Houston FHA Loan Rates, Closing Costs & Stats
HOUSTON-THE WOODLANDS-SUGAR LAND, TX
FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.
FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.
While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.
For additional requirements as defined by the FHA, click here.
Houston's 292 lenders originated 24,236 FHA loans during 2024. The total origination value was $7,267,990,000, with an average FHA loan value of $299,884.
Houston FHA Loans, 30 Year Fixed Rates
30 Year FHA mortgages in Houston
averaged
5.96%
for the week of 2025-04-04, compared to the national average (all FHA variants) of
6.259% for the same period.
Houston's average FHA mortgage closing costs are $9,521.
The average rate for the prior week (2025-03-28) was
6.26% and
one month ago for the week of 2025-02-28, the
average rate was 6.25%.
The average rate one year ago was 6.46%.
For refis of the same type during the week of 2025-04-04, the average rate
was 6.03%.
Houston FHA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Houston level.
The top Houston FHA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with
2,358 FHA loans originated. Their average total fees are
$9,119, which is $4,953
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Houston FHA lenders (with over 10 loans originated) are
INTELLILOAN, INC. ($6,398), DSLD MORTGAGE, LLC ($6,836), JPMorgan Chase Bank ($6,964), PULTE MORTGAGE LLC ($7,137) and FIRST CONTINENTAL MORTGAGE, LTD. ($7,398).
The lowest rate Houston FHA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.60%), DSLD MORTGAGE, LLC (4.72%), PULTE MORTGAGE LLC (4.94%), DHI MORTGAGE COMPANY, LTD. (4.94%) and INSPIRE HOME LOANS INC. (5.03%).
Houston FHA Loan Limits
| Metro | County | Year | Single Family Limit | 2 Family Limit | 3 Family Limit | 4 Family Limit |
|---|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | AUSTIN | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | BRAZORIA | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | CHAMBERS | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | FORT BEND | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | GALVESTON | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | HARRIS | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | LIBERTY | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | MONTGOMERY | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | WALLER | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | AUSTIN | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | BRAZORIA | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | CHAMBERS | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | FORT BEND | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | GALVESTON | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | HARRIS | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | LIBERTY | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | MONTGOMERY | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | WALLER | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Houston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $317,265 (2.7%) | $434,100 (2.9%) | 1.18 | 22,266 |
