Huntsville FHA Loan Rates, Closing Costs & Stats

HUNTSVILLE, AL

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    • 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.

    Huntsville's 151 lenders originated 2,538 FHA loans during 2024. The total origination value was $705,390,000, with an average FHA loan value of $277,931.

    Huntsville FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Huntsville averaged 5.99% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Huntsville's average FHA mortgage closing costs are $8,661.

    The average rate for the prior week (2025-03-28) was 6.09% and one month ago for the week of 2025-02-28, the average rate was 6.18%.

    The average rate one year ago was 6.19%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.86%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Huntsville 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 Huntsville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    EAGLE HOME MORTGAGE, LLC 225 4.59% $7,001
    DHI MORTGAGE COMPANY, LTD. 178 5.13% $7,211
    UNITED WHOLESALE MORTGAGE, LLC 163 5.99% $12,064
    QUICKEN LOANS, LLC 144 6.35% $11,214
    CANOPY MORTGAGE, LLC 84 6.08% $18,869
    FREEDOM MORTGAGE CORPORATION 82 6.15% $13,656
    VANDERBILT MORTGAGE AND FINANCE, INC. 75 5.40% $13,143
    STOCKTON MORTGAGE CORPORATION 70 6.02% $12,025
    FirstBank 65 6.22% $10,431
    Trustmark National Bank 56 6.14% $12,398
    DSLD MORTGAGE, LLC 49 5.66% $6,211
    BROKER SOLUTIONS, INC. 45 6.45% $12,809
    PENNYMAC LOAN SERVICES, LLC 37 6.14% $10,465
    PLANET HOME LENDING, LLC 32 6.28% $8,107
    LOANDEPOT.COM, LLC 32 6.48% $10,615
    FIRST COMMUNITY MORTGAGE, INC. 31 6.06% $10,736
    MOVEMENT MORTGAGE, LLC 30 6.41% $12,906
    Synovus Bank 30 6.07% $9,749
    Mr. Cooper ( Nationstar Mortgage ) 28 6.59% $12,196
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 26 6.58% $10,233
    Regions Bank 26 6.04% $9,288
    FBC MORTGAGE, LLC 25 5.22% $8,930
    FIRST COLONY MORTGAGE CORPORATION 23 5.88% $14,884
    REDSTONE Federal Credit Union 22 6.28% $7,669
    Victorian Finance, LLC 21 6.25% $13,628
    Hamilton Mortgage Corporation 19 5.99% $10,402
    South State Bank 17 6.18% $12,181
    Renasant Bank 15 5.95% $12,350
    Flagstar Bank, FSB 15 6.20% $9,015
    GMFS LLC 15 6.27% $9,499
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 6.52% $11,649
    Assurance Financial Group, L.L.C. 14 6.48% $11,723
    CMG MORTGAGE, INC. 14 6.65% $13,496
    HOMEAMERICAN MORTGAGE CORPORATION 13 4.33% $5,582
    INSPIRE HOME LOANS INC. 13 4.88% $7,904
    LAKEVIEW LOAN SERVICING, LLC 12 6.30% $8,364
