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College Station

Compare Current College Station, Texas Mortgage Rates

Compare College Station, 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 College Station.

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

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College Station, TX Mortgage Rates as of January 21, 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 College Station, TX Mortgage Rates Compare?

January 21, 2022

Current mortgage rates in College Station, 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
College Station, 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 College Station, Texas?

Below we provide helpful information on the real estate market, home prices and housing affordability in College Station. Understand how much you need to earn to afford a home in College Station, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in College Station 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 College Station is right for you.

The median home value for College Station, TX (Brazos County) is $276,657

Based on current mortgage rates and a 10% down payment, you need to make $45,329 per year to buy the median priced home in College Station

With this income, you could qualify for a $248,991 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 College Station is $1,050

The median household income for College Station, TX (Brazos County) is $59,579

Based on this income, you can afford a home valued at approximately $363,627

The home price you can afford to buy based on household income in College Station is 131% of the median home value which means housing prices are average. College Station (Brazos County) ranks 250 out of 254 counties in Texas and 2,786 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in College Station, TX is average

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Loan Limits for College Station, Texas

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

Conforming loan limits for College Station, TX

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

FHA loan limits for College Station, TX

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for College Station, TX

1 unit: $647,200

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