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%.

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.