Corpus Christi USDA Loan Rates, Closing Costs & Stats
CORPUS CHRISTI, 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.
Corpus Christi's 1 lenders originated 1 USDA loans during 2023. The total origination value was $235,000, with an average USDA loan value of $235,000.
Corpus Christi USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Corpus Christi
averaged
6.49%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Corpus Christi's average USDA mortgage closing costs are $5,912.
The average rate for the prior week (2025-02-07) was
6.55% and
one month ago for the week of 2025-01-10, the
average rate was 6.5%.
The average rate one year ago was 6.39%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.84%.
Corpus Christi 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 Corpus Christi level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 1 | 5.63% | $16,764 |
The lowest fee Corpus Christi USDA lenders (with over 10 loans originated) are
.
The lowest rate Corpus Christi USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Corpus Christi (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 | $232,950 (-2.0%) | $305,127 (-4.1%) | 0.85 | 2,154 |
| 2018-02-01 | $236,975 (-1.0%) | $305,332 (-4.3%) | 0.85 | 2,146 |
| 2018-03-01 | $239,900 (0.0%) | $314,213 (-3.9%) | 0.84 | 2,143 |
| 2018-04-01 | $240,000 (-1.9%) | $317,108 (-4.3%) | 0.81 | 2,193 |
| 2018-05-01 | $239,950 (0.0%) | $320,182 (-2.5%) | 0.80 | 2,207 |
| 2018-06-01 | $239,900 (0.0%) | $318,740 (-3.1%) | 0.80 | 2,326 |
| 2018-07-01 | $239,900 (0.0%) | $319,046 (-1.7%) | 0.80 | 2,351 |
| 2018-08-01 | $239,975 (-0.4%) | $318,559 (-2.4%) | 0.80 | 2,393 |
| 2018-09-01 | $240,000 (0.3%) | $320,138 (0.6%) | 0.80 | 2,416 |
| 2018-10-01 | $240,075 (1.8%) | $321,052 (3.6%) | 0.80 | 2,410 |
| 2018-11-01 | $239,700 (2.3%) | $318,725 (4.9%) | 0.79 | 2,383 |
| 2018-12-01 | $239,990 (3.3%) | $319,607 (5.9%) | 0.81 | 2,258 |
| 2019-01-01 | $243,495 (4.5%) | $322,522 (5.7%) | 0.82 | 2,201 |
| 2019-02-01 | $245,000 (3.4%) | $326,130 (6.8%) | 0.81 | 2,265 |
| 2019-03-01 | $249,429 (4.0%) | $331,951 (5.7%) | 0.80 | 2,316 |
| 2019-04-01 | $254,200 (5.9%) | $338,536 (6.8%) | 0.79 | 2,374 |
| 2019-05-01 | $259,250 (8.0%) | $341,906 (6.8%) | 0.78 | 2,462 |
| 2019-06-01 | $255,000 (6.3%) | $344,382 (8.0%) | 0.78 | 2,472 |
| 2019-07-01 | $259,313 (8.1%) | $346,376 (8.6%) | 0.78 | 2,479 |
| 2019-08-01 | $259,000 (7.9%) | $347,571 (9.1%) | 0.79 | 2,438 |
| 2019-09-01 | $259,000 (7.9%) | $349,326 (9.1%) | 0.80 | 2,374 |
| 2019-10-01 | $259,000 (7.9%) | $350,153 (9.1%) | 0.81 | 2,309 |
| 2019-11-01 | $257,100 (7.3%) | $346,036 (8.6%) | 0.82 | 2,261 |
