Texas Mortgage Rates Today
Compare current Texas mortgage rates. Affordable housing, no state income tax, and TSAHC first-time buyer programs.
Last updated: June 10, 2026
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30-Year Fixed
6.72%
+0.02
15-Year Fixed
6.22%
0.00
30-Year FHA
5.5%
-0.01
5/1 ARM
6.15%
+0.02
Texas Mortgage Calculator
Texas has NO state income tax — more take-home pay for your mortgage
Monthly Payment
$2,393
Loan Amount
$276,000
Total Interest
$366,467
Property Tax/mo
$489
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Rates by City
Dallas
Median Home:$350,000
Tax Rate:1.8%
Est. Monthly:$2,100
Houston
Median Home:$320,000
Tax Rate:1.7%
Est. Monthly:$1,850
Austin
Median Home:$470,000
Tax Rate:1.8%
Est. Monthly:$2,900
San Antonio
Median Home:$280,000
Tax Rate:1.9%
Est. Monthly:$1,650
Fort Worth
Median Home:$340,000
Tax Rate:1.8%
Est. Monthly:$2,000
TSAHC First-Time Buyer Programs
- • First Time Homebuyer Program: Below-market interest rate mortgages through participating lenders.
- • Down Payment Assistance: Up to 5% of loan amount as a grant or 0% interest deferred loan.
- • Texas Hero Program: Special rates for teachers, police, firefighters, and veterans.
- • No state income tax means more of your income goes toward mortgage payments.
Top Lenders in Texas
| Lender | Rating | Min Credit | Min Down |
|---|---|---|---|
| Rocket Mortgage | 4.5 | 580 | 1-3.5% |
| LoanDepot | 4.3 | 620 | 3% |
| UWM | 4.4 | 620 | 3% |
| Flagstar Bank | 4.2 | 620 | 3% |