Mortgage Rates in Sugar Land, Texas — March 2026
Updated March 2026 | Based on Sugar Land market data and regional lending conditions
Sugar Land is a growing city in Texas with a population of 118,488. The current 30-year fixed mortgage rate in Sugar Land is 6.7%, which is 0.05% above the national average. With a median home price of $395,000 and a 20% down payment of $79,000, homebuyers can expect a monthly principal and interest payment of approximately $2,039.
Current Mortgage Rates in Sugar Land, TX
Below are the current average mortgage rates available in the Sugar Land 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% |
Sugar Land Housing Market Overview
The Sugar Land housing market reflects moderate demand with prices near the national average. The median household income in Sugar Land is $108,250, and the cost of living index is 102.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $112,800 to comfortably afford the median-priced home in Sugar Land, which exceeds the current median household income.
Monthly Payment Breakdown for Sugar Land
Based on the median home price of $395,000 with 20% down ($79,000), here is what you can expect to pay monthly in Sugar Land:
15-Year vs. 30-Year Mortgage in Sugar Land
Choosing a 15-year mortgage in Sugar Land at 5.94% instead of a 30-year at 6.7% would save you $255,960 in total interest over the life of the loan. However, your monthly payment would be $2,656 instead of $2,039 — an increase of $617 per month.
Calculate Your Sugar Land 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 Sugar Land
What are the current mortgage rates in Sugar Land, TX?
As of March 2026, the average 30-year fixed mortgage rate in Sugar Land, 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 Sugar Land?
Based on the median home price of $395,000 with 20% down, the estimated monthly mortgage payment in Sugar Land is $2,039 for principal and interest. Including property taxes of $593/month, the total monthly housing cost is approximately $2,632.
What income do I need to buy a home in Sugar Land?
Using the 28% rule, you would need an annual income of approximately $112,800 to afford the median-priced home in Sugar Land at $395,000. The median household income in Sugar Land is $108,250. This means most households would need to either earn above the median or consider homes below $395,000.
Is Sugar Land a good place to buy a home in 2026?
Sugar Land has a moderate cost of living with a cost of living index of 102.5 (national average = 100). The property tax rate in Texas is 1.8%, which is above the national average. Sugar Land has a population of 118,488 and offers a balanced lifestyle.
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Sugar Land, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.