Safe Rate Local

Mortgage Rates in Palo Pinto County, TX

6.990%APR 7.016% · $2,149/mo (20% Down)
Updated daily · May 22, 2026+0.423% (14d)
Safe Rate Choice20% Down Conv.
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14-Day Rate Trend
+0.423%
LO 6.542%HI 6.990%TODAY 6.990%
ProductRate / APR Mo. Payment Points
FHA Streamline
FHA streamline refinance
+$179/mo MI
0% Down640 FICO30-yr
6.097%
6.858% APR
$2,404
Principal & Interest
$0 Points
15-Year Refi
15-year fixed refinance
0% Down740 FICO15-yr
6.170%
6.209% APR
$2,407
Principal & Interest
$0 Points
VA Cash-Out
VA cash-out refinance
0% Down640 FICO30-yr
6.422%
6.790% APR
$2,527
Principal & Interest
$0 Points
VA IRRRL
VA streamline refinance
0% Down640 FICO30-yr
6.427%
6.574% APR
$2,311
Principal & Interest
$0 Points
Rate/Term Refi
Conventional rate/term refinance
0% Down740 FICO30-yr
6.850%
6.876% APR
$1,849
Principal & Interest
$0 Points
Cash-Out Refi
Conventional cash-out refinance
0% Down740 FICO30-yr
7.407%
7.434% APR
$2,241
Principal & Interest
$0 Points

Mortgage Rates in Palo Pinto County: Local Market Snapshot

Median Home Value
$223,100
2-Yr Appreciation
10.8%
increase
Median Income
$68,662
household
Price-to-Income
3.2x
within reach

Rates updated daily via Safe Rate's pricing engine using live investor rate sheets, calibrated to Palo Pinto County's local loan limits and FHFA market data. Your actual rate depends on credit score, down payment, and lender.

Frequently Asked Questions

Market Snapshot

FIPS 48363
Average Home Value
$223,100
Average Rent
$1,095/mo
Average Income
$68,662
Property Tax
$2,484/yr
Avg Loan
$282,151
Avg LTV
69.8%

Estimated Insurance

Homeowners Insurance
HO-3 policy · covers dwelling, property & liability
$128/mo
Flood Insurance$47/mo
Risk TierModerate
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Rates are representative estimates using base pricing sourced from national wholesale lenders. Safe Rate Mortgage is a broker driven platform. Estimated rates incorporate 1.40% lender paid compensation (minimum $2,000, maximum $4,000). At initial launch, no compensation occurs. Demographic and housing data sourced from public HUD and FHFA datasets.