Tucson USDA Loan Rates, Closing Costs & Stats

TUCSON, AZ

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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.

    Tucson's 8 lenders originated 11 USDA loans during 2024. The total origination value was $3,085,000, with an average USDA loan value of $280,455.

    Tucson USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Tucson averaged 6.42% for the week of 2025-04-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Tucson's average USDA mortgage closing costs are $5,546.

    The average rate for the prior week (2025-04-04) was 6.08% and one month ago for the week of 2025-03-07, the average rate was 6.35%.

    The average rate one year ago was 6.6%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.15%.

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

    Tucson 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 Tucson level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 2 6.63% $6,829
    LOANDEPOT.COM, LLC 2 5.37% $13,738
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $6,159
    EAGLE HOME MORTGAGE, LLC 1 4.38% $9,295
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 5.99% $4,636
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.50% $12,177
    V.I.P. MORTGAGE, INC. 1 6.38% $8,362
    BROKER SOLUTIONS, INC. 1 5.75% $8,899

    The top Tucson USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 2 USDA loans originated. Their average total fees are $6,829, which is $6,909 lower than the next largest lender, LOANDEPOT.COM, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Tucson (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 $266,950 (7.0%) $381,596 (5.7%) 0.99 3,610
    2018-02-01 $274,246 (7.0%) $388,338 (4.1%) 1.00 3,499
    2018-03-01 $274,900 (4.1%) $388,216 (2.8%) 0.96 3,449
    2018-04-01 $279,925 (5.9%) $394,203 (4.8%) 0.95 3,276
    2018-05-01 $282,400 (8.7%) $397,709 (5.9%) 0.94 3,219
    2018-06-01 $278,000 (5.5%) $391,960 (4.2%) 0.93 3,121
    2018-07-01 $279,808 (8.5%) $385,922 (5.1%) 0.93 3,089
    2018-08-01 $279,948 (9.8%) $384,745 (6.1%) 0.94 3,044
    2018-09-01 $279,900 (9.2%) $384,625 (5.9%) 0.94 3,102
    2018-10-01 $277,450 (7.0%) $383,700 (4.3%) 0.94 3,358
    2018-11-01 $279,313 (6.7%) $382,574 (1.7%) 0.95 3,480
    2018-12-01 $278,000 (6.9%) $388,460 (2.8%) 0.96 3,440
    2019-01-01 $279,500 (4.7%) $394,391 (3.4%) 0.97 3,367
    2019-02-01 $285,750 (4.2%) $403,772 (4.0%) 0.97 3,416
    2019-03-01 $293,857 (6.9%) $416,220 (7.2%) 0.96 3,288
    2019-04-01 $298,581 (6.7%) $421,878 (7.0%) 0.95 3,201
    2019-05-01 $298,641 (5.8%) $422,167 (6.2%) 0.93 3,040
    2019-06-01 $294,500 (5.9%) $413,490 (5.5%) 0.92 2,886
    2019-07-01 $287,995 (2.9%) $406,364 (5.3%) 0.90 2,793
    2019-08-01 $289,273 (3.3%) $412,402 (7.2%) 0.92 2,717
    2019-09-01 $289,682 (3.5%) $417,264 (8.5%) 0.93 2,739
    2019-10-01 $289,955 (4.5%) $419,182 (9.3%) 0.94 2,783
    2019-11-01 $286,989 (2.8%) $415,873 (8.7%) 0.94 2,814
    2019-12-01 $285,500 (2.7%) $413,647 (6.5%) 0.95 2,672
    2020-01-01 $287,500 (2.9%) $414,853 (5.2%) 0.96 2,501
    2020-02-01 $297,830 (4.2%) $429,226 (6.3%) 0.97 2,448
    2020-03-01 $299,675 (2.0%) $431,529 (3.7%) 0.94 2,404
    2020-04-01 $296,963 (-0.5%) $413,561 (-2.0%) 0.93 2,642
    2020-05-01 $300,000 (0.5%) $425,640 (0.8%) 0.91 2,336
    2020-06-01 $321,950 (9.3%) $456,526 (10.4%) 0.95 1,772
    2020-07-01 $325,000 (12.9%) $453,254 (11.5%) 0.94 1,549
