Mortgage Rates in White Settlement, Texas — March 2026
Updated March 2026 | Based on White Settlement market data and regional lending conditions
White Settlement is a growing city in Texas with a population of 18,224. The current 30-year fixed mortgage rate in White Settlement is 6.88%, which is 0.23% above the national average. With a median home price of $251,000 and a 20% down payment of $50,200, homebuyers can expect a monthly principal and interest payment of approximately $1,320.
Current Mortgage Rates in White Settlement, TX
Below are the current average mortgage rates available in the White Settlement 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 | 6.88% | 6.65% | +0.23% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.13% | 6.85% | +0.28% |
White Settlement Housing Market Overview
The White Settlement housing market offers relatively affordable housing compared to many major cities. The median household income in White Settlement is $57,400, and the cost of living index is 89 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $71,700 to comfortably afford the median-priced home in White Settlement, which exceeds the current median household income.
Monthly Payment Breakdown for White Settlement
Based on the median home price of $251,000 with 20% down ($50,200), here is what you can expect to pay monthly in White Settlement:
15-Year vs. 30-Year Mortgage in White Settlement
Choosing a 15-year mortgage in White Settlement at 6.1% instead of a 30-year at 6.88% would save you $168,300 in total interest over the life of the loan. However, your monthly payment would be $1,705 instead of $1,320 — an increase of $385 per month.
Calculate Your White Settlement Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in White Settlement
What are the current mortgage rates in White Settlement, TX?
As of March 2026, the average 30-year fixed mortgage rate in White Settlement, Texas is 6.88%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.23% above the national average of 6.65%.
How much is a monthly mortgage payment in White Settlement?
Based on the median home price of $251,000 with 20% down, the estimated monthly mortgage payment in White Settlement is $1,320 for principal and interest. Including property taxes of $353/month, the total monthly housing cost is approximately $1,673.
What income do I need to buy a home in White Settlement?
Using the 28% rule, you would need an annual income of approximately $71,700 to afford the median-priced home in White Settlement at $251,000. The median household income in White Settlement is $57,400. This means most households would need to either earn above the median or consider homes below $251,000.
Is White Settlement a good place to buy a home in 2026?
White Settlement offers a below-average cost of living with a cost of living index of 89 (national average = 100). The property tax rate in Texas is 1.69%, which is above the national average. White Settlement has a population of 18,224 and offers a very affordable lifestyle.
Mortgage Rates in Other Texas Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the White Settlement, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.