Huntsville USDA Loan Rates, Closing Costs & Stats
Huntsville, 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.
Huntsville's 6 lenders originated 11 USDA loans during 2021. The total origination value was $2,225,000, with an average USDA loan value of $202,273.
Huntsville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Huntsville
averaged
6.21%
for the week of 2023-01-27, compared to the national average (all USDA variants) of
6.195% for the same period.
Huntsville's average USDA mortgage closing costs are $4,885.
The average rate for the prior week (2023-01-20) was
6.2% and
one month ago for the week of 2022-12-23, the
average rate was 6.24%.
The average rate one year ago was 3.79%.
For refis of the same type during the week of 2023-01-27, the average rate
was 6.04%.
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 | 2021 Avg. 30yFix Rate | 2021 Avg. Closing Costs |
---|---|---|---|
Wallick & Volk, Inc. | 5 | 3.25% | $3,996 |
CALIBER HOME LOANS, INC. | 1 | 2.75% | $7,125 |
CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | 2.50% | $6,460 |
First Guaranty Mortgage Corporation | 1 | 3.63% | $9,233 |
HOMETRUST MORTGAGE COMPANY | 1 | 3.50% | $5,928 |
UNITED WHOLESALE MORTGAGE, LLC | 1 | 2.63% | $7,219 |
The top Huntsville USDA lender as defined by loan originations is Wallick & Volk, Inc., with
5 USDA loans originated. Their average total fees are
$3,996, which is $3,128
lower than the next largest lender,
CALIBER HOME LOANS, INC..
The lowest fee Huntsville USDA lenders (with over 10 loans originated) are
.
The lowest rate Huntsville USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Huntsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $210,725 (6.8%) | $283,655 (11.0%) | 0.00 | 129 |
2018-02-01 | $214,425 (9.8%) | $281,866 (10.0%) | 0.00 | 132 |
2018-03-01 | $219,495 (10.1%) | $285,826 (4.4%) | 0.00 | 124 |
2018-04-01 | $228,970 (8.0%) | $291,792 (8.3%) | 0.00 | 130 |
2018-05-01 | $238,448 (10.1%) | $303,077 (13.2%) | 0.00 | 141 |
2018-06-01 | $239,900 (12.5%) | $297,488 (12.5%) | 0.00 | 152 |
2018-07-01 | $219,350 (4.5%) | $269,630 (2.7%) | 0.00 | 170 |
2018-08-01 | $214,025 (2.6%) | $257,525 (-0.9%) | 0.00 | 173 |
2018-09-01 | $215,000 (2.4%) | $254,802 (-4.0%) | 0.00 | 170 |
2018-10-01 | $213,750 (-0.6%) | $254,488 (-5.8%) | 0.00 | 153 |
2018-11-01 | $215,000 (-1.1%) | $256,638 (-6.6%) | 0.00 | 154 |
2018-12-01 | $210,000 (-4.0%) | $243,587 (-12.3%) | 0.00 | 149 |
2019-01-01 | $214,975 (2.0%) | $241,145 (-15.0%) | 0.00 | 143 |
2019-02-01 | $215,000 (0.3%) | $256,692 (-8.9%) | 0.00 | 154 |
2019-03-01 | $214,629 (-2.2%) | $261,479 (-8.5%) | 0.00 | 152 |
2019-04-01 | $218,350 (-4.6%) | $272,088 (-6.8%) | 0.00 | 155 |
2019-05-01 | $223,725 (-6.2%) | $269,510 (-11.1%) | 0.00 | 159 |
