Amarillo USDA Loan Rates, Closing Costs & Stats
AMARILLO, TX
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.
Amarillo's 2 lenders originated 7 USDA loans during 2024. The total origination value was $1,305,000, with an average USDA loan value of $186,429.
Amarillo USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Amarillo
averaged
6.49%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Amarillo's average USDA mortgage closing costs are $6,548.
The average rate for the prior week (2025-05-16) was
6.82% and
one month ago for the week of 2025-04-18, the
average rate was 6.51%.
The average rate one year ago was 6.77%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.1%.
Amarillo 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 Amarillo level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 1 | 6.38% | $7,783 |
| The Loan Store, Inc. | 1 | 6.25% | $7,769 |
The top Amarillo USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
1 USDA loans originated. Their average total fees are
$7,783, which is $14
higher than the next largest lender,
The Loan Store, Inc..
The lowest fee Amarillo USDA lenders (with over 10 loans originated) are
.
The lowest rate Amarillo USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Amarillo (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 | $218,975 (9.5%) | $298,124 (8.6%) | 0.81 | 1,018 |
| 2018-02-01 | $225,250 (9.9%) | $298,518 (9.3%) | 0.82 | 1,023 |
| 2018-03-01 | $225,000 (6.2%) | $303,151 (10.3%) | 0.79 | 1,017 |
| 2018-04-01 | $231,450 (8.0%) | $306,502 (8.4%) | 0.78 | 1,016 |
| 2018-05-01 | $236,700 (8.7%) | $309,283 (6.7%) | 0.79 | 1,083 |
| 2018-06-01 | $238,900 (8.9%) | $311,231 (7.4%) | 0.80 | 1,144 |
| 2018-07-01 | $238,600 (8.5%) | $310,106 (9.6%) | 0.80 | 1,202 |
| 2018-08-01 | $236,200 (7.5%) | $307,728 (8.5%) | 0.79 | 1,215 |
| 2018-09-01 | $234,900 (9.3%) | $306,618 (9.0%) | 0.79 | 1,191 |
| 2018-10-01 | $234,850 (9.7%) | $305,584 (7.4%) | 0.80 | 1,235 |
| 2018-11-01 | $235,950 (10.0%) | $302,984 (5.9%) | 0.80 | 1,228 |
| 2018-12-01 | $233,613 (8.7%) | $302,514 (3.2%) | 0.81 | 1,194 |
| 2019-01-01 | $227,450 (3.9%) | $294,602 (-1.2%) | 0.79 | 1,137 |
| 2019-02-01 | $235,425 (4.5%) | $299,480 (0.3%) | 0.80 | 1,136 |
| 2019-03-01 | $240,286 (6.8%) | $304,817 (0.6%) | 0.79 | 1,127 |
| 2019-04-01 | $243,500 (5.2%) | $305,551 (-0.3%) | 0.77 | 1,116 |
| 2019-05-01 | $248,975 (5.2%) | $314,697 (1.8%) | 0.78 | 1,091 |
| 2019-06-01 | $244,950 (2.5%) | $311,815 (0.2%) | 0.77 | 1,140 |
| 2019-07-01 | $239,475 (0.4%) | $312,099 (0.6%) | 0.75 | 1,129 |
| 2019-08-01 | $239,616 (1.5%) | $310,531 (0.9%) | 0.76 | 1,103 |
| 2019-09-01 | $239,115 (1.8%) | $306,885 (0.1%) | 0.77 | 1,065 |
| 2019-10-01 | $237,363 (1.1%) | $304,455 (-0.4%) | 0.77 | 1,037 |
