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 6.53% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

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

    The average rate for the prior week (2025-02-07) was 6.49% and one month ago for the week of 2025-01-10, the average rate was 6.74%.

    The average rate one year ago was 6.33%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

    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 $289,000 (20.8%) $374,398 (18.7%) 0.00 96
    2020-06-01 $316,500 (35.3%) $409,683 (34.3%) 0.00 95
    2020-07-01 $339,000 (45.3%) $440,556 (47.3%) 0.00 79
    2020-08-01 $297,000 (26.7%) $417,724 (35.8%) 0.00 77
    2020-09-01 $295,500 (27.7%) $398,862 (28.9%) 0.00 79
    2020-10-01 $285,000 (24.3%) $403,162 (29.3%) 0.00 85
    2020-11-01 $296,500 (24.1%) $444,577 (40.5%) 0.00 80
    2020-12-01 $288,000 (18.9%) $401,386 (24.9%) 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 (-0.5%) $370,416 (-1.1%) 0.00 39
    2021-06-01 $304,975 (-3.6%) $401,443 (-2.0%) 0.00 31
    2021-07-01 $269,500 (-20.5%) $466,721 (5.9%) 0.00 41
    2021-08-01 $312,000 (5.1%) $483,035 (15.6%) 0.00 41
    2021-09-01 $331,175 (12.1%) $420,596 (5.5%) 0.00 41
    2021-10-01 $295,000 (3.5%) $390,766 (-3.1%) 0.00 32
    2021-11-01 $303,725 (2.4%) $404,914 (-8.9%) 0.00 33
    2021-12-01 $306,200 (6.3%) $397,060 (-1.1%) 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%) $465,374 (8.8%) 0.00 72
    2023-05-01 $283,375 (-17.2%) $436,831 (-9.2%) 0.00 82
    2023-06-01 $283,725 (-7.6%) $405,873 (-13.5%) 0.00 81
    2023-07-01 $314,500 (1.5%) $417,764 (-5.2%) 0.00 81
    2023-08-01 $325,000 (-4.8%) $456,718 (-1.5%) 0.00 89
    2023-09-01 $345,000 (-5.9%) $470,217 (-3.6%) 0.00 92
    2023-10-01 $348,725 (1.0%) $488,556 (-0.4%) 0.00 98
    2023-11-01 $346,000 (3.0%) $477,494 (5.3%) 0.00 98
    2023-12-01 $365,000 (0.0%) $493,276 (4.4%) 0.00 84
    2024-01-01 $357,500 (7.5%) $520,159 (20.6%) 0.00 76
    2024-02-01 $338,500 (3.5%) $509,463 (20.5%) 0.00 81
    2024-03-01 $350,000 (2.7%) $537,243 (17.1%) 0.00 98
    2024-04-01 $399,000 (27.7%) $571,219 (22.7%) 0.00 93
    2024-05-01 $428,750 (51.3%) $606,631 (38.9%) 0.00 98
    2024-06-01 $407,500 (43.6%) $546,337 (34.6%) 0.00 112
    2024-07-01 $394,250 (25.4%) $517,741 (23.9%) 0.00 118
    2024-08-01 $389,250 (19.8%) $540,287 (18.3%) 0.00 122
    2024-09-01 $399,000 (15.7%) $843,041 (79.3%) 0.00 119
    2024-10-01 $399,000 (14.4%) $724,616 (48.3%) 0.00 119
    2024-11-01 $412,450 (19.2%) $604,217 (26.5%) 0.00 122
    2024-12-01 $418,725 (14.7%) $617,173 (25.1%) 0.00 121
    2025-01-01 $397,450 (11.2%) $594,479 (14.3%) 0.00 111
    Uvalde's median listing price for 2025-01-01 was $397,450, a difference of $39,950 (11.2%) versus the prior year and $-21,275 versus the prior month.

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

    Uvalde's average listing price for 2025-01-01 was $594,479, a difference of $74,320 (14.3%) versus the prior year and $-22,694 versus the prior month.

    For the 2025-01-01 period, Uvalde had 111 MLS listings, a difference of -10 listings (-8%) versus the prior month and 35 listings (46%) 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 2,076 sqft
    2018-06-01 0 days 2,105 sqft
    2018-07-01 0 days 2,127 sqft
    2018-08-01 0 days 2,094 sqft
    2018-09-01 0 days 2,008 sqft
    2018-10-01 0 days 2,046 sqft
    2018-11-01 0 days 1,996 sqft
    2018-12-01 0 days 1,993 sqft
    2019-01-01 0 days 1,950 sqft
    2019-02-01 0 days 2,001 sqft
    2019-03-01 0 days 2,036 sqft
    2019-04-01 0 days 2,046 sqft
    2019-05-01 0 days 2,084 sqft
    2019-06-01 0 days 2,078 sqft
    2019-07-01 0 days 1,998 sqft
    2019-08-01 0 days 2,008 sqft
    2019-09-01 0 days 2,021 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 2,301 sqft
    2020-06-01 0 days 2,293 sqft
    2020-07-01 0 days 2,448 sqft
    2020-08-01 0 days 2,316 sqft
    2020-09-01 0 days 2,171 sqft
    2020-10-01 0 days 2,156 sqft
    2020-11-01 0 days 2,263 sqft
    2020-12-01 0 days 2,335 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 1,788 sqft
    2023-06-01 0 days 1,760 sqft
    2023-07-01 0 days 1,756 sqft
    2023-08-01 0 days 1,784 sqft
    2023-09-01 0 days 1,858 sqft
    2023-10-01 0 days 1,852 sqft
    2023-11-01 0 days 1,850 sqft
    2023-12-01 0 days 1,927 sqft
    2024-01-01 0 days 2,054 sqft
    2024-02-01 0 days 1,859 sqft
    2024-03-01 0 days 1,923 sqft
    2024-04-01 0 days 1,929 sqft
    2024-05-01 0 days 1,939 sqft
    2024-06-01 0 days 1,940 sqft
    2024-07-01 0 days 1,805 sqft
    2024-08-01 0 days 1,806 sqft
    2024-09-01 0 days 1,908 sqft
    2024-10-01 0 days 1,939 sqft
    2024-11-01 0 days 1,942 sqft
    2024-12-01 0 days 1,949 sqft
    2025-01-01 0 days 1,931 sqft
    Uvalde's median listing age (time on market) for 2025-01-01 was 0 days.

    Uvalde's median square footage for active listings during the 2025-01-01 period was 1,931 sqft. One year prior, the average listing was 2,054 sqft.