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 262 lenders originated 8,348 VA loans during 2022. The total origination value was $3,076,920,000, with an average VA loan value of $368,582.

Houston VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Houston averaged 6.63% for the week of 2023-09-22, compared to the national average (all VA variants) of 6.823% for the same period.

Houston's average VA mortgage closing costs are $6,381.

The average rate for the prior week (2023-09-15) was 6.61% and one month ago for the week of 2023-08-18, the average rate was 6.69%.

The average rate one year ago was 5.46%.

For refis of the same type during the week of 2023-09-22, the average rate was 5.82%.

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

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.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Mortgage Research Center, LLC 1,061 5.02% $9,018
DHI MORTGAGE COMPANY, LTD. 403 4.12% $7,786
NAVY FEDERAL CREDIT UNION 366 4.19% $8,368
UNITED WHOLESALE MORTGAGE, LLC 361 4.52% $8,472
LOANDEPOT.COM, LLC 275 4.74% $11,976
EAGLE HOME MORTGAGE, LLC 247 4.36% $4,651
QUICKEN LOANS, LLC 243 4.02% $12,487
ARK-LA-TEX FINANCIAL SERVICES, LLC. 232 4.56% $7,161
USAA Federal Savings Bank 223 4.45% $8,991
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 195 4.84% $9,660
AMCAP MORTGAGE, LTD. 176 4.86% $12,602
FREEDOM MORTGAGE CORPORATION 158 4.15% $8,668
CORNERSTONE HOME LENDING, INC. 158 4.92% $8,002
PENNYMAC LOAN SERVICES, LLC 155 3.17% $8,015
CMG MORTGAGE, INC. 116 4.90% $11,875
PRIMELENDING, A PLAINSCAPITAL COMPANY 111 4.64% $13,026
Flagstar Bank, FSB 109 4.21% $9,307
INTERLINC MORTGAGE SERVICES, LLC 101 4.63% $9,520
GUARANTEED RATE, INC. 96 4.74% $8,128
Gateway First Bank 84 4.72% $9,558
PULTE MORTGAGE LLC 81 4.82% $4,638
CROSSCOUNTRY MORTGAGE, LLC 79 5.01% $11,008
NATIONS RELIABLE LENDING, LLC 78 5.22% $10,847
HOME POINT FINANCIAL CORPORATION 75 4.47% $12,329
CARDINAL FINANCIAL 75 4.90% $12,519
MORTGAGE SOLUTIONS OF COLORADO, LLC 74 5.91% $7,685
CLM MORTGAGE, INC 73 4.94% $5,567
MOVEMENT MORTGAGE, LLC 71 4.89% $9,542
Mr. Cooper ( Nationstar Mortgage ) 71 3.34% $5,594
CALIBER HOME LOANS, INC. 70 4.23% $10,690
PENTAGON FEDERAL CREDIT UNION 64 3.43% $7,162
Network Funding, L.P. 64 4.91% $12,970
AMERICAN PACIFIC MORTGAGE CORPORATION 62 4.92% $10,579
CRESTMARK MORTGAGE COMPANY, LTD. 62 4.61% $9,423
INSPIRE HOME LOANS INC. 61 4.57% $6,510
EVERETT FINANCIAL, INC. 57 5.40% $6,198
CHERRY CREEK MORTGAGE, LLC 55 4.70% $5,995
GUARANTEED RATE AFFINITY, LLC 51 4.53% $8,896
Wells Fargo Bank 49 4.03% $8,510
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 49 4.48% $7,077
Paramount Residential Mortgage Group, Inc. 44 4.75% $9,764
ADVISA MORTGAGE SERVICES, LTD. 44 4.68% $11,357
T2 FINANCIAL LLC 43 5.00% $11,430
South Pacific Financial Corporation 41 4.48% $12,300
VELOCIO MORTGAGE L.L.C. 41 4.59% $7,086
KBHS HOME LOANS, LLC 38 4.57% $11,591
