Texas judgment interest rate: 7.00%
The Texas postjudgment interest rate for November 2026 is 7.00%. Add 5% and you have the §542.060(c) floating rate on weather insurance claims: 12.00%. Look up any month since 1983.
Texas §304.003 rate, 2005–2026
Solid line: postjudgment rate. Dashed: the §542.060(c) weather-claim rate it produces (from September 2017).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 6.75 | 6.75 | 6.75 | 6.75 | 6.75 | 6.75 | 6.75 | 6.75 | 6.75 | 6.75 | 7.00 | |
| 2025 | 7.75 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.50 | 7.25 | 7.00 |
| 2024 | 8.50 | 8.50 | 8.50 | 8.50 | 8.50 | 8.50 | 8.50 | 8.50 | 8.50 | 8.50 | 8.00 | 7.75 |
| 2023 | 7.50 | 7.50 | 7.75 | 7.75 | 8.00 | 8.25 | 8.25 | 8.25 | 8.50 | 8.50 | 8.50 | 8.50 |
| 2022 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.50 | 5.50 | 6.25 | 7.00 |
| 2021 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2020 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2019 | 5.25 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.50 | 5.25 | 5.25 | 5.00 | 5.00 |
| 2018 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.25 | 5.25 |
| 2017 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2016 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2015 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2014 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2013 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2012 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2011 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2010 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2009 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2008 | 7.25 | 7.25 | 6.00 | 6.00 | 5.25 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| 2007 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 | 7.75 | 7.50 |
| 2006 | 7.25 | 7.25 | 7.50 | 7.50 | 7.75 | 8.00 | 8.00 | 8.25 | 8.25 | 8.25 | 8.25 | 8.25 |
| 2005 | 5.25 | 5.25 | 5.50 | 5.50 | 5.75 | 6.00 | 6.00 | 6.25 | 6.50 | 6.50 | 6.75 | 7.00 |
Source: Office of Consumer Credit Commissioner, Historical Table of Postjudgment Interest Rates (rev. 9/17/2026) and Texas Credit Letter of 10/21/2026. Earlier years (1983–2004) are in the lookup above. Always confirm against the OCCC’s current publication.
How the Texas judgment rate works
Finance Code §304.003 governs interest on Texas money judgments when the underlying contract doesn’t set a rate. On the 15th of each month the consumer credit commissioner determines the rate for judgments rendered in the following calendar month: the prime rate published by the Federal Reserve Board on that day, with a floor of 5% and a ceiling of 15%. The rate in effect when a judgment is signed stays with that judgment.
From mid-2008 until late 2018, prime sat below 5%, so the Texas rate stayed pinned at the 5% floor. It edged up to 5.50% in 2018–2019, fell back to the floor from November 2019 to August 2022, then climbed with the Federal Reserve’s increases to 8.50% from September 2023. It eased to 7.00% by December 2025, held at 6.75% for most of 2026 and is 7.00% for November 2026.
Why insurance claims care about this number
Since HB 1774 took effect on September 1, 2017, Insurance Code §542.060(c) sets prompt-payment interest on weather claims at the §304.003 rate “determined on the date of judgment” plus five percent. Because §304.003 runs from 5% to 15%, the weather-claim rate runs from 10% to 20%. Non-weather claims (and weather claims made before September 1, 2017) still carry a flat 18% under §542.060(a).
Two practical consequences:
- Before judgment the rate is an estimate. A demand letter or settlement uses the current month’s rate; a court uses the rate on the day it signs the judgment.
- The rate applies to the whole delay. It isn’t a blend of monthly rates over the period of delay; one rate applies to the whole accrual period.
Prejudgment interest in property damage cases also uses the postjudgment rate at the time of judgment (§304.103). For the accrual rules, see the Texas prejudgment interest guide.
Texas judgment interest rate questions
What is the Texas postjudgment interest rate right now?
For judgments rendered in November 2026 it is 7.00%, as published by the Office of Consumer Credit Commissioner. The previous month’s rate was 6.75%.
How is the Texas judgment interest rate set?
On the 15th of each month the consumer credit commissioner sets the rate for judgments rendered the following month. It equals the prime rate published by the Federal Reserve Board on that date, but never less than 5% or more than 15% (Finance Code §304.003).
What is the floating interest rate on a Texas weather insurance claim?
The §304.003 rate plus 5% (Insurance Code §542.060(c)). With the November 2026 rate at 7.00%, that is 12.00%. In a lawsuit the rate is the one in effect on the date of judgment.
Is prejudgment interest the same rate?
In wrongful death, personal injury and property damage cases, the prejudgment rate equals the postjudgment rate applicable at the time of judgment (Finance Code §304.103). See our prejudgment interest guide.
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Texas Finance Code ch. 304 accrual dates and interest for property damage claims.
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