Stephenville USDA Loan Rates, Closing Costs & Stats

Stephenville, TX

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Stephenville's 3 lenders originated 3 USDA loans during 2023. The total origination value was $555,000, with an average USDA loan value of $185,000.

    Stephenville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Stephenville averaged 6.98% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Stephenville's average USDA mortgage closing costs are $5,643.

    The average rate for the prior week (2024-04-12) was 6.83% and one month ago for the week of 2024-03-15, the average rate was 6.81%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.86%.

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

    Stephenville 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 Stephenville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Affiliated Bank 1 6.25% $8,216
    GUILD MORTGAGE COMPANY 1 6.63% $6,073
    SFMC, LP 1 7.13% $11,052

    The top Stephenville USDA lender as defined by loan originations is Affiliated Bank, with 1 USDA loans originated. Their average total fees are $8,216, which is $2,143 higher than the next largest lender, GUILD MORTGAGE COMPANY.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Stephenville (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 $199,675 (9.6%) $245,891 (6.1%) 0.00 98
    2018-02-01 $199,075 (4.0%) $242,428 (-2.3%) 0.00 107
    2018-03-01 $215,000 (9.2%) $259,247 (5.2%) 0.00 104
    2018-04-01 $232,750 (16.4%) $270,352 (8.1%) 0.00 95
    2018-05-01 $239,500 (9.4%) $281,799 (10.3%) 0.00 88
    2018-06-01 $241,000 (10.1%) $274,290 (6.8%) 0.00 94
    2018-07-01 $236,500 (0.6%) $265,757 (-2.2%) 0.00 106
    2018-08-01 $202,375 (-11.9%) $245,609 (-6.4%) 0.00 114
    2018-09-01 $229,000 (0.0%) $262,133 (-1.6%) 0.00 102
    2018-10-01 $223,475 (-0.4%) $271,782 (2.7%) 0.00 87
    2018-11-01 $234,000 (7.5%) $272,664 (2.2%) 0.00 88
    2018-12-01 $215,000 (7.6%) $267,946 (4.3%) 0.00 95
    2019-01-01 $227,750 (14.1%) $278,521 (13.3%) 0.00 88
    2019-02-01 $205,875 (3.4%) $263,493 (8.7%) 0.00 85
    2019-03-01 $203,571 (-5.3%) $256,386 (-1.1%) 0.00 89
    2019-04-01 $199,000 (-14.5%) $264,129 (-2.3%) 0.00 93
    2019-05-01 $187,200 (-21.8%) $270,260 (-4.1%) 0.00 95
    2019-06-01 $185,250 (-23.1%) $283,148 (3.2%) 0.00 102
    2019-07-01 $215,475 (-8.9%) $295,060 (11.0%) 0.00 99
    2019-08-01 $237,818 (17.5%) $323,553 (31.7%) 0.00 103
    2019-09-01 $244,670 (6.8%) $310,301 (18.4%) 0.00 109
    2019-10-01 $259,000 (15.9%) $313,218 (15.3%) 0.00 108
    2019-11-01 $276,250 (18.1%) $361,205 (32.5%) 0.00 107
    2019-12-01 $285,750 (32.9%) $374,383 (39.7%) 0.00 93
    2020-01-01 $275,950 (21.2%) $372,781 (33.8%) 0.00 83
    2020-02-01 $294,700 (43.2%) $375,568 (42.5%) 0.00 85
    2020-03-01 $274,000 (34.6%) $370,311 (44.4%) 0.00 94
    2020-04-01 $257,000 (29.2%) $359,258 (36.0%) 0.00 92
    2020-05-01 $249,900 (33.5%) $317,531 (17.5%) 0.00 92
