Sweetwater USDA Loan Rates, Closing Costs & Stats
Sweetwater, 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.
Sweetwater USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Sweetwater
averaged
6.41%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Sweetwater's average USDA mortgage closing costs are $5,238.
The average rate for the prior week (2024-12-06) was
6.55% and
one month ago for the week of 2024-11-08, the
average rate was 6.66%.
The average rate one year ago was 7.13%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.3%.
Sweetwater 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 Sweetwater level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|
The lowest fee Sweetwater USDA lenders (with over 10 loans originated) are
.
The lowest rate Sweetwater USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Sweetwater (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 | $122,250 (7.8%) | $152,034 (2.2%) | 0.00 | 60 |
| 2018-02-01 | $121,250 (10.5%) | $160,913 (9.8%) | 0.00 | 57 |
| 2018-03-01 | $120,000 (9.3%) | $159,393 (10.8%) | 0.00 | 60 |
| 2018-04-01 | $104,950 (-6.5%) | $167,390 (13.1%) | 0.00 | 60 |
| 2018-05-01 | $113,375 (6.0%) | $181,500 (29.3%) | 0.00 | 69 |
| 2018-06-01 | $96,500 (-16.0%) | $180,730 (32.7%) | 0.00 | 70 |
| 2018-07-01 | $118,200 (-6.2%) | $183,825 (27.2%) | 0.00 | 69 |
| 2018-08-01 | $115,925 (-10.8%) | $185,574 (31.3%) | 0.00 | 68 |
| 2018-09-01 | $114,900 (-13.2%) | $192,307 (34.2%) | 0.00 | 68 |
| 2018-10-01 | $116,700 (-10.3%) | $187,545 (27.8%) | 0.00 | 69 |
| 2018-11-01 | $121,225 (-3.9%) | $198,060 (40.3%) | 0.00 | 55 |
| 2018-12-01 | $121,950 (6.1%) | $202,626 (39.6%) | 0.00 | 58 |
| 2019-01-01 | $123,900 (1.4%) | $207,107 (36.2%) | 0.00 | 56 |
| 2019-02-01 | $116,225 (-4.1%) | $191,260 (18.9%) | 0.00 | 56 |
| 2019-03-01 | $116,500 (-2.9%) | $168,734 (5.9%) | 0.00 | 56 |
| 2019-04-01 | $115,625 (10.2%) | $138,848 (-17.1%) | 0.00 | 60 |
| 2019-05-01 | $125,450 (10.7%) | $134,122 (-26.1%) | 0.00 | 59 |
| 2019-06-01 | $134,000 (38.9%) | $146,921 (-18.7%) | 0.00 | 52 |
| 2019-07-01 | $132,750 (12.3%) | $141,177 (-23.2%) | 0.00 | 55 |
| 2019-08-01 | $129,291 (11.5%) | $134,715 (-27.4%) | 0.00 | 55 |
| 2019-09-01 | $125,977 (9.6%) | $129,700 (-32.6%) | 0.00 | 53 |
| 2019-10-01 | $123,768 (6.1%) | $130,703 (-30.3%) | 0.00 | 51 |
| 2019-11-01 | $120,950 (-0.2%) | $129,920 (-34.4%) | 0.00 | 42 |
| 2019-12-01 | $119,775 (-1.8%) | $135,743 (-33.0%) | 0.00 | 39 |
| 2020-01-01 | $120,750 (-2.5%) | $139,867 (-32.5%) | 0.00 | 41 |
