Victoria USDA Loan Rates, Closing Costs & Stats

VICTORIA, 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.

    Victoria USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Victoria averaged 6.9% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Victoria's average USDA mortgage closing costs are $5,889.

    The average rate for the prior week (2024-04-12) was 6.65% and one month ago for the week of 2024-03-15, the average rate was 6.83%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.86%.

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

    Victoria 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 Victoria level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Victoria (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 $229,938 (15.4%) $278,157 (22.4%) 0.00 266
    2018-02-01 $222,225 (12.6%) $269,591 (18.2%) 0.00 256
    2018-03-01 $223,750 (12.3%) $269,170 (15.4%) 0.00 256
    2018-04-01 $232,400 (11.6%) $264,464 (10.4%) 0.00 263
    2018-05-01 $224,450 (4.4%) $261,413 (4.2%) 0.00 273
    2018-06-01 $219,893 (0.7%) $257,376 (2.1%) 0.00 274
    2018-07-01 $228,225 (6.5%) $249,303 (-0.3%) 0.00 276
    2018-08-01 $221,600 (4.6%) $245,236 (-1.9%) 0.00 291
    2018-09-01 $221,886 (4.6%) $250,566 (-0.3%) 0.00 283
    2018-10-01 $229,950 (7.7%) $254,382 (-0.7%) 0.00 266
    2018-11-01 $234,900 (2.2%) $255,857 (-8.6%) 0.00 273
    2018-12-01 $239,400 (4.1%) $269,609 (-4.4%) 0.00 255
    2019-01-01 $237,450 (3.3%) $267,231 (-3.9%) 0.00 241
    2019-02-01 $232,175 (4.5%) $267,568 (-0.8%) 0.00 234
    2019-03-01 $240,421 (7.5%) $299,211 (11.2%) 0.00 232
    2019-04-01 $245,024 (5.4%) $304,800 (15.3%) 0.00 232
    2019-05-01 $242,450 (8.0%) $279,800 (7.0%) 0.00 251
    2019-06-01 $244,999 (11.4%) $288,229 (12.0%) 0.00 280
    2019-07-01 $248,686 (9.0%) $291,441 (16.9%) 0.00 284
    2019-08-01 $243,791 (10.0%) $291,343 (18.8%) 0.00 298
    2019-09-01 $234,627 (5.7%) $288,340 (15.1%) 0.00 314
    2019-10-01 $226,844 (-1.4%) $285,186 (12.1%) 0.00 324
    2019-11-01 $225,000 (-4.2%) $291,886 (14.1%) 0.00 302
    2019-12-01 $221,500 (-7.5%) $288,019 (6.8%) 0.00 294
    2020-01-01 $220,450 (-7.2%) $275,551 (3.1%) 0.00 286
    2020-02-01 $224,900 (-3.1%) $286,072 (6.9%) 0.00 278
    2020-03-01 $227,450 (-5.4%) $294,703 (-1.5%) 0.00 262
    2020-04-01 $229,900 (-6.2%) $294,717 (-3.3%) 0.00 258
    2020-05-01 $240,950 (-0.6%) $309,360 (10.6%) 0.00 235
    2020-06-01 $252,475 (3.1%) $320,715 (11.3%) 0.00 231
    2020-07-01 $265,350 (6.7%) $327,423 (12.4%) 0.00 239
    2020-08-01 $271,400 (11.3%) $342,853 (17.7%) 0.00 226
    2020-09-01 $274,550 (17.0%) $351,239 (21.8%) 0.00 219
    2020-10-01 $265,700 (17.1%) $338,371 (18.7%) 0.00 229
