Jacksonville USDA Loan Rates, Closing Costs & Stats

Jacksonville, 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.

    Jacksonville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Jacksonville averaged 6.62% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Jacksonville's average USDA mortgage closing costs are $5,391.

    The average rate for the prior week (2025-02-07) was 6.78% and one month ago for the week of 2025-01-10, the average rate was 6.92%.

    The average rate one year ago was 6.51%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.63%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Jacksonville 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 Jacksonville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs

    The lowest fee Jacksonville USDA lenders (with over 10 loans originated) are .

    The lowest rate Jacksonville USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Jacksonville (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 $211,075 (11.2%) $296,627 (12.2%) 0.00 176
    2018-02-01 $207,435 (9.2%) $311,598 (19.0%) 0.00 181
    2018-03-01 $225,900 (4.0%) $317,721 (8.7%) 0.00 185
    2018-04-01 $227,225 (-1.2%) $323,230 (8.2%) 0.00 182
    2018-05-01 $234,000 (-4.7%) $328,036 (7.5%) 0.00 179
    2018-06-01 $240,500 (-7.0%) $330,162 (1.4%) 0.00 184
    2018-07-01 $244,500 (-0.2%) $315,751 (-0.9%) 0.00 204
    2018-08-01 $240,500 (7.9%) $308,280 (2.2%) 0.00 202
    2018-09-01 $237,000 (16.0%) $313,319 (9.6%) 0.00 198
    2018-10-01 $236,550 (21.0%) $299,936 (6.0%) 0.00 184
    2018-11-01 $235,000 (18.3%) $309,972 (9.9%) 0.00 191
    2018-12-01 $235,000 (10.7%) $310,638 (7.2%) 0.00 185
    2019-01-01 $233,750 (10.7%) $309,644 (4.4%) 0.00 180
    2019-02-01 $229,550 (10.7%) $316,314 (1.5%) 0.00 172
    2019-03-01 $237,264 (5.0%) $315,929 (-0.6%) 0.00 179
    2019-04-01 $242,514 (6.7%) $310,165 (-4.0%) 0.00 197
    2019-05-01 $249,700 (6.7%) $342,251 (4.3%) 0.00 207
    2019-06-01 $249,900 (3.9%) $347,965 (5.4%) 0.00 199
    2019-07-01 $241,459 (-1.2%) $347,679 (10.1%) 0.00 179
    2019-08-01 $244,850 (1.8%) $349,223 (13.3%) 0.00 174
    2019-09-01 $247,325 (4.4%) $342,519 (9.3%) 0.00 163
    2019-10-01 $249,375 (5.4%) $340,698 (13.6%) 0.00 151
    2019-11-01 $243,000 (3.4%) $332,812 (7.4%) 0.00 156
    2019-12-01 $239,173 (1.8%) $326,085 (5.0%) 0.00 167
    2020-01-01 $241,095 (3.1%) $324,091 (4.7%) 0.00 153
    2020-02-01 $235,000 (2.4%) $321,764 (1.7%) 0.00 155
    2020-03-01 $243,698 (2.7%) $347,155 (9.9%) 0.00 143
    2020-04-01 $253,150 (4.4%) $343,980 (10.9%) 0.00 143
    2020-05-01 $260,000 (4.1%) $354,872 (3.7%) 0.00 128
    2020-06-01 $261,000 (4.4%) $364,479 (4.8%) 0.00 114
    2020-07-01 $268,360 (11.1%) $369,341 (6.2%) 0.00 109
    2020-08-01 $269,220 (10.0%) $366,875 (5.1%) 0.00 102
    2020-09-01 $247,918 (0.2%) $333,739 (-2.6%) 0.00 91
    2020-10-01 $236,500 (-5.2%) $331,502 (-2.7%) 0.00 81
    2020-11-01 $227,175 (-6.5%) $311,598 (-6.4%) 0.00 85
    2020-12-01 $256,425 (7.2%) $355,445 (9.0%) 0.00 74
    2021-01-01 $256,275 (6.3%) $357,068 (10.2%) 0.00 68
