Alice USDA Loan Rates, Closing Costs & Stats

Alice, TX

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Alice's 1 lenders originated 3 USDA loans during 2024. The total origination value was $365,000, with an average USDA loan value of $121,667.

    Alice USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Alice averaged 6.93% for the week of 2026-07-24, compared to the national average (all USDA variants) of 6.382% for the same period.

    Alice's average USDA mortgage closing costs are $7,314.

    The average rate for the prior week (2026-07-17) was 6.58% and one month ago for the week of 2026-06-19, the average rate was 6.64%.

    The average rate one year ago was 7%.

    For refis of the same type during the week of 2026-07-24, the average rate was 6.38%.

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

    Alice USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Alice level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 3 6.96% $7,532

    The lowest fee Alice USDA lenders (with over 10 loans originated) are .

    The lowest rate Alice USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Alice (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 $167,000 (20.4%) $210,049 (26.2%) 0.00 166
    2018-02-01 $166,250 (11.0%) $215,334 (18.0%) 0.00 152
    2018-03-01 $169,900 (9.4%) $226,120 (19.3%) 0.00 145
    2018-04-01 $173,725 (8.7%) $231,637 (18.5%) 0.00 140
    2018-05-01 $160,250 (0.8%) $214,781 (9.1%) 0.00 148
    2018-06-01 $155,400 (-1.3%) $209,578 (6.5%) 0.00 152
    2018-07-01 $154,224 (-3.2%) $208,812 (1.5%) 0.00 154
    2018-08-01 $149,925 (-11.4%) $202,543 (-0.5%) 0.00 157
    2018-09-01 $149,500 (-11.9%) $193,892 (-4.5%) 0.00 148
    2018-10-01 $147,750 (-2.1%) $191,137 (-8.7%) 0.00 143
    2018-11-01 $129,370 (-21.7%) $185,344 (-11.8%) 0.00 130
    2018-12-01 $147,500 (-11.9%) $192,419 (-9.1%) 0.00 119
    2019-01-01 $149,675 (-10.4%) $196,329 (-6.5%) 0.00 114
    2019-02-01 $145,250 (-12.6%) $204,096 (-5.2%) 0.00 113
    2019-03-01 $145,179 (-14.6%) $206,030 (-8.9%) 0.00 113
    2019-04-01 $147,429 (-15.1%) $204,482 (-11.7%) 0.00 114
    2019-05-01 $159,500 (-0.5%) $208,359 (-3.0%) 0.00 117
    2019-06-01 $148,700 (-4.3%) $192,678 (-8.1%) 0.00 111
    2019-07-01 $149,450 (-3.1%) $190,763 (-8.6%) 0.00 105
    2019-08-01 $168,236 (12.2%) $201,235 (-0.7%) 0.00 102
    2019-09-01 $166,416 (11.3%) $202,868 (4.6%) 0.00 100
