Commercial Loan Direct (CLD) provides commercial real estate loans in Texas. Current commercial loan rates in Texas range from 5.05% to 12.75% depending on the loan program.
Texas Commercial Loan Rates
| Loan Types | Rates | LTV | Loan Amount | Occupancy |
|---|---|---|---|---|
| Conventional | 5.31% - 8.75% | 80% | $1,000,000+ | Investment + Owner Occupied |
| Conduit / CMBS | 6.12% - 7.96% | 75% | $2,000,000+ | Investment |
| Insurance | 5.62% - 8.77% | 75% | $5,000,000+ | Investment + Owner Occupied |
| FHA / HUD | 5.05% - 6.4% | 83.3% | $5,000,000+ | Investment |
| USDA | 6% - 8.75% | 85% | $1,000,000+ | Investment + Owner Occupied |
| Bridge | 5.75% - 12.75% | 80% | $1,500,000+ | Investment |
| Construction | 5.5% - 8.75% | 83.3% | $1,000,000+ | Investment |
| SBA | 5.75% - 8.75% | 85% - 90% | $1,000,000+ | Owner Occupied |
For more in-depth commercial interest rates, please visit our Commercial Loan Rates page. If you are looking to finance or refinance a multifamily property, please visit our Texas multifamily loans page.
Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.
Ready to Get a Commercial Loan Quote in Texas?
Texas Interest Rates starting at 5.05%. Tell us about your property and financing goals. We will match your request with lending options based on program fit and current market conditions.
Get a QuoteTypes of Commercial Loans in Texas
Investment Property Mortgages
The types of mortgages available for these types of properties are Conventional, CMBS / Conduit, Insurance, and Agency (FHA / HUD and USDA) products. Bridge and/or Construction mortgages are also available on a case-by-case basis in order to reposition, stabilize or construct buildings. Commercial real estate investment properties can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospitals), hospitality, (hotel, motel, resort), and mixed use.
Owner Occupied Commercial Mortgages
Owner-Occupied commercial real estate properties in which the owner occupies at least 50% of the premises and can include office, retail, industrial/warehouse, self-storage, healthcare (medical office, skilled nursing facility, memory care, hospital), hospitality (hotel, motel, resort), mixed use, or any other type of commercial property. The types of mortgages available for owner-occupied buildings include Conventional, Insurance, and Agency programs including FHA / HUD, SBA, and USDA. Construction mortgages are also available on a case-by-case basis in order to develop or reposition a property for the owner's use.
Commercial loan landscape in Texas (high-level snapshot)
Texas has one of the largest and most competitive commercial lending markets in the U.S. Capital is widely available, but underwriting has become more disciplined. Lenders are still active, yet approvals hinge on cash-flow durability, realistic leverage, and clear exit or refinance paths. Texas remains a growth market, but lenders are no longer underwriting purely on population or job growth narratives.
What lenders are most comfortable financing
Industrial and logistics continue to be the most lender-favored asset class across Texas, particularly in Dallas–Fort Worth, Houston, and major distribution corridors. Modern facilities with strong tenants and long lease terms are the easiest to finance.
Owner-occupied properties are consistently attractive to banks and credit unions, especially when the operating business has stable historical cash flow and experienced ownership.
Stabilized multifamily can still finance, but lenders are more conservative than in prior years due to recent supply pressure. Well-located, workforce-oriented properties tend to underwrite better than luxury Class A projects.
Service-based and necessity retail (medical, grocery-adjacent, personal services) remain financeable when occupancy and tenant quality are strong.
Where underwriting gets tougher
Office is the most challenged asset class statewide. Even in major metros, lenders require lower leverage, strong pre-leasing, and top-tier locations. Suburban and older office buildings face significant resistance.
New-construction multifamily and heavy value-add deals are underwritten cautiously due to elevated supply in certain metros and slower rent growth.
Refinances can be difficult when prior loans were originated at very low rates and current cash flow struggles to support higher debt service.