    2021-02-01 $272,450 (15.9%) $376,646 (17.1%) 0.00 63
    2021-03-01 $260,300 (6.8%) $371,070 (6.9%) 0.00 56
    2021-04-01 $262,375 (3.6%) $345,274 (0.4%) 0.00 55
    2021-05-01 $248,750 (-4.3%) $341,312 (-3.8%) 0.00 65
    2021-06-01 $230,000 (-11.9%) $323,246 (-11.3%) 0.00 66
    2021-07-01 $259,000 (-3.5%) $368,688 (-0.2%) 0.00 67
    2021-08-01 $254,997 (-5.3%) $370,950 (1.1%) 0.00 88
    2021-09-01 $272,313 (9.8%) $373,924 (12.0%) 0.00 96
    2021-10-01 $228,000 (-3.6%) $376,957 (13.7%) 0.00 89
    2021-11-01 $195,741 (-13.8%) $348,068 (11.7%) 0.00 87
    2021-12-01 $191,244 (-25.4%) $361,954 (1.8%) 0.00 75
    2022-01-01 $197,988 (-22.7%) $347,200 (-2.8%) 0.00 60
    2022-02-01 $209,822 (-23.0%) $336,114 (-10.8%) 0.00 53
    2022-03-01 $274,300 (5.4%) $402,328 (8.4%) 0.00 54
    2022-04-01 $286,250 (9.1%) $429,392 (24.4%) 0.00 65
    2022-05-01 $279,950 (12.5%) $437,449 (28.2%) 0.00 83
    2022-06-01 $262,438 (14.1%) $398,368 (23.2%) 0.00 88
    2022-07-01 $278,900 (7.7%) $394,207 (6.9%) 0.00 103
    2022-08-01 $264,450 (3.7%) $405,254 (9.3%) 0.00 121
    2022-09-01 $255,000 (-6.4%) $385,250 (3.0%) 0.00 119
    2022-10-01 $272,450 (19.5%) $387,040 (2.7%) 0.00 135
    2022-11-01 $255,000 (30.3%) $364,165 (4.6%) 0.00 139
    2022-12-01 $255,000 (33.3%) $339,219 (-6.3%) 0.00 137
    2023-01-01 $255,000 (28.8%) $335,513 (-3.4%) 0.00 119
    2023-02-01 $255,000 (21.5%) $331,735 (-1.3%) 0.00 120
    2023-03-01 $255,000 (-7.0%) $365,379 (-9.2%) 0.00 124
    2023-04-01 $260,000 (-9.2%) $384,938 (-10.4%) 0.00 122
    2023-05-01 $312,500 (11.6%) $387,002 (-11.5%) 0.00 122
    2023-06-01 $285,725 (8.9%) $379,590 (-4.7%) 0.00 139
    2023-07-01 $299,500 (7.4%) $405,061 (2.8%) 0.00 169
    2023-08-01 $325,000 (22.9%) $403,658 (-0.4%) 0.00 181
    2023-09-01 $299,999 (17.7%) $387,427 (0.6%) 0.00 184
    2023-10-01 $289,745 (6.4%) $376,841 (-2.6%) 0.00 189
    2023-11-01 $292,470 (14.7%) $377,725 (3.7%) 0.00 180
    2023-12-01 $285,000 (11.8%) $391,844 (15.5%) 0.00 180
    2024-01-01 $260,950 (2.3%) $377,073 (12.4%) 0.00 181
    2024-02-01 $248,975 (-2.4%) $364,518 (9.9%) 0.00 186
    2024-03-01 $275,440 (8.0%) $381,230 (4.3%) 0.00 178
    2024-04-01 $289,250 (11.3%) $383,901 (-0.3%) 0.00 184
    2024-05-01 $302,450 (-3.2%) $397,735 (2.8%) 0.00 175
    2024-06-01 $292,500 (2.4%) $387,949 (2.2%) 0.00 172
    2024-07-01 $299,225 (-0.1%) $392,568 (-3.1%) 0.00 173
    2024-08-01 $285,000 (-12.3%) $407,324 (0.9%) 0.00 181
    2024-09-01 $296,625 (-1.1%) $412,410 (6.5%) 0.00 174
    2024-10-01 $293,450 (1.3%) $421,337 (11.8%) 0.00 184
    2024-11-01 $280,000 (-4.3%) $434,073 (14.9%) 0.00 176
    2024-12-01 $299,450 (5.1%) $445,300 (13.6%) 0.00 160
    2025-01-01 $298,500 (14.4%) $432,392 (14.7%) 0.00 163
    Jacksonville's median listing price for 2025-01-01 was $298,500, a difference of $37,550 (14.4%) versus the prior year and $-950 versus the prior month.

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

    Jacksonville's average listing price for 2025-01-01 was $432,392, a difference of $55,319 (14.7%) versus the prior year and $-12,908 versus the prior month.

