Paris USDA Loan Rates, Closing Costs & Stats

Paris, 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.

    Paris's 9 lenders originated 11 USDA loans during 2023. The total origination value was $1,895,000, with an average USDA loan value of $172,273.

    Paris USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Paris averaged 6.69% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Paris's average USDA mortgage closing costs are $6,247.

    The average rate for the prior week (2025-02-07) was 6.65% and one month ago for the week of 2025-01-10, the average rate was 6.69%.

    The average rate one year ago was 6.59%.

    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.

    Paris 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 Paris level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Guaranty Bank & Trust, N.A. 3 6.38% $6,242
    Farmers Bank & Trust Company 1 6.00% $17,383
    First Federal Bank 1 6.50% $11,757
    GUARANTEED RATE, INC. 1 6.13% $10,382
    GUILD MORTGAGE COMPANY 1 5.63% $12,299
    Independent Bank 1 6.25% $4,297
    Nations Lending Corporation 1 6.25% $6,601
    CROSSCOUNTRY MORTGAGE, LLC 1 7.13% $7,934
    SFMC, LP 1 5.63% $6,620

    The top Paris USDA lender as defined by loan originations is Guaranty Bank & Trust, N.A., with 3 USDA loans originated. Their average total fees are $6,242, which is $11,141 lower than the next largest lender, Farmers Bank & Trust Company.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Paris (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 $161,538 (15.5%) $210,062 (15.4%) 0.00 217
    2018-02-01 $157,675 (12.7%) $199,231 (9.6%) 0.00 221
    2018-03-01 $162,000 (19.2%) $210,601 (15.0%) 0.00 217
    2018-04-01 $170,425 (31.2%) $218,167 (23.2%) 0.00 211
    2018-05-01 $176,925 (31.1%) $225,634 (13.8%) 0.00 218
    2018-06-01 $164,950 (18.3%) $200,492 (5.6%) 0.00 231
    2018-07-01 $162,450 (16.1%) $199,101 (2.0%) 0.00 251
    2018-08-01 $165,000 (14.2%) $208,632 (2.7%) 0.00 258
    2018-09-01 $169,900 (19.2%) $216,720 (8.5%) 0.00 259
    2018-10-01 $169,900 (14.9%) $216,771 (3.3%) 0.00 283
    2018-11-01 $169,600 (12.1%) $210,483 (2.7%) 0.00 271
    2018-12-01 $159,900 (6.6%) $204,124 (-2.2%) 0.00 245
    2019-01-01 $150,750 (-6.7%) $200,487 (-4.6%) 0.00 239
    2019-02-01 $157,925 (0.2%) $203,741 (2.3%) 0.00 234
    2019-03-01 $160,350 (-1.0%) $201,049 (-4.5%) 0.00 231
    2019-04-01 $164,725 (-3.3%) $205,201 (-5.9%) 0.00 230
    2019-05-01 $184,850 (4.5%) $218,455 (-3.2%) 0.00 250
    2019-06-01 $169,500 (2.8%) $209,274 (4.4%) 0.00 263
    2019-07-01 $175,075 (7.8%) $216,313 (8.6%) 0.00 265
    2019-08-01 $186,087 (12.8%) $221,390 (6.1%) 0.00 263
    2019-09-01 $187,726 (10.5%) $220,598 (1.8%) 0.00 257
    2019-10-01 $189,000 (11.2%) $221,822 (2.3%) 0.00 251
    2019-11-01 $174,700 (3.0%) $213,108 (1.3%) 0.00 245
    2019-12-01 $166,500 (4.1%) $206,504 (1.2%) 0.00 235
    2020-01-01 $171,850 (14.0%) $220,264 (9.9%) 0.00 205
    2020-02-01 $174,900 (10.8%) $231,705 (13.7%) 0.00 195
    2020-03-01 $168,948 (5.4%) $237,081 (17.9%) 0.00 187
    2020-04-01 $167,035 (1.4%) $229,317 (11.8%) 0.00 175
    2020-05-01 $165,000 (-10.7%) $220,581 (1.0%) 0.00 158
    2020-06-01 $174,325 (2.9%) $224,434 (7.2%) 0.00 145
