Uvalde USDA Loan Rates, Closing Costs & Stats

Uvalde, 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.

    Uvalde's 2 lenders originated 5 USDA loans during 2023. The total origination value was $975,000, with an average USDA loan value of $195,000.

    Uvalde USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Uvalde averaged 7.07% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Uvalde's average USDA mortgage closing costs are $5,858.

    The average rate for the prior week (2024-04-12) was 6.82% and one month ago for the week of 2024-03-15, the average rate was 6.81%.

    The average rate one year ago was 6.14%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.76%.

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

    Uvalde 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 Uvalde level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 1 7.63% $7,368
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.38% $6,622

    The top Uvalde USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 1 USDA loans originated. Their average total fees are $7,368, which is $746 higher than the next largest lender, MORTGAGE FINANCIAL SERVICES, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Uvalde (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 $218,625 (14.3%) $303,932 (22.6%) 0.00 116
    2018-02-01 $208,225 (8.2%) $275,725 (11.7%) 0.00 114
    2018-03-01 $214,250 (-0.1%) $257,558 (-9.5%) 0.00 121
    2018-04-01 $218,500 (1.6%) $291,152 (5.3%) 0.00 124
    2018-05-01 $235,500 (18.9%) $338,638 (31.4%) 0.00 119
    2018-06-01 $239,750 (26.2%) $359,906 (41.3%) 0.00 121
    2018-07-01 $239,250 (20.5%) $363,722 (40.0%) 0.00 123
    2018-08-01 $223,500 (6.4%) $305,796 (14.3%) 0.00 131
    2018-09-01 $219,950 (10.1%) $296,212 (13.0%) 0.00 120
    2018-10-01 $222,500 (12.9%) $304,070 (14.9%) 0.00 112
    2018-11-01 $217,000 (2.1%) $288,255 (-0.4%) 0.00 119
    2018-12-01 $204,900 (-4.7%) $278,501 (-7.7%) 0.00 117
    2019-01-01 $204,950 (-6.3%) $277,158 (-8.8%) 0.00 101
    2019-02-01 $213,250 (2.4%) $288,725 (4.7%) 0.00 101
    2019-03-01 $219,514 (2.5%) $297,840 (15.6%) 0.00 106
    2019-04-01 $219,064 (0.3%) $304,233 (4.5%) 0.00 111
    2019-05-01 $239,250 (1.6%) $315,319 (-6.9%) 0.00 114
    2019-06-01 $234,000 (-2.4%) $305,017 (-15.3%) 0.00 113
    2019-07-01 $233,250 (-2.5%) $299,004 (-17.8%) 0.00 116
    2019-08-01 $234,455 (4.9%) $307,684 (0.6%) 0.00 113
    2019-09-01 $231,386 (5.2%) $309,449 (4.5%) 0.00 108
    2019-10-01 $229,341 (3.1%) $311,898 (2.6%) 0.00 105
    2019-11-01 $239,000 (10.1%) $316,349 (9.8%) 0.00 100
    2019-12-01 $242,200 (18.2%) $321,424 (15.4%) 0.00 98
    2020-01-01 $262,500 (28.1%) $338,101 (22.0%) 0.00 95
    2020-02-01 $260,000 (21.9%) $334,958 (16.0%) 0.00 92
    2020-03-01 $271,750 (23.8%) $350,563 (17.7%) 0.00 97
    2020-04-01 $282,000 (28.7%) $351,687 (15.6%) 0.00 95
    2020-05-01 $287,000 (20.0%) $353,362 (12.1%) 0.00 95
