What Texans paid for a 30-year mortgage in 2025 - median rates from 6.125% to 6.75% across 30 counties
Mortgage rates in the news are quotes. This is different: it is what borrowers actually paid. As of October 18, 2026, the latest full year of public Home Mortgage Disclosure Act (HMDA) data is 2025. We counted the conventional 30-year loans made to buy a single-family home in 30 large Texas counties: 128,316 loans (out of 419,603 loans of every kind originated in those counties that year).
The median rate by county, 2025
| County | Loans | Median rate | Middle half of loans | Change from 2024 |
|---|---|---|---|---|
| Harris | 21,578 | 6.5% | 6.0%–6.875% | −0.125 pt |
| Collin | 11,544 | 6.49% | 5.875%–6.875% | −0.135 pt |
| Tarrant | 10,669 | 6.624% | 6.125%–6.875% | −0.001 pt |
| Dallas | 10,506 | 6.5% | 6.125%–6.875% | −0.125 pt |
| Travis | 8,900 | 6.49% | 5.99%–6.875% | −0.134 pt |
| Bexar | 7,042 | 6.45% | 5.875%–6.875% | −0.05 pt |
- The lowest county median was 6.125% (Guadalupe, 1,008 loans) and the highest 6.75% (Smith, 1,320 loans, and Ector, 440 loans). Counties with fewer loans move more from year to year.
- "Middle half" is the range that half of the loans fall in. In every county above, the middle half spans about 0.75 to 1 percentage point, so two neighbors in the same county can pay very different rates.
- In Harris County the median was 3.124% in 2021, 4.99% in 2022, 6.5% in 2023, 6.625% in 2024 and 6.5% in 2025.
Every county, with the loan size and costs, is in our Texas mortgage rates dataset, and each county has a page with its mortgage, property tax rate and electricity figures, for example Harris County or Travis County.
What this does not tell you
- It is the note rate, not the APR, and it is the rate on loans made one to two years ago. It is not today's rate and not an offer.
- There is no credit score in the public data. Rates depend on credit, down payment and the day the rate was set.
- A lower rate can cost more up front. Borrowers can pay points to lower the rate, so look at the median costs next to the rate (the dataset has them).
- We do not rank lenders. Differences between lenders mostly reflect who they lend to, which this data cannot separate. TexasHomeBills is not a lender or a mortgage broker and earns nothing from any lender.
A mortgage is only one part of what a home costs. See the school district tax rates that fell in all 30 counties and the Texas home costs by county, which put electricity, mortgage rates and tax rates side by side.
Questions
What mortgage rate did people in Texas actually pay in 2025?
In 2025, across 30 large Texas counties, the median note rate on conventional 30-year home-purchase loans that were actually made ranged from 6.125% in Guadalupe County to 6.75% in Smith and Ector counties. In Harris County, the largest, it was 6.5%.
Is this today's mortgage rate in Texas?
No. This is the rate on loans already made, from public Home Mortgage Disclosure Act (HMDA) data published after the year ends. Today's rate depends on the market and on your own credit, down payment and points; ask lenders for a Loan Estimate.
Why does TexasHomeBills not rank mortgage lenders?
Because the data cannot show whether one lender is cheaper. A lender's median rate mostly reflects its borrowers' credit and how many points they paid, and HMDA has neither credit scores nor a reliable points field.
Sources
- HMDA Data Browser — loans originated, Texas counties, 2021–2025 — Federal Financial Institutions Examination Council (FFIEC)
General information as of Oct 18, 2026, not legal or financial advice. PUCT rules (16 TAC Chapter 25), your contract and the provider's Electricity Facts Label control; check the current rule text and your own documents.
