Nacogdoches USDA Loan Rates, Closing Costs & Stats
Nacogdoches, 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.
Nacogdoches's 3 lenders originated 3 USDA loans during 2023. The total origination value was $515,000, with an average USDA loan value of $171,667.
Nacogdoches USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Nacogdoches
averaged
6.21%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Nacogdoches's average USDA mortgage closing costs are $6,524.
The average rate for the prior week (2024-12-06) was
6.65% and
one month ago for the week of 2024-11-08, the
average rate was 6.77%.
The average rate one year ago was 7.03%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.2%.
Nacogdoches 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 Nacogdoches level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| AMCAP MORTGAGE, LTD. | 1 | 6.63% | $6,797 |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | 6.63% | $5,951 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.13% | $9,372 |
The top Nacogdoches USDA lender as defined by loan originations is AMCAP MORTGAGE, LTD., with
1 USDA loans originated. Their average total fees are
$6,797, which is $846
higher than the next largest lender,
HIGHLANDS RESIDENTIAL MORTGAGE, LTD..
The lowest fee Nacogdoches USDA lenders (with over 10 loans originated) are
.
The lowest rate Nacogdoches USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Nacogdoches (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 | $180,750 (-0.1%) | $226,365 (-4.4%) | 0.00 | 186 |
| 2018-02-01 | $174,950 (-3.2%) | $227,993 (-3.5%) | 0.00 | 186 |
| 2018-03-01 | $194,900 (5.4%) | $233,468 (-2.5%) | 0.00 | 196 |
| 2018-04-01 | $185,475 (-2.2%) | $225,932 (-8.2%) | 0.00 | 206 |
| 2018-05-01 | $184,125 (-4.8%) | $223,826 (-8.2%) | 0.00 | 202 |
| 2018-06-01 | $194,500 (-3.2%) | $241,179 (-5.4%) | 0.00 | 210 |
| 2018-07-01 | $198,750 (-5.0%) | $239,811 (-2.3%) | 0.00 | 202 |
| 2018-08-01 | $199,500 (-0.3%) | $247,154 (3.1%) | 0.00 | 196 |
| 2018-09-01 | $213,500 (7.8%) | $254,910 (8.1%) | 0.00 | 171 |
| 2018-10-01 | $210,125 (7.2%) | $263,135 (10.2%) | 0.00 | 166 |
| 2018-11-01 | $208,750 (19.3%) | $258,034 (10.2%) | 0.00 | 168 |
| 2018-12-01 | $209,000 (14.8%) | $261,724 (11.7%) | 0.00 | 160 |
| 2019-01-01 | $216,750 (19.9%) | $261,343 (15.5%) | 0.00 | 152 |
| 2019-02-01 | $208,450 (19.2%) | $253,502 (11.2%) | 0.00 | 164 |
| 2019-03-01 | $213,714 (9.7%) | $257,997 (10.5%) | 0.00 | 168 |
| 2019-04-01 | $209,600 (13.0%) | $255,915 (13.3%) | 0.00 | 170 |
| 2019-05-01 | $209,925 (14.0%) | $271,728 (21.4%) | 0.00 | 155 |
| 2019-06-01 | $199,925 (2.8%) | $269,626 (11.8%) | 0.00 | 151 |