| 2020-02-01 | $130,500 (12.3%) | $148,779 (-22.2%) | 0.00 | 39 |
| 2020-03-01 | $132,850 (14.0%) | $306,374 (81.6%) | 0.00 | 40 |
| 2020-04-01 | $141,250 (22.2%) | $307,875 (121.7%) | 0.00 | 39 |
| 2020-05-01 | $148,250 (18.2%) | $348,711 (160.0%) | 0.00 | 34 |
| 2020-06-01 | $155,375 (16.0%) | $360,841 (145.6%) | 0.00 | 33 |
| 2020-07-01 | $147,625 (11.2%) | $369,524 (161.7%) | 0.00 | 33 |
| 2020-08-01 | $137,250 (6.2%) | $327,192 (142.9%) | 0.00 | 39 |
| 2020-09-01 | $136,125 (8.1%) | $338,947 (161.3%) | 0.00 | 38 |
| 2020-10-01 | $139,900 (13.0%) | $342,628 (162.1%) | 0.00 | 39 |
| 2020-11-01 | $149,675 (23.8%) | $362,332 (178.9%) | 0.00 | 36 |
| 2020-12-01 | $146,175 (22.0%) | $367,629 (170.8%) | 0.00 | 34 |
| 2021-01-01 | $144,500 (19.7%) | $378,445 (170.6%) | 0.00 | 32 |
| 2021-02-01 | $148,550 (13.8%) | $194,480 (30.7%) | 0.00 | 30 |
| 2021-03-01 | $119,081 (-10.4%) | $171,328 (-44.1%) | 0.00 | 26 |
| 2021-04-01 | $133,175 (-5.7%) | $187,277 (-39.2%) | 0.00 | 24 |
| 2021-05-01 | $129,900 (-12.4%) | $153,660 (-55.9%) | 0.00 | 31 |
| 2021-06-01 | $127,325 (-18.1%) | $150,372 (-58.3%) | 0.00 | 31 |
| 2021-07-01 | $149,900 (1.5%) | $164,788 (-55.4%) | 0.00 | 25 |
| 2021-08-01 | $149,975 (9.3%) | $177,085 (-45.9%) | 0.00 | 31 |
| 2021-09-01 | $155,000 (13.9%) | $176,012 (-48.1%) | 0.00 | 34 |
| 2021-10-01 | $161,450 (15.4%) | $169,680 (-50.5%) | 0.00 | 32 |
| 2021-11-01 | $140,500 (-6.1%) | $150,227 (-58.5%) | 0.00 | 26 |
| 2021-12-01 | $141,500 (-3.2%) | $149,442 (-59.4%) | 0.00 | 29 |
| 2022-01-01 | $136,250 (-5.7%) | $153,533 (-59.4%) | 0.00 | 28 |
| 2022-02-01 | $132,625 (-10.7%) | $180,217 (-7.3%) | 0.00 | 29 |
| 2022-03-01 | $125,100 (5.1%) | $178,060 (3.9%) | 0.00 | 31 |
| 2022-04-01 | $115,750 (-13.1%) | $247,750 (32.3%) | 0.00 | 31 |
| 2022-05-01 | $126,850 (-2.4%) | $249,069 (62.1%) | 0.00 | 33 |
| 2022-06-01 | $162,850 (27.9%) | $249,754 (66.1%) | 0.00 | 39 |
| 2022-07-01 | $111,950 (-25.3%) | $219,227 (33.0%) | 0.00 | 48 |
| 2022-08-01 | $166,624 (11.1%) | $217,017 (22.6%) | 0.00 | 48 |
| 2022-09-01 | $157,000 (1.3%) | $219,083 (24.5%) | 0.00 | 49 |
| 2022-10-01 | $152,450 (-5.6%) | $209,073 (23.2%) | 0.00 | 48 |
| 2022-11-01 | $135,750 (-3.4%) | $199,337 (32.7%) | 0.00 | 52 |
| 2022-12-01 | $149,900 (5.9%) | $202,701 (35.6%) | 0.00 | 53 |
| 2023-01-01 | $147,750 (8.4%) | $205,257 (33.7%) | 0.00 | 44 |
| 2023-02-01 | $141,500 (6.7%) | $224,332 (24.5%) | 0.00 | 48 |
| 2023-03-01 | $141,725 (13.3%) | $242,037 (35.9%) | 0.00 | 45 |
