San Angelo USDA Loan Rates, Closing Costs & Stats

SAN ANGELO, 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.

    San Angelo's 1 lenders originated 1 USDA loans during 2023. The total origination value was $145,000, with an average USDA loan value of $145,000.

    San Angelo USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in San Angelo averaged 6.56% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    San Angelo's average USDA mortgage closing costs are $4,986.

    The average rate for the prior week (2025-02-07) was 6.61% and one month ago for the week of 2025-01-10, the average rate was 6.76%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.73%.

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

    San Angelo 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 San Angelo level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.50% $5,494

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - San Angelo (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 $193,500 (-5.1%) $259,929 (0.5%) 0.00 492
    2018-02-01 $194,375 (-3.8%) $270,147 (5.5%) 0.00 454
    2018-03-01 $199,000 (-2.9%) $274,818 (5.9%) 0.00 447
    2018-04-01 $217,950 (7.6%) $296,431 (14.6%) 0.00 412
    2018-05-01 $219,925 (11.2%) $299,265 (18.3%) 0.00 387
    2018-06-01 $218,925 (10.5%) $293,481 (15.9%) 0.00 414
    2018-07-01 $200,200 (1.0%) $280,538 (9.7%) 0.00 434
    2018-08-01 $216,000 (9.2%) $286,975 (10.9%) 0.00 444
    2018-09-01 $224,900 (14.0%) $293,678 (13.7%) 0.00 455
    2018-10-01 $224,900 (15.3%) $298,724 (18.1%) 0.00 443
    2018-11-01 $217,400 (11.4%) $294,180 (15.0%) 0.00 441
    2018-12-01 $210,000 (6.6%) $296,193 (12.7%) 0.00 406
    2019-01-01 $211,725 (9.4%) $283,667 (9.1%) 0.00 408
    2019-02-01 $222,950 (14.7%) $291,847 (8.0%) 0.00 395
    2019-03-01 $229,443 (15.3%) $301,924 (9.9%) 0.00 385
    2019-04-01 $241,117 (10.6%) $309,860 (4.5%) 0.00 388
    2019-05-01 $249,900 (13.6%) $316,353 (5.7%) 0.00 373
    2019-06-01 $249,900 (14.2%) $321,968 (9.7%) 0.00 340
    2019-07-01 $249,475 (24.6%) $324,196 (15.6%) 0.00 335
    2019-08-01 $253,873 (17.5%) $333,461 (16.2%) 0.00 333
    2019-09-01 $245,507 (9.2%) $332,531 (13.2%) 0.00 332
    2019-10-01 $234,500 (4.3%) $326,917 (9.4%) 0.00 339
    2019-11-01 $238,200 (9.6%) $322,921 (9.8%) 0.00 338
    2019-12-01 $239,000 (13.8%) $325,206 (9.8%) 0.00 326
    2020-01-01 $249,000 (17.6%) $323,999 (14.2%) 0.00 308
    2020-02-01 $256,900 (15.2%) $327,129 (12.1%) 0.00 298
    2020-03-01 $266,950 (16.4%) $336,619 (11.5%) 0.00 286
    2020-04-01 $265,400 (10.1%) $331,478 (7.0%) 0.00 308
    2020-05-01 $274,950 (10.0%) $356,233 (12.6%) 0.00 261
    2020-06-01 $282,400 (13.0%) $367,660 (14.2%) 0.00 244
    2020-07-01 $279,750 (12.1%) $376,837 (16.2%) 0.00 237
    2020-08-01 $265,000 (4.4%) $352,751 (5.8%) 0.00 235
    2020-09-01 $255,913 (4.2%) $344,762 (3.7%) 0.00 208
    2020-10-01 $269,900 (15.1%) $355,648 (8.8%) 0.00 205
    2020-11-01 $270,000 (13.4%) $355,759 (10.2%) 0.00 205
    2020-12-01 $258,200 (8.0%) $345,879 (6.4%) 0.00 209
    2021-01-01 $265,400 (6.6%) $350,045 (8.0%) 0.00 182