    2019-10-01 $165,000 (11.7%) $203,956 (6.7%) 0.00 98
    2019-11-01 $174,950 (35.2%) $205,550 (10.9%) 0.00 98
    2019-12-01 $159,700 (8.3%) $196,739 (2.2%) 0.00 101
    2020-01-01 $162,450 (8.5%) $194,958 (-0.7%) 0.00 98
    2020-02-01 $175,800 (21.0%) $206,975 (1.4%) 0.00 100
    2020-03-01 $169,000 (16.4%) $199,243 (-3.3%) 0.00 103
    2020-04-01 $163,300 (10.8%) $192,821 (-5.7%) 0.00 112
    2020-05-01 $169,000 (6.0%) $195,724 (-6.1%) 0.00 101
    2020-06-01 $190,225 (27.9%) $217,096 (12.7%) 0.00 81
    2020-07-01 $194,900 (30.4%) $236,133 (23.8%) 0.00 74
    2020-08-01 $195,500 (16.2%) $242,962 (20.7%) 0.00 82
    2020-09-01 $210,000 (26.2%) $240,431 (18.5%) 0.00 81
    2020-10-01 $198,750 (20.5%) $235,172 (15.3%) 0.00 82
    2020-11-01 $188,925 (8.0%) $231,393 (12.6%) 0.00 75
    2020-12-01 $186,000 (16.5%) $223,306 (13.5%) 0.00 80
    2021-01-01 $186,950 (15.1%) $221,984 (13.9%) 0.00 72
    2021-02-01 $184,000 (4.7%) $230,836 (11.5%) 0.00 64
    2021-03-01 $179,000 (5.9%) $214,999 (7.9%) 0.00 64
    2021-04-01 $209,500 (28.3%) $224,206 (16.3%) 0.00 58
    2021-05-01 $175,000 (3.6%) $206,833 (5.7%) 0.00 58
    2021-06-01 $189,000 (-0.6%) $213,893 (-1.5%) 0.00 55
    2021-07-01 $175,000 (-10.2%) $211,136 (-10.6%) 0.00 72
    2021-08-01 $168,675 (-13.7%) $201,737 (-17.0%) 0.00 77
    2021-09-01 $175,000 (-16.7%) $210,702 (-12.4%) 0.00 81
    2021-10-01 $177,500 (-10.7%) $211,990 (-9.9%) 0.00 86
    2021-11-01 $175,625 (-7.0%) $220,206 (-4.8%) 0.00 77
    2021-12-01 $175,875 (-5.4%) $231,461 (3.7%) 0.00 73
    2022-01-01 $168,700 (-9.8%) $219,954 (-0.9%) 0.00 70
    2022-02-01 $172,000 (-6.5%) $228,048 (-1.2%) 0.00 61
    2022-03-01 $188,200 (5.1%) $281,042 (30.7%) 0.00 65
    2022-04-01 $175,000 (-16.5%) $239,858 (7.0%) 0.00 63
    2022-05-01 $175,000 (0.0%) $248,269 (20.0%) 0.00 64
    2022-06-01 $178,500 (-5.6%) $246,574 (15.3%) 0.00 74
    2022-07-01 $169,900 (-2.9%) $214,617 (1.7%) 0.00 80
    2022-08-01 $169,450 (0.5%) $223,202 (10.6%) 0.00 92
    2022-09-01 $169,675 (-3.0%) $223,493 (6.1%) 0.00 93
    2022-10-01 $169,450 (-4.5%) $228,274 (7.7%) 0.00 94
    2022-11-01 $169,450 (-3.5%) $227,672 (3.4%) 0.00 98
    2022-12-01 $165,000 (-6.2%) $215,270 (-7.0%) 0.00 90
    2023-01-01 $164,725 (-2.4%) $214,157 (-2.6%) 0.00 94
    2023-02-01 $162,500 (-5.5%) $214,408 (-6.0%) 0.00 95
    2023-03-01 $165,000 (-12.3%) $220,959 (-21.4%) 0.00 85