    2020-11-01 $268,921 (19.5%) $333,205 (14.2%) 0.00 231
    2020-12-01 $261,200 (17.9%) $330,615 (14.8%) 0.00 225
    2021-01-01 $271,150 (23.0%) $333,358 (21.0%) 0.00 197
    2021-02-01 $271,425 (20.7%) $338,952 (18.5%) 0.00 159
    2021-03-01 $277,400 (22.0%) $342,735 (16.3%) 0.00 142
    2021-04-01 $277,446 (20.7%) $348,413 (18.2%) 0.00 130
    2021-05-01 $284,900 (18.2%) $369,998 (19.6%) 0.00 123
    2021-06-01 $285,000 (12.9%) $343,983 (7.3%) 0.00 131
    2021-07-01 $256,900 (-3.2%) $336,637 (2.8%) 0.00 140
    2021-08-01 $271,675 (0.1%) $329,165 (-4.0%) 0.00 168
    2021-09-01 $269,750 (-1.8%) $338,106 (-3.7%) 0.00 176
    2021-10-01 $279,700 (5.3%) $347,726 (2.8%) 0.00 188
    2021-11-01 $284,575 (5.8%) $345,054 (3.6%) 0.00 186
    2021-12-01 $278,125 (6.5%) $337,505 (2.1%) 0.00 167
    2022-01-01 $269,900 (-0.5%) $334,819 (0.4%) 0.00 160
    2022-02-01 $284,500 (4.8%) $354,022 (4.5%) 0.00 156
    2022-03-01 $302,400 (9.0%) $360,711 (5.3%) 0.00 151
    2022-04-01 $299,900 (8.1%) $370,652 (6.4%) 0.00 130
    2022-05-01 $294,900 (3.5%) $393,407 (6.3%) 0.00 141
    2022-06-01 $299,600 (5.1%) $380,006 (10.5%) 0.00 149
    2022-07-01 $294,750 (14.7%) $376,197 (11.8%) 0.00 184
    2022-08-01 $286,125 (5.3%) $371,350 (12.8%) 0.00 202
    2022-09-01 $276,125 (2.4%) $367,038 (8.6%) 0.00 211
    2022-10-01 $250,000 (-10.6%) $358,241 (3.0%) 0.00 212
    2022-11-01 $249,675 (-12.3%) $345,156 (0.0%) 0.00 210
    2022-12-01 $262,200 (-5.7%) $346,900 (2.8%) 0.00 219
    2023-01-01 $265,225 (-1.7%) $342,640 (2.3%) 0.00 215
    2023-02-01 $278,425 (-2.1%) $348,206 (-1.6%) 0.00 203
    2023-03-01 $284,975 (-5.8%) $359,103 (-0.5%) 0.00 191
    2023-04-01 $329,900 (10.0%) $369,815 (-0.2%) 0.00 165
    2023-05-01 $328,650 (11.4%) $384,785 (-2.2%) 0.00 184
    2023-06-01 $328,325 (9.6%) $379,315 (-0.2%) 0.00 186
    2023-07-01 $319,950 (8.6%) $368,757 (-2.0%) 0.00 199
    2023-08-01 $300,000 (4.9%) $359,807 (-3.1%) 0.00 225
    2023-09-01 $288,900 (4.6%) $348,096 (-5.2%) 0.00 246
    2023-10-01 $276,475 (10.6%) $344,608 (-3.8%) 0.00 271
    2023-11-01 $286,675 (14.8%) $348,855 (1.1%) 0.00 285
    2023-12-01 $275,000 (4.9%) $344,429 (-0.7%) 0.00 265
    2024-01-01 $269,925 (1.8%) $339,197 (-1.0%) 0.00 257
    2024-02-01 $274,949 (-1.3%) $343,894 (-1.2%) 0.00 259
    2024-03-01 $279,400 (-2.0%) $348,518 (-3.0%) 0.00 253
    Victoria's median listing price for 2024-03-01 was $279,400, a difference of $-5,575 (-2.0%) versus the prior year and $4,451 versus the prior month.

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

    Victoria's average listing price for 2024-03-01 was $348,518, a difference of $-10,585 (-3.0%) versus the prior year and $4,624 versus the prior month.

