Jacksonville USDA Loan Rates, Closing Costs & Stats
Jacksonville, 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.
Jacksonville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Jacksonville
averaged
0.39%
for the week of 2024-11-15, compared to the national average (all USDA variants) of
0% for the same period.
Jacksonville's average USDA mortgage closing costs are $5,391.
The average rate for the prior week (2024-11-08) was
6.55% and
one month ago for the week of 2024-10-11, the
average rate was 6.11%.
The average rate one year ago was 7.63%.
For refis of the same type during the week of 2024-11-15, the average rate
was -0.2%.
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 | $212,225 (11.0%) | $296,930 (12.1%) | 0.00 | 177 |
| 2018-02-01 | $209,500 (7.6%) | $311,820 (19.0%) | 0.00 | 182 |
| 2018-03-01 | $227,450 (3.9%) | $317,900 (8.7%) | 0.00 | 186 |
| 2018-04-01 | $228,200 (-2.9%) | $323,386 (8.2%) | 0.00 | 183 |
| 2018-05-01 | $235,250 (-5.2%) | $328,140 (7.5%) | 0.00 | 180 |
| 2018-06-01 | $244,000 (-5.6%) | $330,249 (1.8%) | 0.00 | 185 |
| 2018-07-01 | $244,500 (-0.2%) | $315,751 (-0.6%) | 0.00 | 204 |
| 2018-08-01 | $240,500 (7.9%) | $308,280 (2.5%) | 0.00 | 202 |
| 2018-09-01 | $237,000 (16.0%) | $313,319 (9.4%) | 0.00 | 198 |
| 2018-10-01 | $236,550 (20.5%) | $299,936 (6.0%) | 0.00 | 184 |
| 2018-11-01 | $235,000 (17.9%) | $310,022 (9.8%) | 0.00 | 191 |
| 2018-12-01 | $235,000 (10.0%) | $310,749 (7.2%) | 0.00 | 184 |
| 2019-01-01 | $231,900 (9.3%) | $309,476 (4.2%) | 0.00 | 180 |
| 2019-02-01 | $229,250 (9.4%) | $315,877 (1.3%) | 0.00 | 172 |
| 2019-03-01 | $234,957 (3.3%) | $315,702 (-0.7%) | 0.00 | 179 |
| 2019-04-01 | $242,207 (6.1%) | $310,222 (-4.1%) | 0.00 | 196 |
| 2019-05-01 | $249,700 (6.1%) | $342,645 (4.4%) | 0.00 | 207 |
| 2019-06-01 | $249,900 (2.4%) | $348,351 (5.5%) | 0.00 | 200 |
| 2019-07-01 | $241,818 (-1.1%) | $347,683 (10.1%) | 0.00 | 180 |
| 2019-08-01 | $244,918 (1.8%) | $350,176 (13.6%) | 0.00 | 176 |
| 2019-09-01 | $247,495 (4.4%) | $346,382 (10.6%) | 0.00 | 165 |
| 2019-10-01 | $249,600 (5.5%) | $346,625 (15.6%) | 0.00 | 153 |
| 2019-11-01 | $243,000 (3.4%) | $338,927 (9.3%) | 0.00 | 158 |
| 2019-12-01 | $239,173 (1.8%) | $326,085 (4.9%) | 0.00 | 168 |
| 2020-01-01 | $241,095 (4.0%) | $324,091 (4.7%) | 0.00 | 155 |
| 2020-02-01 | $234,950 (2.5%) | $320,823 (1.6%) | 0.00 | 156 |
| 2020-03-01 | $242,898 (3.4%) | $347,316 (10.0%) | 0.00 | 142 |
| 2020-04-01 | $250,325 (3.4%) | $344,266 (11.0%) | 0.00 | 142 |
| 2020-05-01 | $260,000 (4.1%) | $357,039 (4.2%) | 0.00 | 128 |
| 2020-06-01 | $261,725 (4.7%) | $366,334 (5.2%) | 0.00 | 115 |
| 2020-07-01 | $273,075 (12.9%) | $371,290 (6.8%) | 0.00 | 110 |
| 2020-08-01 | $275,950 (12.7%) | $367,974 (5.1%) | 0.00 | 103 |
| 2020-09-01 | $250,250 (1.1%) | $334,259 (-3.5%) | 0.00 | 93 |
| 2020-10-01 | $236,500 (-5.3%) | $331,502 (-4.4%) | 0.00 | 81 |
