Killeen USDA Loan Rates, Closing Costs & Stats
KILLEEN-TEMPLE, 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.
Killeen's 12 lenders originated 18 USDA loans during 2024. The total origination value was $4,080,000, with an average USDA loan value of $226,667.
Killeen USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Killeen
averaged
6.2%
for the week of 2025-07-11, compared to the national average (all USDA variants) of
6.449% for the same period.
Killeen's average USDA mortgage closing costs are $5,392.
The average rate for the prior week (2025-07-04) was
6.31% and
one month ago for the week of 2025-06-06, the
average rate was 6.2%.
The average rate one year ago was 6.49%.
For refis of the same type during the week of 2025-07-11, the average rate
was 6.11%.
Killeen 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 Killeen level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 3 | 4.16% | $7,351 |
| CMG MORTGAGE, INC. | 3 | 6.33% | $7,954 |
| SWBC MORTGAGE CORPORATION | 2 | 6.63% | $6,463 |
| FIRST CONTINENTAL MORTGAGE, LTD. | 1 | 5.99% | $3,356 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 6.63% | $2,758 |
| Ixonia Bank | 1 | 6.00% | $12,500 |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | 4.25% | $8,989 |
| NEWREZ LLC | 1 | 6.25% | $8,896 |
| SENTE MORTGAGE, INC. | 1 | 6.63% | $7,663 |
| Flagstar Bank, FSB | 1 | 5.50% | $7,698 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 7.50% | $7,074 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.25% | $13,484 |
The top Killeen USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with
3 USDA loans originated. Their average total fees are
$7,351, which is $603
lower than the next largest lender,
CMG MORTGAGE, INC..
The lowest fee Killeen USDA lenders (with over 10 loans originated) are
.
The lowest rate Killeen USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Killeen (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 | $189,175 (11.6%) | $219,818 (11.9%) | 0.70 | 1,408 |
| 2018-02-01 | $189,818 (11.0%) | $224,207 (13.1%) | 0.69 | 1,388 |
| 2018-03-01 | $190,225 (8.5%) | $227,093 (12.5%) | 0.67 | 1,404 |
| 2018-04-01 | $199,913 (10.6%) | $234,341 (12.3%) | 0.68 | 1,371 |
| 2018-05-01 | $207,498 (14.3%) | $245,646 (16.9%) | 0.69 | 1,368 |
| 2018-06-01 | $210,000 (17.0%) | $249,536 (18.2%) | 0.70 | 1,439 |
| 2018-07-01 | $215,522 (20.5%) | $252,545 (20.3%) | 0.72 | 1,439 |
| 2018-08-01 | $205,925 (16.0%) | $244,946 (17.6%) | 0.69 | 1,486 |
| 2018-09-01 | $209,755 (19.7%) | $242,166 (16.0%) | 0.71 | 1,538 |
| 2018-10-01 | $199,950 (12.2%) | $235,909 (12.8%) | 0.68 | 1,507 |
| 2018-11-01 | $207,725 (16.1%) | $235,297 (12.0%) | 0.70 | 1,437 |
| 2018-12-01 | $209,900 (16.6%) | $235,147 (9.9%) | 0.72 | 1,371 |
