Eagle Pass USDA Loan Rates, Closing Costs & Stats
Eagle Pass, 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.
Eagle Pass's 2 lenders originated 13 USDA loans during 2023. The total origination value was $2,645,000, with an average USDA loan value of $203,462.
Eagle Pass USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Eagle Pass
averaged
6.04%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Eagle Pass's average USDA mortgage closing costs are $5,121.
The average rate for the prior week (2024-12-06) was
6.18% and
one month ago for the week of 2024-11-08, the
average rate was 6.19%.
The average rate one year ago was 6.76%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.5%.
Eagle Pass 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 Eagle Pass level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 11 | 5.94% | $9,133 |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | 6.00% | $9,730 |
The top Eagle Pass USDA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
11 USDA loans originated. Their average total fees are
$9,133, which is $596
lower than the next largest lender,
AMERICAN FINANCIAL RESOURCES, INC..
The lowest fee Eagle Pass USDA lenders (with over 10 loans originated) are
FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($9,133), .
The lowest rate Eagle Pass USDA lenders (with over 10 loans originated) are
FAIRWAY INDEPENDENT MORTGAGE CORPORATION (5.94%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Eagle Pass (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 | $151,500 (2.4%) | $167,749 (5.9%) | 0.00 | 218 |
| 2018-02-01 | $149,500 (2.1%) | $169,915 (9.2%) | 0.00 | 222 |
| 2018-03-01 | $145,000 (0.0%) | $166,487 (7.1%) | 0.00 | 232 |
| 2018-04-01 | $145,000 (-1.0%) | $167,204 (6.5%) | 0.00 | 233 |
| 2018-05-01 | $148,500 (-0.1%) | $169,937 (7.2%) | 0.00 | 243 |
| 2018-06-01 | $149,000 (1.7%) | $168,106 (6.7%) | 0.00 | 243 |
| 2018-07-01 | $148,750 (2.6%) | $167,010 (5.6%) | 0.00 | 255 |
| 2018-08-01 | $146,500 (0.3%) | $166,196 (5.3%) | 0.00 | 265 |
| 2018-09-01 | $155,000 (3.9%) | $171,204 (5.3%) | 0.00 | 263 |
| 2018-10-01 | $159,200 (7.5%) | $174,095 (6.3%) | 0.00 | 258 |
| 2018-11-01 | $158,250 (6.4%) | $172,891 (4.8%) | 0.00 | 252 |
| 2018-12-01 | $156,000 (4.7%) | $171,711 (2.7%) | 0.00 | 239 |
| 2019-01-01 | $152,875 (0.9%) | $172,253 (2.7%) | 0.00 | 234 |
| 2019-02-01 | $149,850 (0.2%) | $170,298 (0.2%) | 0.00 | 244 |
| 2019-03-01 | $148,929 (2.7%) | $167,811 (0.8%) | 0.00 | 232 |
| 2019-04-01 | $148,029 (2.1%) | $167,384 (0.1%) | 0.00 | 210 |
| 2019-05-01 | $150,000 (1.0%) | $172,780 (1.7%) | 0.00 | 196 |
