Austin USDA Loan Rates, Closing Costs & Stats

AUSTIN-ROUND ROCK-GEORGETOWN, TX

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Austin's 29 lenders originated 227 USDA loans during 2024. The total origination value was $65,265,000, with an average USDA loan value of $287,511.

    Austin USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Austin averaged 5.95% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Austin's average USDA mortgage closing costs are $7,533.

    The average rate for the prior week (2025-03-28) was 6.21% and one month ago for the week of 2025-02-28, the average rate was 6.16%.

    The average rate one year ago was 6.52%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.38%.

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

    Austin 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 Austin level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    DHI MORTGAGE COMPANY, LTD. 66 4.61% $7,259
    EAGLE HOME MORTGAGE, LLC 51 4.47% $6,430
    VELOCIO MORTGAGE L.L.C. 42 4.42% $11,400
    CMG MORTGAGE, INC. 12 5.09% $9,656
    PULTE MORTGAGE LLC 9 4.68% $5,046
    SFMC, LP 5 5.67% $12,059
    INSPIRE HOME LOANS INC. 5 4.65% $13,111
    KBHS HOME LOANS, LLC 4 5.38% $7,673
    UNITED WHOLESALE MORTGAGE, LLC 3 6.50% $10,116
    Paramount Residential Mortgage Group, Inc. 3 6.17% $8,472
    NEWREZ LLC 2 5.94% $12,360
    GUILD MORTGAGE COMPANY 2 5.63% $8,598
    HOME FINANCING UNLIMITED, INC. 2 5.31% $9,208
    SWBC MORTGAGE CORPORATION 2 5.94% $6,809
    AMERICAN FINANCIAL NETWORK, INC. 1 6.00% $6,710
    HOMESIDE FINANCIAL, LLC 1 6.25% $18,552
    PLAZA HOME MORTGAGE, INC. 1 6.13% $10,567
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 4.75% $10,061
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.75% $10,933
    SECURITYNATIONAL MORTGAGE COMPANY 1 5.25% $8,144
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $11,318
    South Pacific Financial Corporation 1 4.88% $7,564
    SUMMIT FUNDING, INC. 1 6.38% $10,421
    American Mortgage & Equity Consultants, Inc. 1 7.13% $11,379
    TruHome Solutions, LLC 1 6.13% $11,680
    CANOPY MORTGAGE, LLC 1 6.75% $9,494
    UNIVERSITY Federal Credit Union 1 6.13% $7,273
    US MORTGAGE CORPORATION 1 6.13% $13,584
    LOANDEPOT.COM, LLC 1 6.63% $6,538

    The top Austin USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 66 USDA loans originated. Their average total fees are $7,259, which is $829 higher than the next largest lender, EAGLE HOME MORTGAGE, LLC.

    The lowest fee Austin USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($6,430), DHI MORTGAGE COMPANY, LTD. ($7,259), CMG MORTGAGE, INC. ($9,656), VELOCIO MORTGAGE L.L.C. ($11,400) and .