| 2019-01-01 | $210,975 (11.5%) | $238,515 (8.5%) | 0.73 | 1,301 |
| 2019-02-01 | $218,425 (15.1%) | $248,003 (10.6%) | 0.74 | 1,221 |
| 2019-03-01 | $224,271 (17.9%) | $255,539 (12.5%) | 0.73 | 1,198 |
| 2019-04-01 | $230,000 (15.1%) | $262,283 (11.9%) | 0.73 | 1,191 |
| 2019-05-01 | $230,850 (11.3%) | $266,010 (8.3%) | 0.72 | 1,170 |
| 2019-06-01 | $229,900 (9.5%) | $264,718 (6.1%) | 0.72 | 1,257 |
| 2019-07-01 | $225,750 (4.8%) | $262,193 (3.8%) | 0.71 | 1,338 |
| 2019-08-01 | $226,091 (9.8%) | $261,558 (6.8%) | 0.72 | 1,346 |
| 2019-09-01 | $227,727 (8.6%) | $264,069 (9.0%) | 0.73 | 1,336 |
| 2019-10-01 | $228,818 (14.4%) | $265,743 (12.7%) | 0.74 | 1,330 |
| 2019-11-01 | $225,000 (8.3%) | $267,659 (13.8%) | 0.74 | 1,321 |
| 2019-12-01 | $220,450 (5.0%) | $261,562 (11.2%) | 0.74 | 1,273 |
| 2020-01-01 | $224,950 (6.6%) | $262,480 (10.1%) | 0.75 | 1,219 |
| 2020-02-01 | $225,000 (3.0%) | $264,544 (6.7%) | 0.74 | 1,168 |
| 2020-03-01 | $224,975 (0.3%) | $264,800 (3.6%) | 0.71 | 1,200 |
| 2020-04-01 | $229,325 (-0.3%) | $266,982 (1.8%) | 0.72 | 1,189 |
| 2020-05-01 | $234,900 (1.8%) | $276,558 (4.0%) | 0.71 | 1,033 |
| 2020-06-01 | $241,975 (5.3%) | $287,048 (8.4%) | 0.71 | 893 |
| 2020-07-01 | $244,175 (8.2%) | $288,121 (9.9%) | 0.71 | 786 |
| 2020-08-01 | $249,000 (10.1%) | $298,993 (14.3%) | 0.71 | 716 |
| 2020-09-01 | $240,911 (5.8%) | $291,424 (10.4%) | 0.69 | 638 |
| 2020-10-01 | $239,450 (4.7%) | $290,507 (9.3%) | 0.69 | 567 |
| 2020-11-01 | $245,949 (9.3%) | $299,061 (11.7%) | 0.72 | 535 |
| 2020-12-01 | $243,300 (10.4%) | $290,518 (11.1%) | 0.72 | 525 |
| 2021-01-01 | $245,500 (9.1%) | $299,804 (14.2%) | 0.73 | 439 |
| 2021-02-01 | $234,175 (4.1%) | $299,650 (13.3%) | 0.68 | 347 |
| 2021-03-01 | $224,500 (-0.2%) | $298,340 (12.7%) | 0.64 | 349 |
| 2021-04-01 | $226,900 (-1.1%) | $299,539 (12.2%) | 0.61 | 354 |
| 2021-05-01 | $225,000 (-4.2%) | $295,606 (6.9%) | 0.60 | 358 |
| 2021-06-01 | $228,350 (-5.6%) | $295,183 (2.8%) | 0.60 | 390 |
| 2021-07-01 | $249,900 (2.3%) | $311,592 (8.2%) | 0.66 | 484 |
| 2021-08-01 | $254,900 (2.4%) | $329,296 (10.1%) | 0.68 | 521 |
| 2021-09-01 | $259,699 (7.8%) | $346,066 (18.8%) | 0.69 | 505 |
| 2021-10-01 | $275,000 (14.9%) | $371,741 (28.0%) | 0.73 | 514 |
| 2021-11-01 | $275,000 (11.8%) | $393,032 (31.4%) | 0.74 | 516 |
| 2021-12-01 | $269,000 (10.6%) | $397,193 (36.7%) | 0.73 | 485 |
| 2022-01-01 | $271,560 (10.6%) | $413,973 (38.1%) | 0.73 | 375 |
| 2022-02-01 | $283,875 (21.2%) | $423,264 (41.3%) | 0.74 | 329 |
| 2022-03-01 | $276,725 (23.3%) | $412,366 (38.2%) | 0.69 | 354 |
| 2022-04-01 | $293,000 (29.1%) | $445,558 (48.8%) | 0.70 | 410 |
| 2022-05-01 | $307,000 (36.4%) | $447,301 (51.3%) | 0.70 | 541 |
