Port Lavaca USDA Loan Rates, Closing Costs & Stats

Port Lavaca, 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.

    Port Lavaca's 2 lenders originated 2 USDA loans during 2023. The total origination value was $300,000, with an average USDA loan value of $150,000.

    Port Lavaca USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Port Lavaca averaged 0.14% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Port Lavaca's average USDA mortgage closing costs are $4,845.

    The average rate for the prior week (2024-11-08) was 6.5% and one month ago for the week of 2024-10-11, the average rate was 6.36%.

    The average rate one year ago was 7.79%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0%.

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

    Port Lavaca 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 Port Lavaca level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CALCON MUTUAL MORTGAGE LLC 1 6.13% $9,725
    Wallick & Volk, Inc. 1 7.13% $1,990

    The top Port Lavaca USDA lender as defined by loan originations is CALCON MUTUAL MORTGAGE LLC, with 1 USDA loans originated. Their average total fees are $9,725, which is $7,734 higher than the next largest lender, Wallick & Volk, Inc..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Port Lavaca (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 $228,900 (9.9%) $305,282 (-2.4%) 0.00 138
    2018-02-01 $244,650 (13.8%) $326,422 (1.1%) 0.00 133
    2018-03-01 $249,000 (19.6%) $344,332 (9.8%) 0.00 136
    2018-04-01 $254,988 (16.0%) $344,752 (9.3%) 0.00 145
    2018-05-01 $253,000 (12.4%) $338,534 (8.6%) 0.00 160
    2018-06-01 $257,450 (14.4%) $345,837 (11.4%) 0.00 183
    2018-07-01 $259,450 (18.0%) $365,161 (17.5%) 0.00 182
    2018-08-01 $273,450 (29.0%) $377,630 (27.0%) 0.00 172
    2018-09-01 $274,950 (37.7%) $359,206 (26.5%) 0.00 165
    2018-10-01 $274,500 (40.5%) $360,695 (34.9%) 0.00 161
    2018-11-01 $278,225 (28.7%) $356,341 (27.4%) 0.00 154
    2018-12-01 $262,400 (16.6%) $331,003 (15.0%) 0.00 154
    2019-01-01 $260,000 (13.6%) $329,184 (7.8%) 0.00 143
    2019-02-01 $260,000 (6.3%) $329,274 (0.9%) 0.00 148
    2019-03-01 $263,857 (6.0%) $327,487 (-4.9%) 0.00 144
    2019-04-01 $269,450 (5.7%) $330,029 (-4.3%) 0.00 142
    2019-05-01 $257,000 (1.6%) $324,008 (-4.3%) 0.00 145
    2019-06-01 $254,000 (-1.3%) $332,031 (-4.0%) 0.00 144
    2019-07-01 $249,900 (-3.7%) $324,876 (-11.0%) 0.00 147
    2019-08-01 $249,077 (-8.9%) $332,185 (-12.0%) 0.00 144
    2019-09-01 $243,943 (-11.3%) $327,575 (-8.8%) 0.00 141
    2019-10-01 $239,950 (-12.6%) $323,300 (-10.4%) 0.00 138
    2019-11-01 $249,700 (-10.3%) $324,807 (-8.9%) 0.00 138
    2019-12-01 $236,975 (-9.7%) $318,615 (-3.7%) 0.00 133
    2020-01-01 $230,000 (-11.5%) $310,358 (-5.7%) 0.00 124
    2020-02-01 $244,450 (-6.0%) $346,672 (5.3%) 0.00 112
    2020-03-01 $257,950 (-2.2%) $357,579 (9.2%) 0.00 120
    2020-04-01 $270,725 (0.5%) $361,911 (9.7%) 0.00 119
    2020-05-01 $269,900 (5.0%) $367,354 (13.4%) 0.00 116
    2020-06-01 $251,250 (-1.1%) $358,619 (8.0%) 0.00 114
    2020-07-01 $251,250 (0.5%) $405,260 (24.7%) 0.00 109
    2020-08-01 $249,900 (0.3%) $394,063 (18.6%) 0.00 97
