Fort Worth USDA Loan Rates, Closing Costs & Stats

FORT WORTH-ARLINGTON-GRAPEVINE, 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.

Fort Worth USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Fort Worth averaged 0% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

Fort Worth's average USDA mortgage closing costs are $0.

The average rate for the prior week (2025-07-04) was 0% and one month ago for the week of 2025-06-06, the average rate was 0%.

The average rate one year ago was 0%.

For refis of the same type during the week of 2025-07-11, the average rate was 0%.

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

Fort Worth 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 Fort Worth level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

The lowest fee Fort Worth USDA lenders (with over 10 loans originated) are .

The lowest rate Fort Worth USDA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Fort Worth (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 $354,950 (0.0%) $496,877 (-2.5%) 1.32 14,302
2018-02-01 $369,450 (0.7%) $519,942 (-0.8%) 1.34 14,292
2018-03-01 $374,330 (0.0%) $528,371 (-2.6%) 1.31 15,270
2018-04-01 $378,700 (-0.3%) $537,065 (-3.0%) 1.28 16,629
2018-05-01 $384,950 (0.8%) $543,255 (-1.8%) 1.29 18,222
2018-06-01 $374,900 (0.0%) $525,258 (-2.9%) 1.25 20,153
2018-07-01 $366,000 (-0.8%) $511,291 (-2.3%) 1.22 22,051
2018-08-01 $350,000 (-2.0%) $486,626 (-2.3%) 1.17 22,543
2018-09-01 $347,436 (-0.7%) $483,076 (-2.8%) 1.17 22,643
2018-10-01 $345,000 (-1.6%) $482,652 (-3.3%) 1.17 22,803
2018-11-01 $344,900 (-1.5%) $482,839 (-2.9%) 1.17 22,367
2018-12-01 $339,990 (-2.9%) $476,952 (-3.4%) 1.17 20,538
2019-01-01 $339,945 (-4.2%) $472,167 (-5.0%) 1.17 18,995
2019-02-01 $347,465 (-6.0%) $486,417 (-6.5%) 1.17 19,529
2019-03-01 $353,714 (-5.5%) $497,774 (-5.8%) 1.16 20,204
2019-04-01 $360,000 (-4.9%) $508,841 (-5.3%) 1.14 21,049
2019-05-01 $364,445 (-5.3%) $508,262 (-6.4%) 1.14 22,293
2019-06-01 $359,100 (-4.2%) $503,331 (-4.2%) 1.12 23,921
2019-07-01 $355,098 (-3.0%) $493,714 (-3.4%) 1.11 24,732
2019-08-01 $347,947 (-0.6%) $481,665 (-1.0%) 1.10 24,706
2019-09-01 $344,883 (-0.7%) $477,985 (-1.1%) 1.10 24,317
2019-10-01 $344,085 (-0.3%) $477,297 (-1.1%) 1.11 23,804
2019-11-01 $342,900 (-0.6%) $476,302 (-1.4%) 1.12 22,134
2019-12-01 $337,646 (-0.7%) $469,782 (-1.5%) 1.13 19,620
2020-01-01 $336,250 (-1.1%) $466,533 (-1.2%) 1.12 17,941
2020-02-01 $340,000 (-2.2%) $475,039 (-2.3%) 1.11 17,633
2020-03-01 $329,192 (-6.9%) $449,529 (-9.7%) 1.03 19,663
2020-04-01 $339,996 (-5.6%) $471,216 (-7.4%) 1.07 18,613
2020-05-01 $350,000 (-4.0%) $497,400 (-2.1%) 1.06 18,801
2020-06-01 $359,000 (0.0%) $514,859 (2.3%) 1.06 16,970
2020-07-01 $360,000 (1.4%) $523,178 (6.0%) 1.04 15,860
2020-08-01 $360,750 (3.7%) $531,265 (10.3%) 1.03 14,746
2020-09-01 $361,750 (4.9%) $543,102 (13.6%) 1.04 13,601
2020-10-01 $359,000 (4.3%) $550,450 (15.3%) 1.03 12,715
2020-11-01 $362,050 (5.6%) $560,495 (17.7%) 1.06 11,170
2020-12-01 $357,998 (6.0%) $559,600 (19.1%) 1.06 9,411
2021-01-01 $350,000 (4.1%) $552,600 (18.5%) 1.04 8,067
2021-02-01 $359,700 (5.8%) $578,067 (21.7%) 1.05 6,215