    CARDINAL FINANCIAL 12 6.50% $12,346
    Carrington Mortgage Services, LLC 12 6.08% $14,722
    EVERETT FINANCIAL, INC. 12 6.46% $12,348
    First Federal Bank, A FSB 11 5.92% $10,493
    GUILD MORTGAGE COMPANY 11 6.52% $9,461
    CROSSCOUNTRY MORTGAGE, LLC 11 6.48% $11,208
    NEWREZ LLC 11 6.31% $10,781
    TOWNE MORTGAGE COMPANY 10 5.92% $11,582
    United Community Bank 10 6.04% $9,015
    Century Mortgage Company DBA Century Lending Company 10 6.16% $11,337
    HOMEOWNERS FINANCIAL GROUP USA, LLC 9 5.93% $13,273
    UNION HOME MORTGAGE CORP. 9 6.36% $12,367
    LOANPAL, LLC 9 5.80% $11,393
    Equity Prime Mortgage LLC 9 6.97% $11,368
    BancorpSouth 9 6.03% $7,846
    MUTUAL OF OMAHA MORTGAGE, INC. 9 6.64% $14,688
    MILEND, INC. 8 6.34% $14,050
    SouthPoint Bank 8 5.30% $8,344
    Prosperity Home Mortgage, LLC 8 5.83% $12,014
    Nations Lending Corporation 8 6.91% $10,645
    Pinnacle Bank 8 6.13% $11,266
    AmeriHome Mortgage Company, LLC 7 6.64% $6,247
    VILLAGE CAPITAL MORTGAGE 7 6.23% $7,123
    AMERICAN FINANCIAL NETWORK, INC. 7 7.34% $13,910
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 7 6.54% $10,062
    The Loan Store, Inc. 7 6.09% $13,724
    S1L, Inc. 6 6.29% $13,695
    ZILLOW HOME LOANS, LLC 6 6.38% $10,575
    PNC Bank 6 6.81% $8,125
    Lakeview Community Capital, LLC 6 6.15% $6,967
    ISERVE RESIDENTIAL LENDING, LLC 5 6.40% $17,511
    TJC Mortgage, Inc. 5 6.30% $9,189
    OCMBC, INC. 5 5.85% $16,017
    AMERICAN FINANCING CORPORATION 5 5.72% $14,212
    ENDEAVOR CAPITAL, LLC. 5 6.50% $9,339
    Plains Commerce Bank 5 6.48% $8,124
    NATIONWIDE MORTGAGE BANKERS, INC. 4 6.63% $16,800
    AMERICAN FINANCIAL RESOURCES, INC. 4 7.22% $13,886
    AMERISAVE MORTGAGE CORPORATION 4 6.31% $11,093
    Bank Independent 4 5.81% $8,651
    Consumer First Mortgage, Inc. 4 6.13% $12,016
    CONTOUR MORTGAGE CORPORATION 4 6.50% $11,652
    FIRST CONTINENTAL MORTGAGE, LTD. 4 5.99% $8,508
    LAND HOME FINANCIAL SERVICES, INC. 4 7.06% $11,227
    MORTGAGE INVESTORS GROUP, INC. 4 6.53% $11,111
    SeaTrust Mortgage Company 4 6.72% $11,516
    SUN WEST MORTGAGE COMPANY, INC. 4 6.96% $11,699
    TOP FLITE FINANCIAL, INC. 4 7.25% $16,326
    Wolfe Financial, Inc 4 6.56% $13,028
    JPMorgan Chase Bank 3 6.42% $5,714
    ROYAL UNITED MORTGAGE LLC 3 6.46% $11,192
    Ixonia Bank 3 6.08% $7,325
    Paramount Residential Mortgage Group, Inc. 3 6.75% $8,447
    LIBERTY HOME MORTGAGE CORPORATION 3 6.83% $10,204
    MID AMERICA MORTGAGE, INC. 3 6.79% $10,785
    NATIONS DIRECT MORTGAGE, LLC 3 5.83% $12,670
    ACOPIA, LLC 3 5.96% $10,186
