2026 Texas judgment & prejudgment interest rates
Current 2026 snapshot: Texas post-judgment interest is 6.75% per year; the recorded prejudgment reference is 6.75% per year.
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 recorded with a cited source and linked to its full page with observations, scope, and known carve-outs.
| Metric | Rate or rule | Effective | Authority | Basis |
|---|---|---|---|---|
| Post-judgment interest | 6.75% | August 1, 2026 | Tex. Fin. Code §304.003 | Statutory formula / table |
| Prejudgment interest | 6.75% | August 1, 2026 | Tex. Fin. Code §§304.101–304.107 | 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%). This page includes every monthly OCCC rate from September 1983 through the latest published judgment month, including months when the rate did not change.
→ Full Texas post-judgment page — Tex. Fin. Code §304.003, effective-date history, scope, and official 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 — Tex. Fin. Code §§304.101–304.107, when it applies, accrual, compounding, and carve-outs.
Frequently asked
What is the post-judgment interest rate in Texas?
As of August 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?
Post-judgment interest compounds annually under §304.006. The rate itself remains the OCCC rate assigned to the calendar month in which the judgment was rendered. Under §304.005, interest generally runs from the date the judgment is rendered through the date it is satisfied. A granted extension of time for a trial claimant to file an appellate brief pauses accrual for that extension period.
Cite this page
StatuteRates. “Texas Judgment & Prejudgment Interest Rates.” StatuteRates.com. Accessed today. https://statuterates.com/states/texas/ Each rate includes a cited source and recorded effective date; confirm the controlling authority before use.
Compare every state on the state interest-rate index and the prejudgment interest index, or enter a confirmed rate in the judgment interest and per-diem calculator. Reference data only — not legal advice.