Mortgage Rates in Wimberley, Texas — March 2026
Updated March 2026 | Based on Wimberley market data and regional lending conditions
Wimberley is a growing city in Texas with a population of 3,264. The current 30-year fixed mortgage rate in Wimberley is 6.49%, which is 0.16% below the national average. With a median home price of $425,000 and a 20% down payment of $85,000, homebuyers can expect a monthly principal and interest payment of approximately $2,147.
Current Mortgage Rates in Wimberley, TX
Below are the current average mortgage rates available in the Wimberley 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 | 6.49% | 6.65% | -0.16% |
| 15-Year Fixed | 5.73% | 5.89% | -0.16% |
| 5/1 ARM | 5.99% | 6.15% | -0.16% |
| FHA | 6.09% | 6.25% | -0.16% |
| VA | 5.89% | 6.05% | -0.16% |
| Jumbo | 6.69% | 6.85% | -0.16% |
Wimberley Housing Market Overview
The Wimberley housing market reflects moderate demand with prices near the national average. The median household income in Wimberley is $55,000, and the cost of living index is 100 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $119,657 to comfortably afford the median-priced home in Wimberley, which exceeds the current median household income.
Monthly Payment Breakdown for Wimberley
Based on the median home price of $425,000 with 20% down ($85,000), here is what you can expect to pay monthly in Wimberley:
15-Year vs. 30-Year Mortgage in Wimberley
Choosing a 15-year mortgage in Wimberley at 5.73% instead of a 30-year at 6.49% would save you $265,320 in total interest over the life of the loan. However, your monthly payment would be $2,820 instead of $2,147 — an increase of $673 per month.
Calculate Your Wimberley Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Wimberley
What are the current mortgage rates in Wimberley, TX?
As of March 2026, the average 30-year fixed mortgage rate in Wimberley, Texas is 6.49%, while the 15-year fixed rate is 5.73%. FHA loans average 6.09% and VA loans 5.89%. These rates are 0.16% below the national average of 6.65%.
How much is a monthly mortgage payment in Wimberley?
Based on the median home price of $425,000 with 20% down, the estimated monthly mortgage payment in Wimberley is $2,147 for principal and interest. Including property taxes of $645/month, the total monthly housing cost is approximately $2,792.
What income do I need to buy a home in Wimberley?
Using the 28% rule, you would need an annual income of approximately $119,657 to afford the median-priced home in Wimberley at $425,000. The median household income in Wimberley is $55,000. This means most households would need to either earn above the median or consider homes below $425,000.
Is Wimberley a good place to buy a home in 2026?
Wimberley offers a below-average cost of living with a cost of living index of 100 (national average = 100). The property tax rate in Texas is 1.82%, which is above the national average. Wimberley has a population of 3,264 and offers a balanced 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 Wimberley, Texas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.