| 2019-06-01 | $150,000 (0.7%) | $173,607 (3.3%) | 0.00 | 190 |
| 2019-07-01 | $150,000 (0.8%) | $174,147 (4.3%) | 0.00 | 193 |
| 2019-08-01 | $148,636 (1.5%) | $171,343 (3.1%) | 0.00 | 198 |
| 2019-09-01 | $146,591 (-5.4%) | $167,762 (-2.0%) | 0.00 | 199 |
| 2019-10-01 | $145,000 (-8.9%) | $166,354 (-4.5%) | 0.00 | 204 |
| 2019-11-01 | $145,000 (-8.4%) | $165,959 (-4.0%) | 0.00 | 218 |
| 2019-12-01 | $149,875 (-3.9%) | $167,848 (-2.3%) | 0.00 | 219 |
| 2020-01-01 | $150,000 (-1.9%) | $166,912 (-3.1%) | 0.00 | 219 |
| 2020-02-01 | $152,500 (1.8%) | $166,314 (-2.3%) | 0.00 | 229 |
| 2020-03-01 | $156,325 (5.0%) | $172,155 (2.6%) | 0.00 | 224 |
| 2020-04-01 | $162,125 (9.5%) | $176,251 (5.3%) | 0.00 | 225 |
| 2020-05-01 | $160,000 (6.7%) | $174,074 (0.8%) | 0.00 | 212 |
| 2020-06-01 | $160,000 (6.7%) | $176,468 (1.7%) | 0.00 | 201 |
| 2020-07-01 | $166,000 (10.7%) | $177,021 (1.7%) | 0.00 | 199 |
| 2020-08-01 | $160,000 (7.7%) | $171,987 (0.4%) | 0.00 | 185 |
| 2020-09-01 | $166,750 (13.8%) | $175,959 (4.9%) | 0.00 | 176 |
| 2020-10-01 | $160,000 (10.3%) | $171,437 (3.1%) | 0.00 | 169 |
| 2020-11-01 | $164,925 (13.7%) | $173,710 (4.7%) | 0.00 | 158 |
| 2020-12-01 | $165,500 (10.4%) | $178,713 (6.5%) | 0.00 | 151 |
| 2021-01-01 | $165,000 (10.0%) | $177,703 (6.5%) | 0.00 | 148 |
| 2021-02-01 | $175,000 (14.8%) | $183,982 (10.6%) | 0.00 | 152 |
| 2021-03-01 | $175,000 (12.0%) | $184,355 (7.1%) | 0.00 | 142 |
| 2021-04-01 | $175,000 (7.9%) | $187,136 (6.2%) | 0.00 | 136 |
| 2021-05-01 | $167,000 (4.4%) | $184,719 (6.1%) | 0.00 | 122 |
| 2021-06-01 | $159,000 (-0.6%) | $186,333 (5.6%) | 0.00 | 118 |
| 2021-07-01 | $175,000 (5.4%) | $192,401 (8.7%) | 0.00 | 124 |
| 2021-08-01 | $177,500 (10.9%) | $192,895 (12.2%) | 0.00 | 116 |
| 2021-09-01 | $176,000 (5.6%) | $195,836 (11.3%) | 0.00 | 107 |
| 2021-10-01 | $171,500 (7.2%) | $191,533 (11.7%) | 0.00 | 109 |
| 2021-11-01 | $174,475 (5.8%) | $192,137 (10.6%) | 0.00 | 113 |
| 2021-12-01 | $182,500 (10.3%) | $195,657 (9.5%) | 0.00 | 116 |
| 2022-01-01 | $189,000 (14.6%) | $194,229 (9.3%) | 0.00 | 115 |
| 2022-02-01 | $198,500 (13.4%) | $202,590 (10.1%) | 0.00 | 136 |
| 2022-03-01 | $199,525 (14.0%) | $205,313 (11.4%) | 0.00 | 129 |
| 2022-04-01 | $219,900 (25.7%) | $218,489 (16.8%) | 0.00 | 123 |
| 2022-05-01 | $219,600 (31.5%) | $220,844 (19.6%) | 0.00 | 125 |
| 2022-06-01 | $219,250 (37.9%) | $222,696 (19.5%) | 0.00 | 136 |
| 2022-07-01 | $225,000 (28.6%) | $226,898 (17.9%) | 0.00 | 142 |
| 2022-08-01 | $235,000 (32.4%) | $240,351 (24.6%) | 0.00 | 148 |
| 2022-09-01 | $235,400 (33.8%) | $243,724 (24.5%) | 0.00 | 153 |
| 2022-10-01 | $235,800 (37.5%) | $252,905 (32.0%) | 0.00 | 166 |