    2020-06-01 $314,000 (34.2%) $388,835 (27.5%) 0.00 94
    2020-07-01 $334,000 (43.2%) $417,118 (39.5%) 0.00 78
    2020-08-01 $294,000 (25.4%) $393,523 (27.9%) 0.00 76
    2020-09-01 $292,000 (26.2%) $372,436 (20.4%) 0.00 78
    2020-10-01 $282,500 (23.2%) $378,505 (21.4%) 0.00 84
    2020-11-01 $291,500 (22.0%) $419,965 (32.8%) 0.00 79
    2020-12-01 $287,000 (18.5%) $387,656 (20.6%) 0.00 73
    2021-01-01 $292,000 (11.2%) $393,374 (16.4%) 0.00 64
    2021-02-01 $282,000 (8.5%) $354,405 (5.8%) 0.00 62
    2021-03-01 $291,500 (7.3%) $351,243 (0.2%) 0.00 55
    2021-04-01 $292,450 (3.7%) $369,500 (5.1%) 0.00 48
    2021-05-01 $287,450 (0.2%) $370,416 (4.8%) 0.00 39
    2021-06-01 $304,975 (-2.9%) $401,443 (3.2%) 0.00 31
    2021-07-01 $269,500 (-19.3%) $466,721 (11.9%) 0.00 41
    2021-08-01 $312,000 (6.1%) $483,035 (22.8%) 0.00 41
    2021-09-01 $331,175 (13.4%) $420,596 (12.9%) 0.00 41
    2021-10-01 $295,000 (4.4%) $390,766 (3.2%) 0.00 32
    2021-11-01 $303,725 (4.2%) $404,914 (-3.6%) 0.00 33
    2021-12-01 $306,200 (6.7%) $397,060 (2.4%) 0.00 31
    2022-01-01 $277,000 (-5.1%) $358,610 (-8.8%) 0.00 35
    2022-02-01 $263,450 (-6.6%) $449,439 (26.8%) 0.00 33
    2022-03-01 $267,450 (-8.3%) $462,717 (31.7%) 0.00 36
    2022-04-01 $312,000 (6.7%) $427,582 (15.7%) 0.00 39
    2022-05-01 $342,250 (19.1%) $481,176 (29.9%) 0.00 40
    2022-06-01 $307,125 (0.7%) $469,077 (16.9%) 0.00 50
    2022-07-01 $310,000 (15.0%) $440,497 (-5.6%) 0.00 62
    2022-08-01 $341,225 (9.4%) $463,444 (-4.1%) 0.00 74
    2022-09-01 $366,500 (10.7%) $487,653 (15.9%) 0.00 77
    2022-10-01 $345,450 (17.1%) $490,542 (25.5%) 0.00 77
    2022-11-01 $335,900 (10.6%) $453,582 (12.0%) 0.00 80
    2022-12-01 $364,999 (19.2%) $472,656 (19.0%) 0.00 77
    2023-01-01 $332,425 (20.0%) $431,171 (20.2%) 0.00 82
    2023-02-01 $327,000 (24.1%) $422,803 (-5.9%) 0.00 75
    2023-03-01 $340,950 (27.5%) $458,912 (-0.8%) 0.00 78
    2023-04-01 $312,450 (0.1%) $465,494 (8.9%) 0.00 72
    2023-05-01 $285,000 (-16.7%) $438,191 (-8.9%) 0.00 83
    2023-06-01 $284,725 (-7.3%) $407,482 (-13.1%) 0.00 81
    2023-07-01 $319,450 (3.1%) $419,430 (-4.8%) 0.00 81
    2023-08-01 $325,000 (-4.8%) $458,557 (-1.1%) 0.00 88
    2023-09-01 $347,450 (-5.2%) $472,208 (-3.2%) 0.00 91
    2023-10-01 $351,225 (1.7%) $490,573 (0.0%) 0.00 97
    2023-11-01 $349,500 (4.1%) $479,429 (5.7%) 0.00 97
    2023-12-01 $370,000 (1.4%) $495,670 (4.9%) 0.00 83
    2024-01-01 $365,000 (9.8%) $523,070 (21.3%) 0.00 75
    2024-02-01 $348,000 (6.4%) $512,218 (21.2%) 0.00 80
    2024-03-01 $357,500 (4.9%) $539,645 (17.6%) 0.00 97
    Uvalde's median listing price for 2024-03-01 was $357,500, a difference of $16,550 (4.9%) versus the prior year and $9,500 versus the prior month.

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

    Uvalde's average listing price for 2024-03-01 was $539,645, a difference of $80,733 (17.6%) versus the prior year and $27,427 versus the prior month.

