Austin VA Loan Rates, Closing Costs & Stats
AUSTIN-ROUND ROCK-GEORGETOWN, TX
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Austin's 182 lenders originated 3,201 VA loans during 2024. The total origination value was $1,446,935,000, with an average VA loan value of $452,026.
Austin VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Austin
averaged
6.14%
for the week of 2025-04-04, compared to the national average (all VA variants) of
6.06% for the same period.
Austin's average VA mortgage closing costs are $146,548.
The average rate for the prior week (2025-03-28) was
5.96% and
one month ago for the week of 2025-02-28, the
average rate was 6.03%.
The average rate one year ago was 6.34%.
For refis of the same type during the week of 2025-04-04, the average rate
was 6.26%.
Austin VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Austin level.
The top Austin VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
295 VA loans originated. Their average total fees are
$7,516, which is $1,008
lower than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Austin VA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC ($2,801), AmeriHome Mortgage Company, LLC ($4,334), HOMEAMERICAN MORTGAGE CORPORATION ($4,816), MORTGAGE SOLUTIONS OF COLORADO, LLC ($5,121) and INSPIRE HOME LOANS INC. ($5,303).
The lowest rate Austin VA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.44%), HOMEAMERICAN MORTGAGE CORPORATION (4.84%), INSPIRE HOME LOANS INC. (4.88%), DHI MORTGAGE COMPANY, LTD. (4.91%) and PRIORITY HOME MORTGAGE, L.P. (5.00%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Austin (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 | $359,920 (-7.5%) | $554,842 (-5.1%) | 1.33 | 5,909 |
| 2018-02-01 | $365,500 (-7.2%) | $564,789 (-5.1%) | 1.33 | 5,883 |
| 2018-03-01 | $372,943 (-5.0%) | $571,884 (-4.4%) | 1.31 | 6,335 |
| 2018-04-01 | $376,249 (-5.7%) | $581,998 (-3.9%) | 1.28 | 6,922 |
| 2018-05-01 | $375,000 (-5.9%) | $577,404 (-3.1%) | 1.25 | 7,435 |
| 2018-06-01 | $374,900 (-4.6%) | $569,858 (-3.2%) | 1.25 | 7,943 |
| 2018-07-01 | $368,900 (-4.2%) | $550,738 (-4.7%) | 1.23 | 8,247 |
| 2018-08-01 | $362,481 (-3.8%) | $538,457 (-3.6%) | 1.21 | 8,369 |
| 2018-09-01 | $359,000 (-3.2%) | $535,475 (-4.3%) | 1.21 | 8,364 |
| 2018-10-01 | $349,995 (-4.1%) | $533,497 (-4.0%) | 1.19 | 8,342 |
| 2018-11-01 | $349,900 (-4.1%) | $528,593 (-4.4%) | 1.19 | 7,906 |
| 2018-12-01 | $348,967 (-3.7%) | $514,686 (-7.1%) | 1.20 | 7,089 |
| 2019-01-01 | $348,495 (-3.2%) | $515,425 (-7.1%) | 1.20 | 6,446 |
| 2019-02-01 | $349,950 (-4.3%) | $524,155 (-7.2%) | 1.18 | 6,397 |
