This week's average rate · Free · No credit check
Mortgage Refinance Calculator for Texas
Pre-filled with Texas's average home value ($305,000) and 174.00% property tax rate.
30-yr fixed avg 7.24% as of October 29, 2026
Source: Freddie Mac PMMS
If you own a home in Texas, now may be a great time to refinance. With a median home value of $305,000 and an average property tax rate of 174.00%, our calculator is pre-loaded with real Texas data so you can see your actual savings in seconds.
New monthly payment
$1,458
Takes ~60 seconds. No credit check.
No impact to credit
No credit check to use the calculator.
60-second estimate
See real savings before you talk to anyone.
You choose who contacts you
We only share your info with licensed lenders when you ask to see real offers. No credit check to use the calculator.
Cities in Texas
Local averages baked in for faster, more accurate estimates.
Frequently asked questions
- What is the average cost to refinance in Texas?
- Closing costs in Texas typically range from 2% to 5% of the loan amount. On a $305,000 home, that's approximately $6,100 to $15,250.
- How much can I save by refinancing in Texas?
- Savings depend on your existing loan and lender quote. 30-yr fixed avg 7.24% as of October 29, 2026 · Source: Freddie Mac PMMS. This national purchase-mortgage benchmark is not a local refinance offer. Use the calculator to compare your own rates and terms.
- Does refinancing hurt my credit score in Texas?
- Checking your refinance options with RefiCalculator.com does not impact your credit score. A hard inquiry only occurs when you formally apply with a lender.