| 2019-12-01 | $256,625 (6.9%) | $344,710 (7.9%) | 0.83 | 2,194 |
| 2020-01-01 | $255,000 (4.7%) | $344,263 (6.7%) | 0.83 | 2,096 |
| 2020-02-01 | $264,000 (7.8%) | $357,067 (9.5%) | 0.83 | 2,080 |
| 2020-03-01 | $269,925 (8.2%) | $371,777 (12.0%) | 0.82 | 2,103 |
| 2020-04-01 | $268,900 (5.8%) | $372,929 (10.2%) | 0.81 | 2,088 |
| 2020-05-01 | $275,400 (6.2%) | $381,632 (11.6%) | 0.82 | 1,925 |
| 2020-06-01 | $281,450 (10.4%) | $389,133 (13.0%) | 0.79 | 1,684 |
| 2020-07-01 | $282,450 (8.9%) | $397,290 (14.7%) | 0.79 | 1,548 |
| 2020-08-01 | $289,000 (11.6%) | $397,842 (14.5%) | 0.80 | 1,467 |
| 2020-09-01 | $289,950 (12.0%) | $408,154 (16.8%) | 0.80 | 1,407 |
| 2020-10-01 | $289,950 (12.0%) | $405,055 (15.7%) | 0.80 | 1,344 |
| 2020-11-01 | $285,000 (10.9%) | $398,520 (15.2%) | 0.82 | 1,351 |
| 2020-12-01 | $282,450 (10.1%) | $396,189 (14.9%) | 0.81 | 1,272 |
| 2021-01-01 | $284,900 (11.7%) | $402,632 (17.0%) | 0.81 | 1,149 |
| 2021-02-01 | $284,900 (7.9%) | $405,305 (13.5%) | 0.79 | 1,061 |
| 2021-03-01 | $290,187 (7.5%) | $408,314 (9.8%) | 0.78 | 973 |
| 2021-04-01 | $293,415 (9.1%) | $416,636 (11.7%) | 0.75 | 905 |
| 2021-05-01 | $309,900 (12.5%) | $443,598 (16.2%) | 0.78 | 842 |
| 2021-06-01 | $303,750 (7.9%) | $446,811 (14.8%) | 0.77 | 847 |
| 2021-07-01 | $315,000 (11.5%) | $449,345 (13.1%) | 0.79 | 1,001 |
| 2021-08-01 | $314,475 (8.8%) | $441,412 (11.0%) | 0.80 | 1,083 |
| 2021-09-01 | $304,950 (5.2%) | $431,198 (5.7%) | 0.77 | 1,143 |
| 2021-10-01 | $315,000 (8.6%) | $434,415 (7.3%) | 0.79 | 1,131 |
| 2021-11-01 | $324,950 (14.0%) | $437,049 (9.7%) | 0.79 | 1,078 |
| 2021-12-01 | $311,450 (10.3%) | $430,014 (8.5%) | 0.78 | 1,004 |
| 2022-01-01 | $312,900 (9.8%) | $432,773 (7.5%) | 0.78 | 991 |
| 2022-02-01 | $327,450 (14.9%) | $456,449 (12.6%) | 0.78 | 892 |
| 2022-03-01 | $324,500 (11.8%) | $465,388 (14.0%) | 0.76 | 887 |
| 2022-04-01 | $336,475 (14.7%) | $465,058 (11.6%) | 0.75 | 951 |
| 2022-05-01 | $349,450 (12.8%) | $469,862 (5.9%) | 0.76 | 1,099 |
| 2022-06-01 | $349,950 (15.2%) | $474,211 (6.1%) | 0.74 | 1,288 |
| 2022-07-01 | $342,128 (8.6%) | $459,939 (2.4%) | 0.72 | 1,548 |
| 2022-08-01 | $332,000 (5.6%) | $451,819 (2.4%) | 0.72 | 1,677 |
| 2022-09-01 | $325,000 (6.6%) | $452,170 (4.9%) | 0.73 | 1,633 |
| 2022-10-01 | $323,900 (2.8%) | $452,634 (4.2%) | 0.73 | 1,676 |
| 2022-11-01 | $325,000 (0.0%) | $454,961 (4.1%) | 0.75 | 1,755 |
| 2022-12-01 | $324,900 (4.3%) | $447,537 (4.1%) | 0.77 | 1,664 |
| 2023-01-01 | $328,263 (4.9%) | $445,341 (2.9%) | 0.79 | 1,596 |
| 2023-02-01 | $335,000 (2.3%) | $456,400 (0.0%) | 0.79 | 1,564 |
| 2023-03-01 | $346,373 (6.7%) | $467,387 (0.4%) | 0.78 | 1,639 |