Market-by-market dynamics (how lenders tend to think)
Dallas–Fort Worth: One of the deepest lender pools in the country. Industrial is strongest, multifamily is selective, and office is heavily scrutinized.
Houston: Diverse economy supports lending across asset types, but energy exposure and insurance costs factor into underwriting.
Austin: Long-term growth narrative remains positive, but lenders are cautious on office and high-end multifamily after rapid prior expansion.
San Antonio and secondary metros: Generally viewed as stable and affordable, though lenders may cap leverage slightly lower due to perceived liquidity risk.
Who is lending in Texas (and what that means for terms)
Regional and national banks are very active and competitive, particularly for relationship-driven borrowers and stabilized assets.
Credit unions can offer attractive terms for owner-occupied and small-to-mid balance loans.
Life companies and institutional lenders target large, high-quality assets with long-term income visibility.
Debt funds and non-bank lenders provide flexibility for transitional deals or higher leverage needs, typically at higher cost.
Key underwriting themes unique to Texas
Insurance costs (especially in coastal and hail-prone regions) are a growing underwriting focus and can materially affect DSCR.
Tax and assessment volatility is closely reviewed; lenders stress expenses to ensure cash flow durability.
Sponsor strength and liquidity matter significantly, particularly for larger loans or transitional assets.
What “good” looks like to a Texas lender right now
A strong Texas loan request usually features conservative leverage, documented historical NOI, stable tenancy, and experienced sponsorship.
Deals that rely on aggressive rent growth, short-term exits, or optimistic absorption assumptions tend to struggle.
Bottom line
Texas remains a capital-abundant but underwriting-driven market. Industrial and owner-occupied deals are the easiest paths to financing, while office and supply-heavy multifamily segments face tighter terms.
Locations Served in Texas
We are proud to be serving the state of Texas. Here are our commercial loan statistics for this state.
252
Lending Cities
Commercial loan direct provides services in the following Texas cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale.
- Abernathy
- Abilene
- Abram
- Addison
- Agua Dulce
- Alamo
- Alamo Heights
- Albany
- Aldine
- Aledo
- Alice
- Alief
- Allen
- Alpine
- Alto
- Alton
- Alton North (historical)
- Alvarado
- Alvin
- Alvord
- Amarillo
- Ames
- Anahuac
- Anderson
- Anderson County
- Anderson Mill
- Andrews
- Andrews County
- Angelina County
- Angleton
- Anna
- Annetta
- Anson
- Anthony
- Anton
- Aransas County
- Aransas Pass
- Archer City
- Archer County
- Arcola
- Argyle
- Arlington
- Armstrong County
- Asherton
- Aspermont
- Atascocita
- Atascosa County
- Athens
- Atlanta
- Aubrey
- Aurora
- Austin
- Austin County
- Azle
- Bacliff
- Bailey County
- Baird
- Balch Springs
- Balcones Heights
- Ballinger
- Bandera
- Bandera County
- Bangs
- Barrett
- Bartlett
- Barton Creek
- Bartonville
- Bastrop
- Bastrop County
- Batesville
- Bay City
- Baylor County