    2021-02-01 $264,400 (2.9%) $367,538 (12.4%) 0.00 165
    2021-03-01 $257,500 (-3.5%) $385,259 (14.5%) 0.00 144
    2021-04-01 $282,450 (6.4%) $428,258 (29.2%) 0.00 130
    2021-05-01 $279,900 (1.8%) $418,856 (17.6%) 0.00 135
    2021-06-01 $270,000 (-4.4%) $411,393 (11.9%) 0.00 145
    2021-07-01 $247,450 (-11.6%) $362,763 (-3.7%) 0.00 193
    2021-08-01 $249,700 (-5.8%) $344,323 (-2.4%) 0.00 219
    2021-09-01 $255,000 (-0.4%) $367,679 (6.7%) 0.00 225
    2021-10-01 $258,000 (-4.4%) $377,796 (6.2%) 0.00 224
    2021-11-01 $266,000 (-1.5%) $375,579 (5.6%) 0.00 230
    2021-12-01 $262,250 (1.6%) $368,836 (6.6%) 0.00 206
    2022-01-01 $265,000 (-0.2%) $359,905 (2.8%) 0.00 201
    2022-02-01 $268,950 (1.7%) $368,024 (0.1%) 0.00 173
    2022-03-01 $279,950 (8.7%) $376,060 (-2.4%) 0.00 164
    2022-04-01 $261,000 (-7.6%) $358,819 (-16.2%) 0.00 164
    2022-05-01 $289,500 (3.4%) $359,634 (-14.1%) 0.00 190
    2022-06-01 $279,000 (3.3%) $343,789 (-16.4%) 0.00 259
    2022-07-01 $265,000 (7.1%) $314,962 (-13.2%) 0.00 311
    2022-08-01 $265,000 (6.1%) $317,721 (-7.7%) 0.00 337
    2022-09-01 $279,450 (9.6%) $330,761 (-10.0%) 0.00 353
    2022-10-01 $279,000 (8.1%) $326,295 (-13.6%) 0.00 364
    2022-11-01 $299,675 (12.7%) $351,153 (-6.5%) 0.00 374
    2022-12-01 $299,900 (14.4%) $356,080 (-3.5%) 0.00 360
    2023-01-01 $300,400 (13.4%) $363,100 (0.9%) 0.00 344
    2023-02-01 $307,547 (14.4%) $356,978 (-3.0%) 0.00 307
    2023-03-01 $310,000 (10.7%) $367,618 (-2.2%) 0.00 288
    2023-04-01 $325,000 (24.5%) $393,054 (9.5%) 0.00 275
    2023-05-01 $330,900 (14.3%) $404,148 (12.4%) 0.00 308
    2023-06-01 $321,850 (15.4%) $389,881 (13.4%) 0.00 319
    2023-07-01 $320,000 (20.8%) $384,301 (22.0%) 0.00 330
    2023-08-01 $319,950 (20.7%) $387,395 (21.9%) 0.00 330
    2023-09-01 $315,000 (12.7%) $383,050 (15.8%) 0.00 322
    2023-10-01 $296,700 (6.3%) $363,310 (11.3%) 0.00 386
    2023-11-01 $286,475 (-4.4%) $364,482 (3.8%) 0.00 369
    2023-12-01 $285,000 (-5.0%) $362,904 (1.9%) 0.00 400
    2024-01-01 $282,225 (-6.1%) $358,386 (-1.3%) 0.00 396
    2024-02-01 $288,125 (-6.3%) $363,675 (1.9%) 0.00 379
    2024-03-01 $296,750 (-4.3%) $370,283 (0.7%) 0.00 391
    2024-04-01 $298,500 (-8.2%) $370,256 (-5.8%) 0.00 407
    2024-05-01 $299,000 (-9.6%) $365,830 (-9.5%) 0.00 423
    2024-06-01 $299,200 (-7.0%) $358,936 (-7.9%) 0.00 468
    2024-07-01 $303,650 (-5.1%) $368,306 (-4.2%) 0.00 481
    2024-08-01 $298,500 (-6.7%) $373,966 (-3.5%) 0.00 526
    2024-09-01 $299,950 (-4.8%) $370,763 (-3.2%) 0.00 562
    2024-10-01 $299,900 (1.1%) $373,988 (2.9%) 0.00 585
    2024-11-01 $307,400 (7.3%) $374,143 (2.7%) 0.00 561
    2024-12-01 $299,450 (5.1%) $366,158 (0.9%) 0.00 593
    2025-01-01 $291,325 (3.2%) $352,093 (-1.8%) 0.00 610
    San Angelo's median listing price for 2025-01-01 was $291,325, a difference of $9,100 (3.2%) versus the prior year and $-8,125 versus the prior month.

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

    San Angelo's average listing price for 2025-01-01 was $352,093, a difference of $-6,293 (-1.8%) versus the prior year and $-14,065 versus the prior month.

