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
6.63%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Huntsville's average USDA mortgage closing costs are $5,612.
The average rate for the prior week (2024-04-12) was
6.68% and
one month ago for the week of 2024-03-15, the
average rate was 6.56%.
The average rate one year ago was 6%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.96%.
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 | $206,475 (4.6%) | $280,757 (9.9%) | 0.00 | 128 |
| 2018-02-01 | $212,750 (8.9%) | $280,142 (9.4%) | 0.00 | 131 |
| 2018-03-01 | $219,000 (9.8%) | $283,989 (3.7%) | 0.00 | 123 |
| 2018-04-01 | $228,173 (7.6%) | $290,150 (7.7%) | 0.00 | 129 |
| 2018-05-01 | $236,995 (9.4%) | $301,707 (12.7%) | 0.00 | 140 |
| 2018-06-01 | $239,450 (12.3%) | $296,276 (12.0%) | 0.00 | 151 |
| 2018-07-01 | $219,000 (4.3%) | $268,392 (2.3%) | 0.00 | 169 |
| 2018-08-01 | $214,650 (2.9%) | $258,619 (-0.5%) | 0.00 | 172 |
| 2018-09-01 | $215,000 (2.4%) | $255,946 (-3.0%) | 0.00 | 169 |
| 2018-10-01 | $215,000 (0.4%) | $255,695 (-4.5%) | 0.00 | 152 |
| 2018-11-01 | $215,150 (-0.4%) | $257,851 (-5.3%) | 0.00 | 153 |
| 2018-12-01 | $210,000 (-2.8%) | $244,725 (-11.1%) | 0.00 | 148 |
| 2019-01-01 | $214,975 (4.1%) | $241,145 (-14.1%) | 0.00 | 143 |
| 2019-02-01 | $215,000 (1.1%) | $256,692 (-8.4%) | 0.00 | 154 |
| 2019-03-01 | $214,629 (-2.0%) | $261,479 (-7.9%) | 0.00 | 152 |
| 2019-04-01 | $218,350 (-4.3%) | $271,865 (-6.3%) | 0.00 | 155 |
| 2019-05-01 | $223,725 (-5.6%) | $269,510 (-10.7%) | 0.00 | 159 |
| 2019-06-01 | $225,000 (-6.0%) | $269,638 (-9.0%) | 0.00 | 156 |
| 2019-07-01 | $223,250 (1.9%) | $253,163 (-5.7%) | 0.00 | 179 |
| 2019-08-01 | $219,727 (2.4%) | $247,754 (-4.2%) | 0.00 | 183 |
| 2019-09-01 | $219,318 (2.0%) | $246,378 (-3.7%) | 0.00 | 183 |
| 2019-10-01 | $219,545 (2.1%) | $247,837 (-3.1%) | 0.00 | 185 |
| 2019-11-01 | $220,000 (2.3%) | $255,400 (-1.0%) | 0.00 | 190 |
| 2019-12-01 | $215,411 (2.6%) | $257,937 (5.4%) | 0.00 | 200 |
| 2020-01-01 | $214,500 (-0.2%) | $260,790 (8.2%) | 0.00 | 180 |
| 2020-02-01 | $213,576 (-0.7%) | $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 (-3.9%) | 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 (9.6%) | 0.00 | 214 |
| 2020-09-01 | $218,750 (-0.3%) | $262,252 (6.4%) | 0.00 | 207 |
| 2020-10-01 | $212,613 (-3.2%) | $266,162 (7.4%) | 0.00 | 170 |
| 2020-11-01 | $208,300 (-5.3%) | $248,952 (-2.5%) | 0.00 | 158 |
| 2020-12-01 | $205,569 (-4.6%) | $245,450 (-4.8%) | 0.00 | 148 |
| 2021-01-01 | $209,500 (-2.3%) | $248,655 (-4.7%) | 0.00 | 115 |
| 2021-02-01 | $212,481 (-0.5%) | $261,482 (0.6%) | 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%) | $301,837 (13.4%) | 0.00 | 81 |
| 2021-11-01 | $253,743 (21.8%) | $336,442 (35.1%) | 0.00 | 97 |
| 2021-12-01 | $254,470 (23.8%) | $333,394 (35.8%) | 0.00 | 97 |
| 2022-01-01 | $253,900 (21.2%) | $334,522 (34.5%) | 0.00 | 105 |
| 2022-02-01 | $249,600 (17.5%) | $325,458 (24.5%) | 0.00 | 103 |
| 2022-03-01 | $257,650 (17.8%) | $335,628 (23.3%) | 0.00 | 97 |
| 2022-04-01 | $259,850 (6.1%) | $334,791 (16.2%) | 0.00 | 102 |
| 2022-05-01 | $271,929 (15.7%) | $344,717 (25.8%) | 0.00 | 158 |
| 2022-06-01 | $271,344 (23.4%) | $330,644 (22.1%) | 0.00 | 200 |
| 2022-07-01 | $275,990 (12.9%) | $339,046 (16.1%) | 0.00 | 222 |
| 2022-08-01 | $274,743 (14.1%) | $338,027 (15.2%) | 0.00 | 197 |
| 2022-09-01 | $269,954 (13.8%) | $329,954 (15.4%) | 0.00 | 195 |
| 2022-10-01 | $266,990 (7.7%) | $324,767 (7.6%) | 0.00 | 208 |
| 2022-11-01 | $267,695 (5.5%) | $328,534 (-2.4%) | 0.00 | 195 |
| 2022-12-01 | $269,900 (6.1%) | $323,430 (-3.0%) | 0.00 | 170 |
| 2023-01-01 | $266,457 (5.0%) | $326,904 (-2.3%) | 0.00 | 164 |
