Zapata USDA Loan Rates, Closing Costs & Stats

Zapata, 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.

    Zapata USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Zapata averaged 6.71% for the week of 2024-04-12, compared to the national average (all USDA variants) of 6.705% for the same period.

    Zapata's average USDA mortgage closing costs are $4,886.

    The average rate for the prior week (2024-04-05) was 6.43% and one month ago for the week of 2024-03-08, the average rate was 6.59%.

    The average rate one year ago was 6.2%.

    For refis of the same type during the week of 2024-04-12, the average rate was 6.91%.

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

    Zapata 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 Zapata level.

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

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Zapata (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 $122,300 (-3.3%) $127,544 (-7.1%) 0.00 47
    2018-02-01 $121,225 (-3.6%) $128,110 (-3.7%) 0.00 51
    2018-03-01 $124,950 (-2.7%) $131,573 (-3.2%) 0.00 49
    2018-04-01 $120,000 (-9.1%) $135,461 (-1.1%) 0.00 52
    2018-05-01 $120,000 (-9.1%) $135,816 (0.3%) 0.00 54
    2018-06-01 $120,000 (-8.0%) $127,055 (-6.8%) 0.00 49
    2018-07-01 $120,000 (-7.0%) $121,922 (-1.6%) 0.00 44
    2018-08-01 $124,975 (-4.2%) $126,138 (-11.3%) 0.00 45
    2018-09-01 $125,000 (-1.5%) $126,828 (-9.2%) 0.00 46
    2018-10-01 $122,500 (-2.7%) $125,618 (-11.0%) 0.00 49
    2018-11-01 $120,000 (-4.0%) $122,888 (-9.9%) 0.00 48
    2018-12-01 $117,500 (-3.9%) $122,033 (-6.0%) 0.00 46
    2019-01-01 $115,000 (-6.0%) $120,306 (-5.7%) 0.00 45
    2019-02-01 $117,750 (-2.9%) $120,742 (-5.8%) 0.00 43
    2019-03-01 $119,143 (-4.7%) $125,539 (-4.6%) 0.00 42
    2019-04-01 $121,250 (1.0%) $132,678 (-2.1%) 0.00 40
    2019-05-01 $118,750 (-1.0%) $131,733 (-3.0%) 0.00 39
    2019-06-01 $115,000 (-4.2%) $129,613 (2.0%) 0.00 42
    2019-07-01 $118,250 (-1.5%) $130,296 (6.9%) 0.00 44
    2019-08-01 $120,636 (-3.5%) $132,026 (4.7%) 0.00 43
    2019-09-01 $123,091 (-1.5%) $136,488 (7.6%) 0.00 41
    2019-10-01 $121,727 (-0.6%) $138,202 (10.0%) 0.00 41
    2019-11-01 $120,000 (0.0%) $150,699 (22.6%) 0.00 40
    2019-12-01 $125,000 (6.4%) $151,572 (24.2%) 0.00 41
    2020-01-01 $122,500 (6.5%) $148,392 (23.4%) 0.00 42
    2020-02-01 $125,000 (6.2%) $147,406 (22.1%) 0.00 36
    2020-03-01 $135,250 (13.5%) $159,348 (26.9%) 0.00 30
    2020-04-01 $135,250 (11.6%) $163,657 (23.4%) 0.00 28
    2020-05-01 $129,000 (8.6%) $168,573 (28.0%) 0.00 23
    2020-06-01 $124,500 (8.3%) $167,839 (29.5%) 0.00 18
    2020-07-01 $138,000 (16.7%) $174,532 (34.0%) 0.00 18
    2020-08-01 $163,450 (35.5%) $180,445 (36.7%) 0.00 17
    2020-09-01 $135,000 (9.7%) $147,220 (7.9%) 0.00 22