- Bayou Vista
- Baytown
- Beach City
- Beaumont
- Bedford
- Bee Cave
- Bee County
- Beeville
- Bell County
- Bellaire
- Bellmead
- Bells
- Bellville
- Belton
- Benavides
- Benbrook
- Benjamin
- Berryville
- Bertram
- Beverly
- Beverly Hills
- Bevil Oaks
- Bexar County
- Big Lake
- Big Sandy
- Big Spring
- Bishop
- Blanco
- Blanco County
- Bloomington
- Blossom
- Blue Mound
- Boerne
- Bogata
- Boling
- Bolivar Peninsula
- Bonham
- Booker
- Borden County
- Borger
- Bosque County
- Bovina
- Bowie
- Bowie County
- Boyd
- Brackettville
- Brady
- Brazoria
- Brazoria County
- Brazos County
- Breckenridge
- Brenham
- Brewster County
- Briar
- Briarcliff
- Bridge City
- Bridgeport
- Briscoe County
- Brooks County
- Brookshire
- Brookside Village
- Brown County
- Brownfield
- Brownsboro
- Brownsville
- Brownwood
- Bruceville-Eddy
- Brushy Creek
- Bryan
- Buchanan Dam
- Buda
- Buffalo
- Bullard
- Bulverde
- Buna
- Bunker Hill Village
- Burkburnett
- Burleson
- Burleson County
- Burnet
- Burnet County
- Bushland
- Cactus
- Caddo Mills
- Caldwell
- Caldwell County
- Calhoun County
- Callahan County
- Calvert
- Cameron
- Cameron County
- Cameron Park
- Cameron Park Colonia
- Camp County
- Camp Swift
- Canadian
- Canton
- Canutillo
- Canyon
- Canyon Lake
- Carrizo Springs
- Carrollton
- Carson County
- Carthage
- Cass County
- Castle Hills
- Castro County
- Castroville
- Cedar Hill
- Cedar Park
- Celina
- Center
- Centerville
- Central Gardens
- César Chávez
- Chambers County
- Chandler
- Channelview
- Channing
- Charlotte
- Cherokee County
- Chico
- Childress
- Childress County
- China
- China Grove
- Cibolo
- Cienegas Terrace
- Cinco Ranch
- Circle D-KC Estates
- Cisco
- Citrus City
- Clarendon
- Clarksville
- Claude
- Clay County
- Clear Lake Shores
- Cleburne
- Cleveland
- Clifton
- Clint
- Cloverleaf
- Clute
- Clyde
- Cochran County
- Cockrell Hill
- Coke County
- Coldspring
- Coleman
- Coleman County
- College Station
- Colleyville
- Collin County
- Collingsworth County
- Collinsville
- Colorado City
- Colorado County
- Columbus
- Comal County
- Comanche
- Comanche County
- Combes
- Combine
- Comfort
- Commerce
- Concho County
- Conroe
- Converse
- Cooke County
- Cooper
- Coppell
- Copper Canyon
- Copperas Cove
- Corinth
- Corpus Christi
- Corrigan
- Corsicana
- Coryell County
- Cottle County
- Cottonwood Shores
- Cotulla
- Crandall
- Crane
- Crane County
- Crockett
- Crockett County
- Crosby
- Crosby County
- Crosbyton
- Cross Mountain
- Crowell
- Crowley
- Crystal City
- Cuero
- Culberson County
- Cut and Shoot
- Cypress
- Daingerfield
- Dalhart
- Dallam County
- Dallas
- Dallas County
- Dalworthington Gardens
- Danbury
- Dawson County
- Dayton
- De Kalb
- De Leon
- Deaf Smith County
- Decatur
- DeCordova
- Deer Park
- Del Rio
- Delta County
- Denison
- Denton
- Denton County
- Denver City
- DeSoto
- Devine
- Deweyville
- DeWitt County
- Diboll
- Dickens
- Dickens County
- Dickinson
- Dilley
- Dimmit County
- Dimmitt
- Doffing
- Donley County
- Donna
- Doolittle
- Double Oak
- Dripping Springs
- Dublin
- Dumas
- Duncanville
- Duval County
- Eagle Lake
- Eagle Mountain
- Eagle Pass
- Early
- Earth
- East Bernard
- Eastland
