In Texas, most mortgage projects cost between $200,000 and $800,000 per loan, with a typical price near $400,000. Local labour, permits and materials move the final price, so treat the range below as a planning guide.
Typical mortgage cost
$200,000 – $800,000
per loan · typical $400,000
A general planning range, not a quotation.
Mortgage cost breakdown
- Starter home ($250k)$150,000 – $300,000typical $250,000
- Average home ($400k)$300,000 – $500,000typical $400,000
- Upscale home ($700k)$500,000 – $900,000typical $700,000
At a glance
- Typical range$200,000 – $800,000
- Unitper loan
- Cities covered91
What Mortgages costs
Long-term loans to buy or refinance property, secured by the home. Typical U.S. home price is ~$400k, with 20% down common. Rates currently around 6–7% for 30-year fixed. Total cost includes interest, taxes, and insurance.
By city in Texas
- Abilene
- Allen
- Amarillo
- Arlington
- Atascocita
- Austin
- Baytown
- Beaumont
- Bedford
- Brownsville
- Bryan
- Burleson
- Carrollton
- Cedar Hill
- Cedar Park
- Channelview
- College Station
- Conroe
- Coppell
- Corpus Christi
- Dallas
- DeSoto
- Denton
- Duncanville
- Edinburg
- El Paso
- Euless
- Farmers Branch
- Flower Mound
- Fort Worth
- Friendswood
- Frisco
- Galveston
- Garland
- Georgetown
- Grand Prairie
- Grapevine
- Haltom City
- Harlingen
- Houston
- Hurst
- Irving
- Keller
- Killeen
- Kyle
- Lake Jackson
- Laredo
- League City
- Leander
- Lewisville
- Little Elm
- Longview
- Lubbock
- McAllen
- McKinney
- Mesquite
- Midland
- Mission
- Mission Bend
- Missouri City
- New Braunfels
- North Richland Hills
- Odessa
- Pasadena
- Pearland
- Pflugerville
- Pharr
- Plano
- Port Arthur
- Richardson
- Rockwall
- Rosenberg
- Round Rock
- Rowlett
- San Angelo
- San Antonio
- Schertz
- Sherman
- Spring
- Sugar Land
- Temple
- Texarkana
- Texas City
- The Colony
- The Woodlands
- Tyler
- Waco
- Waxahachie
- Weslaco
- Wichita Falls
- Wylie
Frequently asked questions
What is the current mortgage rate?
30-year fixed rates average around 6.5–7%, 15-year around 5.5–6%. Rates vary by lender and credit.
What affects the monthly payment?
Loan amount, interest rate, term, property taxes, insurance, and PMI if down payment <20%. Credit score and debt ratio matter.
How can I get a lower rate?
Improve credit, shop multiple lenders, buy discount points, make a larger down payment, and consider a shorter term.