    2020-10-01 $141,250 (16.0%) $149,765 (8.4%) 0.00 23
    2020-11-01 $152,500 (27.1%) $154,950 (2.8%) 0.00 22
    2020-12-01 $131,250 (5.0%) $145,114 (-4.3%) 0.00 24
    2021-01-01 $130,000 (6.1%) $147,206 (-0.8%) 0.00 22
    2021-02-01 $159,900 (27.9%) $157,097 (6.6%) 0.00 19
    2021-03-01 $159,900 (18.2%) $156,939 (-1.5%) 0.00 20
    2021-04-01 $159,425 (17.9%) $172,032 (5.1%) 0.00 21
    2021-05-01 $120,000 (-7.0%) $176,079 (4.5%) 0.00 17
    2021-06-01 $122,500 (-1.6%) $174,709 (4.1%) 0.00 16
    2021-07-01 $125,000 (-9.4%) $177,049 (1.4%) 0.00 17
    2021-08-01 $146,450 (-10.4%) $178,863 (-0.9%) 0.00 14
    2021-09-01 $120,675 (-10.6%) $156,456 (6.3%) 0.00 13
    2021-10-01 $121,450 (-14.0%) $145,557 (-2.8%) 0.00 14
    2021-11-01 $126,000 (-17.4%) $153,279 (-1.1%) 0.00 14
    2021-12-01 $130,000 (-1.0%) $159,835 (10.1%) 0.00 18
    2022-01-01 $140,000 (7.7%) $184,376 (25.3%) 0.00 18
    2022-02-01 $148,500 (-7.1%) $209,587 (33.4%) 0.00 23
    2022-03-01 $149,000 (-6.8%) $212,275 (35.3%) 0.00 24
    2022-04-01 $149,000 (-6.5%) $223,525 (29.9%) 0.00 24
    2022-05-01 $172,500 (43.8%) $230,589 (31.0%) 0.00 18
    2022-06-01 $176,250 (43.9%) $221,774 (26.9%) 0.00 23
    2022-07-01 $180,000 (44.0%) $204,395 (15.5%) 0.00 21
    2022-08-01 $183,375 (25.2%) $217,252 (21.5%) 0.00 22
    2022-09-01 $171,750 (42.3%) $206,908 (32.3%) 0.00 25
    2022-10-01 $165,500 (36.3%) $198,312 (36.2%) 0.00 26
    2022-11-01 $167,750 (33.1%) $191,809 (25.1%) 0.00 26
    2022-12-01 $180,000 (38.5%) $201,370 (26.0%) 0.00 23
    2023-01-01 $179,000 (27.9%) $201,359 (9.2%) 0.00 27
    2023-02-01 $171,750 (15.7%) $193,080 (-7.9%) 0.00 23
    2023-03-01 $159,250 (6.9%) $190,987 (-10.0%) 0.00 21
    2023-04-01 $154,000 (3.4%) $193,407 (-13.5%) 0.00 24
    2023-05-01 $162,875 (-5.6%) $201,401 (-12.7%) 0.00 21
    2023-06-01 $177,250 (0.6%) $204,859 (-7.6%) 0.00 22
    2023-07-01 $161,750 (-10.1%) $206,747 (1.2%) 0.00 28
    2023-08-01 $155,500 (-15.2%) $197,413 (-9.1%) 0.00 31
    2023-09-01 $155,500 (-9.5%) $199,535 (-3.6%) 0.00 26
    2023-10-01 $138,000 (-16.6%) $187,988 (-5.2%) 0.00 24
    2023-11-01 $153,000 (-8.8%) $178,008 (-7.2%) 0.00 31
    2023-12-01 $155,500 (-13.6%) $176,481 (-12.4%) 0.00 32
    2024-01-01 $167,500 (-6.4%) $180,937 (-10.1%) 0.00 32
    2024-02-01 $166,225 (-3.2%) $183,114 (-5.2%) 0.00 32
    2024-03-01 $158,000 (-0.8%) $173,449 (-9.2%) 0.00 30
    Zapata's median listing price for 2024-03-01 was $158,000, a difference of $-1,250 (-0.8%) versus the prior year and $-8,225 versus the prior month.

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

    Zapata's average listing price for 2024-03-01 was $173,449, a difference of $-17,538 (-9.2%) versus the prior year and $-9,665 versus the prior month.

