Houston Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Houston, Texas (License #152318). Harris County (Houston) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Most Houston purchases fall well within that limit.
Houston is one of the largest and most diverse housing markets in the country, with affordability that supports high purchase and refinance volume across a wide range of buyers.
Today's Houston Mortgage Rates
Live best-execution Texas rates from our lender network — as of July 21, 2026 at 11:15 AM PDT.
Conventional 30-Yr Fixed
6.000%
APR 6.101%
FHA 30-Yr Fixed
5.490%
APR 5.602%
VA 30-Yr Fixed
5.625%
APR 5.741%
Jumbo 30-Yr Fixed
6.125%
APR 6.203%
Rates subject to change. See Rate Assumptions.
Houston Home Loan Facts
Median Home Price
~$345,000
Curated Houston estimate.
2026 Conforming Limit
$832,750
Harris County baseline reference.
County
Harris County
Loan limits are set at the county level.
Loan Limits & Market
Harris County (Houston) uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Most Houston purchases fall well within that limit.
From the Heights and Montrose to Katy, Sugar Land, and The Woodlands, Houston’s scale and affordability keep conventional and FHA demand strong, with steady VA activity as well.
Houston Highlights
- Baseline conforming limit of $832,750 (2026)
- Large, affordable, and diverse metro
- Strong conventional, FHA, and VA demand
- 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 Houston, Texas
Your Houston 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 HendrenHouston Mortgage FAQ
What is the conforming loan limit in Houston for 2026?
Harris County uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
Is Houston an affordable market to buy in?
Relatively, yes. Houston’s affordability and scale keep purchase and refinance volume high, and most purchases fall well within the standard conforming loan limit.
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