| 2019-07-01 | $209,450 (5.4%) | $274,330 (14.4%) | 0.00 | 163 |
| 2019-08-01 | $223,182 (11.9%) | $279,324 (13.0%) | 0.00 | 166 |
| 2019-09-01 | $235,455 (10.3%) | $286,684 (12.5%) | 0.00 | 160 |
| 2019-10-01 | $246,475 (17.3%) | $294,485 (11.9%) | 0.00 | 153 |
| 2019-11-01 | $259,900 (24.5%) | $297,801 (15.4%) | 0.00 | 144 |
| 2019-12-01 | $233,875 (11.9%) | $290,473 (11.0%) | 0.00 | 142 |
| 2020-01-01 | $216,000 (-0.4%) | $283,241 (8.4%) | 0.00 | 133 |
| 2020-02-01 | $198,900 (-4.6%) | $252,929 (-0.2%) | 0.00 | 139 |
| 2020-03-01 | $197,500 (-7.6%) | $254,916 (-1.2%) | 0.00 | 148 |
| 2020-04-01 | $218,750 (4.4%) | $281,070 (9.8%) | 0.00 | 142 |
| 2020-05-01 | $219,000 (4.3%) | $282,191 (3.9%) | 0.00 | 136 |
| 2020-06-01 | $233,650 (16.9%) | $302,352 (12.1%) | 0.00 | 118 |
| 2020-07-01 | $271,175 (29.5%) | $337,025 (22.9%) | 0.00 | 104 |
| 2020-08-01 | $290,500 (30.2%) | $339,548 (21.6%) | 0.00 | 93 |
| 2020-09-01 | $287,175 (22.0%) | $360,569 (25.8%) | 0.00 | 97 |
| 2020-10-01 | $269,900 (9.5%) | $326,641 (10.9%) | 0.00 | 108 |
| 2020-11-01 | $264,900 (1.9%) | $352,766 (18.5%) | 0.00 | 98 |
| 2020-12-01 | $234,100 (0.1%) | $336,796 (16.0%) | 0.00 | 86 |
| 2021-01-01 | $253,000 (17.1%) | $345,164 (21.9%) | 0.00 | 81 |
| 2021-02-01 | $277,850 (39.7%) | $362,565 (43.4%) | 0.00 | 83 |
| 2021-03-01 | $279,250 (41.4%) | $363,814 (42.7%) | 0.00 | 71 |
| 2021-04-01 | $261,475 (19.5%) | $379,371 (35.0%) | 0.00 | 62 |
| 2021-05-01 | $259,000 (18.3%) | $384,235 (36.2%) | 0.00 | 57 |
| 2021-06-01 | $262,700 (12.4%) | $422,396 (39.7%) | 0.00 | 70 |
| 2021-07-01 | $299,000 (10.3%) | $402,551 (19.4%) | 0.00 | 76 |
| 2021-08-01 | $280,675 (-3.4%) | $383,660 (13.0%) | 0.00 | 79 |
| 2021-09-01 | $266,100 (-7.3%) | $367,835 (2.0%) | 0.00 | 84 |
| 2021-10-01 | $275,900 (2.2%) | $365,638 (11.9%) | 0.00 | 77 |
| 2021-11-01 | $288,550 (8.9%) | $377,512 (7.0%) | 0.00 | 75 |
| 2021-12-01 | $292,300 (24.9%) | $385,211 (14.4%) | 0.00 | 59 |
| 2022-01-01 | $254,500 (0.6%) | $349,549 (1.3%) | 0.00 | 62 |
| 2022-02-01 | $287,125 (3.3%) | $383,172 (5.7%) | 0.00 | 55 |
| 2022-03-01 | $280,625 (0.5%) | $449,898 (23.7%) | 0.00 | 50 |
| 2022-04-01 | $264,000 (1.0%) | $338,451 (-10.8%) | 0.00 | 50 |
| 2022-05-01 | $253,675 (-2.1%) | $313,456 (-18.4%) | 0.00 | 52 |
| 2022-06-01 | $258,675 (-1.5%) | $382,307 (-9.5%) | 0.00 | 64 |
| 2022-07-01 | $248,500 (-16.9%) | $392,831 (-2.4%) | 0.00 | 70 |
| 2022-08-01 | $286,125 (1.9%) | $406,048 (5.8%) | 0.00 | 86 |
| 2022-09-01 | $283,700 (6.6%) | $406,141 (10.4%) | 0.00 | 86 |
| 2022-10-01 | $279,500 (1.3%) | $370,091 (1.2%) | 0.00 | 100 |