| 2018-02-01 | $320,412 (3.2%) | $441,180 (3.6%) | 1.16 | 22,196 |
| 2018-03-01 | $325,000 (2.8%) | $448,975 (3.5%) | 1.14 | 23,008 |
| 2018-04-01 | $328,498 (2.7%) | $455,783 (4.0%) | 1.11 | 24,958 |
| 2018-05-01 | $329,495 (3.0%) | $458,070 (4.6%) | 1.10 | 26,387 |
| 2018-06-01 | $328,993 (3.0%) | $455,241 (4.9%) | 1.10 | 27,819 |
| 2018-07-01 | $322,450 (2.4%) | $446,843 (4.7%) | 1.08 | 29,158 |
| 2018-08-01 | $318,900 (4.1%) | $439,322 (4.7%) | 1.07 | 29,577 |
| 2018-09-01 | $315,000 (2.7%) | $437,281 (3.3%) | 1.06 | 29,104 |
| 2018-10-01 | $311,239 (0.4%) | $436,000 (1.6%) | 1.05 | 28,840 |
| 2018-11-01 | $309,975 (-1.6%) | $436,231 (0.7%) | 1.05 | 28,281 |
| 2018-12-01 | $307,900 (-2.3%) | $432,185 (0.3%) | 1.06 | 27,179 |
| 2019-01-01 | $306,578 (-3.4%) | $430,842 (-0.8%) | 1.06 | 26,094 |
| 2019-02-01 | $310,000 (-3.3%) | $436,863 (-1.0%) | 1.05 | 26,367 |
| 2019-03-01 | $316,551 (-2.6%) | $447,379 (-0.4%) | 1.04 | 27,096 |
| 2019-04-01 | $322,450 (-1.8%) | $455,947 (0.0%) | 1.02 | 28,019 |
| 2019-05-01 | $324,728 (-1.5%) | $457,262 (-0.2%) | 1.01 | 29,109 |
| 2019-06-01 | $321,886 (-2.2%) | $453,532 (-0.4%) | 1.01 | 30,482 |
| 2019-07-01 | $316,750 (-1.8%) | $446,024 (-0.2%) | 0.99 | 31,339 |
| 2019-08-01 | $313,609 (-1.7%) | $443,347 (0.9%) | 0.99 | 30,746 |
| 2019-09-01 | $311,523 (-1.1%) | $441,707 (1.0%) | 1.00 | 29,942 |
| 2019-10-01 | $309,400 (-0.6%) | $440,614 (1.1%) | 1.00 | 29,223 |
| 2019-11-01 | $301,950 (-2.6%) | $439,613 (0.8%) | 0.99 | 28,339 |
| 2019-12-01 | $299,945 (-2.6%) | $437,381 (1.2%) | 1.00 | 26,526 |
| 2020-01-01 | $299,900 (-2.2%) | $438,646 (1.8%) | 1.00 | 25,174 |
| 2020-02-01 | $301,000 (-2.9%) | $443,793 (1.6%) | 0.99 | 25,238 |
| 2020-03-01 | $310,995 (-1.8%) | $452,319 (1.1%) | 0.97 | 26,050 |
| 2020-04-01 | $310,000 (-3.9%) | $448,202 (-1.7%) | 0.97 | 26,587 |
| 2020-05-01 | $319,000 (-1.8%) | $459,258 (0.4%) | 0.97 | 25,919 |
| 2020-06-01 | $324,999 (1.0%) | $476,774 (5.1%) | 0.96 | 23,911 |
| 2020-07-01 | $325,510 (2.8%) | $483,715 (8.5%) | 0.94 | 22,822 |
| 2020-08-01 | $329,000 (4.9%) | $491,230 (10.8%) | 0.94 | 21,928 |
| 2020-09-01 | $330,000 (5.9%) | $495,011 (12.1%) | 0.95 | 20,478 |
| 2020-10-01 | $330,000 (6.7%) | $493,834 (12.1%) | 0.95 | 19,832 |
| 2020-11-01 | $330,495 (9.5%) | $493,534 (12.3%) | 0.97 | 19,074 |
| 2020-12-01 | $329,000 (9.7%) | $491,334 (12.3%) | 0.98 | 17,689 |
| 2021-01-01 | $329,900 (10.0%) | $496,566 (13.2%) | 0.98 | 16,055 |
| 2021-02-01 | $332,495 (10.5%) | $506,256 (14.1%) | 0.97 | 14,173 |
| 2021-03-01 | $339,500 (9.2%) | $520,341 (15.0%) | 0.96 | 12,917 |
| 2021-04-01 | $349,250 (12.7%) | $536,706 (19.8%) | 0.95 | 12,240 |
| 2021-05-01 | $357,000 (11.9%) | $551,163 (20.0%) | 0.95 | 12,137 |
| 2021-06-01 | $364,700 (12.2%) | $552,699 (15.9%) | 0.96 | 13,482 |
| 2021-07-01 | $364,999 (12.1%) | $542,348 (12.1%) | 0.96 | 15,062 |
| 2021-08-01 | $361,062 (9.8%) | $525,178 (6.9%) | 0.96 | 16,415 |
| 2021-09-01 | $360,848 (9.4%) | $519,649 (5.0%) | 0.96 | 16,312 |