| 2019-11-01 | $234,700 (-0.5%) | $306,651 (1.2%) | 0.77 | 966 |
| 2019-12-01 | $229,450 (-1.8%) | $302,064 (-0.2%) | 0.77 | 937 |
| 2020-01-01 | $227,344 (-0.1%) | $300,875 (2.1%) | 0.76 | 862 |
| 2020-02-01 | $239,925 (1.9%) | $317,160 (5.9%) | 0.79 | 864 |
| 2020-03-01 | $260,372 (8.4%) | $334,361 (9.7%) | 0.82 | 808 |
| 2020-04-01 | $269,450 (10.7%) | $333,321 (9.1%) | 0.84 | 787 |
| 2020-05-01 | $279,000 (12.1%) | $344,382 (9.4%) | 0.85 | 771 |
| 2020-06-01 | $281,200 (14.8%) | $353,522 (13.4%) | 0.83 | 729 |
| 2020-07-01 | $279,472 (16.7%) | $353,564 (13.3%) | 0.81 | 665 |
| 2020-08-01 | $272,268 (13.6%) | $351,797 (13.3%) | 0.78 | 604 |
| 2020-09-01 | $274,950 (15.0%) | $353,128 (15.1%) | 0.79 | 594 |
| 2020-10-01 | $275,000 (15.9%) | $355,429 (16.7%) | 0.79 | 583 |
| 2020-11-01 | $279,800 (19.2%) | $354,693 (15.7%) | 0.82 | 571 |
| 2020-12-01 | $279,685 (21.9%) | $360,706 (19.4%) | 0.83 | 509 |
| 2021-01-01 | $275,900 (21.4%) | $364,537 (21.2%) | 0.82 | 459 |
| 2021-02-01 | $317,375 (32.3%) | $412,383 (30.0%) | 0.92 | 370 |
| 2021-03-01 | $334,875 (28.6%) | $436,602 (30.6%) | 0.95 | 330 |
| 2021-04-01 | $340,440 (26.4%) | $440,938 (32.3%) | 0.92 | 334 |
| 2021-05-01 | $325,250 (16.6%) | $436,979 (26.9%) | 0.86 | 305 |
| 2021-06-01 | $306,250 (8.9%) | $406,486 (15.0%) | 0.81 | 368 |
| 2021-07-01 | $299,700 (7.2%) | $398,968 (12.8%) | 0.79 | 402 |
| 2021-08-01 | $288,000 (5.8%) | $396,877 (12.8%) | 0.77 | 407 |
| 2021-09-01 | $288,450 (4.9%) | $393,084 (11.3%) | 0.77 | 405 |
| 2021-10-01 | $305,000 (10.9%) | $402,139 (13.1%) | 0.81 | 403 |
| 2021-11-01 | $313,500 (12.0%) | $405,464 (14.3%) | 0.84 | 383 |
| 2021-12-01 | $316,200 (13.1%) | $410,301 (13.8%) | 0.86 | 361 |
| 2022-01-01 | $315,200 (14.2%) | $403,720 (10.8%) | 0.85 | 316 |
| 2022-02-01 | $332,625 (4.8%) | $426,390 (3.4%) | 0.87 | 286 |
| 2022-03-01 | $336,000 (0.3%) | $441,005 (1.0%) | 0.84 | 251 |
| 2022-04-01 | $326,950 (-4.0%) | $433,513 (-1.7%) | 0.78 | 283 |
| 2022-05-01 | $322,000 (-1.0%) | $407,502 (-6.8%) | 0.74 | 342 |
| 2022-06-01 | $330,950 (8.1%) | $394,456 (-3.0%) | 0.74 | 407 |
| 2022-07-01 | $320,000 (6.8%) | $382,496 (-4.1%) | 0.72 | 481 |
| 2022-08-01 | $326,838 (13.5%) | $381,309 (-3.9%) | 0.76 | 507 |
| 2022-09-01 | $326,500 (13.2%) | $383,139 (-2.5%) | 0.76 | 501 |
| 2022-10-01 | $325,000 (6.6%) | $374,577 (-6.9%) | 0.76 | 526 |
| 2022-11-01 | $327,450 (4.5%) | $377,437 (-6.9%) | 0.79 | 562 |
| 2022-12-01 | $340,000 (7.5%) | $379,130 (-7.6%) | 0.84 | 550 |
| 2023-01-01 | $346,650 (10.0%) | $386,446 (-4.3%) | 0.86 | 541 |
| 2023-02-01 | $359,925 (8.2%) | $394,745 (-7.4%) | 0.87 | 554 |
| 2023-03-01 | $349,900 (4.1%) | $393,769 (-10.7%) | 0.83 | 566 |
| 2023-04-01 | $355,025 (8.6%) | $404,331 (-6.7%) | 0.83 | 592 |
