Huntsville USDA Loan Rates, Closing Costs & Stats

Huntsville, 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.

    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%.

    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 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. Louis
    Date 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 for 2022-12-01 was $272,400, a difference of $16,977 (6.7%) versus the prior year and $3,455 versus the prior month.

    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. Louis
    Date 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 listing age (time on market) for 2022-12-01 was 0 days.

    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.