Fredericksburg USDA Loan Rates, Closing Costs & Stats

Fredericksburg, TX

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    • 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.

    Fredericksburg USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Fredericksburg averaged 6.57% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Fredericksburg's average USDA mortgage closing costs are $11,379.

    The average rate for the prior week (2025-02-07) was 6.73% and one month ago for the week of 2025-01-10, the average rate was 6.37%.

    The average rate one year ago was 6.67%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

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

    Fredericksburg 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 Fredericksburg level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Fredericksburg (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 $499,500 (-9.0%) $759,870 (-11.2%) 0.00 231
    2018-02-01 $499,475 (-9.9%) $759,679 (-11.8%) 0.00 234
    2018-03-01 $499,000 (-10.8%) $732,758 (-15.4%) 0.00 255
    2018-04-01 $499,250 (-13.0%) $749,585 (-12.0%) 0.00 260
    2018-05-01 $495,000 (-13.2%) $738,762 (-14.8%) 0.00 268
    2018-06-01 $502,000 (-12.6%) $738,633 (-7.1%) 0.00 265
    2018-07-01 $505,000 (-14.3%) $744,786 (-6.1%) 0.00 257
    2018-08-01 $517,250 (-6.0%) $765,735 (1.0%) 0.00 254
    2018-09-01 $545,000 (3.8%) $788,414 (2.1%) 0.00 253
    2018-10-01 $549,000 (0.2%) $782,365 (0.7%) 0.00 249
    2018-11-01 $534,213 (1.8%) $779,484 (3.0%) 0.00 243
    2018-12-01 $517,000 (-5.8%) $794,994 (5.0%) 0.00 238
    2019-01-01 $530,138 (6.1%) $802,674 (5.6%) 0.00 219
    2019-02-01 $525,000 (5.1%) $776,257 (2.2%) 0.00 219
    2019-03-01 $543,436 (8.9%) $797,595 (8.9%) 0.00 219
    2019-04-01 $549,675 (10.1%) $806,167 (7.6%) 0.00 224
    2019-05-01 $590,000 (19.2%) $824,473 (11.6%) 0.00 230
    2019-06-01 $550,000 (9.6%) $802,818 (8.7%) 0.00 233
    2019-07-01 $529,250 (4.8%) $770,269 (3.4%) 0.00 229
    2019-08-01 $517,123 (0.0%) $759,958 (-0.8%) 0.00 245
    2019-09-01 $512,807 (-5.9%) $775,382 (-1.7%) 0.00 258
    2019-10-01 $517,705 (-5.7%) $787,804 (0.7%) 0.00 265
    2019-11-01 $504,750 (-5.5%) $768,059 (-1.5%) 0.00 260
    2019-12-01 $504,500 (-2.4%) $827,787 (4.1%) 0.00 243
    2020-01-01 $501,750 (-5.4%) $774,267 (-3.5%) 0.00 210
    2020-02-01 $571,750 (8.9%) $857,867 (10.5%) 0.00 210
    2020-03-01 $601,917 (10.8%) $913,668 (14.6%) 0.00 212
    2020-04-01 $598,500 (8.9%) $906,214 (12.4%) 0.00 239
    2020-05-01 $599,450 (1.6%) $895,073 (8.6%) 0.00 237
    2020-06-01 $599,725 (9.0%) $893,551 (11.3%) 0.00 231
    2020-07-01 $646,000 (22.1%) $920,045 (19.4%) 0.00 203
    2020-08-01 $649,000 (25.5%) $889,790 (17.1%) 0.00 188
    2020-09-01 $646,500 (26.1%) $878,246 (13.3%) 0.00 173
    2020-10-01 $675,000 (30.4%) $996,236 (26.5%) 0.00 161
    2020-11-01 $686,000 (35.9%) $1,018,178 (32.6%) 0.00 153
    2020-12-01 $733,625 (45.4%) $1,132,428 (36.8%) 0.00 128
    2021-01-01 $750,000 (49.5%) $1,151,385 (48.7%) 0.00 99
    2021-02-01 $845,875 (47.9%) $1,211,104 (41.2%) 0.00 87
    2021-03-01 $833,725 (38.5%) $1,144,779 (25.3%) 0.00 84