- Eastland County
- Ector County
- Edcouch
- Eden
- Edgecliff Village
- Edgewood
- Edinburg
- Edna
- Edwards County
- Eidson Road
- El Campo
- El Cenizo
- El Lago
- El Paso
- El Paso County
- Eldorado
- Electra
- Elgin
- Elkhart
- Ellis County
- Elm Creek
- Elmendorf
- Elsa
- Emory
- Encantada-Ranchito-El Calaboz
- Ennis
- Erath County
- Escobares
- Euless
- Evadale
- Everman
- Fabens
- Fair Oaks Ranch
- Fairchilds
- Fairfield
- Fairview
- Falcon Lake Estates
- Falfurrias
- Falls County
- Fannett
- Fannin County
- Farmers Branch
- Farmersville
- Farwell
- Fate
- Fayette County
- Ferris
- Fifth Street
- Fisher County
- Flatonia
- Florence
- Floresville
- Flower Mound
- Floyd County
- Floydada
- Foard County
- Forest Hill
- Forney
- Fort Bend County
- Fort Bliss
- Fort Clark Springs
- Fort Davis
- Fort Hancock
- Fort Hood
- Fort Stockton
- Fort Worth
- Four Corners
- Franklin
- Franklin County
- Frankston
- Fredericksburg
- Freeport
- Freer
- Freestone County
- Fresno
- Friendswood
- Frio County
- Friona
- Frisco
- Fritch
- Fulshear
- Fulton
- Gail
- Gaines County
- Gainesville
- Galena Park
- Galveston
- Galveston County
- Ganado
- Garden City
- Garden Ridge
- Gardendale
- Garfield
- Garland
- Garza County
- Gatesville
- George West
- Georgetown
- Geronimo
- Gholson
- Giddings
- Gillespie County
- Gilmer
- Gladewater
- Glasscock County
- Glen Rose
- Glenn Heights
- Godley
- Goldthwaite
- Goliad
- Goliad County
- Gonzales
- Gonzales County
- Gorman
- Graham
- Granbury
- Grand Prairie
- Grand Saline
- Grandview
- Granger
- Granite Shoals
- Grape Creek
- Grapeland
- Grapevine
- Gray County
- Grayson County
- Greatwood
- Green Valley Farms
- Greenville
- Gregg County
- Gregory
- Grimes County
- Groesbeck
- Groves
- Groveton
- Gruver
- Guadalupe County
- Gun Barrel City
- Gunter
- Guthrie
- Hackberry
- Hale Center
- Hale County
- Hall County
- Hallettsville
- Hallsville
- Haltom City
- Hamilton
- Hamilton County
- Hamlin
- Hansford County
- Hardeman County
- Hardin County
- Harker Heights
- Harlingen
- Harper
- Harris County
- Harrison County
- Hart
- Hartley County
- Haskell
- Haskell County
- Haslet
- Hawkins
- Hays County
- Hearne
- Heath
- Hebbronville
- Hedwig Village
- Heidelberg
- Helotes
- Hemphill
- Hemphill County
- Hempstead
- Henderson
- Henderson County
- Henrietta
- Hereford
- Hewitt
- Hickory Creek
- Hico
- Hidalgo
- Hidalgo County
- Hideaway
- Highland Park
- Highland Village
- Highlands
- Hill Country Village
- Hill County
- Hillsboro
- Hilltop Lakes
- Hitchcock
- Hockley County
- Holiday Lakes
- Holland
- Holliday
- Holly Lake Ranch
- Hollywood Park
- Homestead Meadows North
- Homestead Meadows South
- Hondo
- Honey Grove
- Hood County
- Hooks
- Hopkins County
- Horizon City
- Hornsby Bend
- Horseshoe Bay
- Houston
- Houston County
- Howard County
- Howe
- Hubbard
- Hudson
- Hudson Bend
- Hudson Oaks
- Hudspeth County
- Hughes Springs
- Humble
- Hunt County
- Hunters Creek Village
- Huntington
- Huntsville
- Hurst
- Hutchins
- Hutchinson County
- Hutto
- Idalou
- Indian Hills
- Inez
- Ingleside
- Ingram
- Iowa Colony
- Iowa Park
- Iraan
- Irion County
- Irving
- Italy
- Itasca
- Jacinto City
- Jack County
