El Campo USDA Loan Rates, Closing Costs & Stats

El Campo, 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.

    El Campo's 1 lenders originated 2 USDA loans during 2023. The total origination value was $350,000, with an average USDA loan value of $175,000.

    El Campo USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in El Campo averaged 0.11% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    El Campo's average USDA mortgage closing costs are $5,818.

    The average rate for the prior week (2024-11-08) was 6.56% and one month ago for the week of 2024-10-11, the average rate was 6.42%.

    The average rate one year ago was 7.65%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.1%.

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

    El Campo 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 El Campo level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CORNERSTONE HOME LENDING, INC. 1 7.00% $8,282

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - El Campo (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 $183,500 (7.6%) $204,283 (8.5%) 0.00 111
    2018-02-01 $189,000 (8.0%) $217,507 (14.6%) 0.00 104
    2018-03-01 $183,500 (-2.4%) $216,244 (8.2%) 0.00 107
    2018-04-01 $193,500 (-0.8%) $223,029 (4.7%) 0.00 119
    2018-05-01 $195,950 (0.1%) $231,238 (8.2%) 0.00 122
    2018-06-01 $198,800 (-4.2%) $234,755 (3.6%) 0.00 132
    2018-07-01 $209,500 (5.1%) $238,921 (7.2%) 0.00 127
    2018-08-01 $202,000 (3.6%) $238,447 (8.4%) 0.00 136
    2018-09-01 $189,000 (-3.1%) $221,707 (2.1%) 0.00 136
    2018-10-01 $174,313 (-9.4%) $210,479 (1.5%) 0.00 138
    2018-11-01 $188,000 (-2.8%) $209,948 (2.3%) 0.00 136
    2018-12-01 $187,000 (3.9%) $214,719 (6.6%) 0.00 134
    2019-01-01 $189,375 (3.2%) $219,080 (7.2%) 0.00 124
    2019-02-01 $181,250 (-4.1%) $216,762 (-0.3%) 0.00 136
    2019-03-01 $189,214 (3.1%) $225,621 (4.3%) 0.00 131
    2019-04-01 $192,250 (-0.7%) $230,711 (3.4%) 0.00 124
    2019-05-01 $192,250 (-1.9%) $234,595 (1.5%) 0.00 119
    2019-06-01 $189,000 (-4.9%) $235,021 (0.1%) 0.00 120
    2019-07-01 $190,675 (-9.0%) $231,142 (-3.3%) 0.00 133
    2019-08-01 $189,723 (-6.1%) $228,310 (-4.3%) 0.00 134
    2019-09-01 $189,457 (0.2%) $223,712 (0.9%) 0.00 130
    2019-10-01 $190,780 (9.5%) $219,375 (4.2%) 0.00 132
    2019-11-01 $184,900 (-1.7%) $215,056 (2.4%) 0.00 136
    2019-12-01 $184,950 (-1.1%) $222,350 (3.6%) 0.00 126
    2020-01-01 $180,000 (-5.0%) $211,815 (-3.3%) 0.00 117
    2020-02-01 $198,500 (9.5%) $232,065 (7.1%) 0.00 126
    2020-03-01 $191,223 (1.1%) $229,447 (1.7%) 0.00 132
    2020-04-01 $187,500 (-2.5%) $221,328 (-4.1%) 0.00 129
    2020-05-01 $195,000 (1.4%) $230,598 (-1.7%) 0.00 130
    2020-06-01 $201,850 (6.8%) $230,040 (-2.1%) 0.00 133
    2020-07-01 $188,998 (-0.9%) $221,253 (-4.3%) 0.00 119
    2020-08-01 $193,000 (1.7%) $233,010 (2.1%) 0.00 116
    2020-09-01 $188,637 (-0.4%) $231,770 (3.6%) 0.00 116
    2020-10-01 $185,000 (-3.0%) $224,204 (2.2%) 0.00 111
    2020-11-01 $179,419 (-3.0%) $222,770 (3.6%) 0.00 98