    For the 2024-03-01 period, Zapata had 30 MLS listings, a difference of -2 listings (-6%) versus the prior month and 9 listings (43%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Zapata (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,569 sqft
    2018-02-01 0 days 1,550 sqft
    2018-03-01 0 days 1,515 sqft
    2018-04-01 0 days 1,443 sqft
    2018-05-01 0 days 1,442 sqft
    2018-06-01 0 days 1,443 sqft
    2018-07-01 0 days 1,573 sqft
    2018-08-01 0 days 1,731 sqft
    2018-09-01 0 days 1,731 sqft
    2018-10-01 0 days 1,741 sqft
    2018-11-01 0 days 1,709 sqft
    2018-12-01 0 days 1,661 sqft
    2019-01-01 0 days 1,612 sqft
    2019-02-01 0 days 1,414 sqft
    2019-03-01 0 days 1,448 sqft
    2019-04-01 0 days 1,538 sqft
    2019-05-01 0 days 1,634 sqft
    2019-06-01 0 days 1,656 sqft
    2019-07-01 0 days 1,656 sqft
    2019-08-01 0 days 1,648 sqft
    2019-09-01 0 days 1,636 sqft
    2019-10-01 0 days 1,607 sqft
    2019-11-01 0 days 1,586 sqft
    2019-12-01 0 days 1,555 sqft
    2020-01-01 0 days 1,570 sqft
    2020-02-01 0 days 1,648 sqft
    2020-03-01 0 days 1,709 sqft
    2020-04-01 0 days 1,774 sqft
    2020-05-01 0 days 1,798 sqft
    2020-06-01 0 days 1,800 sqft
    2020-07-01 0 days 1,800 sqft
    2020-08-01 0 days 1,844 sqft
    2020-09-01 0 days 1,592 sqft
    2020-10-01 0 days 1,586 sqft
    2020-11-01 0 days 1,678 sqft
    2020-12-01 0 days 1,562 sqft
    2021-01-01 0 days 1,643 sqft
    2021-02-01 0 days 1,796 sqft
    2021-03-01 0 days 1,796 sqft
    2021-04-01 0 days 1,803 sqft
    2021-05-01 0 days 1,790 sqft
    2021-06-01 0 days 1,768 sqft
    2021-07-01 0 days 1,725 sqft
    2021-08-01 0 days 1,701 sqft
    2021-09-01 0 days 1,320 sqft
    2021-10-01 0 days 1,240 sqft
    2021-11-01 0 days 1,240 sqft
    2021-12-01 0 days 1,421 sqft
    2022-01-01 0 days 1,709 sqft
    2022-02-01 0 days 1,747 sqft
    2022-03-01 0 days 1,701 sqft
    2022-04-01 0 days 1,692 sqft
    2022-05-01 0 days 1,752 sqft
    2022-06-01 0 days 1,709 sqft
    2022-07-01 0 days 1,678 sqft
    2022-08-01 0 days 1,664 sqft
    2022-09-01 0 days 1,664 sqft
    2022-10-01 0 days 1,648 sqft
    2022-11-01 0 days 1,655 sqft
    2022-12-01 0 days 1,688 sqft
    2023-01-01 0 days 1,660 sqft
    2023-02-01 0 days 1,648 sqft
    2023-03-01 0 days 1,560 sqft
    2023-04-01 0 days 1,389 sqft
    2023-05-01 0 days 1,632 sqft
    2023-06-01 0 days 1,599 sqft
    2023-07-01 0 days 1,665 sqft
    2023-08-01 0 days 1,635 sqft
    2023-09-01 0 days 1,665 sqft
    2023-10-01 0 days 1,691 sqft
    2023-11-01 0 days 1,634 sqft
    2023-12-01 0 days 1,632 sqft
    2024-01-01 0 days 1,634 sqft
    2024-02-01 0 days 1,634 sqft
    2024-03-01 0 days 1,448 sqft
    Zapata's median listing age (time on market) for 2024-03-01 was 0 days.

    Zapata's median square footage for active listings during the 2024-03-01 period was 1,448 sqft. One year prior, the average listing was 1,560 sqft.