| 2021-10-01 | $359,900 (9.1%) | $517,026 (4.7%) | 0.96 | 15,721 |
| 2021-11-01 | $359,912 (8.9%) | $523,335 (6.0%) | 0.96 | 14,759 |
| 2021-12-01 | $359,750 (9.4%) | $520,614 (6.0%) | 0.97 | 13,500 |
| 2022-01-01 | $355,990 (7.9%) | $517,608 (4.2%) | 0.96 | 12,153 |
| 2022-02-01 | $360,760 (8.5%) | $528,836 (4.5%) | 0.94 | 11,116 |
| 2022-03-01 | $372,500 (9.7%) | $541,327 (4.0%) | 0.93 | 10,728 |
| 2022-04-01 | $389,000 (11.4%) | $556,779 (3.7%) | 0.93 | 11,057 |
| 2022-05-01 | $398,000 (11.5%) | $570,053 (3.4%) | 0.91 | 12,693 |
| 2022-06-01 | $398,478 (9.3%) | $559,992 (1.3%) | 0.89 | 14,951 |
| 2022-07-01 | $389,990 (6.9%) | $537,746 (-0.9%) | 0.88 | 18,511 |
| 2022-08-01 | $382,311 (5.9%) | $522,780 (-0.5%) | 0.88 | 20,221 |
| 2022-09-01 | $375,000 (3.9%) | $512,927 (-1.3%) | 0.88 | 20,541 |
| 2022-10-01 | $368,000 (2.3%) | $507,166 (-1.9%) | 0.87 | 20,934 |
| 2022-11-01 | $362,293 (0.7%) | $504,779 (-3.6%) | 0.87 | 21,322 |
| 2022-12-01 | $359,900 (0.0%) | $498,528 (-4.2%) | 0.89 | 20,174 |
| 2023-01-01 | $354,850 (-0.3%) | $494,234 (-4.5%) | 0.88 | 18,704 |
| 2023-02-01 | $357,528 (-0.9%) | $500,249 (-5.4%) | 0.86 | 17,890 |
| 2023-03-01 | $360,000 (-3.4%) | $506,078 (-6.5%) | 0.85 | 17,534 |
| 2023-04-01 | $370,000 (-4.9%) | $523,198 (-6.0%) | 0.86 | 17,266 |
| 2023-05-01 | $374,995 (-5.8%) | $526,343 (-7.7%) | 0.85 | 17,464 |
| 2023-06-01 | $376,525 (-5.5%) | $528,219 (-5.7%) | 0.85 | 18,581 |
| 2023-07-01 | $375,000 (-3.8%) | $526,830 (-2.0%) | 0.85 | 19,822 |
| 2023-08-01 | $374,244 (-2.1%) | $523,684 (0.2%) | 0.86 | 20,261 |
| 2023-09-01 | $369,900 (-1.4%) | $516,980 (0.8%) | 0.86 | 20,968 |
| 2023-10-01 | $367,995 (0.0%) | $511,815 (0.9%) | 0.87 | 21,924 |
| 2023-11-01 | $364,832 (0.7%) | $508,690 (0.8%) | 0.87 | 22,264 |
| 2023-12-01 | $359,900 (0.0%) | $503,186 (0.9%) | 0.88 | 21,529 |
| 2024-01-01 | $358,192 (0.9%) | $500,461 (1.3%) | 0.87 | 20,548 |
| 2024-02-01 | $359,900 (0.7%) | $505,413 (1.0%) | 0.87 | 20,803 |
| 2024-03-01 | $360,794 (0.2%) | $507,239 (0.2%) | 0.85 | 21,681 |
| 2024-04-01 | $369,000 (-0.3%) | $514,825 (-1.6%) | 0.86 | 22,848 |
| 2024-05-01 | $369,900 (-1.4%) | $513,464 (-2.5%) | 0.84 | 24,183 |
| 2024-06-01 | $369,900 (-1.8%) | $511,000 (-3.3%) | 0.84 | 25,992 |
| 2024-07-01 | $371,926 (-0.8%) | $511,770 (-2.9%) | 0.85 | 26,831 |
| 2024-08-01 | $374,999 (0.2%) | $508,899 (-2.8%) | 0.87 | 26,719 |
| 2024-09-01 | $369,998 (0.0%) | $502,928 (-2.7%) | 0.87 | 27,231 |
| 2024-10-01 | $369,250 (0.3%) | $498,435 (-2.6%) | 0.87 | 27,640 |
| 2024-11-01 | $365,000 (0.1%) | $492,641 (-3.2%) | 0.88 | 27,784 |
| 2024-12-01 | $360,509 (0.2%) | $486,314 (-3.4%) | 0.90 | 26,771 |
| 2025-01-01 | $359,000 (0.2%) | $482,841 (-3.5%) | 0.90 | 25,879 |
| 2025-02-01 | $358,000 (-0.5%) | $483,780 (-4.3%) | 0.87 | 26,655 |
| 2025-03-01 | $365,000 (1.2%) | $493,517 (-2.7%) | 0.00 | 28,302 |
Houston's median listing price comes in at 0% of the national average.
Houston's average listing price for 2025-03-01 was $493,517, a difference of $-13,722 (-2.7%) versus the prior year and $9,737 versus the prior month.