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 6.75% $8,741
    The Federal Savings Bank 3 7.08% $12,071
    SUCCESS MORTGAGE PARTNERS, INC. 3 6.33% $14,678
    SOUTHWEST FUNDING, LP 3 6.96% $12,176
    ABSOLUTE HOME MORTGAGE CORPORATION 2 6.50% $11,255
    Magnolia Bank 2 5.75% $10,634
    Loan Simple, Inc. 2 6.63% $15,421
    Mortgage Research Center, LLC 2 6.50% $5,137
    GUARANTEED RATE, INC. 2 6.44% $11,515
    PLAZA HOME MORTGAGE, INC. 2 7.13% $10,713
    GUARANTEED RATE AFFINITY, LLC 2 6.11% $10,018
    Princeton Mortgage Corporation 2 6.31% $11,180
    Granite Community Bank 2 5.75% $10,521
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 6.31% $7,265
    SOUTHPOINT FINANCIAL SERVICES, INC. 2 6.56% $8,845
    BAY EQUITY LLC 2 6.25% $7,066
    Truist 2 5.58% $13,873
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.38% $8,142
    Ameris Bank 2 6.38% $13,057
    American Mortgage & Equity Consultants, Inc. 1 7.75% $10,198
    Flanagan State Bank 1 6.75% $14,725
    First Horizon Bank 1 6.00% $17,522
    First Federal Bank 1 6.00% $11,127
    EMM LOANS LLC 1 6.25% $9,486
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.88% $10,017
    Old National Bank 1 5.75% $9,114
    DATA MORTGAGE, INC. 1 6.25% $7,234
    ALAMEDA MORTGAGE CORPORATION 1 6.75% $13,431
    ServisFirst Bank 1 5.88% $12,989
    CHURCHILL MORTGAGE CORPORATION 1 6.25% $11,608
    MICHIGAN MUTUAL, INC. 1 6.75% $10,714
    CB&S Bank, Inc. 1 6.25% $14,906
    OCEANSIDE MORTGAGE COMPANY 1 6.13% $2,275
    CALCON MUTUAL MORTGAGE LLC 1 5.75% $21,213
    Stride Bank 1 6.75% $10,184
    KEESLER 1 4.88% $9,162
    Wells Fargo Bank 1 6.00% $10,753
    BECKAM FUNDING CORP. 1 7.50% $9,793
    T2 FINANCIAL LLC 1 5.25% $19,170
    Texana Bank 1 5.75% $25,372
    NEW DAY FINANCIAL, LLC 1 7.99% $2,122
    NASA Federal Credit Union 1 6.25% $11,110
    Barrington Bank & Trust Company, N.A. 1 6.25% $11,566
    LEADERONE FINANCIAL CORPORATION 1 7.00% $10,208
    Towne Bank 1 6.25% $11,856
    BANKSOUTH MORTGAGE COMPANY, LLC 1 5.75% $10,113
    Merchants Bank of Indiana 1 6.75% $7,381
    Orion Federal Credit Union 1 6.00% $6,688
    PHH Mortgage Corporation 1 6.63% $8,723
    INTERLINC MORTGAGE SERVICES, LLC 1 6.25% $8,621
    Home Mortgage Alliance Corp 1 6.25% $10,811
    Bank of England 1 6.75% $13,298
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.63% $8,502
    MORIA DEVELOPMENT, INC. 1 7.25% $7,339
    POLARIS HOME FUNDING CORP. 1 6.25% $8,025
    PREMIER LENDING, INC. 1 6.75% $9,785
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $10,898
    UNITED MORTGAGE CORP 1 7.25% $12,059