GUILD MORTGAGE COMPANY 38 4.90% $13,463
Citizens Bank 36 4.87% $10,136
PLAZA HOME MORTGAGE, INC. 35 4.52% $8,671
M/I FINANCIAL, LLC 34 4.69% $11,479
SWBC MORTGAGE CORPORATION 33 4.71% $13,361
LEGEND LENDING CORPORATION 31 5.38% $18,287
BROKER SOLUTIONS, INC. 29 4.81% $9,586
Nations Lending Corporation 29 4.77% $9,173
THRIVE MORTGAGE, LLC 28 4.90% $12,696
LAKEVIEW LOAN SERVICING, LLC 28 2.92% $3,288
MID AMERICA MORTGAGE, INC. 27 4.99% $16,249
GIBRALTAR MORTGAGE SERVICES, LLC 26 4.61% $10,977
Barrington Bank & Trust Company, N.A. 25 4.62% $7,652
ASPIRE FINANCIAL, INC. 24 3.98% $10,815
VILLAGE CAPITAL MORTGAGE 24 2.99% $4,654
CORNERSTONE MORTGAGE PARTNERS OF TEXAS, L.P. 23 5.10% $6,999
FC LENDING, LTD. 22 4.77% $7,682
First United Bank and Trust Company 21 4.38% $15,337
MUTUAL OF OMAHA MORTGAGE, INC. 21 4.46% $10,445
Equity Prime Mortgage LLC 21 5.35% $9,030
HOMETRUST MORTGAGE COMPANY 20 4.87% $8,797
BancorpSouth 19 4.61% $9,606
North American Savings Bank, F.S.B. 19 3.87% $11,647
SUCCESS MORTGAGE PARTNERS, INC. 19 5.30% $13,444
EUSTIS AND AMERICAN MORTGAGE COMPANY 19 4.55% $6,986
NEWREZ LLC 19 4.26% $8,256
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 18 4.85% $12,804
NBKC BANK 18 4.44% $7,529
DRAPER AND KRAMER MORTGAGE CORP. 17 4.46% $11,791
CERTAINTY HOME LOANS, LLC 17 4.66% $10,014
JPMorgan Chase Bank 16 4.34% $7,636
ENVOY MORTGAGE, LTD 16 5.55% $9,850
CLEARPATH LENDING 16 2.83% $5,801
FINANCE OF AMERICA MORTGAGE LLC 16 4.03% $9,423
Carrington Mortgage Services, LLC 16 4.21% $5,017
Mid-Continent Funding, Inc. 16 5.03% $11,863
AMERISAVE MORTGAGE CORPORATION 16 4.51% $9,730
PLANET HOME LENDING, LLC 16 3.31% $3,945
HOMEBRIDGE FINANCIAL SERVICES, INC. 16 4.23% $9,344
NEW DAY FINANCIAL, LLC 15 3.51% $11,992
FIRST CONTINENTAL MORTGAGE, LTD. 14 3.73% $11,634
PREMIA MORTGAGE, LLC 14 4.69% $5,958
Century Mortgage Company DBA Century Lending Company 14 5.19% $9,941
MORTGAGE FINANCIAL SERVICES, LLC 13 4.55% $9,540
NATIONS DIRECT MORTGAGE, LLC 12 4.45% $7,867
UNION HOME MORTGAGE CORP. 12 4.67% $12,349
TJC Mortgage, Inc. 12 4.05% $10,697
TOWNE MORTGAGE COMPANY 12 3.77% $9,228
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 11 5.86% $8,663
BAY EQUITY LLC 11 5.48% $9,986
SENTE MORTGAGE, INC. 11 4.65% $14,866
AMERICA'S CHOICE HOME LOANS LP 11 5.22% $9,653
Lakeview Community Capital, LLC 10 2.97% $4,213
Trinity Oaks Mortgage, LLC 10 4.94% $14,989
S1L, Inc. 9 4.71% $9,343
HANCOCK MORTGAGE PARTNERS, LLC 9 4.86% $11,331
OPEN MORTGAGE, LLC 9 5.15% $10,322
SECURITYNATIONAL MORTGAGE COMPANY 8 4.79% $17,691
Watermark Capital, Inc. 8 3.52% $14,342
TEXAS DOW EMPLOYEES CREDIT UNION 8 4.98% $7,322
Northpointe Bank 8 4.73% $15,677
Republic State Mortgage Co. 8 4.58% $10,499
SUN WEST MORTGAGE COMPANY, INC. 8 4.58% $13,134
ACADEMY MORTGAGE CORPORATION 8 5.48% $10,119
ZILLOW HOME LOANS, LLC 7 4.54% $9,036
U.S. Bank 7 4.93% $10,992
PRIORITY HOME MORTGAGE, L.P. 7 3.96% $14,070
Bank of England 7 4.96% $8,543
