What is the Texas post-judgment interest rate for November 2026?

7.00% a year, the prime rate the Consumer Credit Commissioner determined on 15 October 2026.

Is there a minimum Texas judgment rate?

Yes. It is never below 5% or above 15%, whatever the prime rate.

How is Texas prejudgment interest calculated?

At the post-judgment rate at the time of judgment, as simple interest, from the earlier of 180 days after written notice of the claim or the filing of suit, to the day before judgment.

Does Texas post-judgment interest change after judgment?

No. The rate for the month the judgment is signed stays for the life of the judgment.

Does post-judgment interest run on costs in Texas?

Yes. Section 304.003 applies it to the money judgment including court costs and prejudgment interest.

What rate applies to a judgment on a contract?

The contract rate, but no more than 18% a year (Finance Code 304.002).

Built by Unison Labs

Texas post-judgment interest rate and calculator

The monthly rate under Texas Finance Code 304.003, filled in. Enter the judgment and the dates for post-judgment or prejudgment interest.

Texas judgment interest

Amount ($)Rate (%)

Judgment date

Paid on

Rate

Interest

Interest for 364 days

$3,490.41

Per day$9.59

Judgment plus interest$53,490.41

Texas: 7%, Tex. Fin. Code 304.002, 304.003. Source: Office of Consumer Credit Commissioner: 7.00% for November 2026 (as of 9 November 2026). Interest is counted on a 365-day year. Not legal advice: confirm the rate in the judgment.

Texas post-judgment interest rates

The rate the Consumer Credit Commissioner set for judgments in each month of 2026. Choose one to use it in the calculator.

Texas judgment interest rates
Applies to	Rate	Source
	7.00%	Office of Consumer Credit Commissioner, interest rates page
	6.75%	OCCC post-judgment rate history and notices
Judgments signed in December 2025	7.00%	OCCC post-judgment rate history

How Texas sets the rate

On the 15th of each month the Consumer Credit Commissioner takes the prime rate published by the Federal Reserve and sets it as the post-judgment rate for judgments signed the following month, with a floor of 5% and a ceiling of 15% (Finance Code 304.003). Prime rose to 7.00% on 17 September 2026, so judgments in October still took 6.75% and November judgments take 7.00%.

The rate is fixed by the month of the judgment and does not change afterwards. Post-judgment interest runs on the whole money judgment, including court costs and prejudgment interest, and is simple. A judgment on a contract that sets a rate carries the lesser of that rate or 18% (304.002).

Texas prejudgment interest

In wrongful death, personal injury and property damage cases, prejudgment interest runs at the post-judgment rate in force when judgment is rendered (304.103). It accrues from the earlier of the 180th day after the defendant received written notice of the claim or the day suit was filed, and ends the day before judgment (304.104). It is simple and does not compound, and none is awarded on future damages.

Example: written notice of the claim received on 1 November 2024 and suit filed on 1 August 2025, so interest starts on 30 April 2025, the 180th day after notice. Judgment signed 16 November 2026 for $200,000 at 7.00%: prejudgment interest runs 565 days to 15 November and comes to $21,671.23.

Using the calculator

For post-judgment interest, choose the month the judgment was signed and enter the judgment date and the payment date. For prejudgment interest, enter the day it starts as the judgment date and the day before judgment as the payment date. Rates for other states are in the judgment interest calculator for every state.