| 2023-04-01 | $359,900 (7.0%) | $485,167 (4.3%) | 0.81 | 1,666 |
| 2023-05-01 | $369,000 (5.6%) | $501,603 (6.8%) | 0.81 | 1,713 |
| 2023-06-01 | $374,365 (7.0%) | $507,012 (6.9%) | 0.81 | 1,921 |
| 2023-07-01 | $369,250 (7.9%) | $498,878 (8.5%) | 0.81 | 1,965 |
| 2023-08-01 | $374,725 (12.9%) | $502,717 (11.3%) | 0.82 | 2,054 |
| 2023-09-01 | $360,000 (10.8%) | $489,966 (8.4%) | 0.81 | 2,144 |
| 2023-10-01 | $359,992 (11.1%) | $491,607 (8.6%) | 0.82 | 2,217 |
| 2023-11-01 | $359,900 (10.7%) | $485,368 (6.7%) | 0.83 | 2,254 |
| 2023-12-01 | $359,000 (10.5%) | $478,879 (7.0%) | 0.83 | 2,231 |
| 2024-01-01 | $359,900 (9.6%) | $478,327 (7.4%) | 0.83 | 2,190 |
| 2024-02-01 | $356,240 (6.3%) | $474,232 (3.9%) | 0.81 | 2,243 |
| 2024-03-01 | $365,000 (5.4%) | $488,516 (4.5%) | 0.81 | 2,415 |
| 2024-04-01 | $368,850 (2.5%) | $493,336 (1.7%) | 0.81 | 2,547 |
| 2024-05-01 | $377,000 (2.2%) | $502,331 (0.2%) | 0.81 | 2,658 |
| 2024-06-01 | $380,000 (1.5%) | $507,742 (0.1%) | 0.83 | 2,779 |
| 2024-07-01 | $385,000 (4.3%) | $513,473 (2.9%) | 0.85 | 2,905 |
| 2024-08-01 | $375,000 (0.1%) | $499,699 (-0.6%) | 0.83 | 2,884 |
| 2024-09-01 | $364,950 (1.4%) | $491,568 (0.3%) | 0.82 | 2,911 |
| 2024-10-01 | $359,450 (-0.2%) | $483,691 (-1.6%) | 0.80 | 2,849 |
| 2024-11-01 | $349,999 (-2.8%) | $474,486 (-2.2%) | 0.80 | 2,882 |
| 2024-12-01 | $348,250 (-3.0%) | $469,162 (-2.0%) | 0.81 | 2,875 |
| 2025-01-01 | $343,750 (-4.5%) | $463,910 (-3.0%) | 0.00 | 2,762 |
Corpus Christi's median listing price comes in at 0% of the national average.
Corpus Christi's average listing price for 2025-01-01 was $463,910, a difference of $-14,417 (-3.0%) versus the prior year and $-5,252 versus the prior month.
For the 2025-01-01 period, Corpus Christi had 2,762 MLS listings, a difference of -113 listings (-4%) versus the prior month and 572 listings (26%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Corpus Christi (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 98 days | 1,809 sqft |
| 2018-02-01 | 88 days | 1,813 sqft |
| 2018-03-01 | 66 days | 1,826 sqft |
| 2018-04-01 | 63 days | 1,839 sqft |
| 2018-05-01 | 65 days | 1,835 sqft |
| 2018-06-01 | 64 days | 1,844 sqft |
| 2018-07-01 | 62 days | 1,852 sqft |
| 2018-08-01 | 65 days | 1,859 sqft |
| 2018-09-01 | 73 days | 1,875 sqft |
| 2018-10-01 | 77 days | 1,880 sqft |
| 2018-11-01 | 82 days | 1,874 sqft |
| 2018-12-01 | 87 days | 1,850 sqft |
| 2019-01-01 | 93 days | 1,835 sqft |
| 2019-02-01 | 83 days | 1,809 sqft |
| 2019-03-01 | 76 days | 1,812 sqft |
| 2019-04-01 | 72 days | 1,816 sqft |
| 2019-05-01 | 73 days | 1,820 sqft |
| 2019-06-01 | 75 days | 1,824 sqft |
| 2019-07-01 | 73 days | 1,827 sqft |