Credence Funding Corporation 7 2.82% $3,302
FIRST EQUITY MORTGAGE INCORPORATED 7 4.46% $9,341
The Federal Savings Bank 7 5.07% $7,727
SUMMIT FUNDING, INC. 7 4.41% $6,278
NP, Inc. 7 2.55% $5,978
Encompass Lending Group, LP 6 5.88% $11,384
HOMESIDE FINANCIAL, LLC 6 5.21% $8,404
Sunflower Bank 6 3.91% $8,586
The Home Loan Expert LLC 6 5.10% $17,871
Plains Commerce Bank 6 5.58% $9,692
The Central Trust Bank 6 4.54% $8,226
LEADERONE FINANCIAL CORPORATION 6 5.37% $9,177
BNC National Bank 6 3.92% $14,306
TBI MORTGAGE COMPANY 6 3.98% $7,167
First Guaranty Mortgage Corporation 5 3.15% $8,822
NTFN, INC. 5 4.73% $7,450
Prosperity Home Mortgage, LLC 5 4.03% $8,590
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 5 5.03% $11,489
Town Square Mortgage & Investments, Inc. 5 4.95% $13,195
Armed Forces Bank 5 4.78% $7,710
CANOPY MORTGAGE, LLC 5 4.70% $10,705
KELLER MORTGAGE, LLC 5 4.45% $5,993
OCMBC, INC. 5 5.83% $11,272
First Home Bank 5 3.90% $10,351
Regions Bank 4 4.75% $8,979
Ixonia Bank 4 7.00% $15,213
GREAT WESTERN FINANCIAL SERVICES, INC. 4 4.63% $5,389
GENEVA FINANCIAL, LLC 4 4.94% $16,626
First Mortgage Solutions, LLC 4 3.31% $13,613
LHM FINANCIAL CORPORATION 4 4.47% $12,457
First Financial Bank 4 5.13% $8,719
Shea Mortgage Inc. 4 4.88% $4,090
FIRST CENTENNIAL MORTGAGE CORPORATION 4 5.31% $10,495
Low VA Rates, LLC 4 4.94% $10,897
Cornerstone First Mortgage, Inc 4 4.91% $4,718
MORIA DEVELOPMENT, INC. 4 5.50% $10,029
Truist 4 4.25% $11,363
Colonial Savings, F.A. 4 5.63% $10,399
CALCON MUTUAL MORTGAGE LLC 4 5.00% $12,947
Bank of America 4 5.13% $12,967
Austin Capital Bank SSB 4 5.94% $11,917
Prosperity Bank 4 4.66% $17,564
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 4.66% $8,296
NFM, INC. 4 4.56% $10,196
DIRECT MORTGAGE LOANS, LLC 3 5.04% $11,785
RESIDENTIAL BANCORP 3 5.00% $6,532
Strong Home Mortgage, LLC 3 3.88% $12,701
Wolfe Financial, Inc 3 6.71% $6,623
OVM FINANCIAL, INC. 3 5.17% $11,211
Origin Bank 3 4.96% $5,120
First National Bank Texas 3 4.96% $9,354
Independent Bank 3 5.08% $8,647
LOANPAL, LLC 3 3.29% $13,341
First Horizon Bank 3 4.54% $14,292
NETWORK CAPITAL FUNDING CORPORATION 3 2.96% $3,136
American Bank of Oklahoma 3 4.50% $14,292
RB MORTGAGE LLC 3 3.96% $10,000
PANORAMA MORTGAGE GROUP, LLC 3 5.00% $11,050
MORTGAGE ACCESS CORP. 3 4.08% $15,021
Amerifirst Financial, Inc. 3 4.54% $19,679
Trustmark National Bank 3 5.17% $12,307
Commerce Home Mortgage, Inc. 3 2.92% $4,833
NexBank 3 4.54% $7,031
CITY FIRST MORTGAGE SERVICES, L.L.C. 3 5.00% $13,119
City Bank 3 4.91% $11,572
Zions Bank 2 3.44% $11,828
AMERICAN FINANCING CORPORATION 2 3.69% $13,129
Arvest Bank 2 3.88% $14,167
CHURCHILL MORTGAGE CORPORATION 2 4.25% $29,000
Community First National Bank 2 6.06% $5,896
DAS Acquisition Company, LLC 2 5.81% $13,386
FirstBank 2 3.88% $3,036
First Western Trust Bank 2 5.06% $6,344
Florida Capital Bank 2 5.69% $6,967
Goldwater Bank, N.A. 2 5.19% $10,789
