Tyler USDA Loan Rates, Closing Costs & Stats

TYLER, 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.

    Tyler's 11 lenders originated 15 USDA loans during 2024. The total origination value was $3,585,000, with an average USDA loan value of $239,000.

    Tyler USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Tyler averaged 6.55% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Tyler's average USDA mortgage closing costs are $6,037.

    The average rate for the prior week (2025-03-28) was 6.52% and one month ago for the week of 2025-02-28, the average rate was 6.87%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.37%.

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

    Tyler 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 Tyler level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 3 6.21% $7,845
    HALLMARK HOME MORTGAGE, LLC 2 5.75% $7,751
    Equity Prime Mortgage LLC 1 5.88% $17,065
    GUARANTEED RATE, INC. 1 6.08% $10,426
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.87% $10,087
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.00% $5,248
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.25% $10,356
    Prosperity Home Mortgage, LLC 1 7.13% $7,953
    AMERICAN FINANCIAL NETWORK, INC. 1 6.00% $15,487
    S1L, Inc. 1 6.38% $9,345
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $7,086

    The top Tyler USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 3 USDA loans originated. Their average total fees are $7,845, which is $94 higher than the next largest lender, HALLMARK HOME MORTGAGE, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Tyler (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 $265,675 (9.6%) $391,658 (21.8%) 0.98 871
    2018-02-01 $268,250 (10.4%) $389,045 (20.4%) 0.97 887
    2018-03-01 $278,000 (11.7%) $395,833 (21.4%) 0.98 893
    2018-04-01 $282,481 (8.7%) $400,944 (18.1%) 0.96 913
    2018-05-01 $285,495 (9.0%) $401,777 (17.1%) 0.95 937
    2018-06-01 $274,900 (2.2%) $363,791 (-3.1%) 0.92 985
    2018-07-01 $274,100 (1.9%) $358,094 (-4.2%) 0.92 984
    2018-08-01 $265,000 (-1.8%) $346,225 (-8.9%) 0.89 992
    2018-09-01 $265,000 (-3.6%) $344,909 (-10.8%) 0.89 927
    2018-10-01 $266,750 (-3.0%) $348,552 (-10.7%) 0.90 931
    2018-11-01 $269,250 (-0.7%) $349,158 (-10.1%) 0.91 895
    2018-12-01 $275,000 (2.5%) $353,198 (-8.9%) 0.95 820
    2019-01-01 $275,575 (3.7%) $353,970 (-9.6%) 0.95 771
    2019-02-01 $269,350 (0.4%) $356,745 (-8.3%) 0.91 758
    2019-03-01 $280,100 (0.8%) $369,118 (-6.8%) 0.92 757
    2019-04-01 $294,950 (4.4%) $378,470 (-5.6%) 0.94 784
    2019-05-01 $304,950 (6.8%) $392,696 (-2.3%) 0.95 786
    2019-06-01 $299,999 (9.1%) $392,302 (7.8%) 0.94 785
    2019-07-01 $297,250 (8.5%) $380,894 (6.4%) 0.93 780
    2019-08-01 $292,273 (10.3%) $374,185 (8.1%) 0.93 771
    2019-09-01 $290,432 (9.6%) $370,592 (7.5%) 0.93 769
    2019-10-01 $289,205 (8.4%) $369,171 (5.9%) 0.93 764
    2019-11-01 $275,000 (2.1%) $358,998 (2.8%) 0.90 754
    2019-12-01 $269,450 (-2.0%) $346,649 (-1.9%) 0.90 735
    2020-01-01 $269,900 (-2.1%) $348,328 (-1.6%) 0.90 699
    2020-02-01 $269,900 (0.2%) $358,074 (0.4%) 0.88 662
    2020-03-01 $269,900 (-3.6%) $365,528 (-1.0%) 0.85 686
    2020-04-01 $274,978 (-6.8%) $363,577 (-3.9%) 0.86 688
    2020-05-01 $285,000 (-6.5%) $387,674 (-1.3%) 0.87 678
    2020-06-01 $291,013 (-3.0%) $391,928 (-0.1%) 0.86 670