| 2019-08-01 | 76 days | 1,838 sqft |
| 2019-09-01 | 77 days | 1,847 sqft |
| 2019-10-01 | 80 days | 1,852 sqft |
| 2019-11-01 | 89 days | 1,845 sqft |
| 2019-12-01 | 96 days | 1,816 sqft |
| 2020-01-01 | 92 days | 1,809 sqft |
| 2020-02-01 | 87 days | 1,796 sqft |
| 2020-03-01 | 68 days | 1,806 sqft |
| 2020-04-01 | 73 days | 1,785 sqft |
| 2020-05-01 | 85 days | 1,826 sqft |
| 2020-06-01 | 86 days | 1,842 sqft |
| 2020-07-01 | 73 days | 1,872 sqft |
| 2020-08-01 | 75 days | 1,871 sqft |
| 2020-09-01 | 73 days | 1,869 sqft |
| 2020-10-01 | 71 days | 1,866 sqft |
| 2020-11-01 | 71 days | 1,788 sqft |
| 2020-12-01 | 81 days | 1,788 sqft |
| 2021-01-01 | 85 days | 1,772 sqft |
| 2021-02-01 | 66 days | 1,782 sqft |
| 2021-03-01 | 64 days | 1,771 sqft |
| 2021-04-01 | 60 days | 1,731 sqft |
| 2021-05-01 | 51 days | 1,787 sqft |
| 2021-06-01 | 52 days | 1,769 sqft |
| 2021-07-01 | 45 days | 1,777 sqft |
| 2021-08-01 | 51 days | 1,758 sqft |
| 2021-09-01 | 52 days | 1,748 sqft |
| 2021-10-01 | 56 days | 1,763 sqft |
| 2021-11-01 | 59 days | 1,768 sqft |
| 2021-12-01 | 57 days | 1,744 sqft |
| 2022-01-01 | 63 days | 1,735 sqft |
| 2022-02-01 | 56 days | 1,772 sqft |
| 2022-03-01 | 48 days | 1,763 sqft |
| 2022-04-01 | 39 days | 1,745 sqft |
| 2022-05-01 | 38 days | 1,779 sqft |
| 2022-06-01 | 40 days | 1,755 sqft |
| 2022-07-01 | 44 days | 1,757 sqft |
| 2022-08-01 | 51 days | 1,689 sqft |
| 2022-09-01 | 63 days | 1,667 sqft |
| 2022-10-01 | 68 days | 1,703 sqft |
| 2022-11-01 | 77 days | 1,715 sqft |
| 2022-12-01 | 75 days | 1,713 sqft |
| 2023-01-01 | 82 days | 1,713 sqft |
| 2023-02-01 | 73 days | 1,710 sqft |
| 2023-03-01 | 62 days | 1,715 sqft |
| 2023-04-01 | 62 days | 1,715 sqft |
| 2023-05-01 | 64 days | 1,709 sqft |
| 2023-06-01 | 57 days | 1,717 sqft |
| 2023-07-01 | 59 days | 1,712 sqft |
| 2023-08-01 | 64 days | 1,723 sqft |
| 2023-09-01 | 65 days | 1,711 sqft |
| 2023-10-01 | 67 days | 1,706 sqft |
| 2023-11-01 | 72 days | 1,703 sqft |
| 2023-12-01 | 78 days | 1,674 sqft |
| 2024-01-01 | 80 days | 1,673 sqft |
| 2024-02-01 | 74 days | 1,657 sqft |
| 2024-03-01 | 62 days | 1,641 sqft |
| 2024-04-01 | 64 days | 1,625 sqft |
| 2024-05-01 | 69 days | 1,623 sqft |
| 2024-06-01 | 71 days | 1,630 sqft |
| 2024-07-01 | 76 days | 1,639 sqft |
| 2024-08-01 | 80 days | 1,626 sqft |
| 2024-09-01 | 86 days | 1,623 sqft |
| 2024-10-01 | 85 days | 1,619 sqft |
| 2024-11-01 | 84 days | 1,635 sqft |
| 2024-12-01 | 86 days | 1,635 sqft |
| 2025-01-01 | 0 days | 1,640 sqft |
Corpus Christi's median square footage for active listings during the 2025-01-01 period was 1,640 sqft. One year prior, the average listing was 1,673 sqft.