    The lowest rate Austin USDA lenders (with over 10 loans originated) are VELOCIO MORTGAGE L.L.C. (4.42%), EAGLE HOME MORTGAGE, LLC (4.47%), DHI MORTGAGE COMPANY, LTD. (4.61%), CMG MORTGAGE, INC. (5.09%) and .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Austin (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 $359,920 (-7.5%) $554,842 (-5.1%) 1.33 5,909
    2018-02-01 $365,500 (-7.2%) $564,789 (-5.1%) 1.33 5,883
    2018-03-01 $372,943 (-5.0%) $571,884 (-4.4%) 1.31 6,335
    2018-04-01 $376,249 (-5.7%) $581,998 (-3.9%) 1.28 6,922
    2018-05-01 $375,000 (-5.9%) $577,404 (-3.1%) 1.25 7,435
    2018-06-01 $374,900 (-4.6%) $569,858 (-3.2%) 1.25 7,943
    2018-07-01 $368,900 (-4.2%) $550,738 (-4.7%) 1.23 8,247
    2018-08-01 $362,481 (-3.8%) $538,457 (-3.6%) 1.21 8,369
    2018-09-01 $359,000 (-3.2%) $535,475 (-4.3%) 1.21 8,364
    2018-10-01 $349,995 (-4.1%) $533,497 (-4.0%) 1.19 8,342
    2018-11-01 $349,900 (-4.1%) $528,593 (-4.4%) 1.19 7,906
    2018-12-01 $348,967 (-3.7%) $514,686 (-7.1%) 1.20 7,089
    2019-01-01 $348,495 (-3.2%) $515,425 (-7.1%) 1.20 6,446
    2019-02-01 $349,950 (-4.3%) $524,155 (-7.2%) 1.18 6,397
    2019-03-01 $358,571 (-3.9%) $543,203 (-5.0%) 1.17 6,671
    2019-04-01 $369,995 (-1.7%) $559,294 (-3.9%) 1.17 7,037
    2019-05-01 $370,956 (-1.1%) $571,300 (-1.1%) 1.16 7,323
    2019-06-01 $369,000 (-1.6%) $566,837 (-0.5%) 1.15 7,726
    2019-07-01 $364,021 (-1.3%) $561,011 (1.9%) 1.14 7,999
    2019-08-01 $362,187 (-0.1%) $558,828 (3.8%) 1.15 7,913
    2019-09-01 $360,901 (0.5%) $559,148 (4.4%) 1.16 7,638
    2019-10-01 $359,450 (2.7%) $559,240 (4.8%) 1.16 7,410
    2019-11-01 $355,000 (1.5%) $558,977 (5.8%) 1.16 6,890
    2019-12-01 $349,996 (0.3%) $551,663 (7.2%) 1.17 6,059
    2020-01-01 $350,466 (0.6%) $557,167 (8.1%) 1.17 5,438
    2020-02-01 $363,845 (4.0%) $594,072 (13.3%) 1.19 5,102
    2020-03-01 $374,996 (4.6%) $607,750 (11.9%) 1.18 5,380
    2020-04-01 $369,745 (-0.1%) $570,066 (1.9%) 1.16 6,075
    2020-05-01 $379,999 (2.4%) $599,651 (5.0%) 1.16 6,360
    2020-06-01 $395,000 (7.1%) $639,219 (12.8%) 1.16 5,665
    2020-07-01 $396,495 (8.9%) $633,499 (12.9%) 1.15 5,313
    2020-08-01 $399,999 (10.4%) $646,974 (15.8%) 1.15 4,897
    2020-09-01 $415,495 (15.1%) $665,438 (19.0%) 1.19 4,175
    2020-10-01 $420,000 (16.9%) $682,490 (22.0%) 1.20 3,880
    2020-11-01 $422,250 (18.9%) $681,955 (22.0%) 1.23 3,346
    2020-12-01 $428,950 (22.6%) $688,970 (24.9%) 1.28 2,693
    2021-01-01 $434,990 (24.1%) $713,704 (28.1%) 1.30 1,809
    2021-02-01 $448,995 (23.4%) $746,021 (25.6%) 1.31 1,377
    2021-03-01 $467,498 (24.7%) $727,846 (19.8%) 1.33 1,538
    2021-04-01 $497,500 (34.6%) $747,424 (31.1%) 1.35 1,702
    2021-05-01 $500,000 (31.6%) $755,916 (26.1%) 1.33 1,945
    2021-06-01 $530,000 (34.2%) $767,084 (20.0%) 1.40 2,369
