Mortgage Rates in Texas City, Texas — March 2026
Updated March 2026 | Based on Texas City market data and regional lending conditions
Texas City is a growing city in Texas with a population of 53,284. The current 30-year fixed mortgage rate in Texas City is 6.72%, which is 0.07% above the national average. With a median home price of $322,000 and a 20% down payment of $64,400, homebuyers can expect a monthly principal and interest payment of approximately $1,666.
Current Mortgage Rates in Texas City, TX
Below are the current average mortgage rates available in the Texas City 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 | 6.72% | 6.65% | +0.07% |
| 15-Year Fixed | 5.96% | 5.89% | +0.07% |
| 5/1 ARM | 6.23% | 6.15% | +0.08% |
| FHA | 6.48% | 6.25% | +0.23% |
| VA | 6.23% | 6.05% | +0.18% |
| Jumbo | 6.97% | 6.85% | +0.12% |
Texas City Housing Market Overview
The Texas City housing market reflects moderate demand with prices near the national average. The median household income in Texas City is $57,500, and the cost of living index is 96.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $92,657 to comfortably afford the median-priced home in Texas City, which exceeds the current median household income.
Monthly Payment Breakdown for Texas City
Based on the median home price of $322,000 with 20% down ($64,400), here is what you can expect to pay monthly in Texas City:
15-Year vs. 30-Year Mortgage in Texas City
Choosing a 15-year mortgage in Texas City at 5.96% instead of a 30-year at 6.72% would save you $209,520 in total interest over the life of the loan. However, your monthly payment would be $2,168 instead of $1,666 — an increase of $502 per month.
Calculate Your Texas City 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 Texas City
What are the current mortgage rates in Texas City, TX?
As of March 2026, the average 30-year fixed mortgage rate in Texas City, Texas is 6.72%, while the 15-year fixed rate is 5.96%. FHA loans average 6.48% and VA loans 6.23%. These rates are 0.07% above the national average of 6.65%.
How much is a monthly mortgage payment in Texas City?
Based on the median home price of $322,000 with 20% down, the estimated monthly mortgage payment in Texas City is $1,666 for principal and interest. Including property taxes of $496/month, the total monthly housing cost is approximately $2,162.
What income do I need to buy a home in Texas City?
Using the 28% rule, you would need an annual income of approximately $92,657 to afford the median-priced home in Texas City at $322,000. The median household income in Texas City is $57,500. This means most households would need to either earn above the median or consider homes below $322,000.
Is Texas City a good place to buy a home in 2026?
Texas City offers a below-average cost of living with a cost of living index of 96.4 (national average = 100). The property tax rate in Texas is 1.85%, which is above the national average. Texas City has a population of 53,284 and offers a balanced 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 Texas City, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.