- Jacksboro
- Jackson County
- Jacksonville
- Jamaica Beach
- Jarrell
- Jasper
- Jasper County
- Jayton
- Jeff Davis County
- Jefferson
- Jefferson County
- Jersey Village
- Jewett
- Jim Hogg County
- Jim Wells County
- Johnson City
- Johnson County
- Jollyville
- Jones County
- Jones Creek
- Jonestown
- Josephine
- Joshua
- Jourdanton
- Junction
- Justin
- Karnes City
- Karnes County
- Katy
- Kaufman
- Kaufman County
- Keene
- Keller
- Kemah
- Kemp
- Kempner
- Kendall County
- Kenedy
- Kenedy County
- Kennedale
- Kent County
- Kerens
- Kermit
- Kerr County
- Kerrville
- Kilgore
- Killeen
- Kimble County
- King County
- Kingsland
- Kingsville
- Kingwood Area
- Kinney County
- Kirby
- Kirbyville
- Kleberg County
- Knox City
- Knox County
- Kountze
- Krugerville
- Krum
- Kyle
- La Blanca
- La Coste
- La Feria
- La Grange
- La Grulla
- La Homa
- La Joya
- La Marque
- La Paloma
- La Porte
- La Pryor
- La Salle County
- La Vernia
- La Villa
- Lackland Air Force Base
- Lacy-Lakeview
- Lago Vista
- Laguna Heights
- Laguna Park
- Laguna Vista
- Lake Brownwood
- Lake Dallas
- Lake Dunlap
- Lake Jackson
- Lake Kiowa
- Lake Worth
- Lakehills
- Lakeside
- Lakeway
- Lamar County
- Lamb County
- Lamesa
- Lampasas
- Lampasas County
- Lancaster
- Lantana
- Laredo
- Las Lomas
- Las Palmas II
- Las Quintas Fronterizas
- Las Quintas Fronterizas Colonia
- Lasara
- Laughlin Air Force Base
- Laureles
- Lavaca County
- Lavon
- League City
- Leakey
- Leander
- Lee County
- Leon County
- Leon Valley
- Leonard
- Levelland
- Lewisville
- Lexington
- Liberty
- Liberty City
- Liberty County
- Liberty Hill
- Limestone County
- Lindale
- Linden
- Lindsay
- Lipscomb County
- Little Elm
- Little River-Academy
- Littlefield
- Live Oak
- Live Oak County
- Livingston
- Llano
- Llano County
- Llano Grande
- Lockhart
- Lockney
- Lone Star
- Longview
- Lopezville
- Lorena
- Lorenzo
- Los Fresnos
- Los Indios
- Lost Creek
- Loving County
- Lowry Crossing
- Lubbock
- Lubbock County
- Lucas
- Lufkin
- Luling
- Lumberton
- Lyford
- Lynn County
- Lytle
- Mabank
- Madison County
- Madisonville
- Magnolia
- Malakoff
- Manchaca
- Manor
- Mansfield
- Manvel
- Marble Falls
- Marfa
- Marion
- Marion County
- Markham
- Marlin
- Marshall
- Mart
- Martin County
- Martindale
- Mason
- Mason County
- Matador
- Matagorda County
- Mathis
- Maud
- Mauriceville
- Maverick County
- McAllen
- McCamey
- McCulloch County
- McGregor
- McKinney
- McLendon-Chisholm
- McLennan County
- McMullen County
- McQueeney
- Meadowlakes
- Meadows Place
- Medina
- Medina County
- Melissa
- Memphis
- Menard
- Menard County
- Mentone
- Mercedes
- Meridian
- Merkel
- Mertzon
- Mesquite
- Mexia
- Miami
- Midland
- Midland County
- Midlothian
- Midway North
- Midway South
- Mila Doce
- Milam
- Milam County
- Mills County
- Mineola
- Mineral Wells
- Mission
- Mission Bend
- Missouri City
- Mitchell County
- Monahans
- Mont Belvieu
- Montague
- Montague County
- Monte Alto
- Montgomery County
- Moody
- Moore County
- Morgans Point Resort
- Morris County
- Morton
- Motley County
- Mount Pleasant
- Mount Vernon
- Muenster
- Muleshoe
- Munday
- Muniz
- Murillo Colonia
- Murphy
- Nacogdoches