    The top Huntsville FHA lender as defined by loan originations is EAGLE HOME MORTGAGE, LLC, with 225 FHA loans originated. Their average total fees are $7,001, which is $210 lower than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Huntsville FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION ($5,582), DSLD MORTGAGE, LLC ($6,211), EAGLE HOME MORTGAGE, LLC ($7,001), DHI MORTGAGE COMPANY, LTD. ($7,211) and REDSTONE Federal Credit Union ($7,669).

    The lowest rate Huntsville FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (4.33%), EAGLE HOME MORTGAGE, LLC (4.59%), INSPIRE HOME LOANS INC. (4.88%), DHI MORTGAGE COMPANY, LTD. (5.13%) and FBC MORTGAGE, LLC (5.22%).

    Huntsville FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    HUNTSVILLE, AL LIMESTONE 2022 $420,680 $538,650 $651,050 $809,150
    HUNTSVILLE, AL MADISON 2022 $420,680 $538,650 $651,050 $809,150
    HUNTSVILLE, AL LIMESTONE 2023 $472,030 $604,400 $730,525 $907,900
    HUNTSVILLE, AL MADISON 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Huntsville (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 $238,339 (10.1%) $283,711 (8.9%) 0.88 2,205
    2018-02-01 $242,899 (11.5%) $289,755 (10.2%) 0.88 2,076
    2018-03-01 $246,700 (12.4%) $294,249 (10.3%) 0.87 2,064
    2018-04-01 $256,871 (16.8%) $307,046 (13.2%) 0.87 2,045
    2018-05-01 $255,139 (12.0%) $307,923 (11.2%) 0.85 2,051
    2018-06-01 $249,900 (8.9%) $304,004 (9.2%) 0.83 2,137
    2018-07-01 $252,500 (9.8%) $310,309 (10.9%) 0.84 2,121
    2018-08-01 $254,950 (12.5%) $308,938 (10.5%) 0.85 2,127
    2018-09-01 $259,900 (13.1%) $308,434 (9.1%) 0.87 2,117
    2018-10-01 $255,950 (11.3%) $305,787 (8.5%) 0.87 2,087
    2018-11-01 $254,925 (9.1%) $304,388 (6.6%) 0.86 2,038
    2018-12-01 $254,846 (10.8%) $303,854 (7.7%) 0.88 1,943
    2019-01-01 $253,668 (6.4%) $299,407 (5.5%) 0.88 1,782
    2019-02-01 $259,233 (6.7%) $306,001 (5.6%) 0.88 1,706
    2019-03-01 $264,471 (7.2%) $316,510 (7.6%) 0.86 1,638
    2019-04-01 $269,021 (4.7%) $324,829 (5.8%) 0.85 1,551
    2019-05-01 $272,889 (7.0%) $326,124 (5.9%) 0.85 1,559
    2019-06-01 $274,900 (10.0%) $331,244 (9.0%) 0.86 1,565
    2019-07-01 $275,000 (8.9%) $340,522 (9.7%) 0.86 1,532
    2019-08-01 $274,973 (7.9%) $338,409 (9.5%) 0.87 1,513
    2019-09-01 $274,932 (5.8%) $336,592 (9.1%) 0.88 1,475
    2019-10-01 $274,955 (7.4%) $334,085 (9.3%) 0.89 1,456
    2019-11-01 $277,390 (8.8%) $336,631 (10.6%) 0.91 1,357
    2019-12-01 $274,658 (7.8%) $337,912 (11.2%) 0.92 1,263
    2020-01-01 $279,950 (10.4%) $345,973 (15.6%) 0.94 1,180
    2020-02-01 $286,331 (10.5%) $352,393 (15.2%) 0.94 1,076
    2020-03-01 $289,925 (9.6%) $362,851 (14.6%) 0.91 1,033
    2020-04-01 $288,744 (7.3%) $357,102 (9.9%) 0.90 1,104
    2020-05-01 $289,950 (6.3%) $358,728 (10.0%) 0.88 1,260
    2020-06-01 $296,711 (7.9%) $362,301 (9.4%) 0.87 1,161
    2020-07-01 $296,250 (7.7%) $371,433 (9.1%) 0.86 1,109
    2020-08-01 $300,000 (9.1%) $373,491 (10.4%) 0.86 1,067
    2020-09-01 $299,900 (9.1%) $371,188 (10.3%) 0.86 1,029
    2020-10-01 $298,473 (8.6%) $367,364 (10.0%) 0.86 1,017
    2020-11-01 $299,450 (8.0%) $371,342 (10.3%) 0.88 980
    2020-12-01 $304,549 (10.9%) $375,056 (11.0%) 0.91 967