    2020-12-01 $179,225 (-3.1%) $216,674 (-2.6%) 0.00 90
    2021-01-01 $188,955 (5.0%) $220,000 (3.9%) 0.00 92
    2021-02-01 $199,000 (0.3%) $238,204 (2.7%) 0.00 100
    2021-03-01 $199,975 (4.6%) $241,393 (5.2%) 0.00 90
    2021-04-01 $221,200 (18.0%) $245,255 (10.8%) 0.00 79
    2021-05-01 $219,900 (12.8%) $244,366 (6.0%) 0.00 76
    2021-06-01 $191,975 (-4.9%) $244,842 (6.4%) 0.00 72
    2021-07-01 $190,000 (0.5%) $233,426 (5.5%) 0.00 82
    2021-08-01 $232,500 (20.5%) $255,252 (9.6%) 0.00 91
    2021-09-01 $256,975 (36.2%) $275,571 (18.9%) 0.00 94
    2021-10-01 $243,125 (31.4%) $257,728 (15.0%) 0.00 99
    2021-11-01 $226,000 (26.0%) $253,342 (13.7%) 0.00 102
    2021-12-01 $228,375 (27.4%) $269,800 (24.5%) 0.00 98
    2022-01-01 $220,000 (16.4%) $261,602 (18.9%) 0.00 98
    2022-02-01 $215,000 (8.0%) $265,222 (11.3%) 0.00 103
    2022-03-01 $217,250 (8.6%) $268,295 (11.1%) 0.00 108
    2022-04-01 $214,999 (-2.8%) $255,850 (4.3%) 0.00 107
    2022-05-01 $229,950 (4.6%) $257,660 (5.4%) 0.00 101
    2022-06-01 $259,225 (35.0%) $262,491 (7.2%) 0.00 102
    2022-07-01 $254,999 (34.2%) $267,494 (14.6%) 0.00 117
    2022-08-01 $246,000 (5.8%) $271,925 (6.5%) 0.00 126
    2022-09-01 $240,000 (-6.6%) $268,305 (-2.6%) 0.00 122
    2022-10-01 $245,000 (0.8%) $264,196 (2.5%) 0.00 127
    2022-11-01 $251,250 (11.2%) $264,389 (4.4%) 0.00 136
    2022-12-01 $262,000 (14.7%) $266,354 (-1.3%) 0.00 126
    2023-01-01 $257,925 (17.2%) $262,417 (0.3%) 0.00 125
    2023-02-01 $267,500 (24.4%) $266,154 (0.4%) 0.00 123
    2023-03-01 $258,000 (18.8%) $263,476 (-1.8%) 0.00 130
    2023-04-01 $249,500 (16.1%) $255,294 (-0.2%) 0.00 130
    2023-05-01 $249,975 (8.7%) $262,312 (1.8%) 0.00 103
    2023-06-01 $258,750 (-0.2%) $278,636 (6.2%) 0.00 98
    2023-07-01 $246,300 (-3.4%) $269,950 (0.9%) 0.00 107
    2023-08-01 $226,000 (-8.1%) $253,795 (-6.7%) 0.00 117
    2023-09-01 $230,000 (-4.2%) $260,070 (-3.1%) 0.00 117
    2023-10-01 $249,300 (1.8%) $267,958 (1.4%) 0.00 123
    2023-11-01 $241,250 (-4.0%) $271,894 (2.8%) 0.00 127
    2023-12-01 $255,000 (-2.7%) $282,550 (6.1%) 0.00 121
    2024-01-01 $260,000 (0.8%) $289,214 (10.2%) 0.00 99
    2024-02-01 $245,625 (-8.2%) $272,612 (2.4%) 0.00 96
    2024-03-01 $248,700 (-3.6%) $284,966 (8.2%) 0.00 94
    2024-04-01 $254,250 (1.9%) $289,880 (13.6%) 0.00 102
    2024-05-01 $271,250 (8.5%) $307,280 (17.1%) 0.00 105
    2024-06-01 $275,000 (6.3%) $304,289 (9.2%) 0.00 107
    2024-07-01 $275,000 (11.7%) $309,417 (14.6%) 0.00 108
    2024-08-01 $275,000 (21.7%) $310,412 (22.3%) 0.00 100
    2024-09-01 $275,000 (19.6%) $309,679 (19.1%) 0.00 100
    2024-10-01 $270,000 (8.3%) $301,091 (12.4%) 0.00 113
    El Campo's median listing price for 2024-10-01 was $270,000, a difference of $20,700 (8.3%) versus the prior year and $-5,000 versus the prior month.

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

    El Campo's average listing price for 2024-10-01 was $301,091, a difference of $33,133 (12.4%) versus the prior year and $-8,588 versus the prior month.