HOME FINANCING UNLIMITED, INC. 2 3.94% $18,037
HOMESTAR FINANCIAL CORPORATION 2 5.50% $7,041
INTERCAP LENDING INC. 2 4.00% $21,538
International Bank of Commerce 2 5.31% $8,054
LADERA LENDING, INC. 2 5.31% $6,585
Loan Simple, Inc. 2 5.31% $6,945
Magnolia Bank 2 4.88% $9,010
MICHIGAN MUTUAL, INC. 2 3.94% $24,939
MORTGAGEONE, INC. 2 5.75% $5,403
Neighborhood Loans, Inc. 2 6.13% $4,664
ON Q FINANCIAL, INC. 2 3.00% $9,246
Prime Choice Funding Inc. 2 2.63% $4,704
SFMC, LP 2 4.12% $10,228
SIRVA MORTGAGE, INC. 2 4.50% $7,433
SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C 2 5.32% $3,062
SOUTHWEST FUNDING, LP 2 5.06% $9,144
Victorian Finance, LLC 2 4.81% $18,102
V.I.P. MORTGAGE, INC. 2 3.62% $8,046
NASA Federal Credit Union 1 2.75% $11,368
M&T Bank 1 3.63% $6,283
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.75% $6,131
MORTGAGE MANAGEMENT CONSULTANTS, INC. 1 5.75% $16,932
MEGASTAR FINANCIAL CORP. 1 3.75% $6,768
LRS FINANCIAL NETWORK, INC. 1 3.50% $29,403
AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 4.50% $5,641
LOANPEOPLE, LLC 1 6.38% $11,051
WILLOW BEND MORTGAGE COMPANY, LLC 1 5.13% $5,715
AMERICAN FINANCIAL RESOURCES, INC. 1 7.13% $5,103
KINECTA 1 4.75% $10,757
Wyndham Capital Mortgage, Inc. 1 3.25% $7,446
SOUTHWEST STAGE FUNDING, LLC 1 5.88% $0
STANDARD MORTGAGE CORPORATION 1 3.25% $3,474
Stride Bank 1 6.25% $22,500
JMJ FINANCIAL GROUP 1 4.63% $12,428
JMAC LENDING, INC. 1 5.88% $12,251
JET HOMELOANS, LLC 1 6.75% $0
INTERCOASTAL MORTGAGE COMPANY 1 2.88% $24,972
Hometown Lenders, Inc. 1 5.13% $16,720
Hometown Equity Mortgage, LLC 1 6.13% $6,101
HOMESPIRE MORTGAGE CORPORATION 1 3.75% $8,300
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.38% $16,538
Home Federal Bank 1 4.50% $10,604
GSF Mortgage Corporation 1 5.13% $9,140
FLAT BRANCH MORTGAGE, INC. 1 4.13% $7,057
First Liberty Bank 1 5.75% $10,677
THE MORTGAGE FIRM, INC. 1 5.25% $35,190
FIDELITY BANK 1 6.75% $1,022
FBC MORTGAGE, LLC 1 5.75% $7,473
TOTAL MORTGAGE SERVICES, LLC 1 5.50% $13,313
Towne Bank 1 6.88% $4,229
Evolve Bank & Trust 1 2.88% $2,431
Eagle Bank and Trust Company 1 6.13% $6,882
DELMAR FINANCIAL COMPANY 1 4.99% $11,994
COMPASS MORTGAGE, INC. 1 2.75% $9,069
Commercial Bank of Texas 1 5.88% $12,929
CASTLE & COOKE MORTGAGE, LLC 1 5.75% $8,927
United Fidelity Funding Corp. 1 5.75% $9,708
Bell Bank 1 4.50% $11,780
BAYSHORE MORTGAGE FUNDING, LLC 1 2.88% $7,485
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 3.99% $17,790
Assurance Financial Group, L.L.C. 1 4.12% $15,303
VERITAS FUNDING, LLC 1 5.13% $10,944
1ST PREFERENCE MORTGAGE CORP. 1 4.75% $675
ANGEL OAK HOME LOANS LLC 1 4.13% $13,981
1st National Bank 1 4.50% $10,650
Wallick & Volk, Inc. 1 3.25% $12,355
Ameris Bank 1 5.63% $11,683
PREMIER MORTGAGE RESOURCES, L.L.C. 1 5.75% $7,564
PHH Mortgage Corporation 1 3.50% $3,021
Peoples Bank 1 4.63% $26,250
RANLIFE, INC. 1 3.99% $10,793
Paramount Bank 1 3.25% $16,482
Pacific Lending LLC 1 5.63% $16,324

