Tyler USDA Loan Rates, Closing Costs & Stats
TYLER, 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.
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
6.96%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Tyler's average USDA mortgage closing costs are $6,037.
The average rate for the prior week (2025-05-16) was
6.89% and
one month ago for the week of 2025-04-18, the
average rate was 6.78%.
The average rate one year ago was 6.85%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.48%.
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%) | 0.88 | 1,131 |
| 2025-04-01 | $375,000 (-5.2%) | $472,013 (-3.5%) | 0.87 | 1,224 |
Tyler's median listing price comes in at 87% of the national average.
Tyler's average listing price for 2025-04-01 was $472,013, a difference of $-17,096 (-3.5%) versus the prior year and $-5,840 versus the prior month.
For the 2025-04-01 period, Tyler had 1,224 MLS listings, a difference of 93 listings (8%) versus the prior month and 330 listings (37%) 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 | 54 days | 2,031 sqft |
| 2025-04-01 | 53 days | 2,057 sqft |
Tyler's median square footage for active listings during the 2025-04-01 period was 2,057 sqft. One year prior, the average listing was 2,113 sqft.