Mortgage Rates Sunset, Texas for June 2026
Brian McKay
Brian McKay
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Current 30-year fixed mortgage rates in Sunset, Texas include Chemcel Federal Credit UnionChemcel Federal Credit UnionA+5.0 ★Texas Ratio: 5.61% at 5.50%, Firstmark Credit UnionFirstmark Credit UnionA+5.0 ★Texas Ratio: 3.69% at 5.38%, Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit UnionA+5.0 ★Texas Ratio: 4.44% at 5.75%, Frost BankFrost BankA+5.0 ★Texas Ratio: 2.87% at 5.75%, and Wells FargoWells FargoA5.0 ★Texas Ratio: 7.44% at 5.75%. Mortgage rates as of June 16, 2026 according to verified data from MonitorBankRates.
Sunset borrowers have access to 25 lenders serving the Texas area, with mortgage rates as low as 5.50% from Chemcel Federal Credit Union. Use the tabs below to compare available loan types. Rates are continually updated — we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Texas borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: June 16, 2026
Compare Mortgage Rates Today in Sunset, Texas & the Surrounding Area
Sunset 30 Year Fixed Mortgage Rates
Fixed rate
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Built-In End of Watch Loan Protection on Every Eligible Mortgage!**
Eligible homebuyers who meet income qualification guidelines may qualify for special pricing and reduced costs. Taxes and insurance will increase the total monthly payment obligation.â€
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As Low As; Mortgage Purchase
Power Rate*
As low as 6.125%
As low as; Estimated Payment: $2,126.64 per month for 30 years
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Eligible homebuyers meeting property location qualification guidelines may qualify for special pricing and reduced costs. Taxes and insurance will increase the total monthly payment obligation. â€
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Example payment schedule: A 30-year fixed-rate mortgage with a 20% down payment, $880,000 loan amount and a 6.410% APR, will have 360 monthly payments of approximately $5,490.06. Taxes and insurance will increase the total monthly payment obligation.â€
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APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
Sunset 15 Year Fixed Mortgage Rates
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As low as 5.750%
As low as; Estimated Payment: $2,906.44 per month for 15 years
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Example payment schedule: A 15-year fixed-rate mortgage with a 20% down payment, $880,000 loan amount and a 6.558% APR, will have 180 monthly payments of approximately $7,665.74 Taxes and insurance will increase the total monthly payment obligation.â€
APR shown is the lowest available rate. Rates depend on individual creditworthiness and are subject to change without notice.
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Maximum Payment: 6.15%* **
Sunset 5/1 ARM Mortgage Rates
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Annual Cap: 2.00%; Lifetime Cap: 5.00%; Minimum Loan Amount is $20,000; Maximum Refinance Loan to Value is 90%; Maximum Purchase Money 95% LTV
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Fixed-rate for the first 15 years (180 months). After that, the rate adjusts once and is then fixed for the remaining 15 years. Loan Amounts: Up to $2,000,000. Rate Caps: Max 5% change after the initial fixed period. Max interest rate: Initial Rate + 5%. Payment example for a $400,000 loan: initial fixed payment $2,334.29 for 180 months, first adjustment at 181st month, rate no more than 10.75% (5% lifetime cap above the initial start rate), with an estimated maximum fixed payment of $3,151.00 for the remaining 180 months. Rates may increase no more than 5% above the initial start rate over the life of the loan, with a maximum rate of 10.75% and an estimated maximum payment of $3,151.00. The current index rate for the Five-Year Treasury Constant Maturity is 3.65%.
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As low as 5.750%; initial fixed rate period (5 years)
As low as; Estimated Payment: $2,042.50 per month for initial fixed rate period (5 years)
Fixed for 5 years, variable for the next 25 years (adjusts annually). Loan Amounts: Up to $2,000,000. Rate Caps: Max 2% change after the initial fixed period. Max 2% change per year after each subsequent adjustment. Max interest rate: Initial Rate + 5%. Payment example for a $400,000 loan: initial fixed payment $2,430.44 for 60 months, first adjustment at 61st month, rate no more than 8.125% with estimated fixed payment $2,908.17 for 12 months, second adjustment at 73rd month, rate no more than 10.13% with estimated fixed payment $3,408.14. Rates increase no more than 5% above the initial start rate over the life of the loan and a maximum rate of 11.125%, with an estimated maximum payment of $3,663.27. Index rate for the One-Year Treasury Constant Maturity is 4.65%.