    2021-04-01 $905,750 (51.3%) $1,316,591 (45.3%) 0.00 64
    2021-05-01 $888,000 (48.1%) $1,282,568 (43.3%) 0.00 61
    2021-06-01 $863,000 (43.9%) $1,375,589 (54.0%) 0.00 75
    2021-07-01 $795,000 (23.1%) $1,202,409 (30.7%) 0.00 101
    2021-08-01 $777,000 (19.7%) $1,289,469 (44.9%) 0.00 100
    2021-09-01 $792,000 (22.5%) $1,311,139 (49.3%) 0.00 117
    2021-10-01 $824,500 (22.2%) $1,334,584 (34.0%) 0.00 109
    2021-11-01 $897,000 (30.8%) $1,456,466 (43.1%) 0.00 92
    2021-12-01 $905,475 (23.4%) $1,439,914 (27.2%) 0.00 89
    2022-01-01 $969,000 (29.2%) $1,513,533 (31.5%) 0.00 78
    2022-02-01 $1,058,375 (25.1%) $1,571,633 (29.8%) 0.00 70
    2022-03-01 $1,147,500 (37.6%) $1,680,475 (46.8%) 0.00 69
    2022-04-01 $1,175,000 (29.7%) $1,700,719 (29.2%) 0.00 75
    2022-05-01 $934,500 (5.2%) $1,471,508 (14.7%) 0.00 101
    2022-06-01 $881,000 (2.1%) $1,375,632 (0.0%) 0.00 130
    2022-07-01 $775,000 (-2.5%) $1,189,636 (-1.1%) 0.00 148
    2022-08-01 $754,375 (-2.9%) $1,191,125 (-7.6%) 0.00 164
    2022-09-01 $743,125 (-6.2%) $1,155,068 (-11.9%) 0.00 165
    2022-10-01 $722,250 (-12.4%) $1,146,411 (-14.1%) 0.00 178
    2022-11-01 $704,350 (-21.5%) $1,213,636 (-16.7%) 0.00 183
    2022-12-01 $698,000 (-22.9%) $1,265,001 (-12.2%) 0.00 184
    2023-01-01 $695,000 (-28.3%) $1,274,315 (-15.8%) 0.00 185
    2023-02-01 $777,500 (-26.5%) $1,306,078 (-16.9%) 0.00 196
    2023-03-01 $774,000 (-32.6%) $1,295,477 (-22.9%) 0.00 223
    2023-04-01 $799,000 (-32.0%) $1,285,910 (-24.4%) 0.00 237
    2023-05-01 $817,350 (-12.5%) $1,337,579 (-9.1%) 0.00 250
    2023-06-01 $824,700 (-6.4%) $1,353,336 (-1.6%) 0.00 257
    2023-07-01 $798,000 (3.0%) $1,347,498 (13.3%) 0.00 270
    2023-08-01 $779,000 (3.3%) $1,289,250 (8.2%) 0.00 279
    2023-09-01 $795,000 (7.0%) $1,249,058 (8.1%) 0.00 302
    2023-10-01 $800,500 (10.8%) $1,280,004 (11.7%) 0.00 302
    2023-11-01 $799,000 (13.4%) $1,251,188 (3.1%) 0.00 313
    2023-12-01 $799,000 (14.5%) $1,225,553 (-3.1%) 0.00 288
    2024-01-01 $799,000 (15.0%) $1,280,462 (0.5%) 0.00 255
    2024-02-01 $798,000 (2.6%) $1,294,648 (-0.9%) 0.00 274
    2024-03-01 $827,000 (6.9%) $1,307,979 (1.0%) 0.00 285
    2024-04-01 $840,875 (5.2%) $1,302,482 (1.3%) 0.00 307
    2024-05-01 $829,700 (1.5%) $1,295,422 (-3.2%) 0.00 315
    2024-06-01 $799,250 (-3.1%) $1,332,622 (-1.5%) 0.00 369
    2024-07-01 $799,899 (0.2%) $1,396,454 (3.6%) 0.00 398
    2024-08-01 $813,667 (4.5%) $1,403,670 (8.9%) 0.00 381
    2024-09-01 $839,950 (5.7%) $1,412,019 (13.1%) 0.00 379
    2024-10-01 $847,500 (5.9%) $1,475,853 (15.3%) 0.00 392
    2024-11-01 $845,000 (5.8%) $1,485,234 (18.7%) 0.00 395
    2024-12-01 $850,000 (6.4%) $1,495,669 (22.0%) 0.00 370
    2025-01-01 $812,225 (1.7%) $1,360,274 (6.2%) 0.00 334
    Fredericksburg's median listing price for 2025-01-01 was $812,225, a difference of $13,225 (1.7%) versus the prior year and $-37,775 versus the prior month.

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

    Fredericksburg's average listing price for 2025-01-01 was $1,360,274, a difference of $79,812 (6.2%) versus the prior year and $-135,395 versus the prior month.