    2020-08-01 $323,270 (11.8%) $459,454 (11.4%) 0.93 1,521
    2020-09-01 $316,332 (9.2%) $465,601 (11.6%) 0.91 1,532
    2020-10-01 $310,000 (6.9%) $459,550 (9.6%) 0.89 1,641
    2020-11-01 $313,439 (9.2%) $470,630 (13.2%) 0.92 1,553
    2020-12-01 $315,000 (10.3%) $472,568 (14.2%) 0.94 1,367
    2021-01-01 $320,000 (11.3%) $494,616 (19.2%) 0.96 1,169
    2021-02-01 $325,000 (9.1%) $515,239 (20.0%) 0.95 939
    2021-03-01 $335,000 (11.8%) $527,242 (22.2%) 0.95 878
    2021-04-01 $342,000 (15.2%) $528,171 (27.7%) 0.93 893
    2021-05-01 $344,000 (14.7%) $520,864 (22.4%) 0.91 933
    2021-06-01 $350,000 (8.7%) $521,079 (14.1%) 0.92 992
    2021-07-01 $350,000 (7.7%) $489,786 (8.1%) 0.92 1,180
    2021-08-01 $359,950 (11.4%) $483,633 (5.3%) 0.96 1,327
    2021-09-01 $359,950 (13.8%) $484,303 (4.0%) 0.96 1,496
    2021-10-01 $359,000 (15.8%) $479,379 (4.3%) 0.96 1,696
    2021-11-01 $359,950 (14.8%) $483,398 (2.7%) 0.96 1,673
    2021-12-01 $361,950 (14.9%) $480,526 (1.7%) 0.98 1,520
    2022-01-01 $364,995 (14.1%) $501,091 (1.3%) 0.99 1,361
    2022-02-01 $375,505 (15.5%) $538,390 (4.5%) 0.98 1,082
    2022-03-01 $388,494 (16.0%) $562,127 (6.6%) 0.97 997
    2022-04-01 $399,500 (16.8%) $566,437 (7.2%) 0.95 1,028
    2022-05-01 $407,000 (18.3%) $580,717 (11.5%) 0.93 1,202
    2022-06-01 $409,950 (17.1%) $567,716 (9.0%) 0.91 1,511
    2022-07-01 $399,990 (14.3%) $540,951 (10.5%) 0.90 1,944
    2022-08-01 $391,199 (8.7%) $519,248 (7.4%) 0.90 2,162
    2022-09-01 $384,123 (6.7%) $507,255 (4.7%) 0.90 2,362
    2022-10-01 $379,000 (5.6%) $505,478 (5.4%) 0.89 2,637
    2022-11-01 $375,000 (4.2%) $510,324 (5.6%) 0.90 2,782
    2022-12-01 $375,000 (3.6%) $508,106 (5.7%) 0.93 2,596
    2023-01-01 $377,000 (3.3%) $524,574 (4.7%) 0.93 2,370
    2023-02-01 $389,000 (3.6%) $547,620 (1.7%) 0.94 2,121
    2023-03-01 $399,950 (3.0%) $565,451 (0.6%) 0.94 1,953
    2023-04-01 $403,675 (1.1%) $582,574 (2.9%) 0.94 1,692
    2023-05-01 $414,350 (1.8%) $595,129 (2.5%) 0.94 1,608
    2023-06-01 $414,997 (1.2%) $588,646 (3.7%) 0.93 1,609
    2023-07-01 $410,000 (2.5%) $583,215 (7.8%) 0.93 1,622
    2023-08-01 $406,025 (3.8%) $575,012 (10.7%) 0.93 1,630
    2023-09-01 $399,900 (4.1%) $570,632 (12.5%) 0.93 1,757
    2023-10-01 $399,000 (5.3%) $552,351 (9.3%) 0.94 2,083
    2023-11-01 $399,900 (6.6%) $555,334 (8.8%) 0.95 2,309
    2023-12-01 $398,900 (6.4%) $548,714 (8.0%) 0.97 2,347
    2024-01-01 $399,000 (5.8%) $556,034 (6.0%) 0.97 2,375
    2024-02-01 $400,000 (2.8%) $570,948 (4.3%) 0.96 2,399
    2024-03-01 $402,700 (0.7%) $568,129 (0.5%) 0.95 2,420
    2024-04-01 $409,299 (1.4%) $572,034 (-1.8%) 0.95 2,491
    2024-05-01 $402,423 (-2.9%) $573,274 (-3.7%) 0.92 2,632
    2024-06-01 $399,000 (-3.9%) $553,625 (-6.0%) 0.91 2,666
    2024-07-01 $395,000 (-3.7%) $534,184 (-8.4%) 0.90 2,751
    2024-08-01 $390,000 (-4.0%) $526,621 (-8.4%) 0.91 2,776
    2024-09-01 $390,000 (-2.5%) $533,285 (-6.5%) 0.92 3,070
    2024-10-01 $395,000 (-1.0%) $536,185 (-2.9%) 0.93 3,274
    2024-11-01 $390,000 (-2.5%) $538,364 (-3.1%) 0.94 3,526
    2024-12-01 $387,825 (-2.8%) $536,660 (-2.2%) 0.96 3,354
    2025-01-01 $391,255 (-1.9%) $543,906 (-2.2%) 0.98 3,445
    2025-02-01 $396,200 (-1.0%) $544,388 (-4.7%) 0.96 3,536
    2025-03-01 $399,000 (-0.9%) $546,330 (-3.8%) 0.00 3,649
    Tucson's median listing price for 2025-03-01 was $399,000, a difference of $-3,700 (-0.9%) versus the prior year and $2,800 versus the prior month.