The top Houston VA lender as defined by loan originations is Mortgage Research Center, LLC, with 1,061 VA loans originated. Their average total fees are $9,018, which is $1,232 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

The lowest fee Houston VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC ($3,288), PLANET HOME LENDING, LLC ($3,945), Lakeview Community Capital, LLC ($4,213), PULTE MORTGAGE LLC ($4,638) and EAGLE HOME MORTGAGE, LLC ($4,651).

The lowest rate Houston VA lenders (with over 10 loans originated) are CLEARPATH LENDING (2.83%), LAKEVIEW LOAN SERVICING, LLC (2.92%), Lakeview Community Capital, LLC (2.97%), VILLAGE CAPITAL MORTGAGE (2.99%) and PENNYMAC LOAN SERVICES, LLC (3.17%).


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 $318,500 (2.8%) $435,101 (2.9%) 1.18 22,151
2018-02-01 $321,500 (3.2%) $442,053 (3.6%) 1.17 22,076
2018-03-01 $325,000 (2.6%) $449,739 (3.5%) 1.14 22,887
2018-04-01 $329,000 (2.8%) $456,442 (3.9%) 1.12 24,826
2018-05-01 $329,950 (3.1%) $458,813 (4.5%) 1.10 26,243
2018-06-01 $329,000 (2.8%) $455,935 (4.8%) 1.10 27,668
2018-07-01 $322,450 (2.4%) $447,515 (4.7%) 1.08 29,011
2018-08-01 $319,179 (4.0%) $440,004 (4.7%) 1.07 29,414
2018-09-01 $315,000 (2.3%) $437,992 (3.3%) 1.06 28,944
2018-10-01 $312,635 (0.5%) $436,691 (1.6%) 1.06 28,677
2018-11-01 $310,000 (-1.6%) $436,923 (0.6%) 1.05 28,131
2018-12-01 $308,500 (-2.1%) $432,833 (0.2%) 1.06 27,035
2019-01-01 $307,553 (-3.4%) $431,463 (-0.8%) 1.06 25,957
2019-02-01 $310,000 (-3.6%) $437,512 (-1.0%) 1.05 26,232
2019-03-01 $317,197 (-2.4%) $448,041 (-0.4%) 1.04 26,951
2019-04-01 $322,747 (-1.9%) $456,565 (0.0%) 1.02 27,860
2019-05-01 $324,900 (-1.5%) $457,913 (-0.2%) 1.02 28,941
2019-06-01 $322,900 (-1.9%) $454,214 (-0.4%) 1.01 30,294
2019-07-01 $317,498 (-1.5%) $446,881 (-0.1%) 0.99 31,134
2019-08-01 $313,609 (-1.8%) $444,203 (1.0%) 0.99 30,553
2019-09-01 $311,523 (-1.1%) $442,570 (1.1%) 1.00 29,762
2019-10-01 $309,450 (-1.0%) $441,482 (1.1%) 1.00 29,055
2019-11-01 $304,900 (-1.7%) $440,436 (0.8%) 1.00 28,189
2019-12-01 $299,993 (-2.8%) $438,357 (1.3%) 1.00 26,378
2020-01-01 $299,900 (-2.5%) $439,589 (1.9%) 1.00 25,042
2020-02-01 $302,993 (-2.3%) $444,785 (1.7%) 0.99 25,095
2020-03-01 $311,547 (-1.8%) $453,253 (1.2%) 0.98 25,888
2020-04-01 $310,496 (-3.8%) $449,070 (-1.6%) 0.97 26,429
2020-05-01 $319,000 (-1.8%) $460,142 (0.5%) 0.97 25,768
