Average Mortgage Payment in Texas (2025 Data)

2025-01-10 • Calcely

Texas remains more affordable than many coastal states, but prices vary by metro. Below are example monthly payments (principal + taxes + insurance) for typical homes in major Texas metros.

Example monthly payments (30-year, 6.0% APR)

• Dallas (median $400k): ~$2,350/month
• Houston (median $360k): ~$2,100/month
• Austin (median $450k): ~$2,600/month

Property tax in Texas is a major factor — expect higher annual taxes than the national average. Use our calculator and adjust the tax input to your county for accurate results.