| 2022-11-01 | $299,225 (3.7%) | $384,520 (1.9%) | 0.00 | 100 |
| 2022-12-01 | $260,000 (-11.1%) | $344,783 (-10.5%) | 0.00 | 99 |
| 2023-01-01 | $271,174 (6.6%) | $338,188 (-3.3%) | 0.00 | 90 |
| 2023-02-01 | $264,924 (-7.7%) | $341,368 (-10.9%) | 0.00 | 81 |
| 2023-03-01 | $257,500 (-8.2%) | $351,098 (-22.0%) | 0.00 | 75 |
| 2023-04-01 | $257,900 (-2.3%) | $367,224 (8.5%) | 0.00 | 72 |
| 2023-05-01 | $254,575 (0.4%) | $363,985 (16.1%) | 0.00 | 74 |
| 2023-06-01 | $305,500 (18.1%) | $375,122 (-1.9%) | 0.00 | 89 |
| 2023-07-01 | $295,000 (18.7%) | $368,237 (-6.3%) | 0.00 | 91 |
| 2023-08-01 | $292,450 (2.2%) | $351,082 (-13.5%) | 0.00 | 98 |
| 2023-09-01 | $269,500 (-5.0%) | $325,894 (-19.8%) | 0.00 | 107 |
| 2023-10-01 | $275,000 (-1.6%) | $321,549 (-13.1%) | 0.00 | 122 |
| 2023-11-01 | $282,973 (-5.4%) | $332,007 (-13.7%) | 0.00 | 102 |
| 2023-12-01 | $280,000 (7.7%) | $323,193 (-6.3%) | 0.00 | 107 |
| 2024-01-01 | $275,000 (1.4%) | $312,367 (-7.6%) | 0.00 | 108 |
| 2024-02-01 | $279,475 (5.5%) | $323,283 (-5.3%) | 0.00 | 109 |
| 2024-03-01 | $278,950 (8.3%) | $347,898 (-0.9%) | 0.00 | 111 |
| 2024-04-01 | $273,631 (6.1%) | $333,245 (-9.3%) | 0.00 | 119 |
| 2024-05-01 | $276,000 (8.4%) | $353,749 (-2.8%) | 0.00 | 131 |
| 2024-06-01 | $279,900 (-8.4%) | $327,071 (-12.8%) | 0.00 | 146 |
| 2024-07-01 | $296,938 (0.7%) | $329,343 (-10.6%) | 0.00 | 175 |
| 2024-08-01 | $299,900 (2.6%) | $327,956 (-6.6%) | 0.00 | 172 |
| 2024-09-01 | $294,450 (9.3%) | $325,639 (-0.1%) | 0.00 | 179 |
| 2024-10-01 | $284,875 (3.6%) | $322,435 (0.3%) | 0.00 | 183 |
| 2024-11-01 | $289,000 (2.1%) | $325,245 (-2.0%) | 0.00 | 179 |
Nacogdoches's median listing price comes in at 0% of the national average.
Nacogdoches's average listing price for 2024-11-01 was $325,245, a difference of $-6,762 (-2.0%) versus the prior year and $2,810 versus the prior month.
For the 2024-11-01 period, Nacogdoches had 179 MLS listings, a difference of -4 listings (-2%) versus the prior month and 77 listings (75%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Nacogdoches (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,955 sqft |
| 2018-02-01 | 0 days | 1,950 sqft |
| 2018-03-01 | 0 days | 2,056 sqft |
| 2018-04-01 | 0 days | 2,001 sqft |
| 2018-05-01 | 0 days | 1,962 sqft |
| 2018-06-01 | 0 days | 2,050 sqft |
| 2018-07-01 | 0 days | 2,072 sqft |
| 2018-08-01 | 0 days | 2,067 sqft |
| 2018-09-01 | 0 days | 2,089 sqft |
| 2018-10-01 | 0 days | 2,125 sqft |
| 2018-11-01 | 0 days | 2,169 sqft |
| 2018-12-01 | 0 days | 2,080 sqft |
| 2019-01-01 | 0 days | 2,080 sqft |
| 2019-02-01 | 0 days | 2,077 sqft |
| 2019-03-01 | 0 days | 2,134 sqft |
| 2019-04-01 | 0 days | 2,140 sqft |