- Nacogdoches County
- Naples
- Nash
- Nassau Bay
- Natalia
- Navarro County
- Navasota
- Nederland
- Needville
- Nevada
- New Boston
- New Braunfels
- New Summerfield
- New Territory
- New Waverly
- Newark
- Newton
- Newton County
- Nixon
- Nocona
- Nolan County
- Nolanville
- North Alamo
- North Richland Hills
- Northcliff
- Northcrest
- Northlake
- Nueces County
- Nurillo
- Oak Cliff Place
- Oak Leaf
- Oak Point
- Oak Ridge North
- Oak Trail Shores
- Ochiltree County
- Odem
- Odessa
- Old River-Winfree
- Oldham County
- Olivarez
- Olmito
- Olmos Park
- Olney
- Olton
- Onalaska
- Onion Creek
- Orange
- Orange County
- Orange Grove
- Ore City
- Overton
- Ovilla
- Oyster Creek
- Ozona
- Paducah
- Paint Rock
- Palacios
- Palestine
- Palm Valley
- Palmer
- Palmhurst
- Palmview
- Palmview South
- Palo Pinto
- Palo Pinto County
- Paloma Creek
- Paloma Creek South
- Pampa
- Panhandle
- Panola County
- Panorama Village
- Pantego
- Paris
- Parker
- Parker County
- Parmer County
- Pasadena
- Patton Village
- Pearland
- Pearsall
- Pecan Acres
- Pecan Grove
- Pecan Plantation
- Pecos
- Pecos County
- Pelican Bay
- Penitas
- Perezville
- Perryton
- Petersburg
- Pflugerville
- Pharr
- Pilot Point
- Pine Island
- Pinehurst
- Pinewood Estates
- Piney Point Village
- Pittsburg
- Plains
- Plainview
- Plano
- Pleak
- Pleasanton
- Plum Grove
- Polk County
- Ponder
- Port Aransas
- Port Arthur
- Port Isabel
- Port Lavaca
- Port Neches
- Port O'Connor
- Porter Heights
- Portland
- Post
- Poteet
- Poth
- Potosi
- Potter County
- Pottsboro
- Powderly
- Prairie View
- Premont
- Presidio
- Presidio County
- Preston
- Primera
- Princeton
- Progreso
- Prosper
- Providence
- Quail Creek
- Quanah
- Queen City
- Quinlan
- Quitman
- Rains County
- Ralls
- Rancho Alegre
- Rancho Viejo
- Randall County
- Ranger
- Rankin
- Ransom Canyon
- Raymondville
- Reagan County
- Real County
- Red Lick
- Red Oak
- Red River County
- Redland
- Redwater
- Redwood
- Reeves County
- Refugio
- Refugio County
- Rendon
- Reno
- Rhome
- Ricardo
- Richardson
- Richland Hills
- Richmond
- Richwood
- Riesel
- Rio Bravo
- Rio Grande City
- Rio Hondo
- River Oaks
- Roanoke
- Robert Lee
- Roberts County
- Robertson County
- Robinson
- Robstown
- Roby
- Rockdale
- Rockport
- Rocksprings
- Rockwall
- Rockwall County
- Rogers
- Rollingwood
- Roma
- Roma-Los Saenz
- Roman Forest
- Roscoe
- Rosebud
- Rosenberg
- Rosharon
- Rosita North
- Rosita South
- Rotan
- Round Rock
- Rowlett
- Royse City
- Runaway Bay
- Runge
- Runnels County
- Rusk
- Rusk County
- Sabinal
- Sabine County
- Sachse
- Saginaw
- Saint Hedwig
- Saint Jo
- Saint Paul
- Salado
- Sam Rayburn
- San Angelo
- San Antonio
- San Augustine
- San Augustine County
- San Benito
- San Carlos
- San Diego
- San Elizario
- San Jacinto County
- San Juan
- San Leon
- San Marcos
- San Patricio County
- San Saba
- San Saba County
- Sanderson
- Sanger
- Sansom Park
- Santa Anna
- Santa Fe
- Santa Rosa
- Sarita
- Savannah
- Scenic Oaks
- Schertz
- Schleicher County
- Schulenburg
- Scissors
- Scurry County
- Seabrook
- Seadrift
- Seagoville
- Seagraves
- Sealy
- Sebastian
- Seguin
- Selma
- Seminole
- Serenada
- Seth Ward
- Seven Points