2021-03-01 $366,350 (11.3%) $578,992 (28.8%) 1.04 5,818
2021-04-01 $375,000 (10.3%) $594,801 (26.2%) 1.02 5,690
2021-05-01 $381,167 (8.9%) $583,766 (17.4%) 1.01 6,010
2021-06-01 $389,945 (8.6%) $590,901 (14.8%) 1.03 6,943
2021-07-01 $397,160 (10.3%) $576,239 (10.1%) 1.05 8,386
2021-08-01 $399,000 (10.6%) $566,026 (6.5%) 1.06 9,246
2021-09-01 $398,852 (10.3%) $563,098 (3.7%) 1.06 8,917
2021-10-01 $399,000 (11.1%) $574,863 (4.4%) 1.06 8,278
2021-11-01 $400,000 (10.5%) $583,580 (4.1%) 1.07 7,345
2021-12-01 $400,000 (11.7%) $583,982 (4.4%) 1.08 6,255
2022-01-01 $403,900 (15.4%) $596,766 (8.0%) 1.09 4,892
2022-02-01 $412,000 (14.5%) $640,055 (10.7%) 1.07 4,138
2022-03-01 $425,000 (16.0%) $656,890 (13.5%) 1.06 4,548
2022-04-01 $441,900 (17.8%) $672,766 (13.1%) 1.05 5,421
2022-05-01 $476,203 (24.9%) $677,812 (16.1%) 1.09 8,075
2022-06-01 $490,793 (25.9%) $672,491 (13.8%) 1.09 11,269
2022-07-01 $480,710 (21.0%) $644,577 (11.9%) 1.08 14,833
2022-08-01 $462,551 (15.9%) $617,824 (9.2%) 1.07 16,511
2022-09-01 $453,995 (13.8%) $610,938 (8.5%) 1.06 16,489
2022-10-01 $450,000 (12.8%) $612,367 (6.5%) 1.06 17,451
2022-11-01 $448,450 (12.1%) $609,378 (4.4%) 1.08 17,855
2022-12-01 $438,999 (9.8%) $598,145 (2.4%) 1.08 16,321
2023-01-01 $433,500 (7.3%) $590,024 (-1.1%) 1.07 14,667
2023-02-01 $435,000 (5.6%) $598,105 (-6.6%) 1.05 12,774
2023-03-01 $442,166 (4.0%) $618,586 (-5.8%) 1.04 12,395
2023-04-01 $459,900 (4.1%) $648,730 (-3.6%) 1.07 12,533
2023-05-01 $469,399 (-1.4%) $667,501 (-1.5%) 1.06 13,169
2023-06-01 $473,500 (-3.5%) $671,036 (-0.2%) 1.06 14,677
2023-07-01 $470,000 (-2.2%) $665,462 (3.2%) 1.07 16,132
2023-08-01 $465,004 (0.5%) $651,171 (5.4%) 1.07 16,922
2023-09-01 $450,000 (-0.9%) $644,200 (5.4%) 1.05 17,261
2023-10-01 $449,000 (-0.2%) $647,680 (5.8%) 1.06 18,601
2023-11-01 $445,000 (-0.8%) $637,626 (4.6%) 1.06 18,924
2023-12-01 $435,000 (-0.9%) $628,356 (5.1%) 1.06 17,355
2024-01-01 $431,088 (-0.6%) $612,069 (3.7%) 1.05 15,782
2024-02-01 $435,000 (0.0%) $618,316 (3.4%) 1.05 16,017
2024-03-01 $439,990 (-0.5%) $628,977 (1.7%) 1.04 17,101
2024-04-01 $449,900 (-2.2%) $648,240 (-0.1%) 1.05 18,535
2024-05-01 $454,500 (-3.2%) $660,975 (-1.0%) 1.03 20,082
2024-06-01 $450,178 (-4.9%) $656,479 (-2.2%) 1.02 22,368
2024-07-01 $450,000 (-4.3%) $640,440 (-3.8%) 1.03 24,436
2024-08-01 $444,999 (-4.3%) $623,720 (-4.2%) 1.03 25,480
2024-09-01 $439,450 (-2.3%) $617,367 (-4.2%) 1.03 25,769
2024-10-01 $434,500 (-3.2%) $614,235 (-5.2%) 1.02 25,909
2024-11-01 $428,000 (-3.8%) $610,033 (-4.3%) 1.03 25,494
2024-12-01 $422,450 (-2.9%) $600,315 (-4.5%) 1.05 22,744
2025-01-01 $415,500 (-3.6%) $591,167 (-3.4%) 1.04 21,422
2025-02-01 $415,950 (-4.4%) $595,119 (-3.8%) 1.01 21,794
2025-03-01 $423,503 (-3.8%) $613,883 (-2.4%) 1.00 23,675
2025-04-01 $430,000 (-4.4%) $630,859 (-2.7%) 1.00 26,471
2025-05-01 $440,000 (-3.2%) $638,578 (-3.4%) 1.00 29,084
2025-06-01 $440,000 (-2.3%) $638,166 (-2.8%) 1.00 30,998
Fort Worth's median listing price for 2025-06-01 was $440,000, a difference of $-10,178 (-2.3%) versus the prior year and $0 versus the prior month.

Fort Worth's median listing price comes in at 100% of the national average.