| 2023-02-01 | $259,450 (4.0%) | $321,909 (-1.1%) | 0.00 | 178 |
| 2023-03-01 | $269,900 (4.8%) | $340,978 (1.6%) | 0.00 | 173 |
| 2023-04-01 | $276,990 (6.6%) | $345,165 (3.1%) | 0.00 | 165 |
| 2023-05-01 | $288,300 (6.0%) | $350,240 (1.6%) | 0.00 | 177 |
| 2023-06-01 | $289,914 (6.8%) | $357,233 (8.0%) | 0.00 | 198 |
| 2023-07-01 | $299,950 (8.7%) | $392,873 (15.9%) | 0.00 | 212 |
| 2023-08-01 | $299,220 (8.9%) | $408,549 (20.9%) | 0.00 | 219 |
| 2023-09-01 | $289,000 (7.1%) | $373,507 (13.2%) | 0.00 | 223 |
| 2023-10-01 | $285,000 (6.8%) | $358,129 (10.3%) | 0.00 | 232 |
| 2023-11-01 | $285,213 (6.5%) | $366,025 (11.4%) | 0.00 | 231 |
| 2023-12-01 | $285,000 (5.6%) | $359,859 (11.3%) | 0.00 | 210 |
| 2024-01-01 | $282,445 (6.0%) | $354,876 (8.6%) | 0.00 | 207 |
| 2024-02-01 | $279,900 (7.9%) | $356,035 (10.6%) | 0.00 | 199 |
| 2024-03-01 | $272,000 (0.8%) | $354,634 (4.0%) | 0.00 | 220 |
Huntsville's median listing price comes in at 0% of the national average.
Huntsville's average listing price for 2024-03-01 was $354,634, a difference of $13,656 (4.0%) versus the prior year and $-1,401 versus the prior month.
For the 2024-03-01 period, Huntsville had 220 MLS listings, a difference of 21 listings (11%) versus the prior month and 47 listings (27%) 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 | 1,918 sqft |
| 2018-03-01 | 0 days | 2,038 sqft |
| 2018-04-01 | 0 days | 2,048 sqft |
| 2018-05-01 | 0 days | 2,055 sqft |
| 2018-06-01 | 0 days | 2,060 sqft |
| 2018-07-01 | 0 days | 2,023 sqft |
| 2018-08-01 | 0 days | 1,984 sqft |
| 2018-09-01 | 0 days | 1,966 sqft |
| 2018-10-01 | 0 days | 1,939 sqft |
| 2018-11-01 | 0 days | 1,920 sqft |
| 2018-12-01 | 0 days | 1,868 sqft |
| 2019-01-01 | 0 days | 1,884 sqft |
| 2019-02-01 | 0 days | 1,871 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 | 1,860 sqft |
| 2019-09-01 | 0 days | 1,858 sqft |
| 2019-10-01 | 0 days | 1,856 sqft |
| 2019-11-01 | 0 days | 1,851 sqft |
| 2019-12-01 | 0 days | 1,820 sqft |
| 2020-01-01 | 0 days | 1,851 sqft |
| 2020-02-01 | 0 days | 1,853 sqft |
| 2020-03-01 | 0 days | 1,846 sqft |
| 2020-04-01 | 0 days | 1,886 sqft |
| 2020-05-01 | 0 days | 1,905 sqft |
| 2020-06-01 | 0 days | 1,939 sqft |
| 2020-07-01 | 0 days | 1,903 sqft |
| 2020-08-01 | 0 days | 1,868 sqft |
| 2020-09-01 | 0 days | 1,858 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 | 1,733 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 | 1,758 sqft |
| 2021-11-01 | 0 days | 1,763 sqft |
| 2021-12-01 | 0 days | 1,705 sqft |
| 2022-01-01 | 0 days | 1,740 sqft |
| 2022-02-01 | 0 days | 1,678 sqft |
| 2022-03-01 | 0 days | 1,759 sqft |
| 2022-04-01 | 0 days | 1,672 sqft |
| 2022-05-01 | 0 days | 1,759 sqft |
| 2022-06-01 | 0 days | 1,774 sqft |
| 2022-07-01 | 0 days | 1,776 sqft |
| 2022-08-01 | 0 days | 1,776 sqft |
| 2022-09-01 | 0 days | 1,760 sqft |
| 2022-10-01 | 0 days | 1,748 sqft |
| 2022-11-01 | 0 days | 1,750 sqft |
| 2022-12-01 | 0 days | 1,776 sqft |
| 2023-01-01 | 0 days | 1,788 sqft |
| 2023-02-01 | 0 days | 1,704 sqft |
| 2023-03-01 | 0 days | 1,775 sqft |
| 2023-04-01 | 0 days | 1,763 sqft |
| 2023-05-01 | 0 days | 1,775 sqft |
| 2023-06-01 | 0 days | 1,803 sqft |
| 2023-07-01 | 0 days | 1,960 sqft |
| 2023-08-01 | 0 days | 1,951 sqft |
| 2023-09-01 | 0 days | 1,848 sqft |
| 2023-10-01 | 0 days | 1,839 sqft |
| 2023-11-01 | 0 days | 1,839 sqft |
| 2023-12-01 | 0 days | 1,842 sqft |
| 2024-01-01 | 0 days | 1,833 sqft |
| 2024-02-01 | 0 days | 1,821 sqft |
| 2024-03-01 | 0 days | 1,797 sqft |
Huntsville's median square footage for active listings during the 2024-03-01 period was 1,797 sqft. One year prior, the average listing was 1,775 sqft.