2020-06-01 $325,000 (0.7%) $477,817 (5.2%) 0.96 23,772
2020-07-01 $326,500 (2.8%) $484,728 (8.5%) 0.95 22,699
2020-08-01 $329,000 (4.9%) $492,141 (10.8%) 0.94 21,824
2020-09-01 $331,677 (6.5%) $495,643 (12.0%) 0.95 20,379
2020-10-01 $332,700 (7.5%) $494,429 (12.0%) 0.95 19,732
2020-11-01 $332,500 (9.1%) $494,308 (12.2%) 0.97 18,974
2020-12-01 $329,250 (9.8%) $492,115 (12.3%) 0.98 17,584
2021-01-01 $329,990 (10.0%) $497,427 (13.2%) 0.99 15,962
2021-02-01 $332,500 (9.7%) $507,063 (14.0%) 0.97 14,096
2021-03-01 $340,750 (9.4%) $521,108 (15.0%) 0.97 12,848
2021-04-01 $349,450 (12.6%) $538,445 (19.9%) 0.95 12,167
2021-05-01 $359,000 (12.5%) $552,721 (20.1%) 0.95 12,061
2021-06-01 $364,995 (12.3%) $554,122 (16.0%) 0.96 13,417
2021-07-01 $365,000 (11.8%) $543,600 (12.2%) 0.96 14,993
2021-08-01 $361,770 (10.0%) $526,155 (6.9%) 0.96 16,345
2021-09-01 $361,250 (8.9%) $520,518 (5.0%) 0.96 16,232
2021-10-01 $359,900 (8.2%) $517,938 (4.8%) 0.96 15,644
2021-11-01 $359,950 (8.3%) $524,426 (6.1%) 0.96 14,683
2021-12-01 $359,945 (9.3%) $521,845 (6.0%) 0.98 13,422
2022-01-01 $357,500 (8.3%) $518,902 (4.3%) 0.97 12,067
2022-02-01 $361,831 (8.8%) $530,280 (4.6%) 0.94 11,034
2022-03-01 $373,161 (9.5%) $542,582 (4.1%) 0.93 10,664
2022-04-01 $389,900 (11.6%) $558,155 (3.7%) 0.93 10,993
2022-05-01 $398,500 (11.0%) $571,096 (3.3%) 0.91 12,632
2022-06-01 $399,000 (9.3%) $560,766 (1.2%) 0.89 14,881
2022-07-01 $390,000 (6.9%) $538,606 (-0.9%) 0.88 18,404
2022-08-01 $382,656 (5.8%) $523,691 (-0.5%) 0.88 20,118
2022-09-01 $375,754 (4.0%) $513,745 (-1.3%) 0.88 20,437
2022-10-01 $368,990 (2.5%) $508,093 (-1.9%) 0.87 20,808
2022-11-01 $363,476 (1.0%) $505,780 (-3.6%) 0.87 21,190
2022-12-01 $359,900 (0.0%) $499,331 (-4.3%) 0.89 20,044
2023-01-01 $354,950 (-0.7%) $495,098 (-4.6%) 0.88 18,580
2023-02-01 $358,495 (-0.9%) $501,196 (-5.5%) 0.87 17,766
2023-03-01 $360,000 (-3.5%) $507,278 (-6.5%) 0.85 17,406
2023-04-01 $371,500 (-4.7%) $524,655 (-6.0%) 0.86 17,136
2023-05-01 $375,000 (-5.9%) $528,071 (-7.5%) 0.85 17,318
2023-06-01 $378,650 (-5.1%) $530,048 (-5.5%) 0.85 18,393
2023-07-01 $376,000 (-3.6%) $528,157 (-1.9%) 0.85 19,673
2023-08-01 $374,950 (-2.0%) $525,148 (0.3%) 0.86 20,110
Houston's median listing price for 2023-08-01 was $374,950, a difference of $-7,706 (-2.0%) versus the prior year and $-1,050 versus the prior month.