    For the 2025-01-01 period, Jacksonville had 163 MLS listings, a difference of 3 listings (2%) versus the prior month and -18 listings (-10%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Jacksonville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,044 sqft
    2018-02-01 0 days 2,081 sqft
    2018-03-01 0 days 2,114 sqft
    2018-04-01 0 days 2,208 sqft
    2018-05-01 0 days 2,176 sqft
    2018-06-01 0 days 2,194 sqft
    2018-07-01 0 days 2,136 sqft
    2018-08-01 0 days 2,098 sqft
    2018-09-01 0 days 2,094 sqft
    2018-10-01 0 days 2,155 sqft
    2018-11-01 0 days 2,165 sqft
    2018-12-01 0 days 2,101 sqft
    2019-01-01 0 days 2,006 sqft
    2019-02-01 0 days 2,030 sqft
    2019-03-01 0 days 2,001 sqft
    2019-04-01 0 days 1,976 sqft
    2019-05-01 0 days 2,176 sqft
    2019-06-01 0 days 2,195 sqft
    2019-07-01 0 days 2,248 sqft
    2019-08-01 0 days 2,259 sqft
    2019-09-01 0 days 2,262 sqft
    2019-10-01 0 days 2,264 sqft
    2019-11-01 0 days 2,120 sqft
    2019-12-01 0 days 2,103 sqft
    2020-01-01 0 days 2,120 sqft
    2020-02-01 0 days 2,108 sqft
    2020-03-01 0 days 2,153 sqft
    2020-04-01 0 days 2,180 sqft
    2020-05-01 0 days 2,250 sqft
    2020-06-01 0 days 2,212 sqft
    2020-07-01 0 days 2,250 sqft
    2020-08-01 0 days 2,192 sqft
    2020-09-01 0 days 2,032 sqft
    2020-10-01 0 days 1,953 sqft
    2020-11-01 0 days 1,947 sqft
    2020-12-01 0 days 2,008 sqft
    2021-01-01 0 days 2,023 sqft
    2021-02-01 0 days 2,092 sqft
    2021-03-01 0 days 2,096 sqft
    2021-04-01 0 days 2,112 sqft
    2021-05-01 0 days 2,076 sqft
    2021-06-01 0 days 1,918 sqft
    2021-07-01 0 days 2,000 sqft
    2021-08-01 0 days 1,922 sqft
    2021-09-01 0 days 1,913 sqft
    2021-10-01 0 days 1,792 sqft
    2021-11-01 0 days 1,749 sqft
    2021-12-01 0 days 1,751 sqft
    2022-01-01 0 days 1,720 sqft
    2022-02-01 0 days 1,800 sqft
    2022-03-01 0 days 2,038 sqft
    2022-04-01 0 days 2,015 sqft
    2022-05-01 0 days 2,012 sqft
    2022-06-01 0 days 1,992 sqft
    2022-07-01 0 days 1,960 sqft
    2022-08-01 0 days 1,907 sqft
    2022-09-01 0 days 1,865 sqft
    2022-10-01 0 days 1,904 sqft
    2022-11-01 0 days 1,728 sqft
    2022-12-01 0 days 1,674 sqft
    2023-01-01 0 days 1,690 sqft
    2023-02-01 0 days 1,580 sqft
    2023-03-01 0 days 1,636 sqft
    2023-04-01 0 days 1,751 sqft
    2023-05-01 0 days 1,790 sqft
    2023-06-01 0 days 1,790 sqft
    2023-07-01 0 days 1,922 sqft
    2023-08-01 0 days 1,933 sqft
    2023-09-01 0 days 1,858 sqft
    2023-10-01 0 days 1,800 sqft
    2023-11-01 0 days 1,782 sqft
    2023-12-01 0 days 1,782 sqft
    2024-01-01 0 days 1,733 sqft
    2024-02-01 0 days 1,675 sqft
    2024-03-01 0 days 1,720 sqft
    2024-04-01 0 days 1,779 sqft
    2024-05-01 0 days 1,786 sqft
    2024-06-01 0 days 1,823 sqft
    2024-07-01 0 days 1,851 sqft
    2024-08-01 0 days 1,858 sqft
    2024-09-01 0 days 1,874 sqft
    2024-10-01 0 days 1,810 sqft
    2024-11-01 0 days 1,839 sqft
    2024-12-01 0 days 1,797 sqft
    2025-01-01 0 days 1,802 sqft
    Jacksonville's median listing age (time on market) for 2025-01-01 was 0 days.

    Jacksonville's median square footage for active listings during the 2025-01-01 period was 1,802 sqft. One year prior, the average listing was 1,733 sqft.