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

    Tucson's average listing price for 2025-03-01 was $546,330, a difference of $-21,799 (-3.8%) versus the prior year and $1,942 versus the prior month.

    For the 2025-03-01 period, Tucson had 3,649 MLS listings, a difference of 113 listings (3%) versus the prior month and 1,229 listings (51%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Tucson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 64 days 2,003 sqft
    2018-02-01 51 days 2,030 sqft
    2018-03-01 50 days 2,036 sqft
    2018-04-01 50 days 2,051 sqft
    2018-05-01 48 days 2,058 sqft
    2018-06-01 50 days 2,013 sqft
    2018-07-01 53 days 2,027 sqft
    2018-08-01 54 days 2,019 sqft
    2018-09-01 52 days 2,020 sqft
    2018-10-01 50 days 1,988 sqft
    2018-11-01 51 days 1,987 sqft
    2018-12-01 58 days 1,964 sqft
    2019-01-01 63 days 1,994 sqft
    2019-02-01 48 days 2,031 sqft
    2019-03-01 48 days 2,058 sqft
    2019-04-01 51 days 2,063 sqft
    2019-05-01 51 days 2,048 sqft
    2019-06-01 51 days 2,050 sqft
    2019-07-01 50 days 2,020 sqft
    2019-08-01 50 days 2,027 sqft
    2019-09-01 49 days 2,026 sqft
    2019-10-01 49 days 2,024 sqft
    2019-11-01 52 days 1,976 sqft
    2019-12-01 60 days 1,960 sqft
    2020-01-01 59 days 1,981 sqft
    2020-02-01 44 days 1,996 sqft
    2020-03-01 43 days 1,997 sqft
    2020-04-01 44 days 1,958 sqft
    2020-05-01 55 days 1,980 sqft
    2020-06-01 57 days 2,010 sqft
    2020-07-01 53 days 2,008 sqft
    2020-08-01 51 days 1,987 sqft
    2020-09-01 47 days 1,938 sqft
    2020-10-01 48 days 1,905 sqft
    2020-11-01 50 days 1,911 sqft
    2020-12-01 55 days 1,905 sqft
    2021-01-01 52 days 1,912 sqft
    2021-02-01 40 days 1,908 sqft
    2021-03-01 38 days 1,922 sqft
    2021-04-01 35 days 1,872 sqft
    2021-05-01 32 days 1,870 sqft
    2021-06-01 32 days 1,879 sqft
    2021-07-01 30 days 1,844 sqft
    2021-08-01 30 days 1,854 sqft
    2021-09-01 32 days 1,851 sqft
    2021-10-01 33 days 1,844 sqft
    2021-11-01 37 days 1,867 sqft
    2021-12-01 44 days 1,862 sqft
    2022-01-01 44 days 1,861 sqft
    2022-02-01 37 days 1,867 sqft
    2022-03-01 35 days 1,878 sqft
    2022-04-01 32 days 1,883 sqft
    2022-05-01 30 days 1,920 sqft
    2022-06-01 30 days 1,914 sqft
    2022-07-01 32 days 1,873 sqft
    2022-08-01 37 days 1,838 sqft
    2022-09-01 41 days 1,816 sqft
    2022-10-01 44 days 1,812 sqft
    2022-11-01 50 days 1,813 sqft
    2022-12-01 60 days 1,812 sqft
    2023-01-01 61 days 1,822 sqft
    2023-02-01 52 days 1,836 sqft
    2023-03-01 47 days 1,860 sqft
    2023-04-01 47 days 1,904 sqft
    2023-05-01 43 days 1,924 sqft
    2023-06-01 43 days 1,959 sqft
    2023-07-01 43 days 1,944 sqft
    2023-08-01 41 days 1,918 sqft
    2023-09-01 41 days 1,904 sqft
    2023-10-01 39 days 1,868 sqft
    2023-11-01 43 days 1,862 sqft
    2023-12-01 51 days 1,852 sqft
    2024-01-01 54 days 1,847 sqft
    2024-02-01 44 days 1,852 sqft
    2024-03-01 44 days 1,849 sqft
    2024-04-01 45 days 1,852 sqft
    2024-05-01 42 days 1,847 sqft
    2024-06-01 45 days 1,839 sqft
    2024-07-01 49 days 1,816 sqft
    2024-08-01 51 days 1,812 sqft
    2024-09-01 52 days 1,812 sqft
    2024-10-01 51 days 1,812 sqft
    2024-11-01 56 days 1,804 sqft
    2024-12-01 63 days 1,781 sqft
    2025-01-01 64 days 1,778 sqft
    2025-02-01 52 days 1,802 sqft
    2025-03-01 0 days 1,817 sqft
    Tucson's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Tucson's median square footage for active listings during the 2025-03-01 period was 1,817 sqft. One year prior, the average listing was 1,849 sqft.