Mortgage rates in Frisco, TX
Current 30-year, 15-year, FHA, and VA averages, plus a worked monthly payment on a Frisco median-price home ($685,000). National averages update on the rates research page.
30-year fixed
6.85%
15-year fixed
6.05%
FHA 30-year
6.55%
VA 30-year
6.40%
Reference rates updated April 2026. Your quote depends on credit profile, loan-to-value, loan size, and lender. Tax and insurance figures are state-average estimates. Not a loan offer.
Monthly payment on a Frisco median-price home
30-year, 20% down
$5,115 /mo
- Sale price
- $685,000
- Loan amount
- $548,000
- Rate
- 6.85%
15-year, 20% down
$6,163 /mo
- Sale price
- $685,000
- Loan amount
- $548,000
- Rate
- 6.05%
FHA, 3.5% down
$6,027 /mo
- Sale price
- $685,000
- Loan amount
- $661,025
- Rate
- 6.55%
Includes ~0.55% annual MIP escrowed monthly.
Includes principal, interest, Collin County property tax (effective 1.82%), and Texas homeowners insurance estimate (0.85% of home value). HOA, PMI, and CDD/MUD assessments not included.
What drives the Frisco number
- Collin County property tax: ~1.82% effective rate. On the median price ($685,000) that escrows to about $1,039 per month.
- Texas insurance: ~0.85% of home value annually. About $485 per month.
- Loan-type spread: FHA quotes run ~0.30% below conventional, but you pay an upfront MIP plus 0.55% annual MIP for the life of the loan when you put less than 10% down.
- Local quirk: Frisco MUDs and PIDs in master-planned areas can add 0.3 to 0.6% on top.
Run the numbers for your scenario
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