Huntsville USDA Loan Rates, Closing Costs & Stats

HUNTSVILLE, AL

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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.

    Huntsville's 56 lenders originated 233 USDA loans during 2024. The total origination value was $60,645,000, with an average USDA loan value of $260,279.

    Huntsville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Huntsville averaged 6.37% for the week of 2025-04-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Huntsville's average USDA mortgage closing costs are $5,405.

    The average rate for the prior week (2025-04-04) was 5.82% and one month ago for the week of 2025-03-07, the average rate was 6.29%.

    The average rate one year ago was 6.25%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.13%.

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

    Huntsville 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 Huntsville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    DHI MORTGAGE COMPANY, LTD. 34 5.12% $5,152
    EAGLE HOME MORTGAGE, LLC 23 4.30% $4,521
    Synovus Bank 14 5.71% $7,179
    CANOPY MORTGAGE, LLC 9 6.26% $12,317
    STOCKTON MORTGAGE CORPORATION 9 6.19% $8,529
    UNITED WHOLESALE MORTGAGE, LLC 8 5.73% $11,175
    FIRST COMMUNITY MORTGAGE, INC. 8 6.20% $9,680
    Hamilton Mortgage Corporation 7 5.91% $8,451
    PLANET HOME LENDING, LLC 7 6.41% $7,246
    Trustmark National Bank 7 5.75% $10,442
    Renasant Bank 7 5.68% $10,238
    GMFS LLC 6 6.25% $4,670
    NEWREZ LLC 5 6.43% $5,450
    REDSTONE Federal Credit Union 5 6.03% $5,474
    DSLD MORTGAGE, LLC 5 5.04% $4,836
    FirstBank 5 6.00% $8,477
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.12% $5,020
    S1L, Inc. 3 5.75% $8,932
    FIRST COLONY MORTGAGE CORPORATION 3 6.42% $7,737
    FBC MORTGAGE, LLC 3 4.66% $5,719
    GUILD MORTGAGE COMPANY 3 6.00% $7,246
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 3 6.33% $7,665
    Truist 3 5.75% $6,194
    Victorian Finance, LLC 2 6.75% $8,034
    Regions Bank 2 6.06% $7,271
    Listerhill Credit Union 2 5.63% $9,044
    TOWNE MORTGAGE COMPANY 1 6.75% $7,474
    UNION HOME MORTGAGE CORP. 1 6.13% $9,587
    United Community Bank 1 6.13% $7,592
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.25% $6,822
    Paramount Residential Mortgage Group, Inc. 1 6.50% $9,335
    Assurance Financial Group, L.L.C. 1 6.63% $7,088
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 6.63% $6,419
    AVADIAN 1 6.00% $7,888
    BROKER SOLUTIONS, INC. 1 5.75% $10,359
    CIS Financial Services, Inc. 1 6.13% $9,603
    CMG MORTGAGE, INC. 1 6.50% $7,581
    Consumer First Mortgage, Inc. 1 6.13% $10,247
    CONTOUR MORTGAGE CORPORATION 1 6.50% $5,816
    CROSSCOUNTRY MORTGAGE, LLC 1 5.50% $6,481
    EVANSVILLE TEACHERS 1 6.13% $5,139
    Flagstar Bank, FSB 1 6.38% $9,715
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 4.99% $5,644
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.50% $7,744
    INSPIRE HOME LOANS INC. 1 4.88% $6,289
    Keystone Funding, Inc. 1 6.25% $10,059
    LEADERONE FINANCIAL CORPORATION 1 6.49% $4,529
    LOANDEPOT.COM, LLC 1 7.13% $5,765
    Loan Simple, Inc. 1 6.25% $11,079
    Nations Lending Corporation 1 7.25% $7,023
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.75% $12,211
    PIKE CREEK MORTGAGE SERVICES, INC. 1 6.99% $5,162
    Plains Commerce Bank 1 6.25% $9,050
    SouthPoint Bank 1 6.50% $4,487
    SOUTHWEST FUNDING, LP 1 6.50% $7,747
    TJC Mortgage, Inc. 1 6.13% $6,526

    The top Huntsville USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 34 USDA loans originated. Their average total fees are $5,152, which is $631 higher than the next largest lender, EAGLE HOME MORTGAGE, LLC.

    The lowest fee Huntsville USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC ($4,521), DHI MORTGAGE COMPANY, LTD. ($5,152), Synovus Bank ($7,179), .