2019-06-01 | $225,000 (-6.2%) | $269,638 (-9.4%) | 0.00 | 156 |
2019-07-01 | $223,250 (1.8%) | $253,163 (-6.1%) | 0.00 | 179 |
2019-08-01 | $219,727 (2.7%) | $250,001 (-2.9%) | 0.00 | 184 |
2019-09-01 | $219,318 (2.0%) | $248,546 (-2.5%) | 0.00 | 185 |
2019-10-01 | $219,545 (2.7%) | $249,888 (-1.8%) | 0.00 | 187 |
2019-11-01 | $220,000 (2.3%) | $257,457 (0.3%) | 0.00 | 192 |
2019-12-01 | $215,788 (2.8%) | $260,026 (6.8%) | 0.00 | 201 |
2020-01-01 | $214,722 (-0.1%) | $261,858 (8.6%) | 0.00 | 180 |
2020-02-01 | $212,925 (-1.0%) | $259,875 (1.2%) | 0.00 | 184 |
2020-03-01 | $217,626 (1.4%) | $253,680 (-3.0%) | 0.00 | 189 |
2020-04-01 | $220,000 (0.8%) | $261,203 (-4.0%) | 0.00 | 189 |
2020-05-01 | $227,450 (1.7%) | $269,409 (0.0%) | 0.00 | 194 |
2020-06-01 | $232,000 (3.1%) | $274,250 (1.7%) | 0.00 | 194 |
2020-07-01 | $223,550 (0.1%) | $274,387 (8.4%) | 0.00 | 209 |
2020-08-01 | $225,000 (2.4%) | $271,505 (8.6%) | 0.00 | 214 |
2020-09-01 | $218,750 (-0.3%) | $262,252 (5.5%) | 0.00 | 207 |
2020-10-01 | $212,613 (-3.2%) | $266,162 (6.5%) | 0.00 | 170 |
2020-11-01 | $208,300 (-5.3%) | $248,952 (-3.3%) | 0.00 | 158 |
2020-12-01 | $205,569 (-4.7%) | $245,450 (-5.6%) | 0.00 | 148 |
2021-01-01 | $209,500 (-2.4%) | $248,655 (-5.0%) | 0.00 | 115 |
2021-02-01 | $212,288 (-0.3%) | $261,636 (0.7%) | 0.00 | 101 |
2021-03-01 | $218,813 (0.6%) | $272,324 (7.4%) | 0.00 | 76 |
2021-04-01 | $244,948 (11.3%) | $288,100 (10.3%) | 0.00 | 73 |
2021-05-01 | $235,000 (3.3%) | $273,993 (1.7%) | 0.00 | 72 |
2021-06-01 | $219,950 (-5.2%) | $270,889 (-1.2%) | 0.00 | 73 |
2021-07-01 | $244,500 (9.4%) | $292,063 (6.4%) | 0.00 | 74 |
2021-08-01 | $240,725 (7.0%) | $293,389 (8.1%) | 0.00 | 70 |
2021-09-01 | $237,225 (8.5%) | $285,982 (9.1%) | 0.00 | 74 |
2021-10-01 | $247,900 (16.6%) | $305,970 (15.0%) | 0.00 | 82 |
2021-11-01 | $254,990 (22.4%) | $338,952 (36.2%) | 0.00 | 98 |
2021-12-01 | $255,423 (24.3%) | $336,009 (36.9%) | 0.00 | 98 |
2022-01-01 | $253,900 (21.2%) | $335,445 (34.9%) | 0.00 | 106 |
2022-02-01 | $249,750 (17.7%) | $327,798 (25.3%) | 0.00 | 104 |
2022-03-01 | $258,648 (18.2%) | $340,947 (25.2%) | 0.00 | 98 |
2022-04-01 | $259,900 (6.1%) | $338,917 (17.6%) | 0.00 | 103 |
2022-05-01 | $271,929 (15.7%) | $344,717 (25.8%) | 0.00 | 158 |
2022-06-01 | $272,445 (23.9%) | $331,824 (22.5%) | 0.00 | 200 |
2022-07-01 | $276,990 (13.3%) | $339,822 (16.4%) | 0.00 | 223 |
2022-08-01 | $275,243 (14.3%) | $337,918 (15.2%) | 0.00 | 198 |
2022-09-01 | $269,454 (13.6%) | $329,249 (15.1%) | 0.00 | 195 |
2022-10-01 | $267,458 (7.9%) | $328,982 (7.5%) | 0.00 | 208 |
2022-11-01 | $268,945 (5.5%) | $329,656 (-2.7%) | 0.00 | 195 |
2022-12-01 | $272,400 (6.7%) | $324,176 (-3.5%) | 0.00 | 170 |
Huntsville's median listing price comes in at 0% of the national average.