For the 2025-03-01 period, Houston had 28,302 MLS listings, a difference of 1,647 listings (6%) versus the prior month and 6,621 listings (31%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Houston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 73 days | 2,526 sqft |
| 2018-02-01 | 62 days | 2,528 sqft |
| 2018-03-01 | 47 days | 2,554 sqft |
| 2018-04-01 | 44 days | 2,564 sqft |
| 2018-05-01 | 42 days | 2,579 sqft |
| 2018-06-01 | 44 days | 2,580 sqft |
| 2018-07-01 | 51 days | 2,558 sqft |
| 2018-08-01 | 53 days | 2,536 sqft |
| 2018-09-01 | 58 days | 2,508 sqft |
| 2018-10-01 | 61 days | 2,492 sqft |
| 2018-11-01 | 62 days | 2,482 sqft |
| 2018-12-01 | 67 days | 2,466 sqft |
| 2019-01-01 | 73 days | 2,446 sqft |
| 2019-02-01 | 63 days | 2,447 sqft |
| 2019-03-01 | 53 days | 2,467 sqft |
| 2019-04-01 | 50 days | 2,493 sqft |
| 2019-05-01 | 50 days | 2,504 sqft |
| 2019-06-01 | 51 days | 2,506 sqft |
| 2019-07-01 | 51 days | 2,490 sqft |
| 2019-08-01 | 54 days | 2,466 sqft |
| 2019-09-01 | 58 days | 2,446 sqft |
| 2019-10-01 | 61 days | 2,429 sqft |
| 2019-11-01 | 63 days | 2,407 sqft |
| 2019-12-01 | 69 days | 2,386 sqft |
| 2020-01-01 | 73 days | 2,373 sqft |
| 2020-02-01 | 61 days | 2,375 sqft |
| 2020-03-01 | 53 days | 2,389 sqft |
| 2020-04-01 | 58 days | 2,382 sqft |
| 2020-05-01 | 64 days | 2,404 sqft |
| 2020-06-01 | 59 days | 2,421 sqft |
| 2020-07-01 | 51 days | 2,420 sqft |
| 2020-08-01 | 51 days | 2,405 sqft |
| 2020-09-01 | 58 days | 2,386 sqft |
| 2020-10-01 | 58 days | 2,344 sqft |
| 2020-11-01 | 59 days | 2,316 sqft |
| 2020-12-01 | 60 days | 2,281 sqft |
| 2021-01-01 | 59 days | 2,248 sqft |
| 2021-02-01 | 51 days | 2,215 sqft |
| 2021-03-01 | 54 days | 2,221 sqft |
| 2021-04-01 | 45 days | 2,226 sqft |
| 2021-05-01 | 43 days | 2,238 sqft |
| 2021-06-01 | 40 days | 2,252 sqft |
| 2021-07-01 | 39 days | 2,257 sqft |
| 2021-08-01 | 40 days | 2,238 sqft |
| 2021-09-01 | 46 days | 2,222 sqft |
| 2021-10-01 | 52 days | 2,204 sqft |
| 2021-11-01 | 54 days | 2,185 sqft |
| 2021-12-01 | 53 days | 2,157 sqft |
| 2022-01-01 | 61 days | 2,125 sqft |
| 2022-02-01 | 40 days | 2,104 sqft |
| 2022-03-01 | 38 days | 2,125 sqft |
| 2022-04-01 | 35 days | 2,145 sqft |
| 2022-05-01 | 33 days | 2,176 sqft |
| 2022-06-01 | 32 days | 2,197 sqft |
| 2022-07-01 | 33 days | 2,199 sqft |
| 2022-08-01 | 38 days | 2,178 sqft |
| 2022-09-01 | 46 days | 2,155 sqft |
| 2022-10-01 | 49 days | 2,139 sqft |
| 2022-11-01 | 52 days | 2,127 sqft |
| 2022-12-01 | 59 days | 2,112 sqft |
| 2023-01-01 | 63 days | 2,083 sqft |
| 2023-02-01 | 54 days | 2,076 sqft |
| 2023-03-01 | 47 days | 2,078 sqft |
| 2023-04-01 | 43 days | 2,086 sqft |
| 2023-05-01 | 41 days | 2,095 sqft |
| 2023-06-01 | 40 days | 2,106 sqft |
| 2023-07-01 | 40 days | 2,125 sqft |
| 2023-08-01 | 42 days | 2,123 sqft |
| 2023-09-01 | 44 days | 2,104 sqft |
| 2023-10-01 | 47 days | 2,103 sqft |
| 2023-11-01 | 50 days | 2,095 sqft |
| 2023-12-01 | 56 days | 2,078 sqft |
| 2024-01-01 | 59 days | 2,045 sqft |
| 2024-02-01 | 48 days | 2,035 sqft |
| 2024-03-01 | 43 days | 2,040 sqft |
| 2024-04-01 | 43 days | 2,058 sqft |
| 2024-05-01 | 41 days | 2,061 sqft |
| 2024-06-01 | 45 days | 2,087 sqft |
| 2024-07-01 | 48 days | 2,114 sqft |
| 2024-08-01 | 51 days | 2,125 sqft |
| 2024-09-01 | 48 days | 2,115 sqft |
| 2024-10-01 | 51 days | 2,101 sqft |
| 2024-11-01 | 53 days | 2,082 sqft |
| 2024-12-01 | 59 days | 2,071 sqft |
| 2025-01-01 | 62 days | 2,050 sqft |
| 2025-02-01 | 54 days | 2,047 sqft |
| 2025-03-01 | 0 days | 2,067 sqft |
Houston's median square footage for active listings during the 2025-03-01 period was 2,067 sqft. One year prior, the average listing was 2,040 sqft.