Houston VA Loan Rates, Closing Costs & Stats
HOUSTON-THE WOODLANDS-SUGAR LAND, 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.
Houston's 223 lenders originated 6,665 VA loans during 2023. The total origination value was $2,475,795,000, with an average VA loan value of $371,462.
Houston VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Houston
averaged
6.29%
for the week of 2025-02-14, compared to the national average (all VA variants) of
6.428% for the same period.
Houston's average VA mortgage closing costs are $6,671.
The average rate for the prior week (2025-02-07) was
6.33% and
one month ago for the week of 2025-01-10, the
average rate was 6.36%.
The average rate one year ago was 6.29%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.78%.
Houston 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 Houston level.
The top Houston VA lender as defined by loan originations is Mortgage Research Center, LLC, with
804 VA loans originated. Their average total fees are
$7,769, which is $1,052
higher than the next largest lender,
DHI MORTGAGE COMPANY, LTD..
The lowest fee Houston VA lenders (with over 10 loans originated) are
JPMorgan Chase Bank ($3,431), EAGLE HOME MORTGAGE, LLC ($3,440), MORTGAGE SOLUTIONS OF COLORADO, LLC ($3,590), CLM MORTGAGE, INC ($4,169) and PULTE MORTGAGE LLC ($4,463).
The lowest rate Houston VA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.60%), South Pacific Financial Corporation (5.37%), DHI MORTGAGE COMPANY, LTD. (5.41%), INSPIRE HOME LOANS INC. (5.45%) and BNC National Bank (5.49%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Houston (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 | $317,265 (2.7%) | $434,100 (2.9%) | 1.18 | 22,266 |
| 2018-02-01 | $320,412 (3.2%) | $441,180 (3.6%) | 1.17 | 22,196 |
| 2018-03-01 | $325,000 (2.8%) | $448,975 (3.5%) | 1.14 | 23,008 |
| 2018-04-01 | $328,498 (2.7%) | $455,783 (4.0%) | 1.12 | 24,958 |
| 2018-05-01 | $329,495 (3.0%) | $458,070 (4.6%) | 1.10 | 26,387 |
| 2018-06-01 | $328,993 (3.0%) | $455,241 (4.9%) | 1.10 | 27,819 |
| 2018-07-01 | $322,450 (2.4%) | $446,843 (4.7%) | 1.08 | 29,158 |
| 2018-08-01 | $318,900 (4.1%) | $439,322 (4.7%) | 1.07 | 29,577 |
| 2018-09-01 | $315,000 (2.7%) | $437,281 (3.3%) | 1.06 | 29,104 |
| 2018-10-01 | $311,239 (0.4%) | $436,000 (1.6%) | 1.06 | 28,840 |
| 2018-11-01 | $309,975 (-1.6%) | $436,231 (0.7%) | 1.05 | 28,281 |
| 2018-12-01 | $307,900 (-2.3%) | $432,185 (0.3%) | 1.06 | 27,179 |
| 2019-01-01 | $306,578 (-3.4%) | $430,842 (-0.8%) | 1.06 | 26,094 |