    2021-07-01 $540,000 (36.2%) $760,259 (20.0%) 1.42 3,072
    2021-08-01 $545,868 (36.5%) $747,344 (15.5%) 1.46 3,537
    2021-09-01 $546,975 (31.6%) $753,091 (13.2%) 1.46 3,791
    2021-10-01 $549,900 (30.9%) $760,167 (11.4%) 1.47 3,632
    2021-11-01 $549,450 (30.1%) $771,827 (13.2%) 1.47 3,179
    2021-12-01 $544,500 (26.9%) $772,207 (12.1%) 1.48 2,465
    2022-01-01 $549,000 (26.2%) $807,178 (13.1%) 1.48 1,741
    2022-02-01 $577,497 (28.6%) $873,523 (17.1%) 1.50 1,403
    2022-03-01 $600,000 (28.3%) $910,444 (25.1%) 1.50 1,582
    2022-04-01 $625,000 (25.6%) $937,589 (25.4%) 1.49 2,010
    2022-05-01 $629,479 (25.9%) $904,405 (19.6%) 1.44 3,588
    2022-06-01 $622,445 (17.4%) $871,589 (13.6%) 1.39 5,602
    2022-07-01 $599,800 (11.1%) $851,024 (11.9%) 1.35 7,395
    2022-08-01 $575,000 (5.3%) $824,256 (10.3%) 1.33 8,226
    2022-09-01 $559,089 (2.2%) $803,164 (6.7%) 1.31 8,490
    2022-10-01 $549,900 (0.0%) $798,097 (5.0%) 1.29 8,593
    2022-11-01 $531,430 (-3.3%) $783,468 (1.5%) 1.28 8,322
    2022-12-01 $525,000 (-3.6%) $776,336 (0.5%) 1.30 7,079
    2023-01-01 $522,000 (-4.9%) $774,660 (-4.0%) 1.29 6,302
    2023-02-01 $530,998 (-8.1%) $810,762 (-7.2%) 1.28 6,111
    2023-03-01 $549,945 (-8.3%) $837,353 (-8.0%) 1.30 6,526
    2023-04-01 $569,000 (-9.0%) $862,864 (-8.0%) 1.32 7,197
    2023-05-01 $583,505 (-7.3%) $881,634 (-2.5%) 1.32 7,624
    2023-06-01 $580,000 (-6.8%) $880,877 (1.1%) 1.30 8,281
    2023-07-01 $575,000 (-4.1%) $866,565 (1.8%) 1.31 8,519
    2023-08-01 $568,448 (-1.1%) $853,235 (3.5%) 1.31 8,609
    2023-09-01 $557,000 (-0.4%) $852,547 (6.2%) 1.30 8,721
    2023-10-01 $549,900 (0.0%) $844,116 (5.8%) 1.29 8,758
    2023-11-01 $549,495 (3.4%) $831,478 (6.1%) 1.31 8,496
    2023-12-01 $539,990 (2.9%) $825,179 (6.3%) 1.32 7,317
    2024-01-01 $544,988 (4.4%) $827,848 (6.9%) 1.33 6,431
    2024-02-01 $542,000 (2.1%) $835,846 (3.1%) 1.30 6,608
    2024-03-01 $549,783 (0.0%) $867,123 (3.6%) 1.29 7,556
    2024-04-01 $557,748 (-2.0%) $878,866 (1.9%) 1.30 8,895
    2024-05-01 $560,000 (-4.0%) $874,761 (-0.8%) 1.27 9,902
    2024-06-01 $549,900 (-5.2%) $848,485 (-3.7%) 1.25 10,911
    2024-07-01 $537,000 (-6.6%) $822,213 (-5.1%) 1.23 11,114
    2024-08-01 $525,000 (-7.6%) $805,343 (-5.6%) 1.22 10,814
    2024-09-01 $520,000 (-6.6%) $800,881 (-6.1%) 1.22 10,710
    2024-10-01 $520,000 (-5.4%) $806,414 (-4.5%) 1.22 10,377
    2024-11-01 $499,990 (-9.0%) $776,834 (-6.6%) 1.20 9,806
    2024-12-01 $498,500 (-7.7%) $770,997 (-6.6%) 1.24 8,258
    2025-01-01 $494,667 (-9.2%) $764,878 (-7.6%) 1.24 7,488
    2025-02-01 $499,000 (-7.9%) $780,770 (-6.6%) 1.21 7,905
    2025-03-01 $510,000 (-7.2%) $800,485 (-7.7%) 0.00 9,229
    Austin's median listing price for 2025-03-01 was $510,000, a difference of $-39,783 (-7.2%) versus the prior year and $11,000 versus the prior month.