    For the 2025-01-01 period, San Angelo had 610 MLS listings, a difference of 17 listings (3%) versus the prior month and 214 listings (54%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - San Angelo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,846 sqft
    2018-02-01 0 days 1,866 sqft
    2018-03-01 0 days 1,871 sqft
    2018-04-01 0 days 1,902 sqft
    2018-05-01 0 days 1,905 sqft
    2018-06-01 0 days 1,917 sqft
    2018-07-01 0 days 1,881 sqft
    2018-08-01 0 days 1,895 sqft
    2018-09-01 0 days 1,929 sqft
    2018-10-01 0 days 1,952 sqft
    2018-11-01 0 days 1,951 sqft
    2018-12-01 0 days 1,943 sqft
    2019-01-01 0 days 1,899 sqft
    2019-02-01 0 days 1,879 sqft
    2019-03-01 0 days 1,924 sqft
    2019-04-01 0 days 1,982 sqft
    2019-05-01 0 days 1,998 sqft
    2019-06-01 0 days 1,973 sqft
    2019-07-01 0 days 1,977 sqft
    2019-08-01 0 days 1,998 sqft
    2019-09-01 0 days 1,982 sqft
    2019-10-01 0 days 1,947 sqft
    2019-11-01 0 days 1,908 sqft
    2019-12-01 0 days 1,866 sqft
    2020-01-01 0 days 1,892 sqft
    2020-02-01 0 days 1,954 sqft
    2020-03-01 0 days 2,003 sqft
    2020-04-01 0 days 1,979 sqft
    2020-05-01 0 days 2,047 sqft
    2020-06-01 0 days 2,058 sqft
    2020-07-01 0 days 1,998 sqft
    2020-08-01 0 days 1,930 sqft
    2020-09-01 0 days 1,888 sqft
    2020-10-01 0 days 1,969 sqft
    2020-11-01 0 days 1,956 sqft
    2020-12-01 0 days 1,873 sqft
    2021-01-01 0 days 1,830 sqft
    2021-02-01 0 days 1,890 sqft
    2021-03-01 0 days 1,977 sqft
    2021-04-01 0 days 1,993 sqft
    2021-05-01 0 days 1,913 sqft
    2021-06-01 0 days 1,917 sqft
    2021-07-01 0 days 1,877 sqft
    2021-08-01 0 days 1,839 sqft
    2021-09-01 0 days 1,878 sqft
    2021-10-01 0 days 1,917 sqft
    2021-11-01 0 days 1,869 sqft
    2021-12-01 0 days 1,905 sqft
    2022-01-01 0 days 1,834 sqft
    2022-02-01 0 days 1,834 sqft
    2022-03-01 0 days 1,904 sqft
    2022-04-01 0 days 1,791 sqft
    2022-05-01 0 days 1,775 sqft
    2022-06-01 0 days 1,804 sqft
    2022-07-01 0 days 1,787 sqft
    2022-08-01 0 days 1,800 sqft
    2022-09-01 0 days 1,820 sqft
    2022-10-01 0 days 1,851 sqft
    2022-11-01 0 days 1,866 sqft
    2022-12-01 0 days 1,841 sqft
    2023-01-01 0 days 1,879 sqft
    2023-02-01 0 days 1,872 sqft
    2023-03-01 0 days 1,884 sqft
    2023-04-01 0 days 1,947 sqft
    2023-05-01 0 days 1,950 sqft
    2023-06-01 0 days 1,902 sqft
    2023-07-01 0 days 1,913 sqft
    2023-08-01 0 days 1,888 sqft
    2023-09-01 0 days 1,872 sqft
    2023-10-01 0 days 1,753 sqft
    2023-11-01 0 days 1,768 sqft
    2023-12-01 0 days 1,770 sqft
    2024-01-01 0 days 1,748 sqft
    2024-02-01 0 days 1,741 sqft
    2024-03-01 0 days 1,800 sqft
    2024-04-01 0 days 1,831 sqft
    2024-05-01 0 days 1,796 sqft
    2024-06-01 0 days 1,793 sqft
    2024-07-01 0 days 1,840 sqft
    2024-08-01 0 days 1,813 sqft
    2024-09-01 0 days 1,792 sqft
    2024-10-01 0 days 1,788 sqft
    2024-11-01 0 days 1,800 sqft
    2024-12-01 0 days 1,794 sqft
    2025-01-01 0 days 1,767 sqft
    San Angelo's median listing age (time on market) for 2025-01-01 was 0 days.

    San Angelo's median square footage for active listings during the 2025-01-01 period was 1,767 sqft. One year prior, the average listing was 1,748 sqft.