| 2019-02-01 | $310,000 (-3.3%) | $436,863 (-1.0%) | 1.05 | 26,367 |
| 2019-03-01 | $316,551 (-2.6%) | $447,379 (-0.4%) | 1.04 | 27,096 |
| 2019-04-01 | $322,450 (-1.8%) | $455,947 (0.0%) | 1.02 | 28,019 |
| 2019-05-01 | $324,728 (-1.5%) | $457,262 (-0.2%) | 1.02 | 29,109 |
| 2019-06-01 | $321,886 (-2.2%) | $453,532 (-0.4%) | 1.01 | 30,482 |
| 2019-07-01 | $316,750 (-1.8%) | $446,024 (-0.2%) | 0.99 | 31,339 |
| 2019-08-01 | $313,609 (-1.7%) | $443,347 (0.9%) | 0.99 | 30,746 |
| 2019-09-01 | $311,523 (-1.1%) | $441,707 (1.0%) | 1.00 | 29,942 |
| 2019-10-01 | $309,400 (-0.6%) | $440,614 (1.1%) | 1.00 | 29,223 |
| 2019-11-01 | $301,950 (-2.6%) | $439,613 (0.8%) | 1.00 | 28,339 |
| 2019-12-01 | $299,945 (-2.6%) | $437,381 (1.2%) | 1.00 | 26,526 |
| 2020-01-01 | $299,900 (-2.2%) | $438,646 (1.8%) | 1.00 | 25,174 |
| 2020-02-01 | $301,000 (-2.9%) | $443,793 (1.6%) | 0.99 | 25,238 |
| 2020-03-01 | $310,995 (-1.8%) | $452,319 (1.1%) | 0.98 | 26,050 |
| 2020-04-01 | $310,000 (-3.9%) | $448,202 (-1.7%) | 0.97 | 26,587 |
| 2020-05-01 | $319,000 (-1.8%) | $459,258 (0.4%) | 0.97 | 25,919 |
| 2020-06-01 | $324,999 (1.0%) | $476,774 (5.1%) | 0.96 | 23,911 |
| 2020-07-01 | $325,510 (2.8%) | $483,715 (8.5%) | 0.95 | 22,822 |
| 2020-08-01 | $329,000 (4.9%) | $491,230 (10.8%) | 0.94 | 21,928 |
| 2020-09-01 | $330,000 (5.9%) | $495,011 (12.1%) | 0.95 | 20,478 |
| 2020-10-01 | $330,000 (6.7%) | $493,834 (12.1%) | 0.95 | 19,832 |
| 2020-11-01 | $330,495 (9.5%) | $493,534 (12.3%) | 0.97 | 19,074 |
| 2020-12-01 | $329,000 (9.7%) | $491,334 (12.3%) | 0.98 | 17,689 |
| 2021-01-01 | $329,900 (10.0%) | $496,566 (13.2%) | 0.99 | 16,055 |
| 2021-02-01 | $332,495 (10.5%) | $506,256 (14.1%) | 0.97 | 14,173 |
| 2021-03-01 | $339,500 (9.2%) | $520,341 (15.0%) | 0.97 | 12,917 |
| 2021-04-01 | $349,250 (12.7%) | $536,706 (19.8%) | 0.95 | 12,240 |
| 2021-05-01 | $357,000 (11.9%) | $551,163 (20.0%) | 0.95 | 12,137 |
| 2021-06-01 | $364,700 (12.2%) | $552,699 (15.9%) | 0.96 | 13,482 |
| 2021-07-01 | $364,999 (12.1%) | $542,348 (12.1%) | 0.96 | 15,062 |
| 2021-08-01 | $361,062 (9.8%) | $525,178 (6.9%) | 0.96 | 16,415 |
| 2021-09-01 | $360,848 (9.4%) | $519,649 (5.0%) | 0.96 | 16,312 |
| 2021-10-01 | $359,900 (9.1%) | $517,026 (4.7%) | 0.96 | 15,721 |
| 2021-11-01 | $359,912 (8.9%) | $523,335 (6.0%) | 0.96 | 14,759 |
| 2021-12-01 | $359,750 (9.4%) | $520,614 (6.0%) | 0.98 | 13,500 |
| 2022-01-01 | $355,990 (7.9%) | $517,608 (4.2%) | 0.97 | 12,153 |
| 2022-02-01 | $360,760 (8.5%) | $528,836 (4.5%) | 0.94 | 11,116 |
| 2022-03-01 | $372,500 (9.7%) | $541,327 (4.0%) | 0.93 | 10,728 |