| 2022-11-01 | $235,250 (34.8%) | $251,294 (30.8%) | 0.00 | 173 |
| 2022-12-01 | $237,800 (30.3%) | $253,880 (29.8%) | 0.00 | 170 |
| 2023-01-01 | $239,925 (26.9%) | $256,063 (31.8%) | 0.00 | 151 |
| 2023-02-01 | $237,475 (19.6%) | $262,515 (29.6%) | 0.00 | 152 |
| 2023-03-01 | $235,000 (17.8%) | $260,471 (26.9%) | 0.00 | 136 |
| 2023-04-01 | $230,000 (4.6%) | $251,505 (15.1%) | 0.00 | 127 |
| 2023-05-01 | $248,500 (13.2%) | $266,577 (20.7%) | 0.00 | 120 |
| 2023-06-01 | $259,750 (18.5%) | $273,727 (22.9%) | 0.00 | 129 |
| 2023-07-01 | $260,000 (15.6%) | $274,786 (21.1%) | 0.00 | 125 |
| 2023-08-01 | $263,500 (12.1%) | $276,956 (15.2%) | 0.00 | 133 |
| 2023-09-01 | $265,000 (12.6%) | $275,402 (13.0%) | 0.00 | 130 |
| 2023-10-01 | $263,500 (11.8%) | $275,200 (8.8%) | 0.00 | 131 |
| 2023-11-01 | $259,975 (10.5%) | $276,175 (9.9%) | 0.00 | 137 |
| 2023-12-01 | $256,300 (7.8%) | $279,630 (10.1%) | 0.00 | 137 |
| 2024-01-01 | $257,800 (7.5%) | $287,047 (12.1%) | 0.00 | 137 |
| 2024-02-01 | $259,125 (9.1%) | $283,166 (7.9%) | 0.00 | 142 |
| 2024-03-01 | $259,750 (10.5%) | $281,747 (8.2%) | 0.00 | 145 |
| 2024-04-01 | $258,500 (12.4%) | $279,430 (11.1%) | 0.00 | 135 |
| 2024-05-01 | $265,000 (6.6%) | $285,480 (7.1%) | 0.00 | 134 |
| 2024-06-01 | $265,000 (2.0%) | $286,077 (4.5%) | 0.00 | 140 |
| 2024-07-01 | $275,000 (5.8%) | $288,800 (5.1%) | 0.00 | 155 |
| 2024-08-01 | $278,000 (5.5%) | $291,969 (5.4%) | 0.00 | 162 |
| 2024-09-01 | $278,000 (4.9%) | $291,175 (5.7%) | 0.00 | 172 |
| 2024-10-01 | $275,000 (4.4%) | $287,415 (4.4%) | 0.00 | 178 |
| 2024-11-01 | $275,250 (5.9%) | $288,741 (4.6%) | 0.00 | 180 |
Eagle Pass's median listing price comes in at 0% of the national average.
Eagle Pass's average listing price for 2024-11-01 was $288,741, a difference of $12,566 (4.6%) versus the prior year and $1,326 versus the prior month.
For the 2024-11-01 period, Eagle Pass had 180 MLS listings, a difference of 2 listings (1%) versus the prior month and 43 listings (31%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Eagle Pass (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,651 sqft |
| 2018-02-01 | 0 days | 1,653 sqft |
| 2018-03-01 | 0 days | 1,567 sqft |
| 2018-04-01 | 0 days | 1,570 sqft |
| 2018-05-01 | 0 days | 1,587 sqft |
| 2018-06-01 | 0 days | 1,592 sqft |
| 2018-07-01 | 0 days | 1,596 sqft |
| 2018-08-01 | 0 days | 1,598 sqft |
| 2018-09-01 | 0 days | 1,605 sqft |
| 2018-10-01 | 0 days | 1,616 sqft |
| 2018-11-01 | 0 days | 1,566 sqft |
| 2018-12-01 | 0 days | 1,560 sqft |
| 2019-01-01 | 0 days | 1,530 sqft |
| 2019-02-01 | 0 days | 1,524 sqft |
| 2019-03-01 | 0 days | 1,511 sqft |
| 2019-04-01 | 0 days | 1,504 sqft |
