Austin Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Austin, Texas (License #152318). Travis County (Austin) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, as all Texas counties do. Loans above that amount are financed as jumbo loans, which are relatively common in Austin.
Austin’s tech-driven economy and rapid growth have pushed home prices to the highest level among major Texas metros, making higher-balance and jumbo financing more common here than elsewhere in the state.
Today's Austin Mortgage Rates
Live best-execution Texas rates from our lender network — as of August 10, 2026 at 8:13 AM PDT.
Conventional 30-Yr Fixed
6.125%
APR 6.227%
FHA 30-Yr Fixed
5.625%
APR 5.758%
VA 30-Yr Fixed
5.625%
APR 5.783%
Jumbo 30-Yr Fixed
6.375%
APR 6.499%
Rates subject to change. See Rate Assumptions.
Austin Home Loan Facts
Median Home Price
~$550,000
Curated Austin estimate.
2026 Conforming Limit
$832,750
Travis County baseline reference.
County
Travis County
Loan limits are set at the county level.
Loan Limits & Market
Travis County (Austin) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, as all Texas counties do. Loans above that amount are financed as jumbo loans, which are relatively common in Austin.
From Central Austin and the west side to Round Rock, Cedar Park, and Pflugerville, demand stays strong. Higher price points mean more Austin buyers approach or exceed the conforming limit than in most Texas markets.
Austin Highlights
- Baseline conforming limit of $832,750 (2026)
- Highest price points among major Texas metros
- More jumbo activity than most Texas markets
- No state income tax in Texas
Property Taxes in Texas
Texas has no state income tax but relatively high property tax rates. A homestead exemption reduces taxable value on your primary residence and caps annual assessment increases.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Texas
TSAHC Home Sweet Texas
Down payment assistance and a first mortgage for eligible buyers, with a bonus option for veterans.
TDHCA My First Texas Home
Low-rate first mortgage plus down payment and closing-cost assistance for first-time buyers.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Austin, Texas
Your Austin loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Texas mortgage license (#152318). See our full licensing & disclosures for details.
Meet Ivan HendrenAustin Mortgage FAQ
Is jumbo financing common in Austin?
More so than in most Texas markets. All Texas counties use the $832,750 baseline conforming limit, and because Austin has the state’s highest price points, more buyers here exceed it and use jumbo loans.
What is the conforming loan limit in Austin for 2026?
Travis County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
Other Texas Markets
All of TexasHouston
Median ~$345,000
Large, diverse metro with strong purchase and refinance volume.
Dallas–Fort Worth
Median ~$400,000
Booming metroplex with broad demand across all loan types.
San Antonio
Median ~$300,000
“Military City USA” — exceptionally strong VA loan demand.
El Paso
Median ~$250,000
Highly affordable West Texas market with strong VA demand near Fort Bliss.
Corpus Christi
Median ~$290,000
Affordable Gulf Coast market with steady VA demand near naval installations.
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