    The lowest rate Huntsville USDA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (4.30%), DHI MORTGAGE COMPANY, LTD. (5.12%), Synovus Bank (5.71%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Huntsville (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 $238,339 (10.1%) $283,711 (8.9%) 0.88 2,205
    2018-02-01 $242,899 (11.5%) $289,755 (10.2%) 0.88 2,076
    2018-03-01 $246,700 (12.4%) $294,249 (10.3%) 0.87 2,064
    2018-04-01 $256,871 (16.8%) $307,046 (13.2%) 0.87 2,045
    2018-05-01 $255,139 (12.0%) $307,923 (11.2%) 0.85 2,051
    2018-06-01 $249,900 (8.9%) $304,004 (9.2%) 0.83 2,137
    2018-07-01 $252,500 (9.8%) $310,309 (10.9%) 0.84 2,121
    2018-08-01 $254,950 (12.5%) $308,938 (10.5%) 0.85 2,127
    2018-09-01 $259,900 (13.1%) $308,434 (9.1%) 0.87 2,117
    2018-10-01 $255,950 (11.3%) $305,787 (8.5%) 0.87 2,087
    2018-11-01 $254,925 (9.1%) $304,388 (6.6%) 0.86 2,038
    2018-12-01 $254,846 (10.8%) $303,854 (7.7%) 0.88 1,943
    2019-01-01 $253,668 (6.4%) $299,407 (5.5%) 0.88 1,782
    2019-02-01 $259,233 (6.7%) $306,001 (5.6%) 0.88 1,706
    2019-03-01 $264,471 (7.2%) $316,510 (7.6%) 0.86 1,638
    2019-04-01 $269,021 (4.7%) $324,829 (5.8%) 0.85 1,551
    2019-05-01 $272,889 (7.0%) $326,124 (5.9%) 0.85 1,559
    2019-06-01 $274,900 (10.0%) $331,244 (9.0%) 0.86 1,565
    2019-07-01 $275,000 (8.9%) $340,522 (9.7%) 0.86 1,532
    2019-08-01 $274,973 (7.9%) $338,409 (9.5%) 0.87 1,513
    2019-09-01 $274,932 (5.8%) $336,592 (9.1%) 0.88 1,475
    2019-10-01 $274,955 (7.4%) $334,085 (9.3%) 0.89 1,456
    2019-11-01 $277,390 (8.8%) $336,631 (10.6%) 0.91 1,357
    2019-12-01 $274,658 (7.8%) $337,912 (11.2%) 0.92 1,263
    2020-01-01 $279,950 (10.4%) $345,973 (15.6%) 0.94 1,180
    2020-02-01 $286,331 (10.5%) $352,393 (15.2%) 0.94 1,076
    2020-03-01 $289,925 (9.6%) $362,851 (14.6%) 0.91 1,033
    2020-04-01 $288,744 (7.3%) $357,102 (9.9%) 0.90 1,104
    2020-05-01 $289,950 (6.3%) $358,728 (10.0%) 0.88 1,260
    2020-06-01 $296,711 (7.9%) $362,301 (9.4%) 0.87 1,161
    2020-07-01 $296,250 (7.7%) $371,433 (9.1%) 0.86 1,109
    2020-08-01 $300,000 (9.1%) $373,491 (10.4%) 0.86 1,067
    2020-09-01 $299,900 (9.1%) $371,188 (10.3%) 0.86 1,029
    2020-10-01 $298,473 (8.6%) $367,364 (10.0%) 0.86 1,017
    2020-11-01 $299,450 (8.0%) $371,342 (10.3%) 0.88 980
    2020-12-01 $304,549 (10.9%) $375,056 (11.0%) 0.91 967
    2021-01-01 $323,700 (15.6%) $385,620 (11.5%) 0.97 834
    2021-02-01 $354,450 (23.8%) $411,622 (16.8%) 1.03 656
    2021-03-01 $356,399 (22.9%) $419,646 (15.7%) 1.01 575
    2021-04-01 $344,650 (19.4%) $414,158 (16.0%) 0.93 518
    2021-05-01 $349,000 (20.4%) $419,008 (16.8%) 0.93 499
    2021-06-01 $317,250 (6.9%) $402,492 (11.1%) 0.84 386
    2021-07-01 $324,075 (9.4%) $414,936 (11.7%) 0.86 457