    2020-06-01 $249,675 (34.8%) $315,679 (11.5%) 0.00 89
    2020-07-01 $246,625 (14.5%) $299,202 (1.4%) 0.00 95
    2020-08-01 $242,475 (2.0%) $302,973 (-6.4%) 0.00 104
    2020-09-01 $238,750 (-2.4%) $315,506 (1.7%) 0.00 102
    2020-10-01 $234,500 (-9.5%) $319,276 (1.9%) 0.00 90
    2020-11-01 $235,000 (-14.9%) $343,937 (-4.8%) 0.00 84
    2020-12-01 $241,625 (-15.4%) $385,411 (3.0%) 0.00 76
    2021-01-01 $238,500 (-13.6%) $388,352 (4.2%) 0.00 55
    2021-02-01 $277,200 (-5.9%) $399,595 (6.4%) 0.00 45
    2021-03-01 $273,225 (-0.3%) $402,563 (8.7%) 0.00 30
    2021-04-01 $287,000 (11.7%) $419,424 (16.8%) 0.00 36
    2021-05-01 $252,500 (1.0%) $402,504 (26.8%) 0.00 40
    2021-06-01 $246,125 (-1.4%) $373,044 (18.2%) 0.00 56
    2021-07-01 $243,450 (-1.3%) $374,894 (25.3%) 0.00 67
    2021-08-01 $270,000 (11.4%) $416,567 (37.5%) 0.00 69
    2021-09-01 $296,875 (24.4%) $441,207 (39.8%) 0.00 79
    2021-10-01 $304,950 (30.0%) $436,214 (36.6%) 0.00 72
    2021-11-01 $285,500 (21.5%) $445,276 (29.5%) 0.00 67
    2021-12-01 $289,700 (19.9%) $461,439 (19.7%) 0.00 52
    2022-01-01 $275,000 (15.3%) $449,438 (15.7%) 0.00 46
    2022-02-01 $284,700 (2.7%) $438,511 (9.7%) 0.00 43
    2022-03-01 $375,975 (37.6%) $649,664 (61.4%) 0.00 37
    2022-04-01 $394,450 (37.4%) $656,162 (56.4%) 0.00 52
    2022-05-01 $402,425 (59.4%) $667,403 (65.8%) 0.00 70
    2022-06-01 $406,175 (65.0%) $663,588 (77.9%) 0.00 92
    2022-07-01 $464,950 (91.0%) $647,240 (72.7%) 0.00 108
    2022-08-01 $493,750 (82.9%) $661,067 (58.7%) 0.00 120
    2022-09-01 $494,750 (66.7%) $652,194 (47.8%) 0.00 113
    2022-10-01 $444,500 (45.8%) $603,676 (38.4%) 0.00 121
    2022-11-01 $403,500 (41.3%) $575,561 (29.3%) 0.00 123
    2022-12-01 $398,000 (37.4%) $578,572 (25.4%) 0.00 125
    2023-01-01 $410,000 (49.1%) $608,685 (35.4%) 0.00 109
    2023-02-01 $478,500 (68.1%) $603,472 (37.6%) 0.00 112
    2023-03-01 $491,175 (30.6%) $619,148 (-4.7%) 0.00 112
    2023-04-01 $499,000 (26.5%) $662,742 (1.0%) 0.00 113
    2023-05-01 $504,850 (25.5%) $716,601 (7.4%) 0.00 111
    2023-06-01 $507,975 (25.1%) $728,739 (9.8%) 0.00 119
    2023-07-01 $499,000 (7.3%) $726,230 (12.2%) 0.00 131
    2023-08-01 $487,222 (-1.3%) $758,755 (14.8%) 0.00 149
    2023-09-01 $488,450 (-1.3%) $744,028 (14.1%) 0.00 158
    2023-10-01 $472,000 (6.2%) $689,448 (14.2%) 0.00 180
    2023-11-01 $470,375 (16.6%) $717,598 (24.7%) 0.00 171
    2023-12-01 $471,750 (18.5%) $732,603 (26.6%) 0.00 150
    2024-01-01 $435,125 (6.1%) $747,242 (22.8%) 0.00 137
    2024-02-01 $440,625 (-7.9%) $776,498 (28.7%) 0.00 131
    2024-03-01 $474,750 (-3.3%) $784,691 (26.7%) 0.00 140
    Stephenville's median listing price for 2024-03-01 was $474,750, a difference of $-16,425 (-3.3%) versus the prior year and $34,125 versus the prior month.

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

    Stephenville's average listing price for 2024-03-01 was $784,691, a difference of $165,543 (26.7%) versus the prior year and $8,193 versus the prior month.