| 2019-03-01 | $358,571 (-3.9%) | $543,203 (-5.0%) | 1.17 | 6,671 |
| 2019-04-01 | $369,995 (-1.7%) | $559,294 (-3.9%) | 1.17 | 7,037 |
| 2019-05-01 | $370,956 (-1.1%) | $571,300 (-1.1%) | 1.16 | 7,323 |
| 2019-06-01 | $369,000 (-1.6%) | $566,837 (-0.5%) | 1.15 | 7,726 |
| 2019-07-01 | $364,021 (-1.3%) | $561,011 (1.9%) | 1.14 | 7,999 |
| 2019-08-01 | $362,187 (-0.1%) | $558,828 (3.8%) | 1.15 | 7,913 |
| 2019-09-01 | $360,901 (0.5%) | $559,148 (4.4%) | 1.16 | 7,638 |
| 2019-10-01 | $359,450 (2.7%) | $559,240 (4.8%) | 1.16 | 7,410 |
| 2019-11-01 | $355,000 (1.5%) | $558,977 (5.8%) | 1.16 | 6,890 |
| 2019-12-01 | $349,996 (0.3%) | $551,663 (7.2%) | 1.17 | 6,059 |
| 2020-01-01 | $350,466 (0.6%) | $557,167 (8.1%) | 1.17 | 5,438 |
| 2020-02-01 | $363,845 (4.0%) | $594,072 (13.3%) | 1.19 | 5,102 |
| 2020-03-01 | $374,996 (4.6%) | $607,750 (11.9%) | 1.18 | 5,380 |
| 2020-04-01 | $369,745 (-0.1%) | $570,066 (1.9%) | 1.16 | 6,075 |
| 2020-05-01 | $379,999 (2.4%) | $599,651 (5.0%) | 1.16 | 6,360 |
| 2020-06-01 | $395,000 (7.1%) | $639,219 (12.8%) | 1.16 | 5,665 |
| 2020-07-01 | $396,495 (8.9%) | $633,499 (12.9%) | 1.15 | 5,313 |
| 2020-08-01 | $399,999 (10.4%) | $646,974 (15.8%) | 1.15 | 4,897 |
| 2020-09-01 | $415,495 (15.1%) | $665,438 (19.0%) | 1.19 | 4,175 |
| 2020-10-01 | $420,000 (16.9%) | $682,490 (22.0%) | 1.20 | 3,880 |
| 2020-11-01 | $422,250 (18.9%) | $681,955 (22.0%) | 1.23 | 3,346 |
| 2020-12-01 | $428,950 (22.6%) | $688,970 (24.9%) | 1.28 | 2,693 |
| 2021-01-01 | $434,990 (24.1%) | $713,704 (28.1%) | 1.30 | 1,809 |
| 2021-02-01 | $448,995 (23.4%) | $746,021 (25.6%) | 1.31 | 1,377 |
| 2021-03-01 | $467,498 (24.7%) | $727,846 (19.8%) | 1.33 | 1,538 |
| 2021-04-01 | $497,500 (34.6%) | $747,424 (31.1%) | 1.35 | 1,702 |
| 2021-05-01 | $500,000 (31.6%) | $755,916 (26.1%) | 1.33 | 1,945 |
| 2021-06-01 | $530,000 (34.2%) | $767,084 (20.0%) | 1.40 | 2,369 |
| 2021-07-01 | $540,000 (36.2%) | $760,259 (20.0%) | 1.42 | 3,072 |
| 2021-08-01 | $545,868 (36.5%) | $747,344 (15.5%) | 1.46 | 3,537 |
| 2021-09-01 | $546,975 (31.6%) | $753,091 (13.2%) | 1.46 | 3,791 |
| 2021-10-01 | $549,900 (30.9%) | $760,167 (11.4%) | 1.47 | 3,632 |
| 2021-11-01 | $549,450 (30.1%) | $771,827 (13.2%) | 1.47 | 3,179 |
| 2021-12-01 | $544,500 (26.9%) | $772,207 (12.1%) | 1.48 | 2,465 |
| 2022-01-01 | $549,000 (26.2%) | $807,178 (13.1%) | 1.48 | 1,741 |
| 2022-02-01 | $577,497 (28.6%) | $873,523 (17.1%) | 1.50 | 1,403 |
| 2022-03-01 | $600,000 (28.3%) | $910,444 (25.1%) | 1.50 | 1,582 |
| 2022-04-01 | $625,000 (25.6%) | $937,589 (25.4%) | 1.49 | 2,010 |