    2020-07-01 $293,125 (-1.4%) $400,816 (5.2%) 0.85 623
    2020-08-01 $289,500 (-1.0%) $399,371 (6.7%) 0.83 596
    2020-09-01 $294,825 (1.5%) $400,952 (8.2%) 0.84 570
    2020-10-01 $290,000 (0.3%) $405,427 (9.8%) 0.83 503
    2020-11-01 $284,975 (3.6%) $389,446 (8.5%) 0.83 478
    2020-12-01 $295,000 (9.5%) $405,272 (16.9%) 0.88 436
    2021-01-01 $289,950 (7.4%) $391,726 (12.5%) 0.87 385
    2021-02-01 $299,600 (11.0%) $404,255 (12.9%) 0.87 334
    2021-03-01 $298,700 (10.7%) $424,656 (16.2%) 0.85 300
    2021-04-01 $312,625 (13.7%) $453,425 (24.7%) 0.85 311
    2021-05-01 $342,490 (20.2%) $472,524 (21.9%) 0.91 317
    2021-06-01 $364,950 (25.4%) $522,819 (33.4%) 0.96 336
    2021-07-01 $360,000 (22.8%) $514,385 (28.3%) 0.95 380
    2021-08-01 $356,700 (23.2%) $488,691 (22.4%) 0.95 432
    2021-09-01 $350,000 (18.7%) $497,789 (24.2%) 0.93 423
    2021-10-01 $349,944 (20.7%) $504,302 (24.4%) 0.93 399
    2021-11-01 $359,719 (26.2%) $542,062 (39.2%) 0.96 357
    2021-12-01 $361,519 (22.6%) $541,818 (33.7%) 0.98 349
    2022-01-01 $364,700 (25.8%) $549,645 (40.3%) 0.99 309
    2022-02-01 $369,747 (23.4%) $555,158 (37.3%) 0.96 274
    2022-03-01 $357,850 (19.8%) $548,102 (29.1%) 0.90 265
    2022-04-01 $359,990 (15.2%) $569,936 (25.7%) 0.86 312
    2022-05-01 $382,200 (11.6%) $562,673 (19.1%) 0.87 401
    2022-06-01 $396,250 (8.6%) $571,070 (9.2%) 0.88 478
    2022-07-01 $394,700 (9.6%) $544,746 (5.9%) 0.89 555
    2022-08-01 $389,088 (9.1%) $554,800 (13.5%) 0.90 596
    2022-09-01 $392,500 (12.1%) $539,092 (8.3%) 0.92 646
    2022-10-01 $399,000 (14.0%) $539,693 (7.0%) 0.94 687
    2022-11-01 $399,450 (11.1%) $522,383 (-3.6%) 0.96 716
    2022-12-01 $403,750 (11.7%) $532,425 (-1.7%) 1.00 704
    2023-01-01 $400,000 (9.7%) $537,741 (-2.2%) 0.99 684
    2023-02-01 $405,935 (9.8%) $540,819 (-2.6%) 0.98 680
    2023-03-01 $409,950 (14.6%) $551,321 (0.6%) 0.97 684
    2023-04-01 $399,000 (10.8%) $535,826 (-6.0%) 0.93 693
    2023-05-01 $399,450 (4.5%) $533,033 (-5.3%) 0.91 707
    2023-06-01 $397,500 (0.3%) $518,146 (-9.3%) 0.89 773
    2023-07-01 $391,000 (-0.9%) $507,850 (-6.8%) 0.89 815
    2023-08-01 $385,000 (-1.1%) $511,781 (-7.8%) 0.88 863
    2023-09-01 $386,000 (-1.7%) $524,925 (-2.6%) 0.90 880
    2023-10-01 $381,850 (-4.3%) $511,190 (-5.3%) 0.90 942
    2023-11-01 $375,000 (-6.1%) $506,221 (-3.1%) 0.89 972
    2023-12-01 $375,000 (-7.1%) $503,318 (-5.5%) 0.91 948
    2024-01-01 $375,000 (-6.3%) $492,803 (-8.4%) 0.92 890
    2024-02-01 $384,450 (-5.3%) $493,644 (-8.7%) 0.93 886
    2024-03-01 $391,650 (-4.5%) $490,211 (-11.1%) 0.92 923
    2024-04-01 $395,625 (-0.9%) $489,109 (-8.7%) 0.92 894
    2024-05-01 $393,500 (-1.5%) $491,741 (-7.8%) 0.90 945
    2024-06-01 $385,000 (-3.1%) $484,085 (-6.6%) 0.88 1,046
    2024-07-01 $379,750 (-2.9%) $485,946 (-4.3%) 0.87 1,121
    2024-08-01 $380,328 (-1.2%) $486,277 (-5.0%) 0.88 1,094
    2024-09-01 $375,000 (-2.9%) $473,958 (-9.7%) 0.88 1,080
    2024-10-01 $379,250 (-0.7%) $471,132 (-7.8%) 0.89 1,102
    2024-11-01 $369,900 (-1.4%) $466,354 (-7.9%) 0.89 1,090
    2024-12-01 $374,925 (0.0%) $474,938 (-5.6%) 0.93 1,038
    2025-01-01 $371,575 (-0.9%) $473,294 (-4.0%) 0.93 990
    2025-02-01 $372,400 (-3.1%) $467,105 (-5.4%) 0.90 1,072
    2025-03-01 $374,900 (-4.3%) $477,853 (-2.5%) 0.00 1,131
    Tyler's median listing price for 2025-03-01 was $374,900, a difference of $-16,750 (-4.3%) versus the prior year and $2,500 versus the prior month.