    For the 2024-03-01 period, Victoria had 253 MLS listings, a difference of -6 listings (-2%) versus the prior month and 62 listings (32%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Victoria (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,085 sqft
    2018-02-01 0 days 2,031 sqft
    2018-03-01 0 days 2,069 sqft
    2018-04-01 0 days 2,087 sqft
    2018-05-01 0 days 2,025 sqft
    2018-06-01 0 days 2,037 sqft
    2018-07-01 0 days 2,043 sqft
    2018-08-01 0 days 2,030 sqft
    2018-09-01 0 days 2,011 sqft
    2018-10-01 0 days 2,044 sqft
    2018-11-01 0 days 2,034 sqft
    2018-12-01 0 days 2,049 sqft
    2019-01-01 0 days 2,014 sqft
    2019-02-01 0 days 2,020 sqft
    2019-03-01 0 days 2,055 sqft
    2019-04-01 0 days 2,066 sqft
    2019-05-01 0 days 2,093 sqft
    2019-06-01 0 days 2,088 sqft
    2019-07-01 0 days 2,076 sqft
    2019-08-01 0 days 2,037 sqft
    2019-09-01 0 days 1,981 sqft
    2019-10-01 0 days 1,944 sqft
    2019-11-01 0 days 1,946 sqft
    2019-12-01 0 days 1,931 sqft
    2020-01-01 0 days 1,903 sqft
    2020-02-01 0 days 1,906 sqft
    2020-03-01 0 days 1,868 sqft
    2020-04-01 0 days 1,900 sqft
    2020-05-01 0 days 2,007 sqft
    2020-06-01 0 days 2,023 sqft
    2020-07-01 0 days 2,067 sqft
    2020-08-01 0 days 2,102 sqft
    2020-09-01 0 days 2,137 sqft
    2020-10-01 0 days 2,131 sqft
    2020-11-01 0 days 2,057 sqft
    2020-12-01 0 days 2,036 sqft
    2021-01-01 0 days 2,042 sqft
    2021-02-01 0 days 2,031 sqft
    2021-03-01 0 days 2,041 sqft
    2021-04-01 0 days 2,021 sqft
    2021-05-01 0 days 2,020 sqft
    2021-06-01 0 days 2,004 sqft
    2021-07-01 0 days 1,916 sqft
    2021-08-01 0 days 1,924 sqft
    2021-09-01 0 days 1,881 sqft
    2021-10-01 0 days 1,882 sqft
    2021-11-01 0 days 1,871 sqft
    2021-12-01 0 days 1,842 sqft
    2022-01-01 0 days 1,874 sqft
    2022-02-01 0 days 1,899 sqft
    2022-03-01 0 days 1,894 sqft
    2022-04-01 0 days 1,972 sqft
    2022-05-01 0 days 1,960 sqft
    2022-06-01 0 days 1,911 sqft
    2022-07-01 0 days 1,894 sqft
    2022-08-01 0 days 1,871 sqft
    2022-09-01 0 days 1,818 sqft
    2022-10-01 0 days 1,814 sqft
    2022-11-01 0 days 1,792 sqft
    2022-12-01 0 days 1,808 sqft
    2023-01-01 0 days 1,807 sqft
    2023-02-01 0 days 1,816 sqft
    2023-03-01 0 days 1,899 sqft
    2023-04-01 0 days 1,938 sqft
    2023-05-01 0 days 1,997 sqft
    2023-06-01 0 days 1,943 sqft
    2023-07-01 0 days 1,910 sqft
    2023-08-01 0 days 1,915 sqft
    2023-09-01 0 days 1,865 sqft
    2023-10-01 0 days 1,820 sqft
    2023-11-01 0 days 1,884 sqft
    2023-12-01 0 days 1,888 sqft
    2024-01-01 0 days 1,889 sqft
    2024-02-01 0 days 1,899 sqft
    2024-03-01 0 days 1,921 sqft
    Victoria's median listing age (time on market) for 2024-03-01 was 0 days.

    Victoria's median square footage for active listings during the 2024-03-01 period was 1,921 sqft. One year prior, the average listing was 1,899 sqft.