Mortgage rates in Sugar Land, TX
Current 30-year, 15-year, FHA, and VA averages, plus a worked monthly payment on a Sugar Land median-price home ($485,000). 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 Sugar Land median-price home
30-year, 20% down
$3,654 /mo
- Sale price
- $485,000
- Loan amount
- $388,000
- Rate
- 6.85%
15-year, 20% down
$4,396 /mo
- Sale price
- $485,000
- Loan amount
- $388,000
- Rate
- 6.05%
FHA, 3.5% down
$4,300 /mo
- Sale price
- $485,000
- Loan amount
- $468,025
- Rate
- 6.55%
Includes ~0.55% annual MIP escrowed monthly.
Includes principal, interest, Fort Bend County property tax (effective 1.90%), and Texas homeowners insurance estimate (0.85% of home value). HOA, PMI, and CDD/MUD assessments not included.
What drives the Sugar Land number
- Fort Bend County property tax: ~1.90% effective rate. On the median price ($485,000) that escrows to about $768 per month.
- Texas insurance: ~0.85% of home value annually. About $344 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.
Run the numbers for your scenario
Plug in your real price, down payment, and credit profile. We'll itemize the monthly payment and the cash to close.