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

    Tyler's average listing price for 2025-03-01 was $477,853, a difference of $-12,358 (-2.5%) versus the prior year and $10,748 versus the prior month.

    For the 2025-03-01 period, Tyler had 1,131 MLS listings, a difference of 59 listings (6%) versus the prior month and 208 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Tyler (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 87 days 2,307 sqft
    2018-02-01 77 days 2,279 sqft
    2018-03-01 66 days 2,304 sqft
    2018-04-01 63 days 2,323 sqft
    2018-05-01 59 days 2,337 sqft
    2018-06-01 57 days 2,304 sqft
    2018-07-01 60 days 2,284 sqft
    2018-08-01 65 days 2,270 sqft
    2018-09-01 72 days 2,278 sqft
    2018-10-01 67 days 2,275 sqft
    2018-11-01 67 days 2,266 sqft
    2018-12-01 78 days 2,274 sqft
    2019-01-01 86 days 2,276 sqft
    2019-02-01 83 days 2,232 sqft
    2019-03-01 68 days 2,274 sqft
    2019-04-01 54 days 2,344 sqft
    2019-05-01 49 days 2,434 sqft
    2019-06-01 51 days 2,436 sqft
    2019-07-01 53 days 2,430 sqft
    2019-08-01 57 days 2,414 sqft
    2019-09-01 59 days 2,395 sqft
    2019-10-01 60 days 2,369 sqft
    2019-11-01 67 days 2,301 sqft
    2019-12-01 71 days 2,211 sqft
    2020-01-01 76 days 2,155 sqft
    2020-02-01 64 days 2,144 sqft
    2020-03-01 53 days 2,175 sqft
    2020-04-01 57 days 2,181 sqft
    2020-05-01 59 days 2,208 sqft
    2020-06-01 51 days 2,262 sqft
    2020-07-01 51 days 2,233 sqft
    2020-08-01 52 days 2,235 sqft
    2020-09-01 53 days 2,252 sqft
    2020-10-01 51 days 2,199 sqft
    2020-11-01 51 days 2,204 sqft
    2020-12-01 64 days 2,251 sqft
    2021-01-01 67 days 2,177 sqft
    2021-02-01 44 days 2,149 sqft
    2021-03-01 49 days 2,147 sqft
    2021-04-01 33 days 2,188 sqft
    2021-05-01 36 days 2,202 sqft
    2021-06-01 38 days 2,258 sqft
    2021-07-01 38 days 2,201 sqft
    2021-08-01 38 days 2,191 sqft
    2021-09-01 41 days 2,185 sqft
    2021-10-01 50 days 2,130 sqft
    2021-11-01 56 days 2,133 sqft
    2021-12-01 55 days 2,108 sqft
    2022-01-01 54 days 2,029 sqft
    2022-02-01 46 days 2,062 sqft
    2022-03-01 38 days 2,002 sqft
    2022-04-01 29 days 2,001 sqft
    2022-05-01 30 days 2,050 sqft
    2022-06-01 33 days 2,104 sqft
    2022-07-01 36 days 2,074 sqft
    2022-08-01 39 days 2,050 sqft
    2022-09-01 43 days 2,093 sqft
    2022-10-01 49 days 2,138 sqft
    2022-11-01 54 days 2,143 sqft
    2022-12-01 71 days 2,172 sqft
    2023-01-01 73 days 2,126 sqft
    2023-02-01 68 days 2,150 sqft
    2023-03-01 57 days 2,170 sqft
    2023-04-01 50 days 2,113 sqft
    2023-05-01 49 days 2,176 sqft
    2023-06-01 44 days 2,130 sqft
    2023-07-01 45 days 2,097 sqft
    2023-08-01 50 days 2,097 sqft
    2023-09-01 54 days 2,102 sqft
    2023-10-01 56 days 2,097 sqft
    2023-11-01 59 days 2,081 sqft
    2023-12-01 68 days 2,075 sqft
    2024-01-01 73 days 2,081 sqft
    2024-02-01 68 days 2,093 sqft
    2024-03-01 50 days 2,095 sqft
    2024-04-01 51 days 2,113 sqft
    2024-05-01 47 days 2,114 sqft
    2024-06-01 52 days 2,087 sqft
    2024-07-01 57 days 2,071 sqft
    2024-08-01 61 days 2,063 sqft
    2024-09-01 63 days 2,032 sqft
    2024-10-01 63 days 2,046 sqft
    2024-11-01 65 days 2,030 sqft
    2024-12-01 69 days 2,031 sqft
    2025-01-01 77 days 2,018 sqft
    2025-02-01 69 days 2,016 sqft
    2025-03-01 0 days 2,031 sqft
    Tyler'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.

    Tyler's median square footage for active listings during the 2025-03-01 period was 2,031 sqft. One year prior, the average listing was 2,095 sqft.