| 2023-05-01 | $373,500 (16.0%) | $421,912 (3.5%) | 0.85 | 646 |
| 2023-06-01 | $375,396 (13.4%) | $426,414 (8.1%) | 0.84 | 698 |
| 2023-07-01 | $375,000 (17.2%) | $424,902 (11.1%) | 0.85 | 732 |
| 2023-08-01 | $368,870 (12.9%) | $417,217 (9.4%) | 0.85 | 735 |
| 2023-09-01 | $345,000 (5.7%) | $422,409 (10.3%) | 0.80 | 771 |
| 2023-10-01 | $335,500 (3.2%) | $418,442 (11.7%) | 0.79 | 808 |
| 2023-11-01 | $317,000 (-3.2%) | $394,058 (4.4%) | 0.75 | 882 |
| 2023-12-01 | $320,000 (-5.9%) | $396,071 (4.5%) | 0.78 | 891 |
| 2024-01-01 | $314,503 (-9.3%) | $396,685 (2.7%) | 0.77 | 872 |
| 2024-02-01 | $313,950 (-12.8%) | $397,010 (0.6%) | 0.76 | 876 |
| 2024-03-01 | $315,000 (-10.0%) | $400,797 (1.8%) | 0.74 | 882 |
| 2024-04-01 | $313,750 (-11.6%) | $410,827 (1.6%) | 0.73 | 882 |
| 2024-05-01 | $317,600 (-15.0%) | $417,284 (-1.1%) | 0.72 | 910 |
| 2024-06-01 | $315,000 (-16.1%) | $417,349 (-2.1%) | 0.72 | 971 |
| 2024-07-01 | $299,394 (-20.2%) | $392,033 (-7.7%) | 0.68 | 1,021 |
| 2024-08-01 | $299,000 (-18.9%) | $382,087 (-8.4%) | 0.70 | 1,023 |
| 2024-09-01 | $299,900 (-13.1%) | $376,821 (-10.8%) | 0.71 | 1,019 |
| 2024-10-01 | $293,875 (-12.4%) | $373,967 (-10.6%) | 0.69 | 1,045 |
| 2024-11-01 | $295,250 (-6.9%) | $379,987 (-3.6%) | 0.71 | 1,047 |
| 2024-12-01 | $298,250 (-6.8%) | $381,274 (-3.7%) | 0.74 | 1,033 |
| 2025-01-01 | $297,355 (-5.5%) | $379,034 (-4.5%) | 0.74 | 986 |
| 2025-02-01 | $290,747 (-7.4%) | $378,316 (-4.7%) | 0.71 | 1,029 |
| 2025-03-01 | $298,500 (-5.2%) | $382,322 (-4.6%) | 0.70 | 1,013 |
| 2025-04-01 | $302,473 (-3.6%) | $381,074 (-7.2%) | 0.70 | 1,014 |
Amarillo's median listing price comes in at 70% of the national average.
Amarillo's average listing price for 2025-04-01 was $381,074, a difference of $-29,753 (-7.2%) versus the prior year and $-1,248 versus the prior month.
For the 2025-04-01 period, Amarillo had 1,014 MLS listings, a difference of 1 listings (0%) versus the prior month and 132 listings (15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Amarillo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 70 days | 2,067 sqft |
| 2018-02-01 | 48 days | 2,085 sqft |
| 2018-03-01 | 48 days | 2,094 sqft |
| 2018-04-01 | 53 days | 2,123 sqft |
| 2018-05-01 | 51 days | 2,137 sqft |
| 2018-06-01 | 47 days | 2,147 sqft |
| 2018-07-01 | 52 days | 2,140 sqft |
| 2018-08-01 | 53 days | 2,137 sqft |
| 2018-09-01 | 57 days | 2,132 sqft |
| 2018-10-01 | 59 days | 2,121 sqft |
| 2018-11-01 | 61 days | 2,119 sqft |
| 2018-12-01 | 71 days | 2,115 sqft |
| 2019-01-01 | 68 days | 2,106 sqft |
| 2019-02-01 | 45 days | 2,106 sqft |
| 2019-03-01 | 51 days | 2,113 sqft |
| 2019-04-01 | 58 days | 2,122 sqft |
| 2019-05-01 | 60 days | 2,136 sqft |
| 2019-06-01 | 60 days | 2,122 sqft |
| 2019-07-01 | 59 days | 2,114 sqft |