| 2023-04-01 | $115,000 (-0.7%) | $219,844 (-11.3%) | 0.00 | 47 |
| 2023-05-01 | $132,000 (4.1%) | $213,885 (-14.1%) | 0.00 | 52 |
| 2023-06-01 | $130,500 (-19.9%) | $221,539 (-11.3%) | 0.00 | 55 |
| 2023-07-01 | $125,000 (11.7%) | $219,067 (-0.1%) | 0.00 | 49 |
| 2023-08-01 | $149,700 (-10.2%) | $237,964 (9.7%) | 0.00 | 60 |
| 2023-09-01 | $149,000 (-5.1%) | $240,500 (9.8%) | 0.00 | 64 |
| 2023-10-01 | $151,750 (-0.5%) | $233,589 (11.7%) | 0.00 | 69 |
| 2023-11-01 | $162,500 (19.7%) | $243,679 (22.3%) | 0.00 | 69 |
| 2023-12-01 | $156,250 (4.2%) | $244,497 (20.6%) | 0.00 | 72 |
| 2024-01-01 | $139,250 (-5.8%) | $213,359 (4.0%) | 0.00 | 73 |
| 2024-02-01 | $135,225 (-4.4%) | $191,517 (-14.6%) | 0.00 | 72 |
| 2024-03-01 | $149,999 (5.8%) | $204,983 (-15.3%) | 0.00 | 71 |
| 2024-04-01 | $142,450 (23.9%) | $219,153 (-0.3%) | 0.00 | 76 |
| 2024-05-01 | $137,425 (4.1%) | $210,487 (-1.6%) | 0.00 | 77 |
| 2024-06-01 | $150,000 (14.9%) | $201,722 (-9.0%) | 0.00 | 76 |
| 2024-07-01 | $157,475 (26.0%) | $199,650 (-8.9%) | 0.00 | 83 |
| 2024-08-01 | $174,450 (16.5%) | $204,222 (-14.2%) | 0.00 | 79 |
| 2024-09-01 | $164,950 (10.7%) | $215,267 (-10.5%) | 0.00 | 80 |
| 2024-10-01 | $152,750 (0.7%) | $240,362 (2.9%) | 0.00 | 87 |
| 2024-11-01 | $145,000 (-10.8%) | $236,585 (-2.9%) | 0.00 | 97 |
Sweetwater's median listing price comes in at 0% of the national average.
Sweetwater's average listing price for 2024-11-01 was $236,585, a difference of $-7,094 (-2.9%) versus the prior year and $-3,777 versus the prior month.
For the 2024-11-01 period, Sweetwater had 97 MLS listings, a difference of 10 listings (11%) versus the prior month and 28 listings (41%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Sweetwater (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,892 sqft |
| 2018-02-01 | 0 days | 1,784 sqft |
| 2018-03-01 | 0 days | 1,775 sqft |
| 2018-04-01 | 0 days | 1,723 sqft |
| 2018-05-01 | 0 days | 1,752 sqft |
| 2018-06-01 | 0 days | 1,716 sqft |
| 2018-07-01 | 0 days | 1,686 sqft |
| 2018-08-01 | 0 days | 1,704 sqft |
| 2018-09-01 | 0 days | 1,715 sqft |
| 2018-10-01 | 0 days | 1,732 sqft |
| 2018-11-01 | 0 days | 1,727 sqft |
| 2018-12-01 | 0 days | 1,732 sqft |
| 2019-01-01 | 0 days | 1,762 sqft |
| 2019-02-01 | 0 days | 1,762 sqft |
| 2019-03-01 | 0 days | 1,776 sqft |
| 2019-04-01 | 0 days | 1,788 sqft |
| 2019-05-01 | 0 days | 1,820 sqft |
| 2019-06-01 | 0 days | 1,855 sqft |
| 2019-07-01 | 0 days | 1,937 sqft |
| 2019-08-01 | 0 days | 1,879 sqft |