Fixed for 5 years, then adjust every 5 years after that. Loan Amounts: Up to $2,000,000. Rate Caps: Max 2% change after the initial fixed period. Max 2% change every 5 years. Max interest rate: Initial Rate + 5%. Payment example for a $400,000 loan: initial fixed payment $2,334.29 for 60 months, first adjustment at 61st month, rate no more than 7.75% with estimated fixed payment $2,802.64 for 60 months, second adjustment at 121st month, rate no more than 9.75% with estimated fixed payment $3,238.14. Rates increase no more than 5% above the initial start rate over the life of the loan and a maximum rate of 9.75%, with an estimated maximum payment of $3,426.39. Index rate for the Five-Year Treasury Constant Maturity is 3.65%.
Sunset 30-Year Jumbo Mortgage Rates
As Low As; Estimated Payment per $10,000: $107.91
As low as 6.125%
As low as; Estimated Payment: $5,061.40 per month for 30 years
As Low As; Estimated Payment per $10,000: $72.37
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As Low As; Estimated Payment per $10,000: $63.21
$1,000,000; As Low As
$1,600,000.00+; As Low As
Sunset 15-Year Jumbo Mortgage Rates
As Low As; Estimated Payment per $10,000: $82.37
As low as 6.00%
As low as; Estimated Payment: $7,029.33 per month for 15 years
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Sunset 5/1 Jumbo ARM Mortgage Rates
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Sunset FHA Loan Rates
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Sunset VA Loan Rates
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Sunset, TX Mortgage Rate Trends
Compare local Sunset, TX mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes — updated every evening.
Texas 30-year fixed rates fell 0.133 points over the past 7 days to 6.266%.
Texas 15-year fixed rates fell 0.119 points over the past 7 days to 5.930%.
Texas Mortgage Rate Forecast — Next 12 Months
Where are Texas mortgage rates headed through June 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Sunset, TX Home Buyers
Monthly principal & interest payment on Sunset, TX median home of $303,400 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (TX avg) | 6.266% | $1,497 | — | 22.9% |
| 6-Month Forecast | 6.266% (5.92–6.57%) | $1,497 | +$0/mo | 22.9% |
| 12-Month Forecast | 5.866% (5.52–6.17%) | $1,434 | -$63/mo | 21.9% |
Income column = annual mortgage payment as % of Sunset, TX median household income ($78,476). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Sunset, Texas — computed from local Census Bureau data combined with current Texas mortgage rates. Based on Texas statewide data for this location.
What This Score Means for Sunset, Texas Home Buyers
With a score of 101.1, Sunset, Texas is 0.8 points more affordable than the national average of 100.3. The area’s median home value of $283,800 against a median household income of $78,476 produces a price-to-income ratio of 3.6x — relatively affordable compared to national levels. At the current Texas mortgage rate of 6.266%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $1,400 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $1,404 — covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $444/month ($5,327/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from Texas statewide U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Texas live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology →
How Mortgage Rates Impact Home Affordability in Sunset, Texas
Sunset, Texas Housing Market Overview
City-level home value data is not available for Sunset — figures below reflect Texas statewide data.
The Texas statewide median owner-occupied home value is approximately $283,800, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit for this area is $832,750 — meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Sunset, Texas Homeownership Rate
The homeownership rate in Sunset, Texas stands at 63.2%, near the national average of 65.7%. The homeowner vacancy rate is 1.6%.
Monthly Payment Estimates for Sunset, Texas Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $400,000 mortgage.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 5.766% | 30-year fixed | $2,338 | $441,809 |
| 6.266% Current Avg | 30-year fixed | $2,467 | $488,132 |
| 6.766% | 30-year fixed | $2,599 | $535,513 |
| 5.930% | 15-year fixed | $3,360 | $204,857 |
A 0.500% rate increase on a $400,000 loan adds roughly $132 per month and over $47,382 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders — using the rate table above — is one of the most impactful financial decisions a Sunset, Texas buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only — taxes, insurance, and PMI not included.