    For the 2024-03-01 period, Stephenville had 140 MLS listings, a difference of 9 listings (7%) versus the prior month and 28 listings (25%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Stephenville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,774 sqft
    2018-02-01 0 days 1,775 sqft
    2018-03-01 0 days 1,892 sqft
    2018-04-01 0 days 1,953 sqft
    2018-05-01 0 days 1,949 sqft
    2018-06-01 0 days 1,993 sqft
    2018-07-01 0 days 1,974 sqft
    2018-08-01 0 days 1,930 sqft
    2018-09-01 0 days 1,931 sqft
    2018-10-01 0 days 1,935 sqft
    2018-11-01 0 days 1,898 sqft
    2018-12-01 0 days 1,950 sqft
    2019-01-01 0 days 2,030 sqft
    2019-02-01 0 days 1,927 sqft
    2019-03-01 0 days 1,865 sqft
    2019-04-01 0 days 1,801 sqft
    2019-05-01 0 days 1,792 sqft
    2019-06-01 0 days 1,904 sqft
    2019-07-01 0 days 1,971 sqft
    2019-08-01 0 days 2,025 sqft
    2019-09-01 0 days 2,070 sqft
    2019-10-01 0 days 2,123 sqft
    2019-11-01 0 days 2,135 sqft
    2019-12-01 0 days 2,068 sqft
    2020-01-01 0 days 2,043 sqft
    2020-02-01 0 days 2,122 sqft
    2020-03-01 0 days 2,091 sqft
    2020-04-01 0 days 2,072 sqft
    2020-05-01 0 days 2,096 sqft
    2020-06-01 0 days 2,168 sqft
    2020-07-01 0 days 2,130 sqft
    2020-08-01 0 days 2,000 sqft
    2020-09-01 0 days 1,982 sqft
    2020-10-01 0 days 1,951 sqft
    2020-11-01 0 days 2,017 sqft
    2020-12-01 0 days 2,039 sqft
    2021-01-01 0 days 1,959 sqft
    2021-02-01 0 days 1,971 sqft
    2021-03-01 0 days 1,952 sqft
    2021-04-01 0 days 1,905 sqft
    2021-05-01 0 days 1,812 sqft
    2021-06-01 0 days 1,795 sqft
    2021-07-01 0 days 1,720 sqft
    2021-08-01 0 days 1,813 sqft
    2021-09-01 0 days 1,962 sqft
    2021-10-01 0 days 1,927 sqft
    2021-11-01 0 days 1,799 sqft
    2021-12-01 0 days 1,716 sqft
    2022-01-01 0 days 1,796 sqft
    2022-02-01 0 days 1,806 sqft
    2022-03-01 0 days 1,927 sqft
    2022-04-01 0 days 1,925 sqft
    2022-05-01 0 days 1,938 sqft
    2022-06-01 0 days 1,916 sqft
    2022-07-01 0 days 1,904 sqft
    2022-08-01 0 days 1,962 sqft
    2022-09-01 0 days 1,900 sqft
    2022-10-01 0 days 1,861 sqft
    2022-11-01 0 days 1,860 sqft
    2022-12-01 0 days 1,896 sqft
    2023-01-01 0 days 1,907 sqft
    2023-02-01 0 days 1,911 sqft
    2023-03-01 0 days 2,030 sqft
    2023-04-01 0 days 2,052 sqft
    2023-05-01 0 days 2,088 sqft
    2023-06-01 0 days 2,080 sqft
    2023-07-01 0 days 2,070 sqft
    2023-08-01 0 days 2,055 sqft
    2023-09-01 0 days 2,048 sqft
    2023-10-01 0 days 2,018 sqft
    2023-11-01 0 days 2,000 sqft
    2023-12-01 0 days 2,004 sqft
    2024-01-01 0 days 1,954 sqft
    2024-02-01 0 days 1,942 sqft
    2024-03-01 0 days 2,000 sqft
    Stephenville's median listing age (time on market) for 2024-03-01 was 0 days.

    Stephenville's median square footage for active listings during the 2024-03-01 period was 2,000 sqft. One year prior, the average listing was 2,030 sqft.