| 2020-11-01 | $227,175 (-6.5%) | $311,598 (-8.1%) | 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 (16.0%) | $376,646 (17.4%) | 0.00 | 63 |
| 2021-03-01 | $261,300 (7.6%) | $373,044 (7.4%) | 0.00 | 56 |
| 2021-04-01 | $267,125 (6.7%) | $348,848 (1.3%) | 0.00 | 54 |
| 2021-05-01 | $248,750 (-4.3%) | $341,312 (-4.4%) | 0.00 | 65 |
| 2021-06-01 | $230,000 (-12.1%) | $323,246 (-11.8%) | 0.00 | 66 |
| 2021-07-01 | $259,000 (-5.2%) | $368,688 (-0.7%) | 0.00 | 67 |
| 2021-08-01 | $254,997 (-7.6%) | $370,950 (0.8%) | 0.00 | 88 |
| 2021-09-01 | $272,313 (8.8%) | $373,924 (11.9%) | 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 | $198,494 (-22.6%) | $348,226 (-2.5%) | 0.00 | 61 |
| 2022-02-01 | $209,944 (-22.9%) | $337,224 (-10.5%) | 0.00 | 54 |
| 2022-03-01 | $277,150 (6.1%) | $402,771 (8.0%) | 0.00 | 55 |
| 2022-04-01 | $314,900 (17.9%) | $422,725 (21.2%) | 0.00 | 79 |
| 2022-05-01 | $309,900 (24.6%) | $427,850 (25.4%) | 0.00 | 94 |
| 2022-06-01 | $297,250 (29.2%) | $394,696 (22.1%) | 0.00 | 95 |
| 2022-07-01 | $297,200 (14.8%) | $392,449 (6.4%) | 0.00 | 111 |
| 2022-08-01 | $277,175 (8.7%) | $405,594 (9.3%) | 0.00 | 127 |
| 2022-09-01 | $264,675 (-2.8%) | $387,719 (3.7%) | 0.00 | 129 |
| 2022-10-01 | $275,000 (20.6%) | $386,083 (2.4%) | 0.00 | 139 |
| 2022-11-01 | $255,000 (30.3%) | $364,229 (4.6%) | 0.00 | 141 |
| 2022-12-01 | $255,000 (33.3%) | $339,442 (-6.2%) | 0.00 | 140 |
| 2023-01-01 | $258,675 (30.3%) | $336,597 (-3.3%) | 0.00 | 122 |
| 2023-02-01 | $255,000 (21.5%) | $334,122 (-0.9%) | 0.00 | 128 |
| 2023-03-01 | $258,675 (-6.7%) | $369,564 (-8.2%) | 0.00 | 137 |
| 2023-04-01 | $304,500 (-3.3%) | $386,330 (-8.6%) | 0.00 | 130 |
| 2023-05-01 | $325,600 (5.1%) | $386,446 (-9.7%) | 0.00 | 130 |
| 2023-06-01 | $293,750 (-1.2%) | $376,823 (-4.5%) | 0.00 | 143 |
| 2023-07-01 | $300,000 (0.9%) | $403,538 (2.8%) | 0.00 | 172 |
| 2023-08-01 | $325,000 (17.3%) | $402,451 (-0.8%) | 0.00 | 182 |
| 2023-09-01 | $310,000 (17.1%) | $386,636 (-0.3%) | 0.00 | 186 |
| 2023-10-01 | $301,250 (9.6%) | $377,344 (-2.3%) | 0.00 | 192 |
| 2023-11-01 | $305,000 (19.6%) | $379,238 (4.1%) | 0.00 | 186 |
| 2023-12-01 | $310,000 (21.6%) | $393,299 (15.9%) | 0.00 | 187 |
| 2024-01-01 | $272,450 (5.3%) | $379,597 (12.8%) | 0.00 | 188 |
| 2024-02-01 | $259,450 (1.8%) | $367,085 (9.9%) | 0.00 | 195 |
| 2024-03-01 | $292,000 (12.9%) | $383,217 (3.7%) | 0.00 | 184 |
| 2024-04-01 | $293,750 (-3.5%) | $385,004 (-0.3%) | 0.00 | 187 |
| 2024-05-01 | $308,600 (-5.2%) | $406,043 (5.1%) | 0.00 | 179 |
| 2024-06-01 | $299,900 (2.1%) | $396,513 (5.2%) | 0.00 | 173 |
| 2024-07-01 | $299,450 (-0.2%) | $392,863 (-2.7%) | 0.00 | 174 |
| 2024-08-01 | $285,000 (-12.3%) | $404,053 (0.4%) | 0.00 | 181 |
| 2024-09-01 | $295,625 (-4.6%) | $409,641 (6.0%) | 0.00 | 173 |
| 2024-10-01 | $295,350 (-2.0%) | $421,078 (11.6%) | 0.00 | 184 |
Jacksonville's median listing price comes in at 0% of the national average.