| 2022-05-01 | $629,479 (25.9%) | $904,405 (19.6%) | 1.44 | 3,588 |
| 2022-06-01 | $622,445 (17.4%) | $871,589 (13.6%) | 1.39 | 5,602 |
| 2022-07-01 | $599,800 (11.1%) | $851,024 (11.9%) | 1.35 | 7,395 |
| 2022-08-01 | $575,000 (5.3%) | $824,256 (10.3%) | 1.33 | 8,226 |
| 2022-09-01 | $559,089 (2.2%) | $803,164 (6.7%) | 1.31 | 8,490 |
| 2022-10-01 | $549,900 (0.0%) | $798,097 (5.0%) | 1.29 | 8,593 |
| 2022-11-01 | $531,430 (-3.3%) | $783,468 (1.5%) | 1.28 | 8,322 |
| 2022-12-01 | $525,000 (-3.6%) | $776,336 (0.5%) | 1.30 | 7,079 |
| 2023-01-01 | $522,000 (-4.9%) | $774,660 (-4.0%) | 1.29 | 6,302 |
| 2023-02-01 | $530,998 (-8.1%) | $810,762 (-7.2%) | 1.28 | 6,111 |
| 2023-03-01 | $549,945 (-8.3%) | $837,353 (-8.0%) | 1.30 | 6,526 |
| 2023-04-01 | $569,000 (-9.0%) | $862,864 (-8.0%) | 1.32 | 7,197 |
| 2023-05-01 | $583,505 (-7.3%) | $881,634 (-2.5%) | 1.32 | 7,624 |
| 2023-06-01 | $580,000 (-6.8%) | $880,877 (1.1%) | 1.30 | 8,281 |
| 2023-07-01 | $575,000 (-4.1%) | $866,565 (1.8%) | 1.31 | 8,519 |
| 2023-08-01 | $568,448 (-1.1%) | $853,235 (3.5%) | 1.31 | 8,609 |
| 2023-09-01 | $557,000 (-0.4%) | $852,547 (6.2%) | 1.30 | 8,721 |
| 2023-10-01 | $549,900 (0.0%) | $844,116 (5.8%) | 1.29 | 8,758 |
| 2023-11-01 | $549,495 (3.4%) | $831,478 (6.1%) | 1.31 | 8,496 |
| 2023-12-01 | $539,990 (2.9%) | $825,179 (6.3%) | 1.32 | 7,317 |
| 2024-01-01 | $544,988 (4.4%) | $827,848 (6.9%) | 1.33 | 6,431 |
| 2024-02-01 | $542,000 (2.1%) | $835,846 (3.1%) | 1.30 | 6,608 |
| 2024-03-01 | $549,783 (0.0%) | $867,123 (3.6%) | 1.29 | 7,556 |
| 2024-04-01 | $557,748 (-2.0%) | $878,866 (1.9%) | 1.30 | 8,895 |
| 2024-05-01 | $560,000 (-4.0%) | $874,761 (-0.8%) | 1.27 | 9,902 |
| 2024-06-01 | $549,900 (-5.2%) | $848,485 (-3.7%) | 1.25 | 10,911 |
| 2024-07-01 | $537,000 (-6.6%) | $822,213 (-5.1%) | 1.23 | 11,114 |
| 2024-08-01 | $525,000 (-7.6%) | $805,343 (-5.6%) | 1.22 | 10,814 |
| 2024-09-01 | $520,000 (-6.6%) | $800,881 (-6.1%) | 1.22 | 10,710 |
| 2024-10-01 | $520,000 (-5.4%) | $806,414 (-4.5%) | 1.22 | 10,377 |
| 2024-11-01 | $499,990 (-9.0%) | $776,834 (-6.6%) | 1.20 | 9,806 |
| 2024-12-01 | $498,500 (-7.7%) | $770,997 (-6.6%) | 1.24 | 8,258 |
| 2025-01-01 | $494,667 (-9.2%) | $764,878 (-7.6%) | 1.24 | 7,488 |
| 2025-02-01 | $499,000 (-7.9%) | $780,770 (-6.6%) | 1.21 | 7,905 |
| 2025-03-01 | $510,000 (-7.2%) | $800,485 (-7.7%) | 0.00 | 9,229 |
Austin's median listing price comes in at 0% of the national average.
Austin's average listing price for 2025-03-01 was $800,485, a difference of $-66,638 (-7.7%) versus the prior year and $19,715 versus the prior month.