| 2019-05-01 | 0 days | 2,181 sqft |
| 2019-06-01 | 0 days | 2,173 sqft |
| 2019-07-01 | 0 days | 2,108 sqft |
| 2019-08-01 | 0 days | 2,127 sqft |
| 2019-09-01 | 0 days | 2,169 sqft |
| 2019-10-01 | 0 days | 2,227 sqft |
| 2019-11-01 | 0 days | 2,243 sqft |
| 2019-12-01 | 0 days | 2,200 sqft |
| 2020-01-01 | 0 days | 2,190 sqft |
| 2020-02-01 | 0 days | 2,092 sqft |
| 2020-03-01 | 0 days | 1,989 sqft |
| 2020-04-01 | 0 days | 2,223 sqft |
| 2020-05-01 | 0 days | 2,200 sqft |
| 2020-06-01 | 0 days | 2,323 sqft |
| 2020-07-01 | 0 days | 2,443 sqft |
| 2020-08-01 | 0 days | 2,478 sqft |
| 2020-09-01 | 0 days | 2,403 sqft |
| 2020-10-01 | 0 days | 2,197 sqft |
| 2020-11-01 | 0 days | 2,094 sqft |
| 2020-12-01 | 0 days | 1,968 sqft |
| 2021-01-01 | 0 days | 2,094 sqft |
| 2021-02-01 | 0 days | 2,044 sqft |
| 2021-03-01 | 0 days | 2,060 sqft |
| 2021-04-01 | 0 days | 2,155 sqft |
| 2021-05-01 | 0 days | 2,073 sqft |
| 2021-06-01 | 0 days | 2,001 sqft |
| 2021-07-01 | 0 days | 2,260 sqft |
| 2021-08-01 | 0 days | 2,278 sqft |
| 2021-09-01 | 0 days | 2,220 sqft |
| 2021-10-01 | 0 days | 2,222 sqft |
| 2021-11-01 | 0 days | 2,282 sqft |
| 2021-12-01 | 0 days | 2,323 sqft |
| 2022-01-01 | 0 days | 2,029 sqft |
| 2022-02-01 | 0 days | 2,265 sqft |
| 2022-03-01 | 0 days | 2,297 sqft |
| 2022-04-01 | 0 days | 2,003 sqft |
| 2022-05-01 | 0 days | 1,881 sqft |
| 2022-06-01 | 0 days | 1,909 sqft |
| 2022-07-01 | 0 days | 2,020 sqft |
| 2022-08-01 | 0 days | 1,875 sqft |
| 2022-09-01 | 0 days | 1,858 sqft |
| 2022-10-01 | 0 days | 1,856 sqft |
| 2022-11-01 | 0 days | 1,883 sqft |
| 2022-12-01 | 0 days | 1,848 sqft |
| 2023-01-01 | 0 days | 1,865 sqft |
| 2023-02-01 | 0 days | 1,866 sqft |
| 2023-03-01 | 0 days | 1,861 sqft |
| 2023-04-01 | 0 days | 1,880 sqft |
| 2023-05-01 | 0 days | 1,871 sqft |
| 2023-06-01 | 0 days | 1,944 sqft |
| 2023-07-01 | 0 days | 1,997 sqft |
| 2023-08-01 | 0 days | 1,969 sqft |
| 2023-09-01 | 0 days | 1,894 sqft |
| 2023-10-01 | 0 days | 1,893 sqft |
| 2023-11-01 | 0 days | 1,917 sqft |
| 2023-12-01 | 0 days | 1,857 sqft |
| 2024-01-01 | 0 days | 1,882 sqft |
| 2024-02-01 | 0 days | 1,867 sqft |
| 2024-03-01 | 0 days | 1,832 sqft |
| 2024-04-01 | 0 days | 1,815 sqft |
| 2024-05-01 | 0 days | 1,970 sqft |
| 2024-06-01 | 0 days | 1,889 sqft |
| 2024-07-01 | 0 days | 1,932 sqft |
| 2024-08-01 | 0 days | 1,912 sqft |
| 2024-09-01 | 0 days | 1,891 sqft |
| 2024-10-01 | 0 days | 1,881 sqft |
| 2024-11-01 | 0 days | 1,875 sqft |
Nacogdoches's median square footage for active listings during the 2024-11-01 period was 1,875 sqft. One year prior, the average listing was 1,917 sqft.