    2020-07-01 $186,250 (6.4%) $223,233 (3.2%) 0.00 143
    2020-08-01 $179,900 (-3.3%) $216,417 (-2.3%) 0.00 110
    2020-09-01 $193,250 (2.9%) $226,717 (2.8%) 0.00 106
    2020-10-01 $191,500 (1.3%) $229,563 (3.5%) 0.00 120
    2020-11-01 $192,425 (10.2%) $248,338 (16.5%) 0.00 116
    2020-12-01 $174,950 (5.1%) $231,745 (12.2%) 0.00 108
    2021-01-01 $174,900 (1.8%) $232,808 (5.7%) 0.00 100
    2021-02-01 $158,863 (-9.2%) $218,872 (-5.5%) 0.00 98
    2021-03-01 $167,450 (-0.9%) $224,186 (-5.4%) 0.00 81
    2021-04-01 $174,900 (4.7%) $232,434 (1.4%) 0.00 69
    2021-05-01 $189,900 (15.1%) $243,727 (10.5%) 0.00 69
    2021-06-01 $192,000 (10.1%) $235,804 (5.1%) 0.00 85
    2021-07-01 $189,900 (2.0%) $259,991 (16.5%) 0.00 84
    2021-08-01 $205,900 (14.5%) $258,716 (19.5%) 0.00 95
    2021-09-01 $243,325 (25.9%) $285,240 (25.8%) 0.00 120
    2021-10-01 $238,000 (24.3%) $281,800 (22.8%) 0.00 131
    2021-11-01 $223,975 (16.4%) $293,133 (18.0%) 0.00 111
    2021-12-01 $219,750 (25.6%) $303,208 (30.8%) 0.00 107
    2022-01-01 $247,450 (41.5%) $320,800 (37.8%) 0.00 108
    2022-02-01 $234,900 (47.9%) $317,227 (44.9%) 0.00 97
    2022-03-01 $272,450 (62.7%) $347,283 (54.9%) 0.00 95
    2022-04-01 $252,450 (44.3%) $357,456 (53.8%) 0.00 106
    2022-05-01 $257,825 (35.8%) $384,751 (57.9%) 0.00 117
    2022-06-01 $241,225 (25.6%) $344,987 (46.3%) 0.00 140
    2022-07-01 $241,400 (27.1%) $330,777 (27.2%) 0.00 163
    2022-08-01 $228,495 (11.0%) $304,088 (17.5%) 0.00 191
    2022-09-01 $225,000 (-7.5%) $308,892 (8.3%) 0.00 197
    2022-10-01 $219,500 (-7.8%) $294,886 (4.6%) 0.00 224
    2022-11-01 $215,000 (-4.0%) $303,599 (3.6%) 0.00 232
    2022-12-01 $222,500 (1.3%) $310,393 (2.4%) 0.00 226
    2023-01-01 $235,225 (-4.9%) $315,631 (-1.6%) 0.00 214
    2023-02-01 $247,475 (5.4%) $334,440 (5.4%) 0.00 215
    2023-03-01 $256,250 (-6.0%) $341,818 (-1.6%) 0.00 210
    2023-04-01 $260,000 (3.0%) $355,775 (-0.5%) 0.00 209
    2023-05-01 $274,925 (6.6%) $365,555 (-5.0%) 0.00 199
    2023-06-01 $277,500 (15.0%) $359,606 (4.2%) 0.00 205
    2023-07-01 $260,000 (7.7%) $347,258 (5.0%) 0.00 227
    2023-08-01 $259,000 (13.4%) $360,428 (18.5%) 0.00 235
    2023-09-01 $254,000 (12.9%) $358,859 (16.2%) 0.00 242
    2023-10-01 $249,975 (13.9%) $360,422 (22.2%) 0.00 244
    2023-11-01 $248,500 (15.6%) $351,242 (15.7%) 0.00 257
    2023-12-01 $248,500 (11.7%) $354,814 (14.3%) 0.00 257
    2024-01-01 $248,500 (5.6%) $362,054 (14.7%) 0.00 231
    2024-02-01 $247,000 (-0.2%) $358,006 (7.1%) 0.00 212
    2024-03-01 $241,900 (-5.6%) $343,927 (0.6%) 0.00 209
    2024-04-01 $241,900 (-7.0%) $338,180 (-5.0%) 0.00 217
    2024-05-01 $241,900 (-12.0%) $326,203 (-10.8%) 0.00 211
    2024-06-01 $259,000 (-6.7%) $330,212 (-8.2%) 0.00 242
    2024-07-01 $254,000 (-2.3%) $358,016 (3.1%) 0.00 257
    2024-08-01 $259,950 (0.4%) $355,253 (-1.4%) 0.00 262
    2024-09-01 $262,475 (3.3%) $361,205 (0.7%) 0.00 262
    2024-10-01 $270,725 (8.3%) $355,812 (-1.3%) 0.00 272
    2024-11-01 $269,900 (8.6%) $351,253 (0.0%) 0.00 277
    2024-12-01 $276,375 (11.2%) $355,807 (0.3%) 0.00 271
    2025-01-01 $277,000 (11.5%) $336,611 (-7.0%) 0.00 275
    Paris's median listing price for 2025-01-01 was $277,000, a difference of $28,500 (11.5%) versus the prior year and $625 versus the prior month.

