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 3 lenders originated 5 USDA loans during 2023. The total origination value was $1,115,000, with an average USDA loan value of $223,000.
Huntsville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Huntsville
averaged
6.49%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Huntsville's average USDA mortgage closing costs are $5,612.
The average rate for the prior week (2025-02-07) was
6.45% and
one month ago for the week of 2025-01-10, the
average rate was 6.49%.
The average rate one year ago was 6.09%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.33%.
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 | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 2 | 5.12% | $7,200 |
| SWBC MORTGAGE CORPORATION | 2 | 5.81% | $6,097 |
| AMCAP MORTGAGE, LTD. | 1 | 6.88% | $7,933 |
The top Huntsville USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with
2 USDA loans originated. Their average total fees are
$7,200, which is $1,104
higher than the next largest lender,
SWBC MORTGAGE CORPORATION.
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. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $214,250 (6.2%) | $277,613 (7.7%) | 0.00 | 111 |
| 2018-02-01 | $216,448 (10.2%) | $273,930 (6.6%) | 0.00 | 114 |
| 2018-03-01 | $220,000 (10.3%) | $278,451 (1.2%) | 0.00 | 104 |
| 2018-04-01 | $229,198 (6.6%) | $279,353 (2.5%) | 0.00 | 108 |
| 2018-05-01 | $233,718 (7.5%) | $292,437 (8.4%) | 0.00 | 121 |
| 2018-06-01 | $236,995 (10.7%) | $285,237 (6.7%) | 0.00 | 129 |
| 2018-07-01 | $217,725 (2.7%) | $255,608 (-2.1%) | 0.00 | 146 |
| 2018-08-01 | $213,550 (1.7%) | $245,194 (-3.7%) | 0.00 | 149 |
| 2018-09-01 | $215,000 (2.4%) | $245,138 (-5.9%) | 0.00 | 147 |
| 2018-10-01 | $216,425 (0.7%) | $245,633 (-6.2%) | 0.00 | 129 |
| 2018-11-01 | $215,150 (-1.5%) | $247,620 (-7.4%) | 0.00 | 133 |
| 2018-12-01 | $210,000 (-4.5%) | $231,553 (-15.2%) | 0.00 | 129 |
| 2019-01-01 | $214,925 (0.3%) | $227,880 (-17.9%) | 0.00 | 127 |
| 2019-02-01 | $213,775 (-1.2%) | $247,041 (-9.8%) | 0.00 | 139 |
| 2019-03-01 | $214,371 (-2.6%) | $252,893 (-9.2%) | 0.00 | 137 |
| 2019-04-01 | $222,125 (-3.1%) | $266,550 (-4.6%) | 0.00 | 138 |
| 2019-05-01 | $227,450 (-2.7%) | $263,645 (-9.9%) | 0.00 | 144 |
| 2019-06-01 | $229,400 (-3.2%) | $264,082 (-7.4%) | 0.00 | 139 |
| 2019-07-01 | $228,950 (5.2%) | $259,565 (1.6%) | 0.00 | 156 |
| 2019-08-01 | $222,909 (4.4%) | $255,744 (4.3%) | 0.00 | 161 |
| 2019-09-01 | $221,273 (2.9%) | $255,258 (4.1%) | 0.00 | 165 |
| 2019-10-01 | $222,682 (2.9%) | $257,037 (4.6%) | 0.00 | 169 |
