Post-judgment interest by state · Texas
Texas · after judgment
Post-judgment interest in Texas
An unpaid Texas money judgment earns 6.75% a year unless the judgment or a contract says otherwise. On a $5,000.00 judgment that is $337.50 in the first year, about $0.92 a day.
How the rate is set
The prime rate as published by the Federal Reserve on the 15th of each month, applied to judgments rendered during the following month, with a floor of 5% and a ceiling of 15%. Compounded annually under §304.006.
- Statute or rule
- Tex. Fin. Code §304.003
- Figure read on 2026-10-23
- 6.75%
- Statute re-checked
- 2026-10-23
- Changes
- judgments rendered in October 2026
When a different rate applies
- A contract rate governs under §304.002.
Work out your own judgment
Texas is prefilled at 6.75%. Enter the amount and the date the judgment was entered. The calculator uses simple interest; Texas compounds annually, so a judgment older than a year has earned a little more than this shows.
How Texas's rate is set, and where it comes from
Uses simple interest at the rate you enter — pre-filled with each state's standard statutory rate, editable since some states publish a new rate quarterly or annually. Some states apply a different rate to specific debt types (noted above where it applies) or when a contract specifies its own rate. Informational only, not legal advice; confirm the current rate and any exceptions with your court clerk before relying on this figure.
The formula, worked
Last reviewed: October 2026
Interest = principal × rate × days ÷ 365. For $5,000.00 at 6.75%: $5,000.00 × 0.06750 × 365 ÷ 365 = $337.50 after one year, and $0.92 for each further day. Because Texas compounds annually, year two accrues on $5,337.50: $360.28.
What this page does not know
- The rate written on your judgment. If the court stated a rate, that one applies, whatever the default is today.
- Partial payments. Interest accrues only on what is still unpaid.
- Nothing about older judgments: Texas fixes the rate when the judgment is entered, so a judgment from an earlier period keeps that period's rate, not the one shown.
Informational only, not legal advice. Every figure is cited to the statute or the office that publishes it; confirm the current rate with the court clerk before relying on it.
Frequently asked questions
What is the post-judgment interest rate in Texas right now?
6.75% a year for an ordinary money judgment, for judgments rendered in October 2026, under Tex. Fin. Code §304.003.
How is the Texas rate set?
The prime rate as published by the Federal Reserve on the 15th of each month, applied to judgments rendered during the following month, with a floor of 5% and a ceiling of 15%. Compounded annually under §304.006.
Is it simple or compound interest?
Compound, added to the balance once a year, so the second year's interest is calculated on principal plus the first year's interest.
Can my Texas judgment carry a different rate?
Yes. A contract rate governs under §304.002. The judgment itself may also state a rate, and that controls.
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