Fort Worth's average listing price for 2025-06-01 was $638,166, a difference of $-18,313 (-2.8%) versus the prior year and $-412 versus the prior month.

For the 2025-06-01 period, Fort Worth had 30,998 MLS listings, a difference of 1,914 listings (7%) versus the prior month and 8,630 listings (39%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Fort Worth (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 64 days 2,590 sqft
2018-02-01 48 days 2,635 sqft
2018-03-01 43 days 2,644 sqft
2018-04-01 39 days 2,675 sqft
2018-05-01 37 days 2,721 sqft
2018-06-01 39 days 2,672 sqft
2018-07-01 40 days 2,627 sqft
2018-08-01 47 days 2,551 sqft
2018-09-01 52 days 2,516 sqft
2018-10-01 56 days 2,499 sqft
2018-11-01 59 days 2,469 sqft
2018-12-01 65 days 2,437 sqft
2019-01-01 67 days 2,415 sqft
2019-02-01 57 days 2,439 sqft
2019-03-01 46 days 2,474 sqft
2019-04-01 44 days 2,507 sqft
2019-05-01 44 days 2,521 sqft
2019-06-01 47 days 2,515 sqft
2019-07-01 49 days 2,490 sqft
2019-08-01 51 days 2,439 sqft
2019-09-01 53 days 2,416 sqft
2019-10-01 54 days 2,405 sqft
2019-11-01 58 days 2,397 sqft
2019-12-01 65 days 2,351 sqft
2020-01-01 66 days 2,328 sqft
2020-02-01 50 days 2,337 sqft
2020-03-01 43 days 2,305 sqft
2020-04-01 49 days 2,328 sqft
2020-05-01 52 days 2,392 sqft
2020-06-01 46 days 2,403 sqft
2020-07-01 45 days 2,396 sqft
2020-08-01 44 days 2,369 sqft
2020-09-01 45 days 2,319 sqft
2020-10-01 46 days 2,297 sqft
2020-11-01 48 days 2,255 sqft
2020-12-01 52 days 2,206 sqft
2021-01-01 49 days 2,162 sqft
2021-02-01 39 days 2,157 sqft
2021-03-01 38 days 2,156 sqft
2021-04-01 29 days 2,151 sqft
2021-05-01 29 days 2,174 sqft
2021-06-01 28 days 2,175 sqft
2021-07-01 27 days 2,173 sqft
2021-08-01 31 days 2,179 sqft
2021-09-01 36 days 2,168 sqft
2021-10-01 36 days 2,154 sqft
2021-11-01 38 days 2,153 sqft
2021-12-01 42 days 2,147 sqft
2022-01-01 40 days 2,124 sqft
2022-02-01 32 days 2,106 sqft
2022-03-01 24 days 2,117 sqft
2022-04-01 23 days 2,154 sqft
2022-05-01 21 days 2,249 sqft
2022-06-01 22 days 2,304 sqft
2022-07-01 29 days 2,294 sqft
2022-08-01 35 days 2,262 sqft
2022-09-01 43 days 2,249 sqft
2022-10-01 44 days 2,248 sqft
2022-11-01 49 days 2,242 sqft
2022-12-01 59 days 2,216 sqft
2023-01-01 64 days 2,190 sqft
2023-02-01 59 days 2,192 sqft
2023-03-01 46 days 2,217 sqft
2023-04-01 39 days 2,272 sqft
2023-05-01 37 days 2,305 sqft
2023-06-01 36 days 2,321 sqft
2023-07-01 37 days 2,318 sqft
2023-08-01 42 days 2,296 sqft
2023-09-01 44 days 2,249 sqft
2023-10-01 46 days 2,227 sqft
2023-11-01 50 days 2,211 sqft
2023-12-01 58 days 2,187 sqft
2024-01-01 63 days 2,165 sqft
2024-02-01 48 days 2,158 sqft
2024-03-01 40 days 2,177 sqft
2024-04-01 40 days 2,201 sqft
2024-05-01 39 days 2,232 sqft
2024-06-01 43 days 2,233 sqft
2024-07-01 44 days 2,224 sqft
2024-08-01 49 days 2,200 sqft
2024-09-01 53 days 2,188 sqft
2024-10-01 56 days 2,167 sqft
2024-11-01 58 days 2,141 sqft
2024-12-01 66 days 2,117 sqft
2025-01-01 69 days 2,100 sqft
2025-02-01 56 days 2,100 sqft
2025-03-01 45 days 2,112 sqft
2025-04-01 43 days 2,157 sqft
2025-05-01 45 days 2,187 sqft
2025-06-01 50 days 2,201 sqft
Fort Worth's median listing age (time on market) for 2025-06-01 was 50 days. This is 16% longer than the same period one year ago.

Fort Worth's median square footage for active listings during the 2025-06-01 period was 2,201 sqft. One year prior, the average listing was 2,233 sqft.