The Latest Mortgage Rate Forecasts for Katy, TX and Greater Houston Area
Thinking about buying a home in Katy, TX, or the surrounding Houston areas like Fulshear or Brookshire? Understanding mortgage rates is key to making a smart move—and the latest forecasts are in.
Selling your Home or Buying A Home
Call 281-717-4412 or visit callmickiec.com
Mortgage Rates Expected To Stay in the 6% Range
According to trusted sources including Fannie Mae, MBA, and Wells Fargo, mortgage rates are projected to remain steady in the mid-6% range through early 2026. This means you likely won’t see a significant drop anytime soon—but you also won’t face a sudden spike.
Here’s what the latest 30-year fixed mortgage rate forecasts show:
| Quarter | Fannie Mae | MBA | Wells Fargo | Average |
|---|---|---|---|---|
| Q3 2025 | 6.60% | 6.80% | 6.65% | 6.68% |
| Q4 2025 | 6.50% | 6.70% | 6.55% | 6.58% |
| Q1 2026 | 6.30% | 6.60% | 6.50% | 6.47% |
| Q2 2026 | 6.20% | 6.60% | 6.50% | 6.43% |
What This Means for Homebuyers in Katy, Fulshear, Brookshire & Houston
If you’re waiting for rates to drop significantly before making your move in Katy, Fulshear, or West Houston, you may be waiting too long. As Yahoo Finance puts it:
“If you’re looking for a substantial interest rate drop in 2025, you’ll likely be left waiting.”
Rather than trying to time the market, the better strategy may be to act when the right home becomes available. With steady rates in the forecast, locking in a mortgage in the 6% range may still be a smart financial decision.
Local Focus: Katy TX, Fulshear, Brookshire, and Greater West Houston
Whether you’re shopping for a new home in Cinco Ranch, relocating to Fulshear, or investing in real estate in Brookshire, understanding local mortgage trends helps you make informed choices. With real estate demand growing across Fort Bend County, Austin County, and West Houston, securing a stable rate could mean thousands saved over time.
Ready to Explore Your Mortgage Options?
If you’re planning a move in the Katy, TX, Houston, Fulshear, or Brookshire areas, now is the time to connect with a local expert. Let’s talk about how these forecasts impact your buying power and create a plan tailored to your goals.
Contact us today to get personalized advice and stay ahead of market changes.