Jacksonville's average listing price for 2024-10-01 was $421,078, a difference of $43,734 (11.6%) versus the prior year and $11,437 versus the prior month.
For the 2024-10-01 period, Jacksonville had 184 MLS listings, a difference of 11 listings (6%) versus the prior month and -8 listings (-4%) 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 | 2,048 sqft |
| 2018-02-01 | 0 days | 2,080 sqft |
| 2018-03-01 | 0 days | 2,082 sqft |
| 2018-04-01 | 0 days | 2,200 sqft |
| 2018-05-01 | 0 days | 2,175 sqft |
| 2018-06-01 | 0 days | 2,192 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 | 2,168 sqft |
| 2018-12-01 | 0 days | 2,108 sqft |
| 2019-01-01 | 0 days | 2,009 sqft |
| 2019-02-01 | 0 days | 2,032 sqft |
| 2019-03-01 | 0 days | 2,004 sqft |
| 2019-04-01 | 0 days | 1,982 sqft |
| 2019-05-01 | 0 days | 2,180 sqft |
| 2019-06-01 | 0 days | 2,198 sqft |
| 2019-07-01 | 0 days | 2,248 sqft |
| 2019-08-01 | 0 days | 2,260 sqft |
| 2019-09-01 | 0 days | 2,263 sqft |
| 2019-10-01 | 0 days | 2,265 sqft |
| 2019-11-01 | 0 days | 2,148 sqft |
| 2019-12-01 | 0 days | 2,103 sqft |
| 2020-01-01 | 0 days | 2,120 sqft |
| 2020-02-01 | 0 days | 2,104 sqft |
| 2020-03-01 | 0 days | 2,152 sqft |
| 2020-04-01 | 0 days | 2,176 sqft |
| 2020-05-01 | 0 days | 2,250 sqft |
| 2020-06-01 | 0 days | 2,220 sqft |
| 2020-07-01 | 0 days | 2,294 sqft |
| 2020-08-01 | 0 days | 2,196 sqft |
| 2020-09-01 | 0 days | 2,057 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 | 2,105 sqft |
| 2021-04-01 | 0 days | 2,173 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 | 1,724 sqft |
| 2022-02-01 | 0 days | 1,817 sqft |
| 2022-03-01 | 0 days | 2,054 sqft |
| 2022-04-01 | 0 days | 2,013 sqft |
| 2022-05-01 | 0 days | 2,007 sqft |
| 2022-06-01 | 0 days | 1,994 sqft |
| 2022-07-01 | 0 days | 1,987 sqft |
| 2022-08-01 | 0 days | 1,920 sqft |
| 2022-09-01 | 0 days | 1,889 sqft |
| 2022-10-01 | 0 days | 1,907 sqft |
| 2022-11-01 | 0 days | 1,790 sqft |
| 2022-12-01 | 0 days | 1,690 sqft |
| 2023-01-01 | 0 days | 1,743 sqft |
| 2023-02-01 | 0 days | 1,649 sqft |
| 2023-03-01 | 0 days | 1,684 sqft |
| 2023-04-01 | 0 days | 1,793 sqft |
| 2023-05-01 | 0 days | 1,864 sqft |
| 2023-06-01 | 0 days | 1,799 sqft |
| 2023-07-01 | 0 days | 1,922 sqft |
| 2023-08-01 | 0 days | 1,935 sqft |
| 2023-09-01 | 0 days | 1,864 sqft |
| 2023-10-01 | 0 days | 1,803 sqft |
| 2023-11-01 | 0 days | 1,799 sqft |
| 2023-12-01 | 0 days | 1,794 sqft |
| 2024-01-01 | 0 days | 1,764 sqft |
| 2024-02-01 | 0 days | 1,697 sqft |
| 2024-03-01 | 0 days | 1,751 sqft |
| 2024-04-01 | 0 days | 1,783 sqft |
| 2024-05-01 | 0 days | 1,799 sqft |
| 2024-06-01 | 0 days | 1,850 sqft |
| 2024-07-01 | 0 days | 1,855 sqft |
| 2024-08-01 | 0 days | 1,866 sqft |
| 2024-09-01 | 0 days | 1,872 sqft |
| 2024-10-01 | 0 days | 1,818 sqft |
Jacksonville's median square footage for active listings during the 2024-10-01 period was 1,818 sqft. One year prior, the average listing was 1,803 sqft.