| 2019-11-01 | $223,500 (3.9%) | $261,502 (5.6%) | 0.00 | 176 |
| 2019-12-01 | $220,000 (4.8%) | $266,052 (14.9%) | 0.00 | 181 |
| 2020-01-01 | $217,850 (1.4%) | $267,995 (17.6%) | 0.00 | 164 |
| 2020-02-01 | $214,405 (0.3%) | $265,262 (7.4%) | 0.00 | 166 |
| 2020-03-01 | $218,351 (1.9%) | $256,829 (1.6%) | 0.00 | 168 |
| 2020-04-01 | $220,750 (-0.6%) | $267,494 (0.4%) | 0.00 | 167 |
| 2020-05-01 | $230,000 (1.1%) | $275,579 (4.5%) | 0.00 | 171 |
| 2020-06-01 | $235,000 (2.4%) | $280,112 (6.1%) | 0.00 | 174 |
| 2020-07-01 | $224,975 (-1.7%) | $280,097 (7.9%) | 0.00 | 188 |
| 2020-08-01 | $224,950 (0.9%) | $275,956 (7.9%) | 0.00 | 196 |
| 2020-09-01 | $218,000 (-1.5%) | $264,308 (3.6%) | 0.00 | 192 |
| 2020-10-01 | $214,550 (-3.7%) | $266,791 (3.8%) | 0.00 | 153 |
| 2020-11-01 | $210,161 (-6.0%) | $254,430 (-2.7%) | 0.00 | 142 |
| 2020-12-01 | $208,625 (-5.2%) | $250,567 (-5.8%) | 0.00 | 134 |
| 2021-01-01 | $211,125 (-3.1%) | $254,857 (-4.9%) | 0.00 | 102 |
| 2021-02-01 | $218,475 (1.9%) | $274,085 (3.3%) | 0.00 | 91 |
| 2021-03-01 | $217,656 (-0.3%) | $278,634 (8.5%) | 0.00 | 70 |
| 2021-04-01 | $250,924 (13.7%) | $299,996 (12.2%) | 0.00 | 65 |
| 2021-05-01 | $239,900 (4.3%) | $282,575 (2.5%) | 0.00 | 61 |
| 2021-06-01 | $221,225 (-5.9%) | $284,338 (1.5%) | 0.00 | 64 |
| 2021-07-01 | $244,500 (8.7%) | $285,753 (2.0%) | 0.00 | 68 |
| 2021-08-01 | $237,450 (5.6%) | $285,438 (3.4%) | 0.00 | 65 |
| 2021-09-01 | $234,901 (7.8%) | $276,180 (4.5%) | 0.00 | 69 |
| 2021-10-01 | $247,450 (15.3%) | $297,938 (11.7%) | 0.00 | 76 |
| 2021-11-01 | $249,975 (18.9%) | $338,489 (33.0%) | 0.00 | 92 |
| 2021-12-01 | $253,993 (21.8%) | $334,812 (33.6%) | 0.00 | 93 |
| 2022-01-01 | $253,445 (20.0%) | $336,240 (31.9%) | 0.00 | 100 |
| 2022-02-01 | $249,900 (14.4%) | $335,175 (22.3%) | 0.00 | 97 |
| 2022-03-01 | $258,098 (18.6%) | $342,105 (22.8%) | 0.00 | 92 |
| 2022-04-01 | $259,900 (3.6%) | $339,438 (13.2%) | 0.00 | 98 |
| 2022-05-01 | $272,045 (13.4%) | $347,077 (22.8%) | 0.00 | 154 |
| 2022-06-01 | $271,945 (22.9%) | $333,268 (17.2%) | 0.00 | 194 |
| 2022-07-01 | $276,990 (13.3%) | $339,157 (18.7%) | 0.00 | 214 |
| 2022-08-01 | $275,245 (15.9%) | $340,135 (19.2%) | 0.00 | 187 |
| 2022-09-01 | $270,976 (15.4%) | $326,935 (18.4%) | 0.00 | 183 |
| 2022-10-01 | $267,650 (8.2%) | $320,369 (7.5%) | 0.00 | 194 |
| 2022-11-01 | $267,797 (7.1%) | $329,678 (-2.6%) | 0.00 | 183 |
| 2022-12-01 | $274,900 (8.2%) | $323,393 (-3.4%) | 0.00 | 160 |
| 2023-01-01 | $267,560 (5.6%) | $327,171 (-2.7%) | 0.00 | 154 |