    2021-08-01 $324,125 (8.0%) $418,106 (12.0%) 0.86 551
    2021-09-01 $342,600 (14.2%) $439,037 (18.3%) 0.91 537
    2021-10-01 $349,900 (17.2%) $446,125 (21.4%) 0.93 535
    2021-11-01 $354,582 (18.4%) $464,088 (25.0%) 0.95 511
    2021-12-01 $367,400 (20.6%) $483,000 (28.8%) 1.00 440
    2022-01-01 $374,494 (15.7%) $489,006 (26.8%) 1.01 358
    2022-02-01 $372,499 (5.1%) $487,141 (18.4%) 0.97 351
    2022-03-01 $413,631 (16.1%) $479,721 (14.3%) 1.04 500
    2022-04-01 $406,494 (17.9%) $478,083 (15.4%) 0.97 596
    2022-05-01 $399,925 (14.6%) $474,840 (13.3%) 0.91 797
    2022-06-01 $406,446 (28.1%) $475,952 (18.3%) 0.91 962
    2022-07-01 $395,000 (21.9%) $463,827 (11.8%) 0.89 1,215
    2022-08-01 $391,958 (20.9%) $469,999 (12.4%) 0.91 1,339
    2022-09-01 $394,950 (15.3%) $470,361 (7.1%) 0.92 1,433
    2022-10-01 $394,900 (12.9%) $469,103 (5.2%) 0.93 1,520
    2022-11-01 $395,900 (11.7%) $467,972 (0.8%) 0.95 1,610
    2022-12-01 $390,073 (6.2%) $463,518 (-4.0%) 0.96 1,570
    2023-01-01 $389,450 (4.0%) $459,835 (-6.0%) 0.96 1,519
    2023-02-01 $390,847 (4.9%) $462,488 (-5.1%) 0.94 1,447
    2023-03-01 $399,450 (-3.4%) $466,379 (-2.8%) 0.94 1,391
    2023-04-01 $412,900 (1.6%) $479,420 (0.3%) 0.96 1,364
    2023-05-01 $424,900 (6.2%) $483,081 (1.7%) 0.96 1,444
    2023-06-01 $424,950 (4.6%) $485,381 (2.0%) 0.95 1,513
    2023-07-01 $406,890 (3.0%) $483,018 (4.1%) 0.92 1,600
    2023-08-01 $399,900 (2.0%) $481,006 (2.3%) 0.92 1,634
    2023-09-01 $390,000 (-1.3%) $469,893 (-0.1%) 0.91 1,705
    2023-10-01 $376,950 (-4.6%) $458,168 (-2.3%) 0.89 1,853
    2023-11-01 $370,108 (-6.5%) $449,017 (-4.1%) 0.88 1,911
    2023-12-01 $365,000 (-6.4%) $445,725 (-3.8%) 0.89 1,885
    2024-01-01 $367,450 (-5.7%) $452,841 (-1.5%) 0.90 1,717
    2024-02-01 $371,450 (-5.0%) $452,913 (-2.1%) 0.89 1,692
    2024-03-01 $378,900 (-5.1%) $455,442 (-2.3%) 0.89 1,697
    2024-04-01 $379,900 (-8.0%) $455,401 (-5.0%) 0.88 1,790
    2024-05-01 $385,471 (-9.3%) $457,909 (-5.2%) 0.88 1,971
    2024-06-01 $384,900 (-9.4%) $458,956 (-5.4%) 0.88 2,066
    2024-07-01 $380,175 (-6.6%) $458,045 (-5.2%) 0.87 2,180
    2024-08-01 $370,000 (-7.5%) $448,747 (-6.7%) 0.86 2,344
    2024-09-01 $368,555 (-5.5%) $443,851 (-5.5%) 0.87 2,486
    2024-10-01 $366,508 (-2.8%) $437,129 (-4.6%) 0.86 2,705
    2024-11-01 $364,900 (-1.4%) $434,037 (-3.3%) 0.88 2,651
    2024-12-01 $364,000 (-0.3%) $431,866 (-3.1%) 0.90 2,603
    2025-01-01 $364,900 (-0.7%) $433,345 (-4.3%) 0.91 2,462
    2025-02-01 $369,900 (-0.4%) $434,027 (-4.2%) 0.90 2,426
    2025-03-01 $372,605 (-1.7%) $438,555 (-3.7%) 0.00 2,455
    Huntsville's median listing price for 2025-03-01 was $372,605, a difference of $-6,295 (-1.7%) versus the prior year and $2,705 versus the prior month.

