Sweetwater USDA Loan Rates, Closing Costs & Stats

Sweetwater, 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.

    Sweetwater USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Sweetwater averaged 7.52% for the week of 2026-10-09, compared to the national average (all USDA variants) of 7.147% for the same period.

    Sweetwater's average USDA mortgage closing costs are $5,238.

    The average rate for the prior week (2026-10-02) was 7.42% and one month ago for the week of 2026-09-04, the average rate was 7.12%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2026-10-09, the average rate was 7.05%.

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

    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 2024 Avg. 30yFix Rate 2024 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 (-4.6%) $167,390 (14.3%) 0.00 60
    2018-05-01 $113,375 (13.9%) $181,500 (31.0%) 0.00 69
    2018-06-01 $96,500 (-15.8%) $180,730 (34.2%) 0.00 70
    2018-07-01 $118,200 (-5.4%) $183,825 (28.1%) 0.00 69
    2018-08-01 $115,925 (-10.5%) $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 $137,450 (4.1%) $210,487 (-1.6%) 0.00 77
    2024-06-01 $151,000 (15.7%) $209,014 (-5.7%) 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 $167,463 (12.4%) $224,324 (-6.7%) 0.00 80
    2024-10-01 $152,725 (0.6%) $238,619 (2.2%) 0.00 89
    2024-11-01 $145,000 (-10.8%) $236,585 (-2.9%) 0.00 97
    2024-12-01 $155,000 (-0.8%) $253,247 (3.6%) 0.00 96
    2025-01-01 $155,755 (11.9%) $237,524 (11.3%) 0.00 94
    2025-02-01 $171,250 (26.6%) $226,510 (18.3%) 0.00 84
    2025-03-01 $175,000 (16.7%) $243,897 (19.0%) 0.00 76
    2025-04-01 $174,925 (22.8%) $225,346 (2.8%) 0.00 72
    2025-05-01 $159,900 (16.3%) $211,768 (0.6%) 0.00 72
    2025-06-01 $163,725 (8.4%) $208,575 (-0.2%) 0.00 77
    2025-07-01 $163,725 (4.0%) $212,261 (6.3%) 0.00 82
    2025-08-01 $162,000 (-7.1%) $215,658 (5.6%) 0.00 87
    2025-09-01 $165,000 (-1.5%) $213,758 (-4.7%) 0.00 81
    2025-10-01 $174,950 (14.6%) $227,258 (-4.8%) 0.00 70
    2025-11-01 $163,500 (12.8%) $214,413 (-9.4%) 0.00 73
    2025-12-01 $159,900 (3.2%) $207,761 (-18.0%) 0.00 77
    2026-01-01 $160,000 (2.7%) $206,597 (-13.0%) 0.00 81
    2026-02-01 $154,975 (-9.5%) $207,932 (-8.2%) 0.00 81
    2026-03-01 $147,425 (-15.8%) $215,786 (-11.5%) 0.00 82
    2026-04-01 $143,450 (-18.0%) $217,601 (-3.4%) 0.00 80
    2026-05-01 $149,900 (-6.3%) $211,359 (-0.2%) 0.00 77
    2026-06-01 $151,175 (-7.7%) $206,887 (-0.8%) 0.00 76
    2026-07-01 $190,500 (16.4%) $209,618 (-1.3%) 0.00 83
    2026-08-01 $172,450 (6.5%) $212,573 (-1.4%) 0.00 82
    2026-09-01 $189,000 (14.6%) $230,836 (8.0%) 0.00 78
    Sweetwater's median listing price for 2026-09-01 was $189,000, a difference of $24,000 (14.6%) versus the prior year and $16,550 versus the prior month.

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

    Sweetwater's average listing price for 2026-09-01 was $230,836, a difference of $17,078 (8.0%) versus the prior year and $18,263 versus the prior month.

    For the 2026-09-01 period, Sweetwater had 78 MLS listings, a difference of -4 listings (-5%) versus the prior month and -3 listings (-4%) 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 1,710 sqft
    2018-09-01 0 days 1,723 sqft
    2018-10-01 0 days 1,734 sqft
    2018-11-01 0 days 1,756 sqft
    2018-12-01 0 days 1,757 sqft
    2019-01-01 0 days 1,793 sqft
    2019-02-01 0 days 1,791 sqft
    2019-03-01 0 days 1,798 sqft
    2019-04-01 0 days 1,804 sqft
    2019-05-01 0 days 1,826 sqft
    2019-06-01 0 days 1,867 sqft
    2019-07-01 0 days 1,960 sqft
    2019-08-01 0 days 1,896 sqft
    2019-09-01 0 days 1,853 sqft
    2019-10-01 0 days 1,807 sqft
    2019-11-01 0 days 1,804 sqft
    2019-12-01 0 days 1,820 sqft
    2020-01-01 0 days 1,805 sqft
    2020-02-01 0 days 1,800 sqft
    2020-03-01 0 days 1,884 sqft
    2020-04-01 0 days 2,062 sqft
    2020-05-01 0 days 2,103 sqft
    2020-06-01 0 days 2,377 sqft
    2020-07-01 0 days 2,293 sqft
    2020-08-01 0 days 2,323 sqft
    2020-09-01 0 days 2,396 sqft
    2020-10-01 0 days 2,387 sqft
    2020-11-01 0 days 2,364 sqft
    2020-12-01 0 days 2,260 sqft
    2021-01-01 0 days 2,319 sqft
    2021-02-01 0 days 2,034 sqft
    2021-03-01 0 days 1,799 sqft
    2021-04-01 0 days 1,883 sqft
    2021-05-01 0 days 1,672 sqft
    2021-06-01 0 days 1,665 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 1,733 sqft
    2024-03-01 0 days 1,816 sqft
    2024-04-01 0 days 1,838 sqft
    2024-05-01 0 days 1,869 sqft
    2024-06-01 0 days 1,849 sqft
    2024-07-01 0 days 1,798 sqft
    2024-08-01 0 days 1,776 sqft
    2024-09-01 0 days 1,798 sqft
    2024-10-01 0 days 1,794 sqft
    2024-11-01 0 days 1,792 sqft
    2024-12-01 0 days 1,784 sqft
    2025-01-01 0 days 1,781 sqft
    2025-02-01 0 days 1,797 sqft
    2025-03-01 0 days 1,815 sqft
    2025-04-01 0 days 1,791 sqft
    2025-05-01 0 days 1,775 sqft
    2025-06-01 0 days 1,784 sqft
    2025-07-01 0 days 1,757 sqft
    2025-08-01 0 days 1,672 sqft
    2025-09-01 0 days 1,677 sqft
    2025-10-01 0 days 1,718 sqft
    2025-11-01 0 days 1,667 sqft
    2025-12-01 0 days 1,660 sqft
    2026-01-01 0 days 1,667 sqft
    2026-02-01 0 days 1,669 sqft
    2026-03-01 0 days 1,675 sqft
    2026-04-01 0 days 1,704 sqft
    2026-05-01 0 days 1,734 sqft
    2026-06-01 0 days 1,745 sqft
    2026-07-01 0 days 1,744 sqft
    2026-08-01 0 days 1,722 sqft
    2026-09-01 0 days 1,729 sqft
    Sweetwater's median listing age (time on market) for 2026-09-01 was 0 days.

    Sweetwater's median square footage for active listings during the 2026-09-01 period was 1,729 sqft. One year prior, the average listing was 1,677 sqft.