 79904
El Paso | 6.75% | $181,747
ZIP 79905
El Paso | 6.69% | $175,864
ZIP 77025
Houston | 6.63% | $254,620
ZIP 78206
San Antonio | 6.71% | $262,059
ZIP 79902
El Paso | 6.78% | $186,326
ZIP 76110
Fort Worth | 6.63% | $308,475
ZIP 77007
Houston | 6.78% | $271,516
ZIP 75218
Dallas | 6.75% | $311,167
ZIP 75224
Dallas | 6.71% | $316,669
ZIP 77046
Houston | 6.67% | $258,108
ZIP 77045
Houston | 6.62% | $268,531
ZIP 77047
Houston | 6.69% | $342,964
ZIP 77050
Houston | 6.63% | $348,635
ZIP 78706
Austin | 6.79% | $509,907
ZIP 76108
Fort Worth | 6.62% | $293,947
ZIP 76105
Fort Worth | 6.68% | $301,915

Browse Mortgage Rates by State

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