| 2023-02-01 | $259,450 (3.8%) | $321,774 (-4.0%) | 0.00 | 165 |
| 2023-03-01 | $270,600 (4.8%) | $343,973 (0.6%) | 0.00 | 159 |
| 2023-04-01 | $281,700 (8.4%) | $351,016 (3.4%) | 0.00 | 148 |
| 2023-05-01 | $289,900 (6.6%) | $357,717 (3.1%) | 0.00 | 162 |
| 2023-06-01 | $293,450 (7.9%) | $363,419 (9.1%) | 0.00 | 178 |
| 2023-07-01 | $303,100 (9.4%) | $399,278 (17.7%) | 0.00 | 195 |
| 2023-08-01 | $300,000 (9.0%) | $415,842 (22.3%) | 0.00 | 205 |
| 2023-09-01 | $289,000 (6.7%) | $378,137 (15.7%) | 0.00 | 207 |
| 2023-10-01 | $285,250 (6.6%) | $362,637 (13.2%) | 0.00 | 218 |
| 2023-11-01 | $286,188 (6.9%) | $370,084 (12.3%) | 0.00 | 217 |
| 2023-12-01 | $290,000 (5.5%) | $367,712 (13.7%) | 0.00 | 195 |
| 2024-01-01 | $291,300 (8.9%) | $365,804 (11.8%) | 0.00 | 194 |
| 2024-02-01 | $287,000 (10.6%) | $368,851 (14.6%) | 0.00 | 184 |
| 2024-03-01 | $279,948 (3.5%) | $366,592 (6.6%) | 0.00 | 196 |
| 2024-04-01 | $279,900 (-0.6%) | $374,593 (6.7%) | 0.00 | 204 |
| 2024-05-01 | $279,948 (-3.4%) | $387,773 (8.4%) | 0.00 | 189 |
| 2024-06-01 | $269,900 (-8.0%) | $375,859 (3.4%) | 0.00 | 213 |
| 2024-07-01 | $274,729 (-9.4%) | $380,939 (-4.6%) | 0.00 | 217 |
| 2024-08-01 | $282,450 (-5.9%) | $386,141 (-7.1%) | 0.00 | 212 |
| 2024-09-01 | $299,000 (3.5%) | $402,676 (6.5%) | 0.00 | 230 |
| 2024-10-01 | $288,075 (1.0%) | $393,566 (8.5%) | 0.00 | 242 |
| 2024-11-01 | $285,000 (-0.4%) | $378,955 (2.4%) | 0.00 | 235 |
| 2024-12-01 | $284,600 (-1.9%) | $371,732 (1.1%) | 0.00 | 221 |
| 2025-01-01 | $285,950 (-1.8%) | $364,674 (-0.3%) | 0.00 | 217 |
Huntsville's median listing price comes in at 0% of the national average.
Huntsville's average listing price for 2025-01-01 was $364,674, a difference of $-1,130 (-0.3%) versus the prior year and $-7,058 versus the prior month.
For the 2025-01-01 period, Huntsville had 217 MLS listings, a difference of -4 listings (-2%) versus the prior month and 23 listings (12%) 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 | 0 days | 1,916 sqft |
| 2018-02-01 | 0 days | 1,902 sqft |
| 2018-03-01 | 0 days | 2,038 sqft |
| 2018-04-01 | 0 days | 2,048 sqft |
| 2018-05-01 | 0 days | 2,047 sqft |
| 2018-06-01 | 0 days | 2,058 sqft |
| 2018-07-01 | 0 days | 2,003 sqft |
| 2018-08-01 | 0 days | 1,965 sqft |
| 2018-09-01 | 0 days | 1,944 sqft |
| 2018-10-01 | 0 days | 1,950 sqft |
| 2018-11-01 | 0 days | 1,903 sqft |
| 2018-12-01 | 0 days | 1,855 sqft |
| 2019-01-01 | 0 days | 1,862 sqft |
| 2019-02-01 | 0 days | 1,868 sqft |
| 2019-03-01 | 0 days | 1,892 sqft |
| 2019-04-01 | 0 days | 1,920 sqft |
| 2019-05-01 | 0 days | 1,920 sqft |