| 2022-06-01 | $314,000 (37.5%) | $458,818 (55.4%) | 0.70 | 700 |
| 2022-07-01 | $314,900 (26.0%) | $445,056 (42.8%) | 0.71 | 908 |
| 2022-08-01 | $310,635 (21.9%) | $431,609 (31.1%) | 0.72 | 1,179 |
| 2022-09-01 | $310,000 (19.4%) | $418,711 (21.0%) | 0.72 | 1,292 |
| 2022-10-01 | $315,000 (14.6%) | $414,932 (11.6%) | 0.74 | 1,391 |
| 2022-11-01 | $313,725 (14.1%) | $406,339 (3.4%) | 0.75 | 1,475 |
| 2022-12-01 | $308,400 (14.7%) | $400,114 (0.7%) | 0.76 | 1,465 |
| 2023-01-01 | $309,950 (14.1%) | $399,404 (-3.5%) | 0.77 | 1,366 |
| 2023-02-01 | $310,900 (9.5%) | $398,579 (-5.8%) | 0.75 | 1,301 |
| 2023-03-01 | $315,000 (13.8%) | $402,680 (-2.4%) | 0.74 | 1,306 |
| 2023-04-01 | $329,800 (12.6%) | $416,108 (-6.6%) | 0.77 | 1,271 |
| 2023-05-01 | $333,713 (8.7%) | $432,817 (-3.2%) | 0.76 | 1,337 |
| 2023-06-01 | $329,900 (5.1%) | $422,167 (-8.0%) | 0.74 | 1,463 |
| 2023-07-01 | $325,350 (3.3%) | $417,057 (-6.3%) | 0.74 | 1,623 |
| 2023-08-01 | $325,000 (4.6%) | $417,808 (-3.2%) | 0.75 | 1,688 |
| 2023-09-01 | $325,000 (4.8%) | $408,595 (-2.4%) | 0.76 | 1,769 |
| 2023-10-01 | $315,750 (0.2%) | $400,214 (-3.6%) | 0.74 | 1,932 |
| 2023-11-01 | $314,458 (0.2%) | $394,079 (-3.0%) | 0.75 | 1,958 |
| 2023-12-01 | $315,400 (2.3%) | $396,896 (-0.8%) | 0.77 | 1,832 |
| 2024-01-01 | $311,158 (0.4%) | $391,080 (-2.1%) | 0.76 | 1,746 |
| 2024-02-01 | $309,987 (-0.3%) | $389,429 (-2.3%) | 0.75 | 1,740 |
| 2024-03-01 | $314,900 (0.0%) | $394,248 (-2.1%) | 0.74 | 1,862 |
| 2024-04-01 | $319,250 (-3.2%) | $404,726 (-2.7%) | 0.74 | 1,965 |
| 2024-05-01 | $319,450 (-4.3%) | $406,850 (-6.0%) | 0.73 | 2,080 |
| 2024-06-01 | $316,250 (-4.1%) | $401,452 (-4.9%) | 0.72 | 2,106 |
| 2024-07-01 | $312,700 (-3.9%) | $392,555 (-5.9%) | 0.72 | 2,208 |
| 2024-08-01 | $307,275 (-5.5%) | $379,995 (-9.1%) | 0.71 | 2,226 |
| 2024-09-01 | $303,375 (-6.7%) | $385,920 (-5.6%) | 0.71 | 2,247 |
| 2024-10-01 | $300,000 (-5.0%) | $382,564 (-4.4%) | 0.71 | 2,328 |
| 2024-11-01 | $300,000 (-4.6%) | $381,038 (-3.3%) | 0.72 | 2,348 |
| 2024-12-01 | $299,636 (-5.0%) | $380,214 (-4.2%) | 0.74 | 2,246 |
| 2025-01-01 | $299,250 (-3.8%) | $379,959 (-2.8%) | 0.75 | 2,140 |
| 2025-02-01 | $299,000 (-3.5%) | $380,052 (-2.4%) | 0.73 | 2,148 |
| 2025-03-01 | $299,000 (-5.1%) | $382,972 (-2.9%) | 0.70 | 2,312 |
| 2025-04-01 | $301,025 (-5.7%) | $393,346 (-2.8%) | 0.70 | 2,433 |
| 2025-05-01 | $300,000 (-6.1%) | $397,256 (-2.4%) | 0.68 | 2,593 |
| 2025-06-01 | $299,900 (-5.2%) | $398,729 (-0.7%) | 0.68 | 2,653 |
Killeen's median listing price comes in at 68% of the national average.
Killeen's average listing price for 2025-06-01 was $398,729, a difference of $-2,723 (-0.7%) versus the prior year and $1,473 versus the prior month.
