Home state: Texas

    HOUSTON mortgage rates

    HOUSTON's lowest publicly advertised 30-year fixed rate today is 6.125% — the national average is 6.88%. That's about $71,499 saved over the life of a $400,000, 30-year loan. We track HOUSTON daily and refresh rates every morning.

    Today's rates from HOUSTON

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.125%6.221%0Sep 11, 2026Visit
    20 Year Fixed6%6.126%0Sep 11, 2026Visit
    15 Year Fixed5.5%5.656%0Sep 11, 2026Visit
    10 Year Fixed5.125%5.343%0Sep 11, 2026Visit

    Rate history

    Lowest daily rate HOUSTON advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join HOUSTON

    Houston Federal Credit Union is open to anyone who lives, works, worships, or attends school in the City of Houston, various communities in the surrounding area like Sugar Land and Richmond, or specific underserved areas in four South Carolina counties. Family members of those eligible are also invited to join.

    County
    Anderson County, SC, Greenville County, SC, Laurens County, SC, Pickens County, SC
    City
    Houston, TX, Sugar Land, TX, Rosenberg, TX, Richmond, TX, Sienna, TX, Thompsons, TX, Arcola, TX

    Where HOUSTON writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with HOUSTON.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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