| 2019-06-01 | 0 days | 1,924 sqft |
| 2019-07-01 | 0 days | 1,919 sqft |
| 2019-08-01 | 0 days | 1,873 sqft |
| 2019-09-01 | 0 days | 1,872 sqft |
| 2019-10-01 | 0 days | 1,872 sqft |
| 2019-11-01 | 0 days | 1,855 sqft |
| 2019-12-01 | 0 days | 1,838 sqft |
| 2020-01-01 | 0 days | 1,861 sqft |
| 2020-02-01 | 0 days | 1,853 sqft |
| 2020-03-01 | 0 days | 1,842 sqft |
| 2020-04-01 | 0 days | 1,886 sqft |
| 2020-05-01 | 0 days | 1,913 sqft |
| 2020-06-01 | 0 days | 1,956 sqft |
| 2020-07-01 | 0 days | 1,912 sqft |
| 2020-08-01 | 0 days | 1,873 sqft |
| 2020-09-01 | 0 days | 1,856 sqft |
| 2020-10-01 | 0 days | 1,838 sqft |
| 2020-11-01 | 0 days | 1,796 sqft |
| 2020-12-01 | 0 days | 1,691 sqft |
| 2021-01-01 | 0 days | 1,823 sqft |
| 2021-02-01 | 0 days | 1,803 sqft |
| 2021-03-01 | 0 days | 1,796 sqft |
| 2021-04-01 | 0 days | 2,017 sqft |
| 2021-05-01 | 0 days | 1,861 sqft |
| 2021-06-01 | 0 days | 1,786 sqft |
| 2021-07-01 | 0 days | 1,814 sqft |
| 2021-08-01 | 0 days | 1,767 sqft |
| 2021-09-01 | 0 days | 1,742 sqft |
| 2021-10-01 | 0 days | 1,796 sqft |
| 2021-11-01 | 0 days | 1,805 sqft |
| 2021-12-01 | 0 days | 1,751 sqft |
| 2022-01-01 | 0 days | 1,760 sqft |
| 2022-02-01 | 0 days | 1,695 sqft |
| 2022-03-01 | 0 days | 1,764 sqft |
| 2022-04-01 | 0 days | 1,703 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 | 1,778 sqft |
| 2022-09-01 | 0 days | 1,768 sqft |
| 2022-10-01 | 0 days | 1,751 sqft |
| 2022-11-01 | 0 days | 1,752 sqft |
| 2022-12-01 | 0 days | 1,786 sqft |
| 2023-01-01 | 0 days | 1,801 sqft |
| 2023-02-01 | 0 days | 1,706 sqft |
| 2023-03-01 | 0 days | 1,779 sqft |
| 2023-04-01 | 0 days | 1,780 sqft |
| 2023-05-01 | 0 days | 1,787 sqft |
| 2023-06-01 | 0 days | 1,840 sqft |
| 2023-07-01 | 0 days | 2,000 sqft |
| 2023-08-01 | 0 days | 2,007 sqft |
| 2023-09-01 | 0 days | 1,898 sqft |
| 2023-10-01 | 0 days | 1,864 sqft |
| 2023-11-01 | 0 days | 1,848 sqft |
| 2023-12-01 | 0 days | 1,873 sqft |
| 2024-01-01 | 0 days | 1,877 sqft |
| 2024-02-01 | 0 days | 1,876 sqft |
| 2024-03-01 | 0 days | 1,822 sqft |
| 2024-04-01 | 0 days | 1,776 sqft |
| 2024-05-01 | 0 days | 1,796 sqft |
| 2024-06-01 | 0 days | 1,751 sqft |
| 2024-07-01 | 0 days | 1,747 sqft |
| 2024-08-01 | 0 days | 1,810 sqft |
| 2024-09-01 | 0 days | 1,872 sqft |
| 2024-10-01 | 0 days | 1,859 sqft |
| 2024-11-01 | 0 days | 1,817 sqft |
| 2024-12-01 | 0 days | 1,808 sqft |
| 2025-01-01 | 0 days | 1,813 sqft |
Huntsville's median square footage for active listings during the 2025-01-01 period was 1,813 sqft. One year prior, the average listing was 1,877 sqft.