| 2019-05-01 | 0 days | 1,549 sqft |
| 2019-06-01 | 0 days | 1,550 sqft |
| 2019-07-01 | 0 days | 1,548 sqft |
| 2019-08-01 | 0 days | 1,528 sqft |
| 2019-09-01 | 0 days | 1,503 sqft |
| 2019-10-01 | 0 days | 1,498 sqft |
| 2019-11-01 | 0 days | 1,493 sqft |
| 2019-12-01 | 0 days | 1,519 sqft |
| 2020-01-01 | 0 days | 1,506 sqft |
| 2020-02-01 | 0 days | 1,491 sqft |
| 2020-03-01 | 0 days | 1,507 sqft |
| 2020-04-01 | 0 days | 1,529 sqft |
| 2020-05-01 | 0 days | 1,516 sqft |
| 2020-06-01 | 0 days | 1,510 sqft |
| 2020-07-01 | 0 days | 1,481 sqft |
| 2020-08-01 | 0 days | 1,454 sqft |
| 2020-09-01 | 0 days | 1,456 sqft |
| 2020-10-01 | 0 days | 1,464 sqft |
| 2020-11-01 | 0 days | 1,448 sqft |
| 2020-12-01 | 0 days | 1,445 sqft |
| 2021-01-01 | 0 days | 1,465 sqft |
| 2021-02-01 | 0 days | 1,467 sqft |
| 2021-03-01 | 0 days | 1,463 sqft |
| 2021-04-01 | 0 days | 1,503 sqft |
| 2021-05-01 | 0 days | 1,446 sqft |
| 2021-06-01 | 0 days | 1,431 sqft |
| 2021-07-01 | 0 days | 1,486 sqft |
| 2021-08-01 | 0 days | 1,490 sqft |
| 2021-09-01 | 0 days | 1,489 sqft |
| 2021-10-01 | 0 days | 1,499 sqft |
| 2021-11-01 | 0 days | 1,436 sqft |
| 2021-12-01 | 0 days | 1,418 sqft |
| 2022-01-01 | 0 days | 1,444 sqft |
| 2022-02-01 | 0 days | 1,452 sqft |
| 2022-03-01 | 0 days | 1,460 sqft |
| 2022-04-01 | 0 days | 1,486 sqft |
| 2022-05-01 | 0 days | 1,483 sqft |
| 2022-06-01 | 0 days | 1,483 sqft |
| 2022-07-01 | 0 days | 1,506 sqft |
| 2022-08-01 | 0 days | 1,532 sqft |
| 2022-09-01 | 0 days | 1,538 sqft |
| 2022-10-01 | 0 days | 1,540 sqft |
| 2022-11-01 | 0 days | 1,530 sqft |
| 2022-12-01 | 0 days | 1,530 sqft |
| 2023-01-01 | 0 days | 1,539 sqft |
| 2023-02-01 | 0 days | 1,539 sqft |
| 2023-03-01 | 0 days | 1,542 sqft |
| 2023-04-01 | 0 days | 1,544 sqft |
| 2023-05-01 | 0 days | 1,586 sqft |
| 2023-06-01 | 0 days | 1,581 sqft |
| 2023-07-01 | 0 days | 1,575 sqft |
| 2023-08-01 | 0 days | 1,555 sqft |
| 2023-09-01 | 0 days | 1,550 sqft |
| 2023-10-01 | 0 days | 1,543 sqft |
| 2023-11-01 | 0 days | 1,541 sqft |
| 2023-12-01 | 0 days | 1,523 sqft |
| 2024-01-01 | 0 days | 1,527 sqft |
| 2024-02-01 | 0 days | 1,530 sqft |
| 2024-03-01 | 0 days | 1,529 sqft |
| 2024-04-01 | 0 days | 1,530 sqft |
| 2024-05-01 | 0 days | 1,554 sqft |
| 2024-06-01 | 0 days | 1,554 sqft |
| 2024-07-01 | 0 days | 1,557 sqft |
| 2024-08-01 | 0 days | 1,575 sqft |
| 2024-09-01 | 0 days | 1,554 sqft |
| 2024-10-01 | 0 days | 1,549 sqft |
| 2024-11-01 | 0 days | 1,546 sqft |
Eagle Pass's median square footage for active listings during the 2024-11-01 period was 1,546 sqft. One year prior, the average listing was 1,541 sqft.