    2021-01-01 $323,700 (15.6%) $385,620 (11.5%) 0.97 834
    2021-02-01 $354,450 (23.8%) $411,622 (16.8%) 1.03 656
    2021-03-01 $356,399 (22.9%) $419,646 (15.7%) 1.01 575
    2021-04-01 $344,650 (19.4%) $414,158 (16.0%) 0.93 518
    2021-05-01 $349,000 (20.4%) $419,008 (16.8%) 0.93 499
    2021-06-01 $317,250 (6.9%) $402,492 (11.1%) 0.84 386
    2021-07-01 $324,075 (9.4%) $414,936 (11.7%) 0.86 457
    2021-08-01 $324,125 (8.0%) $418,106 (12.0%) 0.86 551
    2021-09-01 $342,600 (14.2%) $439,037 (18.3%) 0.91 537
    2021-10-01 $349,900 (17.2%) $446,125 (21.4%) 0.93 535
    2021-11-01 $354,582 (18.4%) $464,088 (25.0%) 0.95 511
    2021-12-01 $367,400 (20.6%) $483,000 (28.8%) 1.00 440
    2022-01-01 $374,494 (15.7%) $489,006 (26.8%) 1.01 358
    2022-02-01 $372,499 (5.1%) $487,141 (18.4%) 0.97 351
    2022-03-01 $413,631 (16.1%) $479,721 (14.3%) 1.04 500
    2022-04-01 $406,494 (17.9%) $478,083 (15.4%) 0.97 596
    2022-05-01 $399,925 (14.6%) $474,840 (13.3%) 0.91 797
    2022-06-01 $406,446 (28.1%) $475,952 (18.3%) 0.91 962
    2022-07-01 $395,000 (21.9%) $463,827 (11.8%) 0.89 1,215
    2022-08-01 $391,958 (20.9%) $469,999 (12.4%) 0.91 1,339
    2022-09-01 $394,950 (15.3%) $470,361 (7.1%) 0.92 1,433
    2022-10-01 $394,900 (12.9%) $469,103 (5.2%) 0.93 1,520
    2022-11-01 $395,900 (11.7%) $467,972 (0.8%) 0.95 1,610
    2022-12-01 $390,073 (6.2%) $463,518 (-4.0%) 0.96 1,570
    2023-01-01 $389,450 (4.0%) $459,835 (-6.0%) 0.96 1,519
    2023-02-01 $390,847 (4.9%) $462,488 (-5.1%) 0.94 1,447
    2023-03-01 $399,450 (-3.4%) $466,379 (-2.8%) 0.94 1,391
    2023-04-01 $412,900 (1.6%) $479,420 (0.3%) 0.96 1,364
    2023-05-01 $424,900 (6.2%) $483,081 (1.7%) 0.96 1,444
    2023-06-01 $424,950 (4.6%) $485,381 (2.0%) 0.95 1,513
    2023-07-01 $406,890 (3.0%) $483,018 (4.1%) 0.92 1,600
    2023-08-01 $399,900 (2.0%) $481,006 (2.3%) 0.92 1,634
    2023-09-01 $390,000 (-1.3%) $469,893 (-0.1%) 0.91 1,705
    2023-10-01 $376,950 (-4.6%) $458,168 (-2.3%) 0.89 1,853
    2023-11-01 $370,108 (-6.5%) $449,017 (-4.1%) 0.88 1,911
    2023-12-01 $365,000 (-6.4%) $445,725 (-3.8%) 0.89 1,885
    2024-01-01 $367,450 (-5.7%) $452,841 (-1.5%) 0.90 1,717
    2024-02-01 $371,450 (-5.0%) $452,913 (-2.1%) 0.89 1,692
    2024-03-01 $378,900 (-5.1%) $455,442 (-2.3%) 0.89 1,697
    2024-04-01 $379,900 (-8.0%) $455,401 (-5.0%) 0.88 1,790
    2024-05-01 $385,471 (-9.3%) $457,909 (-5.2%) 0.88 1,971
    2024-06-01 $384,900 (-9.4%) $458,956 (-5.4%) 0.88 2,066
    2024-07-01 $380,175 (-6.6%) $458,045 (-5.2%) 0.87 2,180
    2024-08-01 $370,000 (-7.5%) $448,747 (-6.7%) 0.86 2,344
    2024-09-01 $368,555 (-5.5%) $443,851 (-5.5%) 0.87 2,486
    2024-10-01 $366,508 (-2.8%) $437,129 (-4.6%) 0.86 2,705
    2024-11-01 $364,900 (-1.4%) $434,037 (-3.3%) 0.88 2,651
    2024-12-01 $364,000 (-0.3%) $431,866 (-3.1%) 0.90 2,603
    2025-01-01 $364,900 (-0.7%) $433,345 (-4.3%) 0.91 2,462
    2025-02-01 $369,900 (-0.4%) $434,027 (-4.2%) 0.90 2,426
    2025-03-01 $372,605 (-1.7%) $438,555 (-3.7%) 0.00 2,455
    Huntsville's median listing price for 2025-03-01 was $372,605, a difference of $-6,295 (-1.7%) versus the prior year and $2,705 versus the prior month.

