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 5 lenders originated 9 USDA loans during 2022. The total origination value was $2,055,000, with an average USDA loan value of $228,333.

Huntsville USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Huntsville averaged 6.15% for the week of 2024-02-16, compared to the national average (all USDA variants) of 6.685% for the same period.

Huntsville's average USDA mortgage closing costs are $5,471.

The average rate for the prior week (2024-02-09) was 5.99% and one month ago for the week of 2024-01-12, the average rate was 5.91%.

The average rate one year ago was 5.75%.

For refis of the same type during the week of 2024-02-16, the average rate was 5.46%.

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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
DHI MORTGAGE COMPANY, LTD. 2 5.00% $6,890
Flagstar Bank, FSB 2 3.56% $7,794
Wallick & Volk, Inc. 2 5.75% $6,441
HOMETRUST MORTGAGE COMPANY 1 5.63% $10,140
PLAZA HOME MORTGAGE, INC. 1 5.63% $13,684

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 $6,890, which is $904 lower than the next largest lender, Flagstar Bank, FSB.

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 (7.8%) $276,779 (11.0%) 0.00 112
2018-02-01 $214,600 (9.9%) $272,249 (10.0%) 0.00 115
2018-03-01 $219,995 (11.2%) $276,564 (4.4%) 0.00 105
2018-04-01 $228,945 (7.0%) $279,890 (8.3%) 0.00 110
2018-05-01 $233,073 (8.3%) $290,888 (13.2%) 0.00 124
2018-06-01 $235,500 (10.6%) $285,373 (12.5%) 0.00 132
2018-07-01 $217,725 (3.7%) $256,018 (2.7%) 0.00 148
2018-08-01 $214,025 (2.7%) $246,274 (-0.9%) 0.00 150
2018-09-01 $215,000 (2.9%) $244,948 (-4.0%) 0.00 149
2018-10-01 $216,425 (1.0%) $245,056 (-5.8%) 0.00 129
2018-11-01 $215,150 (-0.7%) $247,725 (-6.6%) 0.00 133
2018-12-01 $210,000 (-4.4%) $230,930 (-12.3%) 0.00 129
2019-01-01 $214,400 (0.1%) $226,741 (-15.0%) 0.00 128
2019-02-01 $213,550 (-0.5%) $245,853 (-8.9%) 0.00 140
2019-03-01 $213,600 (-2.9%) $251,667 (-8.5%) 0.00 138
2019-04-01 $220,300 (-3.8%) $265,308 (-6.8%) 0.00 139
2019-05-01 $227,450 (-2.4%) $263,645 (-11.1%) 0.00 144
2019-06-01 $229,400 (-2.6%) $263,143 (-9.4%) 0.00 139
2019-07-01 $225,975 (3.8%) $255,992 (-6.1%) 0.00 159
2019-08-01 $220,909 (3.2%) $251,955 (-2.9%) 0.00 164
2019-09-01 $220,398 (2.5%) $252,111 (-2.5%) 0.00 168
2019-10-01 $221,807 (2.5%) $254,355 (-1.8%) 0.00 171
2019-11-01 $221,750 (3.1%) $258,814 (0.3%) 0.00 178
2019-12-01 $217,314 (3.5%) $261,723 (6.8%) 0.00 185
2020-01-01 $214,944 (0.3%) $263,973 (8.6%) 0.00 167
2020-02-01 $212,500 (-0.5%) $262,357 (1.2%) 0.00 170
2020-03-01 $217,703 (1.9%) $256,275 (-3.0%) 0.00 172
2020-04-01 $220,000 (-0.1%) $265,161 (-3.9%) 0.00 173
2020-05-01 $229,950 (1.1%) $274,902 (0.0%) 0.00 176
2020-06-01 $235,000 (2.4%) $280,030 (1.7%) 0.00 178
2020-07-01 $224,950 (-0.5%) $281,169 (8.4%) 0.00 191
2020-08-01 $224,950 (1.8%) $275,514 (8.6%) 0.00 199
2020-09-01 $218,000 (-1.1%) $263,926 (5.5%) 0.00 194
2020-10-01 $212,613 (-4.2%) $265,144 (6.5%) 0.00 156
2020-11-01 $209,898 (-5.3%) $251,422 (-3.3%) 0.00 146
2020-12-01 $208,169 (-4.2%) $248,460 (-5.6%) 0.00 137
2021-01-01 $210,000 (-2.3%) $252,588 (-5.0%) 0.00 107
2021-02-01 $216,450 (1.9%) $269,914 (0.6%) 0.00 95
2021-03-01 $219,031 (0.6%) $277,614 (7.4%) 0.00 72
2021-04-01 $248,115 (12.8%) $295,070 (10.3%) 0.00 69
2021-05-01 $245,566 (6.8%) $279,050 (1.7%) 0.00 65
2021-06-01 $219,950 (-6.4%) $281,241 (-1.2%) 0.00 66
2021-07-01 $244,750 (8.8%) $283,841 (6.4%) 0.00 69
2021-08-01 $237,450 (5.6%) $285,438 (8.1%) 0.00 65
2021-09-01 $233,725 (7.2%) $275,490 (9.1%) 0.00 69
2021-10-01 $245,900 (15.7%) $293,550 (15.0%) 0.00 75
2021-11-01 $249,900 (19.1%) $334,098 (36.2%) 0.00 91
2021-12-01 $253,695 (21.9%) $331,852 (36.9%) 0.00 92
2022-01-01 $253,445 (20.7%) $336,240 (34.9%) 0.00 100
2022-02-01 $249,525 (15.3%) $328,219 (25.4%) 0.00 98
2022-03-01 $257,650 (17.6%) $337,240 (24.1%) 0.00 92
2022-04-01 $259,850 (4.7%) $337,249 (17.0%) 0.00 98
2022-05-01 $272,045 (10.8%) $347,077 (25.8%) 0.00 154
2022-06-01 $271,945 (23.6%) $333,268 (22.4%) 0.00 194
2022-07-01 $276,490 (13.0%) $339,157 (16.4%) 0.00 213
2022-08-01 $274,995 (15.8%) $339,076 (15.5%) 0.00 186
2022-09-01 $269,976 (15.5%) $325,679 (15.4%) 0.00 182
2022-10-01 $267,458 (8.8%) $319,132 (6.1%) 0.00 193
2022-11-01 $266,695 (6.7%) $328,373 (-3.1%) 0.00 182
2022-12-01 $274,900 (8.4%) $321,971 (-3.7%) 0.00 159
2023-01-01 $267,048 (5.4%) $325,710 (-2.6%) 0.00 154
2023-02-01 $259,450 (4.0%) $321,068 (-2.0%) 0.00 165
2023-03-01 $270,275 (4.9%) $343,030 (0.9%) 0.00 158
2023-04-01 $277,745 (6.9%) $349,675 (2.0%) 0.00 147
2023-05-01 $288,900 (6.2%) $354,522 (1.1%) 0.00 164
2023-06-01 $291,675 (7.3%) $360,778 (7.8%) 0.00 178
2023-07-01 $300,000 (8.5%) $398,164 (15.6%) 0.00 195
2023-08-01 $299,999 (9.1%) $415,394 (20.6%) 0.00 205
2023-09-01 $289,000 (7.1%) $378,137 (13.2%) 0.00 207
2023-10-01 $285,250 (6.7%) $362,637 (10.3%) 0.00 218
2023-11-01 $286,188 (7.3%) $370,084 (11.4%) 0.00 217
2023-12-01 $290,000 (5.5%) $367,712 (0.0%) 0.00 195
Huntsville's median listing price for 2023-12-01 was $290,000, a difference of $15,100 (5.5%) versus the prior year and $3,812 versus the prior month.