| 2019-09-01 | 0 days | 1,840 sqft |
| 2019-10-01 | 0 days | 1,799 sqft |
| 2019-11-01 | 0 days | 1,800 sqft |
| 2019-12-01 | 0 days | 1,812 sqft |
| 2020-01-01 | 0 days | 1,797 sqft |
| 2020-02-01 | 0 days | 1,788 sqft |
| 2020-03-01 | 0 days | 1,860 sqft |
| 2020-04-01 | 0 days | 2,047 sqft |
| 2020-05-01 | 0 days | 2,078 sqft |
| 2020-06-01 | 0 days | 2,317 sqft |
| 2020-07-01 | 0 days | 2,289 sqft |
| 2020-08-01 | 0 days | 2,295 sqft |
| 2020-09-01 | 0 days | 2,377 sqft |
| 2020-10-01 | 0 days | 2,368 sqft |
| 2020-11-01 | 0 days | 2,355 sqft |
| 2020-12-01 | 0 days | 2,185 sqft |
| 2021-01-01 | 0 days | 2,287 sqft |
| 2021-02-01 | 0 days | 1,997 sqft |
| 2021-03-01 | 0 days | 1,693 sqft |
| 2021-04-01 | 0 days | 1,853 sqft |
| 2021-05-01 | 0 days | 1,667 sqft |
| 2021-06-01 | 0 days | 1,662 sqft |
| 2021-07-01 | 0 days | 1,822 sqft |
| 2021-08-01 | 0 days | 1,899 sqft |
| 2021-09-01 | 0 days | 1,859 sqft |
| 2021-10-01 | 0 days | 1,845 sqft |
| 2021-11-01 | 0 days | 1,902 sqft |
| 2021-12-01 | 0 days | 1,920 sqft |
| 2022-01-01 | 0 days | 1,913 sqft |
| 2022-02-01 | 0 days | 1,902 sqft |
| 2022-03-01 | 0 days | 1,815 sqft |
| 2022-04-01 | 0 days | 1,513 sqft |
| 2022-05-01 | 0 days | 1,630 sqft |
| 2022-06-01 | 0 days | 1,593 sqft |
| 2022-07-01 | 0 days | 1,520 sqft |
| 2022-08-01 | 0 days | 1,614 sqft |
| 2022-09-01 | 0 days | 1,639 sqft |
| 2022-10-01 | 0 days | 1,644 sqft |
| 2022-11-01 | 0 days | 1,654 sqft |
| 2022-12-01 | 0 days | 1,716 sqft |
| 2023-01-01 | 0 days | 1,654 sqft |
| 2023-02-01 | 0 days | 1,613 sqft |
| 2023-03-01 | 0 days | 1,532 sqft |
| 2023-04-01 | 0 days | 1,508 sqft |
| 2023-05-01 | 0 days | 1,404 sqft |
| 2023-06-01 | 0 days | 1,613 sqft |
| 2023-07-01 | 0 days | 1,659 sqft |
| 2023-08-01 | 0 days | 1,652 sqft |
| 2023-09-01 | 0 days | 1,673 sqft |
| 2023-10-01 | 0 days | 1,784 sqft |
| 2023-11-01 | 0 days | 1,893 sqft |
| 2023-12-01 | 0 days | 1,966 sqft |
| 2024-01-01 | 0 days | 1,733 sqft |
| 2024-02-01 | 0 days | 1,761 sqft |
| 2024-03-01 | 0 days | 1,833 sqft |
| 2024-04-01 | 0 days | 1,869 sqft |
| 2024-05-01 | 0 days | 1,909 sqft |
| 2024-06-01 | 0 days | 1,849 sqft |
| 2024-07-01 | 0 days | 1,800 sqft |
| 2024-08-01 | 0 days | 1,790 sqft |
| 2024-09-01 | 0 days | 1,798 sqft |
| 2024-10-01 | 0 days | 1,791 sqft |
| 2024-11-01 | 0 days | 1,796 sqft |
Sweetwater's median square footage for active listings during the 2024-11-01 period was 1,796 sqft. One year prior, the average listing was 1,893 sqft.