    2023-04-01 $179,900 (2.8%) $241,803 (0.8%) 0.00 78
    2023-05-01 $206,625 (18.1%) $249,881 (0.7%) 0.00 89
    2023-06-01 $193,750 (8.5%) $252,918 (2.6%) 0.00 90
    2023-07-01 $178,990 (5.4%) $248,605 (15.8%) 0.00 82
    2023-08-01 $178,368 (5.3%) $249,261 (11.7%) 0.00 85
    2023-09-01 $189,500 (11.7%) $245,759 (10.0%) 0.00 86
    2023-10-01 $197,100 (16.3%) $243,648 (6.7%) 0.00 90
    2023-11-01 $177,750 (4.9%) $222,929 (-2.1%) 0.00 98
    2023-12-01 $189,000 (14.6%) $246,066 (14.3%) 0.00 101
    2024-01-01 $187,000 (13.5%) $242,937 (13.4%) 0.00 100
    2024-02-01 $185,000 (13.9%) $240,922 (12.4%) 0.00 97
    2024-03-01 $194,450 (17.9%) $250,799 (13.5%) 0.00 101
    2024-04-01 $210,450 (17.0%) $268,964 (11.2%) 0.00 106
    2024-05-01 $217,500 (5.3%) $284,006 (13.7%) 0.00 107
    2024-06-01 $225,000 (16.1%) $299,706 (18.5%) 0.00 121
    2024-07-01 $225,000 (25.7%) $316,340 (27.3%) 0.00 131
    2024-08-01 $223,000 (25.0%) $310,571 (24.6%) 0.00 136
    2024-09-01 $225,000 (18.7%) $316,671 (28.9%) 0.00 134
    2024-10-01 $228,125 (15.7%) $331,555 (36.1%) 0.00 132
    2024-11-01 $229,250 (29.0%) $346,569 (55.5%) 0.00 127
    2024-12-01 $248,750 (31.6%) $363,646 (47.8%) 0.00 118
    2025-01-01 $238,250 (27.4%) $339,265 (39.7%) 0.00 104
    2025-02-01 $235,000 (27.0%) $342,263 (42.1%) 0.00 109
    2025-03-01 $232,500 (19.6%) $344,967 (37.6%) 0.00 110
    2025-04-01 $240,750 (14.4%) $358,401 (33.3%) 0.00 111
    2025-05-01 $239,250 (10.0%) $329,398 (16.0%) 0.00 115
    2025-06-01 $240,000 (6.7%) $323,670 (8.0%) 0.00 118
    2025-07-01 $229,250 (1.9%) $320,867 (1.4%) 0.00 128
    2025-08-01 $224,000 (0.5%) $313,710 (1.0%) 0.00 128
    2025-09-01 $229,875 (2.2%) $322,663 (1.9%) 0.00 126
    2025-10-01 $238,125 (4.4%) $316,457 (-4.6%) 0.00 126
    2025-11-01 $220,000 (-4.0%) $305,178 (-11.9%) 0.00 132
    2025-12-01 $217,475 (-12.6%) $302,662 (-16.8%) 0.00 133
    2026-01-01 $225,000 (-5.6%) $302,378 (-10.9%) 0.00 132
    2026-02-01 $238,725 (1.6%) $304,122 (-11.1%) 0.00 151
    2026-03-01 $217,500 (-6.5%) $288,766 (-16.3%) 0.00 154
    2026-04-01 $226,500 (-5.9%) $291,142 (-18.8%) 0.00 153
    2026-05-01 $225,000 (-6.0%) $300,629 (-8.7%) 0.00 147
    2026-06-01 $225,000 (-6.3%) $295,729 (-8.6%) 0.00 155
    Alice's median listing price for 2026-06-01 was $225,000, a difference of $-15,000 (-6.3%) versus the prior year and $0 versus the prior month.