Huntsville's average listing price for 2022-12-01 was $324,176, a difference of $-11,833 (-3.5%) versus the prior year and $-5,480 versus the prior month.
For the 2022-12-01 period, Huntsville had 170 MLS listings, a difference of -25 listings (-13%) versus the prior month and 72 listings (73%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Huntsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,973 sqft |
2018-02-01 | 0 days | 1,960 sqft |
2018-03-01 | 0 days | 2,050 sqft |
2018-04-01 | 0 days | 2,054 sqft |
2018-05-01 | 0 days | 2,067 sqft |
2018-06-01 | 0 days | 2,095 sqft |
2018-07-01 | 0 days | 2,038 sqft |
2018-08-01 | 0 days | 1,979 sqft |
2018-09-01 | 0 days | 1,955 sqft |
2018-10-01 | 0 days | 1,934 sqft |
2018-11-01 | 0 days | 1,919 sqft |
2018-12-01 | 0 days | 1,862 sqft |
2019-01-01 | 0 days | 1,884 sqft |
2019-02-01 | 0 days | 1,872 sqft |
2019-03-01 | 0 days | 1,894 sqft |
2019-04-01 | 0 days | 1,920 sqft |
2019-05-01 | 0 days | 1,920 sqft |
2019-06-01 | 0 days | 1,923 sqft |
2019-07-01 | 0 days | 1,905 sqft |
2019-08-01 | 0 days | 1,861 sqft |
2019-09-01 | 0 days | 1,859 sqft |
2019-10-01 | 0 days | 1,857 sqft |
2019-11-01 | 0 days | 1,851 sqft |
2019-12-01 | 0 days | 1,817 sqft |
2020-01-01 | 0 days | 1,848 sqft |
2020-02-01 | 0 days | 1,851 sqft |
2020-03-01 | 0 days | 1,842 sqft |
2020-04-01 | 0 days | 1,876 sqft |
2020-05-01 | 0 days | 1,903 sqft |
2020-06-01 | 0 days | 1,936 sqft |
2020-07-01 | 0 days | 1,904 sqft |
2020-08-01 | 0 days | 1,868 sqft |
2020-09-01 | 0 days | 1,859 sqft |
2020-10-01 | 0 days | 1,815 sqft |
2020-11-01 | 0 days | 1,756 sqft |
2020-12-01 | 0 days | 1,681 sqft |
2021-01-01 | 0 days | 1,710 sqft |
2021-02-01 | 0 days | 1,710 sqft |
2021-03-01 | 0 days | 1,796 sqft |
2021-04-01 | 0 days | 2,009 sqft |
2021-05-01 | 0 days | 1,830 sqft |
2021-06-01 | 0 days | 1,742 sqft |
2021-07-01 | 0 days | 1,821 sqft |
2021-08-01 | 0 days | 1,747 sqft |
2021-09-01 | 0 days | 1,713 sqft |
2021-10-01 | 0 days | 1,773 sqft |
2021-11-01 | 0 days | 1,764 sqft |
2021-12-01 | 0 days | 1,719 sqft |
2022-01-01 | 0 days | 1,740 sqft |
2022-02-01 | 0 days | 1,681 sqft |
2022-03-01 | 0 days | 1,760 sqft |
2022-04-01 | 0 days | 1,733 sqft |
2022-05-01 | 0 days | 1,760 sqft |
2022-06-01 | 0 days | 1,775 sqft |
2022-07-01 | 0 days | 1,776 sqft |
2022-08-01 | 0 days | 1,776 sqft |
2022-09-01 | 0 days | 1,761 sqft |
2022-10-01 | 0 days | 1,751 sqft |
2022-11-01 | 0 days | 1,750 sqft |
2022-12-01 | 0 days | 1,778 sqft |
Huntsville's median square footage for active listings during the 2022-12-01 period was 1,778 sqft. One year prior, the average listing was 1,719 sqft.