Sunset, Texas Income & Housing Affordability
City-level Census data is not available for Sunset — figures below reflect Texas statewide data.
At a price-to-income ratio of 3.6x, Texas is a relatively affordable housing market compared to national averages. That ratio — median home value divided by median household income — is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Texas Buyers
With a median household income of $78,476 per year in Texas statewide ($6,540/month) and a median home value of approximately $283,800, a buyer financing at 80% LTV at the current average rate would commit roughly 37.7% of gross monthly income to principal and interest alone. That places most buyers above the 30% threshold housing economists use to define "cost burdened" — before taxes, insurance, HOA fees, or PMI are factored in.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Sunset, Texas
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Sunset, Texas. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Sunset, Texas, the median homeowner with a mortgage pays approximately $1,404/month in total housing costs — covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,403/month including utilities. The $1/month difference between owning and renting is relatively narrow — worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $444/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Sunset, Texas, 28.8% of homeowners with mortgages are cost burdened and 49.3% of renters are cost burdened. Renters face significantly higher burden rates than owners — a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. With an owner burden rate of 28.8% near the national average of 28.0%, this market reflects typical affordability conditions for mortgage holders.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Run the Numbers on Your Sunset, Texas Home Loan
Rates are only part of the equation. Use these calculators to translate current Sunset, Texas mortgage rates into real numbers for your specific situation — before you talk to a lender.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios — a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Sunset, Texas rates — so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point — the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path — mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment — to show which option builds more wealth over your intended time horizon in Sunset, Texas.
CalculateTypes of Mortgages Available in Sunset, Texas
Not every loan program is right for every buyer in Sunset, Texas. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products — and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term — your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Sunset, Texas rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period — commonly 5, 7, or 10 years — after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down — and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15%–0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment — given ongoing home price trends in Sunset, Texas — FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with — and often better than — conventional loan rates.
A one-time funding fee applies — 2.15% of the loan for first-time VA borrowers with no down payment — which can be financed into the loan. In Sunset, Texas, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Sunset, Texas is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk — and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10–20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sunset, Texas mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Sunset, Texas directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Sunset, Texas. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
How a Mortgage Works in Sunset, Texas
A mortgage is a loan used to buy a home in Sunset, Texas, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed-Rate vs. Adjustable-Rate Mortgages for Sunset, Texas Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Sunset, Texas homeowner’s principal-and-interest payment never changes. For example, Chemcel Federal Credit Union is listing a 30-year fixed at 5.50%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Sunset, Texas borrowers who expect to move or refinance before that point. On the adjustable-rate side, USE Federal Credit Union is listing a ARM (Adjustable Rate Mortgage) at 4.50%.
How Sunset, Texas Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Texas borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs in Sunset, Texas
The interest rate is not the only cost of buying a home in Sunset, Texas. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Sunset, Texas shoppers account for these costs when weighing lenders.
When Sunset, Texas Homeowners Should Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Sunset, Texas homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up.
Frequently Asked Questions about Mortgage Rates in Sunset, Texas
How does my credit score affect my rate in Texas?
What is a 30-Year Fixed Mortgage?
What are closing costs in Texas?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Sunset, Texas?
Do I need 20% down to buy a house in Texas?
What is the difference between Interest Rate and APR?
How do I find the best lender in Sunset, Texas?
What is the homeownership rate in Sunset, Texas?
What is the conforming loan limit in Sunset, Texas?
What is the median monthly cost of homeownership in Sunset, Texas?
What are the median property taxes in Sunset, Texas?
What is the median rent in Sunset, Texas?
What percentage of homeowners are cost burdened in Sunset, Texas?
What percentage of renters are cost burdened in Sunset, Texas?
What are the best Mortgage rates in Sunset, Texas?
- Chemcel Federal Credit Union: 5.50% (30-year fixed)
- Firstmark Credit Union: 5.38% (30yr Loan)
- Chicago Patrolmens Federal Credit Union: 5.75% (30-Year Fixed Mortgage)
- Frost Bank: 5.75% (30-year fixed-rate (Income-based))
- Wells Fargo: 5.75% (30-Year Fixed-Rate VA)