- Seymour
- Shackelford County
- Shady Hollow
- Shady Shores
- Shallowater
- Shamrock
- Shavano Park
- Shelby County
- Sheldon
- Shenandoah
- Shepherd
- Sherman
- Sherman County
- Sherwood Shores
- Shiner
- Shoreacres
- Sienna Plantation
- Sierra Blanca
- Siesta Acres
- Siesta Shores
- Silsbee
- Silverton
- Sinton
- Slaton
- Smith County
- Smithville
- Snyder
- Socorro
- Socorro Mission Number 1 Colonia
- Somerset
- Somervell County
- Somerville
- Sonora
- Sour Lake
- South Alamo
- South Houston
- South Padre Island
- South Point
- Southlake
- Southmayd
- Southside Place
- Sparks
- Spearman
- Splendora
- Spring
- Spring Valley
- Springtown
- Spur
- Stafford
- Stamford
- Stanton
- Starr County
- Stephens County
- Stephenville
- Sterling City
- Sterling County
- Stinnett
- Stockdale
- Stonewall County
- Stowell
- Stratford
- Sugar Land
- Sullivan City
- Sulphur Springs
- Sundown
- Sunnyvale
- Sunray
- Sutton County
- Sweeny
- Sweetwater
- Swisher County
- Taft
- Taft Southwest (historical)
- Tahoka
- Talty
- Tarrant County
- Tatum
- Taylor
- Taylor County
- Taylor Lake Village
- Teague
- Temple
- Tenaha
- Terrell
- Terrell County
- Terrell Hills
- Terry County
- Texarkana
- Texas City
- The Colony
- The Hills
- The Woodlands
- Thorndale
- Three Rivers
- Throckmorton
- Throckmorton County
- Tiki Island
- Tilden
- Timberwood Park
- Timpson
- Titus County
- Tom Bean
- Tom Green County
- Tomball
- Tool
- Tornillo
- Travis County
- Travis Ranch
- Trinity
- Trinity County
- Trophy Club
- Troup
- Troy
- Tulia
- Tye
- Tyler
- Tyler County
- Uhland
- Universal City
- University Park
- Upshur County
- Upton County
- Uvalde
- Uvalde County
- Uvalde Estates
- Val Verde County
- Val Verde Park
- Valley Mills
- Van
- Van Alstyne
- Van Horn
- Van Vleck
- Van Zandt County
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- Vernon
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- Victoria County
- Vidor
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- Von Ormy
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- Wake Village
- Walker County
- Waller
- Waller County
- Wallis
- Ward County
- Washington County
- Waskom
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- Weatherford
- Webb County
- Webster
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- Weslaco
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- West Sharyland
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- West University Place
- Western Lake
- Westlake
- Weston Lakes
- Westway
- Westworth
- Wharton
- Wharton County
- Wheeler
- Wheeler County
- White Oak
- White Settlement
- Whitehouse
- Whitesboro
- Whitewright
- Whitney
- Wichita County
- Wichita Falls
- Wilbarger County
- Wild Peach Village
- Wildwood
- Willacy County
- Williamson County
- Willis
- Willow Park
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- Wilmer
- Wilson County
- Wimberley
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- Windemere
- Wink
- Winkler County
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- Wortham
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- Yoakum County
- Yorktown
- Young County
- Zapata
- Zapata County
- Zavala County