    2020-09-01 $249,950 (2.5%) $413,222 (26.2%) 0.00 87
    2020-10-01 $262,500 (9.4%) $407,386 (26.0%) 0.00 82
    2020-11-01 $261,250 (4.6%) $425,137 (30.9%) 0.00 82
    2020-12-01 $249,000 (5.1%) $402,257 (26.3%) 0.00 83
    2021-01-01 $249,950 (8.7%) $423,796 (36.6%) 0.00 77
    2021-02-01 $245,000 (0.2%) $418,483 (20.7%) 0.00 71
    2021-03-01 $279,750 (8.5%) $454,208 (27.0%) 0.00 69
    2021-04-01 $253,750 (-6.3%) $427,033 (18.0%) 0.00 65
    2021-05-01 $274,900 (1.9%) $423,269 (15.2%) 0.00 65
    2021-06-01 $283,600 (12.9%) $463,951 (29.4%) 0.00 65
    2021-07-01 $292,450 (16.4%) $389,617 (-3.9%) 0.00 57
    2021-08-01 $286,175 (14.5%) $354,719 (-10.0%) 0.00 56
    2021-09-01 $287,000 (14.8%) $359,836 (-12.9%) 0.00 64
    2021-10-01 $280,500 (6.9%) $346,663 (-14.9%) 0.00 67
    2021-11-01 $251,200 (-3.9%) $329,559 (-22.5%) 0.00 65
    2021-12-01 $236,225 (-5.1%) $313,247 (-22.1%) 0.00 68
    2022-01-01 $257,450 (3.0%) $312,536 (-26.3%) 0.00 61
    2022-02-01 $229,000 (-6.5%) $270,238 (-35.4%) 0.00 53
    2022-03-01 $250,750 (-10.4%) $330,159 (-27.3%) 0.00 56
    2022-04-01 $294,450 (16.0%) $365,639 (-14.4%) 0.00 58
    2022-05-01 $289,000 (5.1%) $360,649 (-14.8%) 0.00 57
    2022-06-01 $290,500 (2.4%) $354,613 (-23.6%) 0.00 61
    2022-07-01 $319,000 (9.1%) $422,905 (8.5%) 0.00 69
    2022-08-01 $312,000 (9.0%) $415,591 (17.2%) 0.00 70
    2022-09-01 $277,450 (-3.3%) $403,661 (12.2%) 0.00 86
    2022-10-01 $298,500 (6.4%) $423,272 (22.1%) 0.00 81
    2022-11-01 $327,000 (30.2%) $453,790 (37.7%) 0.00 79
    2022-12-01 $317,000 (34.2%) $450,582 (43.8%) 0.00 80
    2023-01-01 $308,750 (19.9%) $450,499 (44.1%) 0.00 82
    2023-02-01 $299,000 (30.6%) $433,191 (60.3%) 0.00 82
    2023-03-01 $307,500 (22.6%) $430,712 (30.5%) 0.00 83
    2023-04-01 $299,000 (1.6%) $402,131 (10.0%) 0.00 93
    2023-05-01 $304,975 (5.5%) $415,212 (15.1%) 0.00 96
    2023-06-01 $335,000 (15.3%) $445,707 (25.7%) 0.00 95
    2023-07-01 $327,000 (2.5%) $419,957 (-0.7%) 0.00 103
    2023-08-01 $317,250 (1.7%) $403,842 (-2.8%) 0.00 102
    2023-09-01 $322,000 (16.1%) $396,774 (-1.7%) 0.00 115
    2023-10-01 $316,000 (5.9%) $412,719 (-2.5%) 0.00 116
    2023-11-01 $325,250 (-0.5%) $433,704 (-4.4%) 0.00 115
    2023-12-01 $325,000 (2.5%) $428,319 (-4.9%) 0.00 103
    2024-01-01 $313,500 (1.5%) $419,206 (-7.0%) 0.00 110
    2024-02-01 $311,475 (4.2%) $415,522 (-4.1%) 0.00 109
    2024-03-01 $339,500 (10.4%) $443,015 (2.9%) 0.00 114
    2024-04-01 $346,450 (15.9%) $438,929 (9.2%) 0.00 136
    2024-05-01 $357,000 (17.1%) $425,503 (2.5%) 0.00 155
    2024-06-01 $340,000 (1.5%) $413,891 (-7.1%) 0.00 158
    2024-07-01 $367,375 (12.4%) $432,429 (3.0%) 0.00 162
    2024-08-01 $353,725 (11.5%) $426,504 (5.6%) 0.00 151
    2024-09-01 $357,425 (11.0%) $458,461 (15.6%) 0.00 151
    2024-10-01 $349,950 (10.7%) $444,648 (7.7%) 0.00 155
    Port Lavaca's median listing price for 2024-10-01 was $349,950, a difference of $33,950 (10.7%) versus the prior year and $-7,475 versus the prior month.

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

    Port Lavaca's average listing price for 2024-10-01 was $444,648, a difference of $31,929 (7.7%) versus the prior year and $-13,813 versus the prior month.