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

    Huntsville's average listing price for 2025-03-01 was $438,555, a difference of $-16,887 (-3.7%) versus the prior year and $4,528 versus the prior month.

    For the 2025-03-01 period, Huntsville had 2,455 MLS listings, a difference of 29 listings (1%) versus the prior month and 758 listings (45%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Huntsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 89 days 2,452 sqft
    2018-02-01 89 days 2,474 sqft
    2018-03-01 71 days 2,500 sqft
    2018-04-01 65 days 2,546 sqft
    2018-05-01 59 days 2,536 sqft
    2018-06-01 58 days 2,500 sqft
    2018-07-01 61 days 2,515 sqft
    2018-08-01 65 days 2,508 sqft
    2018-09-01 72 days 2,540 sqft
    2018-10-01 77 days 2,521 sqft
    2018-11-01 81 days 2,515 sqft
    2018-12-01 86 days 2,507 sqft
    2019-01-01 92 days 2,493 sqft
    2019-02-01 84 days 2,500 sqft
    2019-03-01 70 days 2,530 sqft
    2019-04-01 52 days 2,545 sqft
    2019-05-01 46 days 2,528 sqft
    2019-06-01 46 days 2,550 sqft
    2019-07-01 51 days 2,583 sqft
    2019-08-01 51 days 2,563 sqft
    2019-09-01 52 days 2,536 sqft
    2019-10-01 52 days 2,524 sqft
    2019-11-01 57 days 2,516 sqft
    2019-12-01 66 days 2,500 sqft
    2020-01-01 72 days 2,500 sqft
    2020-02-01 59 days 2,500 sqft
    2020-03-01 39 days 2,509 sqft
    2020-04-01 39 days 2,493 sqft
    2020-05-01 37 days 2,500 sqft
    2020-06-01 43 days 2,503 sqft
    2020-07-01 45 days 2,500 sqft
    2020-08-01 43 days 2,501 sqft
    2020-09-01 39 days 2,418 sqft
    2020-10-01 40 days 2,401 sqft
    2020-11-01 42 days 2,394 sqft
    2020-12-01 46 days 2,396 sqft
    2021-01-01 50 days 2,448 sqft
    2021-02-01 48 days 2,512 sqft
    2021-03-01 33 days 2,405 sqft
    2021-04-01 25 days 2,423 sqft
    2021-05-01 17 days 2,367 sqft
    2021-06-01 8 days 2,344 sqft
    2021-07-01 9 days 2,304 sqft
    2021-08-01 14 days 2,337 sqft
    2021-09-01 18 days 2,388 sqft
    2021-10-01 18 days 2,377 sqft
    2021-11-01 18 days 2,385 sqft
    2021-12-01 27 days 2,424 sqft
    2022-01-01 30 days 2,448 sqft
    2022-02-01 12 days 2,399 sqft
    2022-03-01 10 days 2,463 sqft
    2022-04-01 14 days 2,449 sqft
    2022-05-01 19 days 2,380 sqft
    2022-06-01 21 days 2,373 sqft
    2022-07-01 29 days 2,352 sqft
    2022-08-01 33 days 2,354 sqft
    2022-09-01 40 days 2,346 sqft
    2022-10-01 42 days 2,357 sqft
    2022-11-01 50 days 2,379 sqft
    2022-12-01 59 days 2,368 sqft
    2023-01-01 67 days 2,352 sqft
    2023-02-01 65 days 2,359 sqft
    2023-03-01 57 days 2,366 sqft
    2023-04-01 52 days 2,376 sqft
    2023-05-01 48 days 2,406 sqft
    2023-06-01 50 days 2,432 sqft
    2023-07-01 50 days 2,383 sqft
    2023-08-01 51 days 2,375 sqft
    2023-09-01 53 days 2,351 sqft
    2023-10-01 52 days 2,287 sqft
    2023-11-01 57 days 2,236 sqft
    2023-12-01 68 days 2,211 sqft
    2024-01-01 77 days 2,215 sqft
    2024-02-01 70 days 2,235 sqft
    2024-03-01 51 days 2,265 sqft
    2024-04-01 48 days 2,272 sqft
    2024-05-01 46 days 2,290 sqft
    2024-06-01 50 days 2,270 sqft
    2024-07-01 54 days 2,249 sqft
    2024-08-01 58 days 2,223 sqft
    2024-09-01 61 days 2,192 sqft
    2024-10-01 57 days 2,207 sqft
    2024-11-01 60 days 2,217 sqft
    2024-12-01 70 days 2,210 sqft
    2025-01-01 87 days 2,227 sqft
    2025-02-01 90 days 2,260 sqft
    2025-03-01 0 days 2,260 sqft
    Huntsville's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Huntsville's median square footage for active listings during the 2025-03-01 period was 2,260 sqft. One year prior, the average listing was 2,265 sqft.