For the 2025-03-01 period, Austin had 9,229 MLS listings, a difference of 1,324 listings (17%) versus the prior month and 1,673 listings (22%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Austin (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 72 days | 2,253 sqft |
| 2018-02-01 | 60 days | 2,277 sqft |
| 2018-03-01 | 44 days | 2,306 sqft |
| 2018-04-01 | 41 days | 2,327 sqft |
| 2018-05-01 | 42 days | 2,312 sqft |
| 2018-06-01 | 46 days | 2,298 sqft |
| 2018-07-01 | 50 days | 2,274 sqft |
| 2018-08-01 | 52 days | 2,236 sqft |
| 2018-09-01 | 57 days | 2,213 sqft |
| 2018-10-01 | 60 days | 2,181 sqft |
| 2018-11-01 | 63 days | 2,173 sqft |
| 2018-12-01 | 70 days | 2,164 sqft |
| 2019-01-01 | 76 days | 2,143 sqft |
| 2019-02-01 | 62 days | 2,161 sqft |
| 2019-03-01 | 48 days | 2,198 sqft |
| 2019-04-01 | 44 days | 2,222 sqft |
| 2019-05-01 | 44 days | 2,218 sqft |
| 2019-06-01 | 44 days | 2,209 sqft |
| 2019-07-01 | 48 days | 2,199 sqft |
| 2019-08-01 | 50 days | 2,180 sqft |
| 2019-09-01 | 55 days | 2,168 sqft |
| 2019-10-01 | 57 days | 2,158 sqft |
| 2019-11-01 | 60 days | 2,150 sqft |
| 2019-12-01 | 67 days | 2,140 sqft |
| 2020-01-01 | 69 days | 2,145 sqft |
| 2020-02-01 | 59 days | 2,150 sqft |
| 2020-03-01 | 43 days | 2,154 sqft |
| 2020-04-01 | 43 days | 2,124 sqft |
| 2020-05-01 | 51 days | 2,150 sqft |
| 2020-06-01 | 52 days | 2,158 sqft |
| 2020-07-01 | 47 days | 2,116 sqft |
| 2020-08-01 | 44 days | 2,089 sqft |
| 2020-09-01 | 49 days | 2,067 sqft |
| 2020-10-01 | 45 days | 2,018 sqft |
| 2020-11-01 | 45 days | 1,966 sqft |
| 2020-12-01 | 52 days | 1,953 sqft |
| 2021-01-01 | 53 days | 1,938 sqft |
| 2021-02-01 | 35 days | 1,939 sqft |
| 2021-03-01 | 26 days | 2,027 sqft |
| 2021-04-01 | 20 days | 2,058 sqft |
| 2021-05-01 | 22 days | 2,068 sqft |
| 2021-06-01 | 14 days | 2,054 sqft |
| 2021-07-01 | 17 days | 2,087 sqft |
| 2021-08-01 | 23 days | 2,100 sqft |
| 2021-09-01 | 28 days | 2,102 sqft |
| 2021-10-01 | 31 days | 2,090 sqft |
| 2021-11-01 | 37 days | 2,103 sqft |
| 2021-12-01 | 46 days | 2,093 sqft |
| 2022-01-01 | 46 days | 2,088 sqft |
| 2022-02-01 | 20 days | 2,066 sqft |
| 2022-03-01 | 15 days | 2,073 sqft |
| 2022-04-01 | 14 days | 2,111 sqft |
| 2022-05-01 | 16 days | 2,125 sqft |
| 2022-06-01 | 21 days | 2,149 sqft |
| 2022-07-01 | 30 days | 2,110 sqft |
| 2022-08-01 | 40 days | 2,101 sqft |
| 2022-09-01 | 51 days | 2,085 sqft |
| 2022-10-01 | 56 days | 2,070 sqft |
| 2022-11-01 | 60 days | 2,051 sqft |
| 2022-12-01 | 72 days | 2,047 sqft |
| 2023-01-01 | 79 days | 2,045 sqft |
| 2023-02-01 | 70 days | 2,074 sqft |
| 2023-03-01 | 51 days | 2,093 sqft |
| 2023-04-01 | 44 days | 2,123 sqft |
| 2023-05-01 | 44 days | 2,134 sqft |
| 2023-06-01 | 45 days | 2,138 sqft |
| 2023-07-01 | 50 days | 2,134 sqft |
| 2023-08-01 | 55 days | 2,125 sqft |
| 2023-09-01 | 58 days | 2,117 sqft |
| 2023-10-01 | 60 days | 2,095 sqft |
| 2023-11-01 | 65 days | 2,099 sqft |
| 2023-12-01 | 74 days | 2,087 sqft |
| 2024-01-01 | 77 days | 2,093 sqft |
| 2024-02-01 | 60 days | 2,086 sqft |
| 2024-03-01 | 40 days | 2,090 sqft |
| 2024-04-01 | 42 days | 2,102 sqft |
| 2024-05-01 | 43 days | 2,106 sqft |
| 2024-06-01 | 51 days | 2,092 sqft |
| 2024-07-01 | 58 days | 2,078 sqft |
| 2024-08-01 | 65 days | 2,072 sqft |
| 2024-09-01 | 72 days | 2,070 sqft |
| 2024-10-01 | 73 days | 2,067 sqft |
| 2024-11-01 | 77 days | 2,038 sqft |
| 2024-12-01 | 80 days | 2,019 sqft |
| 2025-01-01 | 82 days | 2,014 sqft |
| 2025-02-01 | 66 days | 2,017 sqft |
| 2025-03-01 | 0 days | 2,038 sqft |
Austin's median square footage for active listings during the 2025-03-01 period was 2,038 sqft. One year prior, the average listing was 2,090 sqft.