Stephenville USDA Loan Rates, Closing Costs & Stats
Stephenville, 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.
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
6.42%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Stephenville's average USDA mortgage closing costs are $5,643.
The average rate for the prior week (2024-12-06) was
6.56% and
one month ago for the week of 2024-11-08, the
average rate was 6.47%.
The average rate one year ago was 6.94%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.2%.
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 |
| 2024-04-01 | $475,000 (-4.8%) | $721,061 (8.8%) | 0.00 | 140 |
| 2024-05-01 | $475,000 (-5.9%) | $736,700 (2.8%) | 0.00 | 140 |
| 2024-06-01 | $465,000 (-8.5%) | $679,936 (-6.7%) | 0.00 | 161 |
| 2024-07-01 | $468,000 (-6.2%) | $679,552 (-6.4%) | 0.00 | 168 |
| 2024-08-01 | $449,900 (-7.7%) | $654,946 (-13.7%) | 0.00 | 173 |
| 2024-09-01 | $444,225 (-9.1%) | $661,243 (-11.1%) | 0.00 | 185 |
| 2024-10-01 | $449,000 (-4.9%) | $715,687 (3.8%) | 0.00 | 191 |
| 2024-11-01 | $407,500 (-13.4%) | $670,254 (-6.6%) | 0.00 | 205 |
Stephenville's median listing price comes in at 0% of the national average.
Stephenville's average listing price for 2024-11-01 was $670,254, a difference of $-47,344 (-6.6%) versus the prior year and $-45,433 versus the prior month.
For the 2024-11-01 period, Stephenville had 205 MLS listings, a difference of 14 listings (7%) versus the prior month and 34 listings (20%) 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 |
| 2024-04-01 | 0 days | 1,978 sqft |
| 2024-05-01 | 0 days | 1,970 sqft |
| 2024-06-01 | 0 days | 1,905 sqft |
| 2024-07-01 | 0 days | 1,937 sqft |
| 2024-08-01 | 0 days | 1,917 sqft |
| 2024-09-01 | 0 days | 1,914 sqft |
| 2024-10-01 | 0 days | 1,930 sqft |
| 2024-11-01 | 0 days | 1,922 sqft |
Stephenville's median square footage for active listings during the 2024-11-01 period was 1,922 sqft. One year prior, the average listing was 2,000 sqft.