| 2019-08-01 | 59 days | 2,118 sqft |
| 2019-09-01 | 60 days | 2,104 sqft |
| 2019-10-01 | 63 days | 2,090 sqft |
| 2019-11-01 | 68 days | 2,059 sqft |
| 2019-12-01 | 74 days | 2,030 sqft |
| 2020-01-01 | 71 days | 2,033 sqft |
| 2020-02-01 | 56 days | 2,054 sqft |
| 2020-03-01 | 53 days | 2,147 sqft |
| 2020-04-01 | 54 days | 2,179 sqft |
| 2020-05-01 | 56 days | 2,220 sqft |
| 2020-06-01 | 50 days | 2,258 sqft |
| 2020-07-01 | 52 days | 2,240 sqft |
| 2020-08-01 | 51 days | 2,225 sqft |
| 2020-09-01 | 44 days | 2,226 sqft |
| 2020-10-01 | 45 days | 2,212 sqft |
| 2020-11-01 | 43 days | 2,216 sqft |
| 2020-12-01 | 54 days | 2,211 sqft |
| 2021-01-01 | 63 days | 2,197 sqft |
| 2021-02-01 | 40 days | 2,393 sqft |
| 2021-03-01 | 37 days | 2,485 sqft |
| 2021-04-01 | 30 days | 2,520 sqft |
| 2021-05-01 | 32 days | 2,487 sqft |
| 2021-06-01 | 24 days | 2,217 sqft |
| 2021-07-01 | 31 days | 2,204 sqft |
| 2021-08-01 | 34 days | 2,162 sqft |
| 2021-09-01 | 38 days | 2,097 sqft |
| 2021-10-01 | 41 days | 2,142 sqft |
| 2021-11-01 | 44 days | 2,160 sqft |
| 2021-12-01 | 47 days | 2,132 sqft |
| 2022-01-01 | 46 days | 2,125 sqft |
| 2022-02-01 | 33 days | 2,221 sqft |
| 2022-03-01 | 31 days | 2,234 sqft |
| 2022-04-01 | 22 days | 2,164 sqft |
| 2022-05-01 | 22 days | 2,138 sqft |
| 2022-06-01 | 27 days | 2,143 sqft |
| 2022-07-01 | 31 days | 2,103 sqft |
| 2022-08-01 | 37 days | 2,129 sqft |
| 2022-09-01 | 40 days | 2,136 sqft |
| 2022-10-01 | 45 days | 2,148 sqft |
| 2022-11-01 | 44 days | 2,156 sqft |
| 2022-12-01 | 51 days | 2,160 sqft |
| 2023-01-01 | 54 days | 2,147 sqft |
| 2023-02-01 | 41 days | 2,165 sqft |
| 2023-03-01 | 45 days | 2,120 sqft |
| 2023-04-01 | 44 days | 2,145 sqft |
| 2023-05-01 | 42 days | 2,190 sqft |
| 2023-06-01 | 42 days | 2,204 sqft |
| 2023-07-01 | 45 days | 2,197 sqft |
| 2023-08-01 | 48 days | 2,167 sqft |
| 2023-09-01 | 47 days | 2,118 sqft |
| 2023-10-01 | 50 days | 2,101 sqft |
| 2023-11-01 | 52 days | 2,059 sqft |
| 2023-12-01 | 57 days | 2,053 sqft |
| 2024-01-01 | 62 days | 2,036 sqft |
| 2024-02-01 | 47 days | 2,033 sqft |
| 2024-03-01 | 48 days | 2,040 sqft |
| 2024-04-01 | 52 days | 2,011 sqft |
| 2024-05-01 | 47 days | 2,064 sqft |
| 2024-06-01 | 51 days | 2,053 sqft |
| 2024-07-01 | 52 days | 1,984 sqft |
| 2024-08-01 | 53 days | 1,972 sqft |
| 2024-09-01 | 56 days | 1,953 sqft |
| 2024-10-01 | 58 days | 1,960 sqft |
| 2024-11-01 | 64 days | 1,977 sqft |
| 2024-12-01 | 72 days | 1,999 sqft |
| 2025-01-01 | 68 days | 1,989 sqft |
| 2025-02-01 | 48 days | 2,002 sqft |
| 2025-03-01 | 53 days | 2,023 sqft |
| 2025-04-01 | 55 days | 2,027 sqft |
Amarillo's median square footage for active listings during the 2025-04-01 period was 2,027 sqft. One year prior, the average listing was 2,011 sqft.