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Lender Tables
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Compare Current The Woodlands, Texas Mortgage Rates
Compare The Woodlands, 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 The Woodlands.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in The Woodlands. Plus, shopping lenders is free and there is no obligation.
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The Woodlands, TX Mortgage Rates as of July 15, 2025
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's The Woodlands, TX Mortgage Rates
July 15, 2025
Current mortgage rates in The Woodlands, 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 The Woodlands, TX Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
How Affordable is Housing in The Woodlands, Texas?
Below we provide helpful information on the real estate market, home prices and housing affordability in The Woodlands. Understand how much you need to earn to afford a home in The Woodlands, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in The Woodlands 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 The Woodlands is right for you.
The median home value for The Woodlands, TX (Montgomery County) is $330,344
Based on current mortgage rates and a 10% down payment, you need to make $68,915 per year to buy the median priced home in The Woodlands
With this income, you could qualify for a $297,309 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 The Woodlands is $1,596
The median household income for The Woodlands, TX (Montgomery County) is $88,172
Based on this income, you can afford a home valued at approximately $422,651
The home price you can afford to buy based on household income in The Woodlands is 128% of the median home value which means housing prices are average.
The Woodlands (Montgomery County) ranks 222 out of 254 counties in Texas and 2,369 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in The Woodlands, TX is average
Loan Limits for The Woodlands, Texas
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for The Woodlands (Montgomery County) below.
Conforming loan limits for The Woodlands, TX
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for The Woodlands, TX
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for The Woodlands, TX
1 unit:$726,200
Additional Mortgage Resources for The Woodlands, TX Residents