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Austin County

Compare Current Austin County, Texas Mortgage Rates

Compare Austin County, TX mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Austin County.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Austin County. Plus, shopping lenders is free and there is no obligation.

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Austin County, TX Mortgage Rates as of January 22, 2022
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.
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How Do Today's Austin County, TX Mortgage Rates Compare?

January 22, 2022

Current mortgage rates in Austin County, TX are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Today's
Austin County, TX Rates
National
Average
Comparison
30 Year Fixed Rate
%
3.450%
15 Year Fixed Rate
%
2.620%
5/1 Adjustable Rate Mortgage
%
2.570%

How Affordable is Housing in Austin County, Texas?

Below we provide helpful information on the real estate market, home prices and housing affordability in Austin County. Understand how much you need to earn to afford a home in Austin County, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Austin County fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Austin County is right for you.

The median home value for Austin County, TX (Austin County County) is $517,364

Based on current mortgage rates and a 10% down payment, you need to make $84,768 per year to buy the median priced home in Austin County

With this income, you could qualify for a $465,628 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Austin County is $1,963

The median household income for Austin County, TX (Austin County County) is $87,254

Based on this income, you can afford a home valued at approximately $532,540

The home price you can afford to buy based on household income in Austin County is 103% of the median home value which means housing prices are average. Austin County (Austin County County) ranks 254 out of 254 counties in Texas and 3,002 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Austin County, TX is average

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Loan Limits for Austin County, Texas

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Austin County (Austin County County) below.

Conforming loan limits for Austin County, TX

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Austin County, TX

1 unit: $483,000
2 units: $618,300
3 units: $747,400
4 units: $928,850

VA loan limits for Austin County, TX

1 unit: $647,200

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