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Mortgage Refinance Calculator for Houston, Texas
Pre-loaded with Houston's typical home value ($295,000) and Texas's 174.00% property tax rate.
30-yr fixed avg 7.24% as of October 29, 2026
Source: Freddie Mac PMMS
Homeowners in Houston, Texas are refinancing to take advantage of published mortgage averages. With a median home value of $295,000 in Houston and a local property tax rate of 174.00%, our calculator is pre-loaded with real Houston data so you can see your actual monthly savings in seconds.
Your refinance numbers, Houston, TX
30-yr fixed avg 7.24% as of October 29, 2026
Source: Freddie Mac PMMS
New monthly payment
$1,411
Takes ~60 seconds. No credit check.
No impact to credit
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60-second estimate
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Frequently asked questions
- What is the average cost to refinance in Houston, Texas?
- Closing costs in Houston typically range from 2% to 5% of your loan amount. On a $295,000 home, expect to pay between $5,900 and $14,750.
- What are current refinance rates in Houston, Texas?
- 30-yr fixed avg 7.24% as of October 29, 2026 · Source: Freddie Mac PMMS. This is a national purchase-mortgage benchmark, not a Texas refinance quote. Rates vary by lender, credit score, and loan amount.
- How long does it take to refinance in Houston?
- Most refinances in Houston close in 30 to 45 days. Using a streamline program like FHA Streamline or VA IRRRL can reduce this to 2 to 3 weeks.