    Huntsville's median listing price comes in at 0% of the national average.

    Huntsville's average listing price for 2025-03-01 was $438,555, a difference of $-16,887 (-3.7%) versus the prior year and $4,528 versus the prior month.

    For the 2025-03-01 period, Huntsville had 2,455 MLS listings, a difference of 29 listings (1%) versus the prior month and 758 listings (45%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Huntsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 89 days 2,452 sqft
    2018-02-01 89 days 2,474 sqft
    2018-03-01 71 days 2,500 sqft
    2018-04-01 65 days 2,546 sqft
    2018-05-01 59 days 2,536 sqft
    2018-06-01 58 days 2,500 sqft
    2018-07-01 61 days 2,515 sqft
    2018-08-01 65 days 2,508 sqft
    2018-09-01 72 days 2,540 sqft
    2018-10-01 77 days 2,521 sqft
    2018-11-01 81 days 2,515 sqft
    2018-12-01 86 days 2,507 sqft
    2019-01-01 92 days 2,493 sqft
    2019-02-01 84 days 2,500 sqft
    2019-03-01 70 days 2,530 sqft
    2019-04-01 52 days 2,545 sqft
    2019-05-01 46 days 2,528 sqft
    2019-06-01 46 days 2,550 sqft
    2019-07-01 51 days 2,583 sqft
    2019-08-01 51 days 2,563 sqft
    2019-09-01 52 days 2,536 sqft
    2019-10-01 52 days 2,524 sqft
    2019-11-01 57 days 2,516 sqft
    2019-12-01 66 days 2,500 sqft
    2020-01-01 72 days 2,500 sqft
    2020-02-01 59 days 2,500 sqft
    2020-03-01 39 days 2,509 sqft
    2020-04-01 39 days 2,493 sqft
    2020-05-01 37 days 2,500 sqft
    2020-06-01 43 days 2,503 sqft
    2020-07-01 45 days 2,500 sqft
    2020-08-01 43 days 2,501 sqft
    2020-09-01 39 days 2,418 sqft
    2020-10-01 40 days 2,401 sqft
    2020-11-01 42 days 2,394 sqft
    2020-12-01 46 days 2,396 sqft
    2021-01-01 50 days 2,448 sqft
    2021-02-01 48 days 2,512 sqft
    2021-03-01 33 days 2,405 sqft
    2021-04-01 25 days 2,423 sqft
    2021-05-01 17 days 2,367 sqft
    2021-06-01 8 days 2,344 sqft
    2021-07-01 9 days 2,304 sqft
    2021-08-01 14 days 2,337 sqft
    2021-09-01 18 days 2,388 sqft
    2021-10-01 18 days 2,377 sqft
    2021-11-01 18 days 2,385 sqft
    2021-12-01 27 days 2,424 sqft
    2022-01-01 30 days 2,448 sqft
    2022-02-01 12 days 2,399 sqft
    2022-03-01 10 days 2,463 sqft
    2022-04-01 14 days 2,449 sqft
    2022-05-01 19 days 2,380 sqft
    2022-06-01 21 days 2,373 sqft
    2022-07-01 29 days 2,352 sqft
    2022-08-01 33 days 2,354 sqft
    2022-09-01 40 days 2,346 sqft
    2022-10-01 42 days 2,357 sqft
    2022-11-01 50 days 2,379 sqft
    2022-12-01 59 days 2,368 sqft
    2023-01-01 67 days 2,352 sqft
    2023-02-01 65 days 2,359 sqft
    2023-03-01 57 days 2,366 sqft
    2023-04-01 52 days 2,376 sqft
    2023-05-01 48 days 2,406 sqft
    2023-06-01 50 days 2,432 sqft
    2023-07-01 50 days 2,383 sqft
    2023-08-01 51 days 2,375 sqft
    2023-09-01 53 days 2,351 sqft
    2023-10-01 52 days 2,287 sqft
    2023-11-01 57 days 2,236 sqft
    2023-12-01 68 days 2,211 sqft
    2024-01-01 77 days 2,215 sqft
    2024-02-01 70 days 2,235 sqft
    2024-03-01 51 days 2,265 sqft
    2024-04-01 48 days 2,272 sqft
    2024-05-01 46 days 2,290 sqft
    2024-06-01 50 days 2,270 sqft
    2024-07-01 54 days 2,249 sqft
    2024-08-01 58 days 2,223 sqft
    2024-09-01 61 days 2,192 sqft
    2024-10-01 57 days 2,207 sqft
    2024-11-01 60 days 2,217 sqft
    2024-12-01 70 days 2,210 sqft
    2025-01-01 87 days 2,227 sqft
    2025-02-01 90 days 2,260 sqft
    2025-03-01 0 days 2,260 sqft
    Huntsville's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Huntsville's median square footage for active listings during the 2025-03-01 period was 2,260 sqft. One year prior, the average listing was 2,265 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).