    For the 2025-01-01 period, Fredericksburg had 334 MLS listings, a difference of -36 listings (-10%) versus the prior month and 79 listings (31%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fredericksburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,238 sqft
    2018-02-01 0 days 2,258 sqft
    2018-03-01 0 days 2,229 sqft
    2018-04-01 0 days 2,326 sqft
    2018-05-01 0 days 2,329 sqft
    2018-06-01 0 days 2,325 sqft
    2018-07-01 0 days 2,337 sqft
    2018-08-01 0 days 2,313 sqft
    2018-09-01 0 days 2,335 sqft
    2018-10-01 0 days 2,279 sqft
    2018-11-01 0 days 2,255 sqft
    2018-12-01 0 days 2,227 sqft
    2019-01-01 0 days 2,191 sqft
    2019-02-01 0 days 2,145 sqft
    2019-03-01 0 days 2,116 sqft
    2019-04-01 0 days 2,036 sqft
    2019-05-01 0 days 2,032 sqft
    2019-06-01 0 days 2,001 sqft
    2019-07-01 0 days 1,946 sqft
    2019-08-01 0 days 1,942 sqft
    2019-09-01 0 days 1,951 sqft
    2019-10-01 0 days 1,959 sqft
    2019-11-01 0 days 1,969 sqft
    2019-12-01 0 days 2,017 sqft
    2020-01-01 0 days 2,030 sqft
    2020-02-01 0 days 2,135 sqft
    2020-03-01 0 days 2,214 sqft
    2020-04-01 0 days 2,221 sqft
    2020-05-01 0 days 2,246 sqft
    2020-06-01 0 days 2,245 sqft
    2020-07-01 0 days 2,256 sqft
    2020-08-01 0 days 2,317 sqft
    2020-09-01 0 days 2,243 sqft
    2020-10-01 0 days 2,231 sqft
    2020-11-01 0 days 2,216 sqft
    2020-12-01 0 days 2,470 sqft
    2021-01-01 0 days 2,484 sqft
    2021-02-01 0 days 2,560 sqft
    2021-03-01 0 days 2,710 sqft
    2021-04-01 0 days 2,800 sqft
    2021-05-01 0 days 2,619 sqft
    2021-06-01 0 days 2,287 sqft
    2021-07-01 0 days 2,175 sqft
    2021-08-01 0 days 2,082 sqft
    2021-09-01 0 days 2,081 sqft
    2021-10-01 0 days 2,187 sqft
    2021-11-01 0 days 2,327 sqft
    2021-12-01 0 days 2,354 sqft
    2022-01-01 0 days 2,399 sqft
    2022-02-01 0 days 2,612 sqft
    2022-03-01 0 days 2,610 sqft
    2022-04-01 0 days 2,668 sqft
    2022-05-01 0 days 2,052 sqft
    2022-06-01 0 days 2,018 sqft
    2022-07-01 0 days 1,976 sqft
    2022-08-01 0 days 1,980 sqft
    2022-09-01 0 days 2,000 sqft
    2022-10-01 0 days 2,001 sqft
    2022-11-01 0 days 2,036 sqft
    2022-12-01 0 days 2,019 sqft
    2023-01-01 0 days 2,019 sqft
    2023-02-01 0 days 2,049 sqft
    2023-03-01 0 days 2,050 sqft
    2023-04-01 0 days 2,082 sqft
    2023-05-01 0 days 2,155 sqft
    2023-06-01 0 days 2,187 sqft
    2023-07-01 0 days 2,190 sqft
    2023-08-01 0 days 2,199 sqft
    2023-09-01 0 days 2,221 sqft
    2023-10-01 0 days 2,210 sqft
    2023-11-01 0 days 2,194 sqft
    2023-12-01 0 days 2,177 sqft
    2024-01-01 0 days 2,120 sqft
    2024-02-01 0 days 2,138 sqft
    2024-03-01 0 days 2,154 sqft
    2024-04-01 0 days 2,180 sqft
    2024-05-01 0 days 2,204 sqft
    2024-06-01 0 days 2,206 sqft
    2024-07-01 0 days 2,226 sqft
    2024-08-01 0 days 2,206 sqft
    2024-09-01 0 days 2,196 sqft
    2024-10-01 0 days 2,261 sqft
    2024-11-01 0 days 2,253 sqft
    2024-12-01 0 days 2,259 sqft
    2025-01-01 0 days 2,207 sqft
    Fredericksburg's median listing age (time on market) for 2025-01-01 was 0 days.

    Fredericksburg's median square footage for active listings during the 2025-01-01 period was 2,207 sqft. One year prior, the average listing was 2,120 sqft.