    For the 2024-10-01 period, El Campo had 113 MLS listings, a difference of 13 listings (13%) versus the prior month and -10 listings (-8%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - El Campo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,054 sqft
    2018-02-01 0 days 2,133 sqft
    2018-03-01 0 days 2,135 sqft
    2018-04-01 0 days 2,127 sqft
    2018-05-01 0 days 2,132 sqft
    2018-06-01 0 days 2,140 sqft
    2018-07-01 0 days 2,112 sqft
    2018-08-01 0 days 2,090 sqft
    2018-09-01 0 days 2,036 sqft
    2018-10-01 0 days 1,969 sqft
    2018-11-01 0 days 1,935 sqft
    2018-12-01 0 days 1,985 sqft
    2019-01-01 0 days 1,953 sqft
    2019-02-01 0 days 1,889 sqft
    2019-03-01 0 days 1,910 sqft
    2019-04-01 0 days 1,914 sqft
    2019-05-01 0 days 1,904 sqft
    2019-06-01 0 days 1,811 sqft
    2019-07-01 0 days 1,750 sqft
    2019-08-01 0 days 1,753 sqft
    2019-09-01 0 days 1,743 sqft
    2019-10-01 0 days 1,737 sqft
    2019-11-01 0 days 1,740 sqft
    2019-12-01 0 days 1,746 sqft
    2020-01-01 0 days 1,754 sqft
    2020-02-01 0 days 1,808 sqft
    2020-03-01 0 days 1,774 sqft
    2020-04-01 0 days 1,747 sqft
    2020-05-01 0 days 1,808 sqft
    2020-06-01 0 days 1,807 sqft
    2020-07-01 0 days 1,744 sqft
    2020-08-01 0 days 1,743 sqft
    2020-09-01 0 days 1,724 sqft
    2020-10-01 0 days 1,734 sqft
    2020-11-01 0 days 1,768 sqft
    2020-12-01 0 days 1,765 sqft
    2021-01-01 0 days 1,761 sqft
    2021-02-01 0 days 1,764 sqft
    2021-03-01 0 days 1,792 sqft
    2021-04-01 0 days 1,827 sqft
    2021-05-01 0 days 1,851 sqft
    2021-06-01 0 days 1,790 sqft
    2021-07-01 0 days 1,714 sqft
    2021-08-01 0 days 1,826 sqft
    2021-09-01 0 days 1,868 sqft
    2021-10-01 0 days 1,760 sqft
    2021-11-01 0 days 1,710 sqft
    2021-12-01 0 days 1,676 sqft
    2022-01-01 0 days 1,622 sqft
    2022-02-01 0 days 1,631 sqft
    2022-03-01 0 days 1,640 sqft
    2022-04-01 0 days 1,640 sqft
    2022-05-01 0 days 1,812 sqft
    2022-06-01 0 days 1,709 sqft
    2022-07-01 0 days 1,710 sqft
    2022-08-01 0 days 1,714 sqft
    2022-09-01 0 days 1,730 sqft
    2022-10-01 0 days 1,743 sqft
    2022-11-01 0 days 1,786 sqft
    2022-12-01 0 days 1,774 sqft
    2023-01-01 0 days 1,724 sqft
    2023-02-01 0 days 1,680 sqft
    2023-03-01 0 days 1,660 sqft
    2023-04-01 0 days 1,660 sqft
    2023-05-01 0 days 1,655 sqft
    2023-06-01 0 days 1,747 sqft
    2023-07-01 0 days 1,751 sqft
    2023-08-01 0 days 1,704 sqft
    2023-09-01 0 days 1,699 sqft
    2023-10-01 0 days 1,774 sqft
    2023-11-01 0 days 1,759 sqft
    2023-12-01 0 days 1,833 sqft
    2024-01-01 0 days 1,865 sqft
    2024-02-01 0 days 1,808 sqft
    2024-03-01 0 days 1,842 sqft
    2024-04-01 0 days 1,914 sqft
    2024-05-01 0 days 1,993 sqft
    2024-06-01 0 days 1,997 sqft
    2024-07-01 0 days 1,983 sqft
    2024-08-01 0 days 1,850 sqft
    2024-09-01 0 days 1,836 sqft
    2024-10-01 0 days 1,829 sqft
    El Campo's median listing age (time on market) for 2024-10-01 was 0 days.

    El Campo's median square footage for active listings during the 2024-10-01 period was 1,829 sqft. One year prior, the average listing was 1,774 sqft.