For the 2025-06-01 period, Killeen had 2,653 MLS listings, a difference of 60 listings (2%) versus the prior month and 547 listings (26%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Killeen (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 71 days | 2,036 sqft |
| 2018-02-01 | 67 days | 2,059 sqft |
| 2018-03-01 | 57 days | 2,061 sqft |
| 2018-04-01 | 51 days | 2,069 sqft |
| 2018-05-01 | 48 days | 2,083 sqft |
| 2018-06-01 | 47 days | 2,088 sqft |
| 2018-07-01 | 51 days | 2,100 sqft |
| 2018-08-01 | 51 days | 2,064 sqft |
| 2018-09-01 | 51 days | 2,066 sqft |
| 2018-10-01 | 60 days | 2,058 sqft |
| 2018-11-01 | 67 days | 2,081 sqft |
| 2018-12-01 | 71 days | 2,068 sqft |
| 2019-01-01 | 74 days | 2,074 sqft |
| 2019-02-01 | 70 days | 2,094 sqft |
| 2019-03-01 | 60 days | 2,109 sqft |
| 2019-04-01 | 45 days | 2,124 sqft |
| 2019-05-01 | 45 days | 2,138 sqft |
| 2019-06-01 | 40 days | 2,100 sqft |
| 2019-07-01 | 45 days | 2,092 sqft |
| 2019-08-01 | 49 days | 2,087 sqft |
| 2019-09-01 | 52 days | 2,085 sqft |
| 2019-10-01 | 54 days | 2,084 sqft |
| 2019-11-01 | 54 days | 2,097 sqft |
| 2019-12-01 | 63 days | 2,059 sqft |
| 2020-01-01 | 69 days | 2,056 sqft |
| 2020-02-01 | 64 days | 2,038 sqft |
| 2020-03-01 | 53 days | 2,037 sqft |
| 2020-04-01 | 59 days | 2,055 sqft |
| 2020-05-01 | 72 days | 2,089 sqft |
| 2020-06-01 | 57 days | 2,124 sqft |
| 2020-07-01 | 51 days | 2,136 sqft |
| 2020-08-01 | 57 days | 2,106 sqft |
| 2020-09-01 | 57 days | 2,077 sqft |
| 2020-10-01 | 63 days | 2,069 sqft |
| 2020-11-01 | 51 days | 2,033 sqft |
| 2020-12-01 | 44 days | 1,988 sqft |
| 2021-01-01 | 49 days | 2,000 sqft |
| 2021-02-01 | 43 days | 1,951 sqft |
| 2021-03-01 | 36 days | 1,876 sqft |
| 2021-04-01 | 34 days | 1,906 sqft |
| 2021-05-01 | 40 days | 1,875 sqft |
| 2021-06-01 | 38 days | 1,875 sqft |
| 2021-07-01 | 31 days | 1,903 sqft |
| 2021-08-01 | 31 days | 1,875 sqft |
| 2021-09-01 | 42 days | 1,922 sqft |
| 2021-10-01 | 44 days | 1,927 sqft |
| 2021-11-01 | 42 days | 1,931 sqft |
| 2021-12-01 | 53 days | 1,903 sqft |
| 2022-01-01 | 61 days | 1,928 sqft |
| 2022-02-01 | 30 days | 1,909 sqft |
| 2022-03-01 | 28 days | 1,882 sqft |
| 2022-04-01 | 27 days | 1,901 sqft |
| 2022-05-01 | 24 days | 1,941 sqft |
| 2022-06-01 | 25 days | 1,979 sqft |
| 2022-07-01 | 30 days | 1,984 sqft |
| 2022-08-01 | 31 days | 1,982 sqft |
| 2022-09-01 | 42 days | 1,973 sqft |
| 2022-10-01 | 47 days | 1,983 sqft |
| 2022-11-01 | 55 days | 1,962 sqft |
| 2022-12-01 | 65 days | 1,943 sqft |
| 2023-01-01 | 72 days | 1,945 sqft |
| 2023-02-01 | 64 days | 1,946 sqft |
| 2023-03-01 | 54 days | 1,964 sqft |
| 2023-04-01 | 49 days | 1,985 sqft |
| 2023-05-01 | 46 days | 2,029 sqft |
| 2023-06-01 | 46 days | 2,019 sqft |
| 2023-07-01 | 51 days | 2,011 sqft |
| 2023-08-01 | 56 days | 2,006 sqft |
| 2023-09-01 | 55 days | 2,012 sqft |
| 2023-10-01 | 59 days | 1,960 sqft |
| 2023-11-01 | 65 days | 1,960 sqft |
| 2023-12-01 | 70 days | 1,958 sqft |
| 2024-01-01 | 76 days | 1,951 sqft |
| 2024-02-01 | 69 days | 1,940 sqft |
| 2024-03-01 | 52 days | 1,948 sqft |
| 2024-04-01 | 51 days | 1,970 sqft |
| 2024-05-01 | 51 days | 1,959 sqft |
| 2024-06-01 | 58 days | 1,948 sqft |
| 2024-07-01 | 62 days | 1,924 sqft |
| 2024-08-01 | 66 days | 1,889 sqft |
| 2024-09-01 | 71 days | 1,889 sqft |
| 2024-10-01 | 71 days | 1,874 sqft |
| 2024-11-01 | 73 days | 1,875 sqft |
| 2024-12-01 | 80 days | 1,868 sqft |
| 2025-01-01 | 90 days | 1,863 sqft |
| 2025-02-01 | 90 days | 1,866 sqft |
| 2025-03-01 | 64 days | 1,866 sqft |
| 2025-04-01 | 60 days | 1,883 sqft |
| 2025-05-01 | 61 days | 1,882 sqft |
| 2025-06-01 | 67 days | 1,882 sqft |
Killeen's median square footage for active listings during the 2025-06-01 period was 1,882 sqft. One year prior, the average listing was 1,948 sqft.