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

    Alice's average listing price for 2026-06-01 was $295,729, a difference of $-27,941 (-8.6%) versus the prior year and $-4,900 versus the prior month.

    For the 2026-06-01 period, Alice had 155 MLS listings, a difference of 8 listings (5%) versus the prior month and 37 listings (31%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Alice (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,902 sqft
    2018-02-01 0 days 1,984 sqft
    2018-03-01 0 days 2,074 sqft
    2018-04-01 0 days 2,107 sqft
    2018-05-01 0 days 1,977 sqft
    2018-06-01 0 days 1,893 sqft
    2018-07-01 0 days 1,863 sqft
    2018-08-01 0 days 1,876 sqft
    2018-09-01 0 days 1,799 sqft
    2018-10-01 0 days 1,741 sqft
    2018-11-01 0 days 1,691 sqft
    2018-12-01 0 days 1,758 sqft
    2019-01-01 0 days 1,758 sqft
    2019-02-01 0 days 1,777 sqft
    2019-03-01 0 days 1,767 sqft
    2019-04-01 0 days 1,757 sqft
    2019-05-01 0 days 1,774 sqft
    2019-06-01 0 days 1,808 sqft
    2019-07-01 0 days 1,777 sqft
    2019-08-01 0 days 1,873 sqft
    2019-09-01 0 days 1,906 sqft
    2019-10-01 0 days 1,910 sqft
    2019-11-01 0 days 1,817 sqft
    2019-12-01 0 days 1,760 sqft
    2020-01-01 0 days 1,762 sqft
    2020-02-01 0 days 1,815 sqft
    2020-03-01 0 days 1,789 sqft
    2020-04-01 0 days 1,773 sqft
    2020-05-01 0 days 1,733 sqft
    2020-06-01 0 days 1,815 sqft
    2020-07-01 0 days 1,909 sqft
    2020-08-01 0 days 1,926 sqft
    2020-09-01 0 days 1,990 sqft
    2020-10-01 0 days 1,928 sqft
    2020-11-01 0 days 1,945 sqft
    2020-12-01 0 days 1,800 sqft
    2021-01-01 0 days 1,777 sqft
    2021-02-01 0 days 2,071 sqft
    2021-03-01 0 days 1,797 sqft
    2021-04-01 0 days 1,797 sqft
    2021-05-01 0 days 1,727 sqft
    2021-06-01 0 days 1,747 sqft
    2021-07-01 0 days 1,740 sqft
    2021-08-01 0 days 1,658 sqft
    2021-09-01 0 days 1,711 sqft
    2021-10-01 0 days 1,709 sqft
    2021-11-01 0 days 1,732 sqft
    2021-12-01 0 days 1,835 sqft
    2022-01-01 0 days 1,615 sqft
    2022-02-01 0 days 1,653 sqft
    2022-03-01 0 days 1,713 sqft
    2022-04-01 0 days 1,491 sqft
    2022-05-01 0 days 1,696 sqft
    2022-06-01 0 days 1,680 sqft
    2022-07-01 0 days 1,500 sqft
    2022-08-01 0 days 1,500 sqft
    2022-09-01 0 days 1,590 sqft
    2022-10-01 0 days 1,600 sqft
    2022-11-01 0 days 1,586 sqft
    2022-12-01 0 days 1,624 sqft
    2023-01-01 0 days 1,577 sqft
    2023-02-01 0 days 1,474 sqft
    2023-03-01 0 days 1,469 sqft
    2023-04-01 0 days 1,519 sqft
    2023-05-01 0 days 1,567 sqft
    2023-06-01 0 days 1,524 sqft
    2023-07-01 0 days 1,519 sqft
    2023-08-01 0 days 1,519 sqft
    2023-09-01 0 days 1,519 sqft
    2023-10-01 0 days 1,500 sqft
    2023-11-01 0 days 1,480 sqft
    2023-12-01 0 days 1,494 sqft
    2024-01-01 0 days 1,514 sqft
    2024-02-01 0 days 1,514 sqft
    2024-03-01 0 days 1,516 sqft
    2024-04-01 0 days 1,521 sqft
    2024-05-01 0 days 1,540 sqft
    2024-06-01 0 days 1,604 sqft
    2024-07-01 0 days 1,607 sqft
    2024-08-01 0 days 1,626 sqft
    2024-09-01 0 days 1,600 sqft
    2024-10-01 0 days 1,589 sqft
    2024-11-01 0 days 1,626 sqft
    2024-12-01 0 days 1,688 sqft
    2025-01-01 0 days 1,625 sqft
    2025-02-01 0 days 1,649 sqft
    2025-03-01 0 days 1,674 sqft
    2025-04-01 0 days 1,786 sqft
    2025-05-01 0 days 1,726 sqft
    2025-06-01 0 days 1,737 sqft
    2025-07-01 0 days 1,683 sqft
    2025-08-01 0 days 1,676 sqft
    2025-09-01 0 days 1,736 sqft
    2025-10-01 0 days 1,745 sqft
    2025-11-01 0 days 1,716 sqft
    2025-12-01 0 days 1,736 sqft
    2026-01-01 0 days 1,744 sqft
    2026-02-01 0 days 1,697 sqft
    2026-03-01 0 days 1,476 sqft
    2026-04-01 0 days 1,473 sqft
    2026-05-01 0 days 1,620 sqft
    2026-06-01 0 days 1,716 sqft
    Alice's median listing age (time on market) for 2026-06-01 was 0 days.

    Alice's median square footage for active listings during the 2026-06-01 period was 1,716 sqft. One year prior, the average listing was 1,737 sqft.