Texas judgment & prejudgment interest rates
Everything Texas charges in interest on a money judgment or an overdue debt, in one place — the rate after judgment and the rate before it, each verified against the statute and linked to its full page with sources, history, and carve-outs.
| Metric | Rate | Basis |
|---|---|---|
| Post-judgment interest | 6.75% | Set by statute |
| Prejudgment interest | 6.75% | Same rate as post-judgment |
Post-judgment interest
Texas's post-judgment interest rate is 6.75% per year. Texas post-judgment interest on most money judgments is the Federal Reserve prime rate, held within a 5% floor and 15% ceiling under Texas Finance Code §304.003 — currently 6.75%. The rate locks in when the judgment is entered and, unusually, compounds annually. Judgments on a contract that sets its own interest rate follow §304.002 instead (the contract rate, capped at 18%).
→ Full Texas post-judgment page — statute, effective-date history, and source.
Prejudgment interest
Texas's prejudgment interest rate is 6.75% per year (same rate as post-judgment). Texas applies the same rate to prejudgment interest as to post-judgment interest — currently 6.75% per year under Tex. Fin. Code Sec. 304.102. STATUTORY prejudgment interest (Tex. Fin. Code Subch. B) applies ONLY to wrongful death, personal injury, and property damage cases (Sec. 304.102).
→ Full Texas prejudgment page — when it applies, accrual, compounding, and carve-outs.
Frequently asked
What is the post-judgment interest rate in Texas?
As of July 1, 2026, the Texas post-judgment interest rate is 6.75% per year. Interest on Texas money judgments — tied to the prime rate.
What is the prejudgment interest rate in Texas?
Texas's prejudgment interest rate is 6.75% per year (same rate as post-judgment). STATUTORY prejudgment interest (Tex. Fin. Code Subch. B) applies ONLY to wrongful death, personal injury, and property damage cases (Sec. 304.102).
Is Texas judgment interest simple or compound, and when does it start?
See each rate's page for the exact compounding rule, accrual date, and statutory carve-outs — Texas prejudgment interest in particular turns on the type of claim.
Compare every state on the state interest-rate index and the prejudgment interest index, or run the numbers with our interest calculators. Reference data only — not legal advice.