    For the 2024-10-01 period, Port Lavaca had 155 MLS listings, a difference of 4 listings (3%) versus the prior month and 39 listings (34%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Port Lavaca (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,601 sqft
    2018-02-01 0 days 1,679 sqft
    2018-03-01 0 days 1,736 sqft
    2018-04-01 0 days 1,768 sqft
    2018-05-01 0 days 1,718 sqft
    2018-06-01 0 days 1,793 sqft
    2018-07-01 0 days 1,785 sqft
    2018-08-01 0 days 1,795 sqft
    2018-09-01 0 days 1,800 sqft
    2018-10-01 0 days 1,793 sqft
    2018-11-01 0 days 1,807 sqft
    2018-12-01 0 days 1,700 sqft
    2019-01-01 0 days 1,699 sqft
    2019-02-01 0 days 1,697 sqft
    2019-03-01 0 days 1,672 sqft
    2019-04-01 0 days 1,644 sqft
    2019-05-01 0 days 1,621 sqft
    2019-06-01 0 days 1,583 sqft
    2019-07-01 0 days 1,577 sqft
    2019-08-01 0 days 1,576 sqft
    2019-09-01 0 days 1,563 sqft
    2019-10-01 0 days 1,534 sqft
    2019-11-01 0 days 1,565 sqft
    2019-12-01 0 days 1,543 sqft
    2020-01-01 0 days 1,549 sqft
    2020-02-01 0 days 1,620 sqft
    2020-03-01 0 days 1,780 sqft
    2020-04-01 0 days 1,796 sqft
    2020-05-01 0 days 1,854 sqft
    2020-06-01 0 days 1,800 sqft
    2020-07-01 0 days 1,773 sqft
    2020-08-01 0 days 1,800 sqft
    2020-09-01 0 days 1,729 sqft
    2020-10-01 0 days 1,649 sqft
    2020-11-01 0 days 1,667 sqft
    2020-12-01 0 days 1,639 sqft
    2021-01-01 0 days 1,792 sqft
    2021-02-01 0 days 1,796 sqft
    2021-03-01 0 days 1,722 sqft
    2021-04-01 0 days 1,496 sqft
    2021-05-01 0 days 1,600 sqft
    2021-06-01 0 days 1,787 sqft
    2021-07-01 0 days 1,712 sqft
    2021-08-01 0 days 1,737 sqft
    2021-09-01 0 days 1,593 sqft
    2021-10-01 0 days 1,600 sqft
    2021-11-01 0 days 1,438 sqft
    2021-12-01 0 days 1,453 sqft
    2022-01-01 0 days 1,528 sqft
    2022-02-01 0 days 1,581 sqft
    2022-03-01 0 days 1,631 sqft
    2022-04-01 0 days 1,628 sqft
    2022-05-01 0 days 1,748 sqft
    2022-06-01 0 days 1,714 sqft
    2022-07-01 0 days 1,620 sqft
    2022-08-01 0 days 1,631 sqft
    2022-09-01 0 days 1,611 sqft
    2022-10-01 0 days 1,616 sqft
    2022-11-01 0 days 1,630 sqft
    2022-12-01 0 days 1,690 sqft
    2023-01-01 0 days 1,728 sqft
    2023-02-01 0 days 1,718 sqft
    2023-03-01 0 days 1,740 sqft
    2023-04-01 0 days 1,642 sqft
    2023-05-01 0 days 1,633 sqft
    2023-06-01 0 days 1,688 sqft
    2023-07-01 0 days 1,634 sqft
    2023-08-01 0 days 1,635 sqft
    2023-09-01 0 days 1,620 sqft
    2023-10-01 0 days 1,626 sqft
    2023-11-01 0 days 1,704 sqft
    2023-12-01 0 days 1,668 sqft
    2024-01-01 0 days 1,705 sqft
    2024-02-01 0 days 1,671 sqft
    2024-03-01 0 days 1,780 sqft
    2024-04-01 0 days 1,763 sqft
    2024-05-01 0 days 1,681 sqft
    2024-06-01 0 days 1,662 sqft
    2024-07-01 0 days 1,672 sqft
    2024-08-01 0 days 1,660 sqft
    2024-09-01 0 days 1,642 sqft
    2024-10-01 0 days 1,633 sqft
    Port Lavaca's median listing age (time on market) for 2024-10-01 was 0 days.

    Port Lavaca's median square footage for active listings during the 2024-10-01 period was 1,633 sqft. One year prior, the average listing was 1,626 sqft.