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

    Paris's average listing price for 2025-01-01 was $336,611, a difference of $-25,443 (-7.0%) versus the prior year and $-19,196 versus the prior month.

    For the 2025-01-01 period, Paris had 275 MLS listings, a difference of 4 listings (1%) versus the prior month and 44 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Paris (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,079 sqft
    2018-02-01 0 days 2,015 sqft
    2018-03-01 0 days 2,082 sqft
    2018-04-01 0 days 2,258 sqft
    2018-05-01 0 days 2,383 sqft
    2018-06-01 0 days 2,257 sqft
    2018-07-01 0 days 2,158 sqft
    2018-08-01 0 days 2,184 sqft
    2018-09-01 0 days 2,111 sqft
    2018-10-01 0 days 2,058 sqft
    2018-11-01 0 days 2,034 sqft
    2018-12-01 0 days 2,036 sqft
    2019-01-01 0 days 1,957 sqft
    2019-02-01 0 days 1,986 sqft
    2019-03-01 0 days 2,001 sqft
    2019-04-01 0 days 1,999 sqft
    2019-05-01 0 days 2,140 sqft
    2019-06-01 0 days 2,006 sqft
    2019-07-01 0 days 2,021 sqft
    2019-08-01 0 days 2,122 sqft
    2019-09-01 0 days 2,178 sqft
    2019-10-01 0 days 2,233 sqft
    2019-11-01 0 days 2,173 sqft
    2019-12-01 0 days 2,151 sqft
    2020-01-01 0 days 2,156 sqft
    2020-02-01 0 days 2,171 sqft
    2020-03-01 0 days 2,059 sqft
    2020-04-01 0 days 2,035 sqft
    2020-05-01 0 days 1,976 sqft
    2020-06-01 0 days 2,102 sqft
    2020-07-01 0 days 2,044 sqft
    2020-08-01 0 days 2,044 sqft
    2020-09-01 0 days 2,299 sqft
    2020-10-01 0 days 2,340 sqft
    2020-11-01 0 days 2,324 sqft
    2020-12-01 0 days 2,086 sqft
    2021-01-01 0 days 2,066 sqft
    2021-02-01 0 days 1,814 sqft
    2021-03-01 0 days 1,832 sqft
    2021-04-01 0 days 2,015 sqft
    2021-05-01 0 days 1,992 sqft
    2021-06-01 0 days 1,953 sqft
    2021-07-01 0 days 1,899 sqft
    2021-08-01 0 days 1,873 sqft
    2021-09-01 0 days 1,865 sqft
    2021-10-01 0 days 1,832 sqft
    2021-11-01 0 days 1,786 sqft
    2021-12-01 0 days 1,789 sqft
    2022-01-01 0 days 1,849 sqft
    2022-02-01 0 days 1,768 sqft
    2022-03-01 0 days 1,868 sqft
    2022-04-01 0 days 1,801 sqft
    2022-05-01 0 days 1,800 sqft
    2022-06-01 0 days 1,803 sqft
    2022-07-01 0 days 1,786 sqft
    2022-08-01 0 days 1,784 sqft
    2022-09-01 0 days 1,774 sqft
    2022-10-01 0 days 1,712 sqft
    2022-11-01 0 days 1,722 sqft
    2022-12-01 0 days 1,777 sqft
    2023-01-01 0 days 1,773 sqft
    2023-02-01 0 days 1,797 sqft
    2023-03-01 0 days 1,791 sqft
    2023-04-01 0 days 1,809 sqft
    2023-05-01 0 days 1,887 sqft
    2023-06-01 0 days 1,924 sqft
    2023-07-01 0 days 1,898 sqft
    2023-08-01 0 days 1,844 sqft
    2023-09-01 0 days 1,800 sqft
    2023-10-01 0 days 1,794 sqft
    2023-11-01 0 days 1,790 sqft
    2023-12-01 0 days 1,792 sqft
    2024-01-01 0 days 1,759 sqft
    2024-02-01 0 days 1,732 sqft
    2024-03-01 0 days 1,700 sqft
    2024-04-01 0 days 1,778 sqft
    2024-05-01 0 days 1,781 sqft
    2024-06-01 0 days 1,790 sqft
    2024-07-01 0 days 1,804 sqft
    2024-08-01 0 days 1,926 sqft
    2024-09-01 0 days 1,917 sqft
    2024-10-01 0 days 1,874 sqft
    2024-11-01 0 days 1,840 sqft
    2024-12-01 0 days 1,848 sqft
    2025-01-01 0 days 1,855 sqft
    Paris's median listing age (time on market) for 2025-01-01 was 0 days.

    Paris's median square footage for active listings during the 2025-01-01 period was 1,855 sqft. One year prior, the average listing was 1,759 sqft.