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

    Austin's average listing price for 2025-03-01 was $800,485, a difference of $-66,638 (-7.7%) versus the prior year and $19,715 versus the prior month.

    For the 2025-03-01 period, Austin had 9,229 MLS listings, a difference of 1,324 listings (17%) versus the prior month and 1,673 listings (22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Austin (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 72 days 2,253 sqft
    2018-02-01 60 days 2,277 sqft
    2018-03-01 44 days 2,306 sqft
    2018-04-01 41 days 2,327 sqft
    2018-05-01 42 days 2,312 sqft
    2018-06-01 46 days 2,298 sqft
    2018-07-01 50 days 2,274 sqft
    2018-08-01 52 days 2,236 sqft
    2018-09-01 57 days 2,213 sqft
    2018-10-01 60 days 2,181 sqft
    2018-11-01 63 days 2,173 sqft
    2018-12-01 70 days 2,164 sqft
    2019-01-01 76 days 2,143 sqft
    2019-02-01 62 days 2,161 sqft
    2019-03-01 48 days 2,198 sqft
    2019-04-01 44 days 2,222 sqft
    2019-05-01 44 days 2,218 sqft
    2019-06-01 44 days 2,209 sqft
    2019-07-01 48 days 2,199 sqft
    2019-08-01 50 days 2,180 sqft
    2019-09-01 55 days 2,168 sqft
    2019-10-01 57 days 2,158 sqft
    2019-11-01 60 days 2,150 sqft
    2019-12-01 67 days 2,140 sqft
    2020-01-01 69 days 2,145 sqft
    2020-02-01 59 days 2,150 sqft
    2020-03-01 43 days 2,154 sqft
    2020-04-01 43 days 2,124 sqft
    2020-05-01 51 days 2,150 sqft
    2020-06-01 52 days 2,158 sqft
    2020-07-01 47 days 2,116 sqft
    2020-08-01 44 days 2,089 sqft
    2020-09-01 49 days 2,067 sqft
    2020-10-01 45 days 2,018 sqft
    2020-11-01 45 days 1,966 sqft
    2020-12-01 52 days 1,953 sqft
    2021-01-01 53 days 1,938 sqft
    2021-02-01 35 days 1,939 sqft
    2021-03-01 26 days 2,027 sqft
    2021-04-01 20 days 2,058 sqft
    2021-05-01 22 days 2,068 sqft
    2021-06-01 14 days 2,054 sqft
    2021-07-01 17 days 2,087 sqft
    2021-08-01 23 days 2,100 sqft
    2021-09-01 28 days 2,102 sqft
    2021-10-01 31 days 2,090 sqft
    2021-11-01 37 days 2,103 sqft
    2021-12-01 46 days 2,093 sqft
    2022-01-01 46 days 2,088 sqft
    2022-02-01 20 days 2,066 sqft
    2022-03-01 15 days 2,073 sqft
    2022-04-01 14 days 2,111 sqft
    2022-05-01 16 days 2,125 sqft
    2022-06-01 21 days 2,149 sqft
    2022-07-01 30 days 2,110 sqft
    2022-08-01 40 days 2,101 sqft
    2022-09-01 51 days 2,085 sqft
    2022-10-01 56 days 2,070 sqft
    2022-11-01 60 days 2,051 sqft
    2022-12-01 72 days 2,047 sqft
    2023-01-01 79 days 2,045 sqft
    2023-02-01 70 days 2,074 sqft
    2023-03-01 51 days 2,093 sqft
    2023-04-01 44 days 2,123 sqft
    2023-05-01 44 days 2,134 sqft
    2023-06-01 45 days 2,138 sqft
    2023-07-01 50 days 2,134 sqft
    2023-08-01 55 days 2,125 sqft
    2023-09-01 58 days 2,117 sqft
    2023-10-01 60 days 2,095 sqft
    2023-11-01 65 days 2,099 sqft
    2023-12-01 74 days 2,087 sqft
    2024-01-01 77 days 2,093 sqft
    2024-02-01 60 days 2,086 sqft
    2024-03-01 40 days 2,090 sqft
    2024-04-01 42 days 2,102 sqft
    2024-05-01 43 days 2,106 sqft
    2024-06-01 51 days 2,092 sqft
    2024-07-01 58 days 2,078 sqft
    2024-08-01 65 days 2,072 sqft
    2024-09-01 72 days 2,070 sqft
    2024-10-01 73 days 2,067 sqft
    2024-11-01 77 days 2,038 sqft
    2024-12-01 80 days 2,019 sqft
    2025-01-01 82 days 2,014 sqft
    2025-02-01 66 days 2,017 sqft
    2025-03-01 0 days 2,038 sqft
    Austin'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.

    Austin's median square footage for active listings during the 2025-03-01 period was 2,038 sqft. One year prior, the average listing was 2,090 sqft.