| 2022-04-01 | $389,000 (11.4%) | $556,779 (3.7%) | 0.93 | 11,057 |
| 2022-05-01 | $398,000 (11.5%) | $570,053 (3.4%) | 0.91 | 12,693 |
| 2022-06-01 | $398,478 (9.3%) | $559,992 (1.3%) | 0.89 | 14,951 |
| 2022-07-01 | $389,990 (6.9%) | $537,746 (-0.9%) | 0.88 | 18,511 |
| 2022-08-01 | $382,311 (5.9%) | $522,780 (-0.5%) | 0.88 | 20,221 |
| 2022-09-01 | $375,000 (3.9%) | $512,927 (-1.3%) | 0.88 | 20,541 |
| 2022-10-01 | $368,000 (2.3%) | $507,166 (-1.9%) | 0.87 | 20,934 |
| 2022-11-01 | $362,293 (0.7%) | $504,779 (-3.6%) | 0.87 | 21,322 |
| 2022-12-01 | $359,900 (0.0%) | $498,528 (-4.2%) | 0.89 | 20,174 |
| 2023-01-01 | $354,850 (-0.3%) | $494,234 (-4.5%) | 0.88 | 18,704 |
| 2023-02-01 | $357,528 (-0.9%) | $500,249 (-5.4%) | 0.87 | 17,890 |
| 2023-03-01 | $360,000 (-3.4%) | $506,078 (-6.5%) | 0.85 | 17,534 |
| 2023-04-01 | $370,000 (-4.9%) | $523,198 (-6.0%) | 0.86 | 17,266 |
| 2023-05-01 | $374,995 (-5.8%) | $526,343 (-7.7%) | 0.85 | 17,464 |
| 2023-06-01 | $376,525 (-5.5%) | $528,219 (-5.7%) | 0.85 | 18,581 |
| 2023-07-01 | $375,000 (-3.8%) | $526,830 (-2.0%) | 0.85 | 19,822 |
| 2023-08-01 | $374,244 (-2.1%) | $523,684 (0.2%) | 0.86 | 20,261 |
| 2023-09-01 | $369,900 (-1.4%) | $516,980 (0.8%) | 0.86 | 20,968 |
| 2023-10-01 | $367,995 (0.0%) | $511,815 (0.9%) | 0.87 | 21,924 |
| 2023-11-01 | $364,832 (0.7%) | $508,690 (0.8%) | 0.87 | 22,264 |
| 2023-12-01 | $359,900 (0.0%) | $503,186 (0.9%) | 0.88 | 21,529 |
| 2024-01-01 | $358,192 (0.9%) | $500,461 (1.3%) | 0.88 | 20,548 |
| 2024-02-01 | $359,900 (0.7%) | $505,413 (1.0%) | 0.87 | 20,803 |
| 2024-03-01 | $360,794 (0.2%) | $507,239 (0.2%) | 0.85 | 21,681 |
| 2024-04-01 | $369,000 (-0.3%) | $514,825 (-1.6%) | 0.86 | 22,848 |
| 2024-05-01 | $369,900 (-1.4%) | $513,464 (-2.5%) | 0.84 | 24,183 |
| 2024-06-01 | $369,900 (-1.8%) | $511,000 (-3.3%) | 0.83 | 25,992 |
| 2024-07-01 | $371,926 (-0.8%) | $511,770 (-2.9%) | 0.85 | 26,831 |
| 2024-08-01 | $374,999 (0.2%) | $508,899 (-2.8%) | 0.87 | 26,719 |
| 2024-09-01 | $369,998 (0.0%) | $502,928 (-2.7%) | 0.87 | 27,231 |
| 2024-10-01 | $369,250 (0.3%) | $498,435 (-2.6%) | 0.87 | 27,640 |
| 2024-11-01 | $365,000 (0.1%) | $492,641 (-3.2%) | 0.88 | 27,784 |
| 2024-12-01 | $360,509 (0.2%) | $486,314 (-3.4%) | 0.90 | 26,771 |
| 2025-01-01 | $359,000 (0.2%) | $482,841 (-3.5%) | 0.00 | 25,879 |
Houston's median listing price comes in at 0% of the national average.
Houston's average listing price for 2025-01-01 was $482,841, a difference of $-17,620 (-3.5%) versus the prior year and $-3,473 versus the prior month.