    For the 2024-03-01 period, Uvalde had 97 MLS listings, a difference of 17 listings (21%) versus the prior month and 19 listings (24%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Uvalde (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,090 sqft
    2018-02-01 0 days 2,009 sqft
    2018-03-01 0 days 2,047 sqft
    2018-04-01 0 days 2,061 sqft
    2018-05-01 0 days 2,079 sqft
    2018-06-01 0 days 2,109 sqft
    2018-07-01 0 days 2,144 sqft
    2018-08-01 0 days 2,097 sqft
    2018-09-01 0 days 2,016 sqft
    2018-10-01 0 days 2,049 sqft
    2018-11-01 0 days 2,004 sqft
    2018-12-01 0 days 1,995 sqft
    2019-01-01 0 days 1,966 sqft
    2019-02-01 0 days 2,003 sqft
    2019-03-01 0 days 2,048 sqft
    2019-04-01 0 days 2,063 sqft
    2019-05-01 0 days 2,088 sqft
    2019-06-01 0 days 2,078 sqft
    2019-07-01 0 days 2,001 sqft
    2019-08-01 0 days 2,010 sqft
    2019-09-01 0 days 2,022 sqft
    2019-10-01 0 days 2,031 sqft
    2019-11-01 0 days 2,016 sqft
    2019-12-01 0 days 2,109 sqft
    2020-01-01 0 days 2,125 sqft
    2020-02-01 0 days 2,183 sqft
    2020-03-01 0 days 2,259 sqft
    2020-04-01 0 days 2,308 sqft
    2020-05-01 0 days 2,286 sqft
    2020-06-01 0 days 2,266 sqft
    2020-07-01 0 days 2,446 sqft
    2020-08-01 0 days 2,258 sqft
    2020-09-01 0 days 2,167 sqft
    2020-10-01 0 days 2,150 sqft
    2020-11-01 0 days 2,243 sqft
    2020-12-01 0 days 2,319 sqft
    2021-01-01 0 days 2,362 sqft
    2021-02-01 0 days 2,318 sqft
    2021-03-01 0 days 2,291 sqft
    2021-04-01 0 days 2,195 sqft
    2021-05-01 0 days 2,206 sqft
    2021-06-01 0 days 2,283 sqft
    2021-07-01 0 days 1,967 sqft
    2021-08-01 0 days 2,108 sqft
    2021-09-01 0 days 1,857 sqft
    2021-10-01 0 days 1,656 sqft
    2021-11-01 0 days 1,653 sqft
    2021-12-01 0 days 1,662 sqft
    2022-01-01 0 days 1,653 sqft
    2022-02-01 0 days 1,632 sqft
    2022-03-01 0 days 1,687 sqft
    2022-04-01 0 days 1,706 sqft
    2022-05-01 0 days 1,729 sqft
    2022-06-01 0 days 1,804 sqft
    2022-07-01 0 days 2,020 sqft
    2022-08-01 0 days 2,142 sqft
    2022-09-01 0 days 2,149 sqft
    2022-10-01 0 days 2,020 sqft
    2022-11-01 0 days 2,024 sqft
    2022-12-01 0 days 2,158 sqft
    2023-01-01 0 days 1,900 sqft
    2023-02-01 0 days 1,862 sqft
    2023-03-01 0 days 1,858 sqft
    2023-04-01 0 days 1,854 sqft
    2023-05-01 0 days 1,782 sqft
    2023-06-01 0 days 1,760 sqft
    2023-07-01 0 days 1,756 sqft
    2023-08-01 0 days 1,800 sqft
    2023-09-01 0 days 1,859 sqft
    2023-10-01 0 days 1,857 sqft
    2023-11-01 0 days 1,852 sqft
    2023-12-01 0 days 1,960 sqft
    2024-01-01 0 days 2,063 sqft
    2024-02-01 0 days 1,868 sqft
    2024-03-01 0 days 1,952 sqft
    Uvalde's median listing age (time on market) for 2024-03-01 was 0 days.

    Uvalde's median square footage for active listings during the 2024-03-01 period was 1,952 sqft. One year prior, the average listing was 1,858 sqft.