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

Huntsville's average listing price for 2023-12-01 was $367,712, a difference of $45,741 (0.0%) versus the prior year and $-2,372 versus the prior month.

For the 2023-12-01 period, Huntsville had 195 MLS listings, a difference of -22 listings (-10%) versus the prior month and 36 listings (23%) 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 1,914 sqft
2018-02-01 0 days 1,891 sqft
2018-03-01 0 days 2,033 sqft
2018-04-01 0 days 2,047 sqft
2018-05-01 0 days 2,049 sqft
2018-06-01 0 days 2,058 sqft
2018-07-01 0 days 2,003 sqft
2018-08-01 0 days 1,970 sqft
2018-09-01 0 days 1,955 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 1,859 sqft
2019-02-01 0 days 1,865 sqft
2019-03-01 0 days 1,890 sqft
2019-04-01 0 days 1,919 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 1,862 sqft
2019-09-01 0 days 1,863 sqft
2019-10-01 0 days 1,863 sqft
2019-11-01 0 days 1,853 sqft
2019-12-01 0 days 1,825 sqft
2020-01-01 0 days 1,852 sqft
2020-02-01 0 days 1,848 sqft
2020-03-01 0 days 1,840 sqft
2020-04-01 0 days 1,867 sqft
2020-05-01 0 days 1,905 sqft
2020-06-01 0 days 1,941 sqft
2020-07-01 0 days 1,914 sqft
2020-08-01 0 days 1,873 sqft
2020-09-01 0 days 1,856 sqft
2020-10-01 0 days 1,823 sqft
2020-11-01 0 days 1,794 sqft
2020-12-01 0 days 1,682 sqft
2021-01-01 0 days 1,750 sqft
2021-02-01 0 days 1,795 sqft
2021-03-01 0 days 1,796 sqft
2021-04-01 0 days 2,013 sqft
2021-05-01 0 days 1,865 sqft
2021-06-01 0 days 1,786 sqft
2021-07-01 0 days 1,814 sqft
2021-08-01 0 days 1,772 sqft
2021-09-01 0 days 1,737 sqft
2021-10-01 0 days 1,777 sqft
2021-11-01 0 days 1,796 sqft
2021-12-01 0 days 1,727 sqft
2022-01-01 0 days 1,751 sqft
2022-02-01 0 days 1,680 sqft
2022-03-01 0 days 1,759 sqft
2022-04-01 0 days 1,672 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 1,777 sqft
2022-09-01 0 days 1,765 sqft
2022-10-01 0 days 1,751 sqft
2022-11-01 0 days 1,748 sqft
2022-12-01 0 days 1,780 sqft
2023-01-01 0 days 1,795 sqft
2023-02-01 0 days 1,706 sqft
2023-03-01 0 days 1,778 sqft
2023-04-01 0 days 1,776 sqft
2023-05-01 0 days 1,781 sqft
2023-06-01 0 days 1,819 sqft
2023-07-01 0 days 1,985 sqft
2023-08-01 0 days 2,000 sqft
2023-09-01 0 days 1,898 sqft
2023-10-01 0 days 1,859 sqft
2023-11-01 0 days 1,848 sqft
2023-12-01 0 days 1,873 sqft
Huntsville's median listing age (time on market) for 2023-12-01 was 0 days.

Huntsville's median square footage for active listings during the 2023-12-01 period was 1,873 sqft. One year prior, the average listing was 1,780 sqft.