For the 2025-01-01 period, Houston had 25,879 MLS listings, a difference of -892 listings (-3%) versus the prior month and 5,331 listings (26%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Houston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 73 days | 2,526 sqft |
| 2018-02-01 | 62 days | 2,528 sqft |
| 2018-03-01 | 47 days | 2,554 sqft |
| 2018-04-01 | 44 days | 2,564 sqft |
| 2018-05-01 | 42 days | 2,579 sqft |
| 2018-06-01 | 44 days | 2,580 sqft |
| 2018-07-01 | 51 days | 2,558 sqft |
| 2018-08-01 | 52 days | 2,536 sqft |
| 2018-09-01 | 58 days | 2,508 sqft |
| 2018-10-01 | 61 days | 2,492 sqft |
| 2018-11-01 | 62 days | 2,482 sqft |
| 2018-12-01 | 67 days | 2,466 sqft |
| 2019-01-01 | 73 days | 2,446 sqft |
| 2019-02-01 | 63 days | 2,447 sqft |
| 2019-03-01 | 53 days | 2,467 sqft |
| 2019-04-01 | 50 days | 2,493 sqft |
| 2019-05-01 | 50 days | 2,504 sqft |
| 2019-06-01 | 51 days | 2,506 sqft |
| 2019-07-01 | 51 days | 2,490 sqft |
| 2019-08-01 | 54 days | 2,466 sqft |
| 2019-09-01 | 58 days | 2,446 sqft |
| 2019-10-01 | 61 days | 2,429 sqft |
| 2019-11-01 | 63 days | 2,407 sqft |
| 2019-12-01 | 69 days | 2,386 sqft |
| 2020-01-01 | 73 days | 2,373 sqft |
| 2020-02-01 | 61 days | 2,375 sqft |
| 2020-03-01 | 52 days | 2,389 sqft |
| 2020-04-01 | 58 days | 2,382 sqft |
| 2020-05-01 | 64 days | 2,404 sqft |
| 2020-06-01 | 59 days | 2,421 sqft |
| 2020-07-01 | 51 days | 2,420 sqft |
| 2020-08-01 | 51 days | 2,405 sqft |
| 2020-09-01 | 58 days | 2,386 sqft |
| 2020-10-01 | 58 days | 2,344 sqft |
| 2020-11-01 | 58 days | 2,316 sqft |
| 2020-12-01 | 59 days | 2,281 sqft |
| 2021-01-01 | 59 days | 2,248 sqft |
| 2021-02-01 | 51 days | 2,215 sqft |
| 2021-03-01 | 54 days | 2,221 sqft |
| 2021-04-01 | 45 days | 2,226 sqft |
| 2021-05-01 | 43 days | 2,238 sqft |
| 2021-06-01 | 40 days | 2,252 sqft |
| 2021-07-01 | 39 days | 2,257 sqft |
| 2021-08-01 | 40 days | 2,238 sqft |
| 2021-09-01 | 46 days | 2,222 sqft |
| 2021-10-01 | 52 days | 2,204 sqft |
| 2021-11-01 | 54 days | 2,185 sqft |
| 2021-12-01 | 53 days | 2,157 sqft |
| 2022-01-01 | 61 days | 2,125 sqft |
| 2022-02-01 | 40 days | 2,104 sqft |
| 2022-03-01 | 38 days | 2,125 sqft |
| 2022-04-01 | 35 days | 2,145 sqft |
| 2022-05-01 | 33 days | 2,176 sqft |
| 2022-06-01 | 31 days | 2,197 sqft |
| 2022-07-01 | 33 days | 2,199 sqft |
| 2022-08-01 | 38 days | 2,178 sqft |
| 2022-09-01 | 46 days | 2,155 sqft |
| 2022-10-01 | 48 days | 2,139 sqft |
| 2022-11-01 | 51 days | 2,127 sqft |
| 2022-12-01 | 59 days | 2,112 sqft |
| 2023-01-01 | 63 days | 2,083 sqft |
| 2023-02-01 | 54 days | 2,076 sqft |
| 2023-03-01 | 47 days | 2,078 sqft |
| 2023-04-01 | 43 days | 2,086 sqft |
| 2023-05-01 | 41 days | 2,095 sqft |
| 2023-06-01 | 40 days | 2,106 sqft |
| 2023-07-01 | 40 days | 2,125 sqft |
| 2023-08-01 | 42 days | 2,123 sqft |
| 2023-09-01 | 44 days | 2,104 sqft |
| 2023-10-01 | 46 days | 2,103 sqft |
| 2023-11-01 | 50 days | 2,095 sqft |
| 2023-12-01 | 56 days | 2,078 sqft |
| 2024-01-01 | 59 days | 2,045 sqft |
| 2024-02-01 | 48 days | 2,035 sqft |
| 2024-03-01 | 43 days | 2,040 sqft |
| 2024-04-01 | 43 days | 2,058 sqft |
| 2024-05-01 | 38 days | 2,061 sqft |
| 2024-06-01 | 40 days | 2,087 sqft |
| 2024-07-01 | 47 days | 2,114 sqft |
| 2024-08-01 | 51 days | 2,125 sqft |
| 2024-09-01 | 48 days | 2,115 sqft |
| 2024-10-01 | 50 days | 2,101 sqft |
| 2024-11-01 | 52 days | 2,082 sqft |
| 2024-12-01 | 59 days | 2,071 sqft |
| 2025-01-01 | 0 days | 2,050 sqft |
Houston's median square footage for active listings during the 2025-01-01 period was 2,050 sqft. One year prior, the average listing was 2,045 sqft.