Houston's median listing price comes in at 86% of the national average.

Houston's average listing price for 2023-08-01 was $525,148, a difference of $1,457 (0.3%) versus the prior year and $-3,009 versus the prior month.

For the 2023-08-01 period, Houston had 20,110 MLS listings, a difference of 437 listings (2%) versus the prior month and -8 listings (0%) 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 2,531 sqft
2018-02-01 62 days 2,531 sqft
2018-03-01 46 days 2,558 sqft
2018-04-01 44 days 2,569 sqft
2018-05-01 42 days 2,582 sqft
2018-06-01 44 days 2,584 sqft
2018-07-01 51 days 2,561 sqft
2018-08-01 53 days 2,539 sqft
2018-09-01 58 days 2,513 sqft
2018-10-01 61 days 2,496 sqft
2018-11-01 62 days 2,485 sqft
2018-12-01 67 days 2,469 sqft
2019-01-01 73 days 2,449 sqft
2019-02-01 63 days 2,450 sqft
2019-03-01 53 days 2,471 sqft
2019-04-01 50 days 2,497 sqft
2019-05-01 50 days 2,507 sqft
2019-06-01 51 days 2,512 sqft
2019-07-01 51 days 2,495 sqft
2019-08-01 54 days 2,471 sqft
2019-09-01 57 days 2,450 sqft
2019-10-01 61 days 2,432 sqft
2019-11-01 63 days 2,410 sqft
2019-12-01 69 days 2,389 sqft
2020-01-01 73 days 2,376 sqft
2020-02-01 61 days 2,380 sqft
2020-03-01 53 days 2,392 sqft
2020-04-01 58 days 2,384 sqft
2020-05-01 64 days 2,408 sqft
2020-06-01 59 days 2,423 sqft
2020-07-01 51 days 2,424 sqft
2020-08-01 51 days 2,408 sqft
2020-09-01 58 days 2,388 sqft
2020-10-01 58 days 2,348 sqft
2020-11-01 58 days 2,320 sqft
2020-12-01 59 days 2,283 sqft
2021-01-01 59 days 2,253 sqft
2021-02-01 51 days 2,218 sqft
2021-03-01 54 days 2,222 sqft
2021-04-01 45 days 2,230 sqft
2021-05-01 43 days 2,241 sqft
2021-06-01 40 days 2,254 sqft
2021-07-01 39 days 2,258 sqft
2021-08-01 40 days 2,241 sqft
2021-09-01 46 days 2,225 sqft
2021-10-01 52 days 2,209 sqft
2021-11-01 54 days 2,190 sqft
2021-12-01 53 days 2,160 sqft
2022-01-01 61 days 2,128 sqft
2022-02-01 40 days 2,108 sqft
2022-03-01 38 days 2,128 sqft
2022-04-01 35 days 2,148 sqft
2022-05-01 33 days 2,178 sqft
2022-06-01 31 days 2,198 sqft
2022-07-01 33 days 2,200 sqft
2022-08-01 38 days 2,180 sqft
2022-09-01 46 days 2,158 sqft
2022-10-01 48 days 2,140 sqft
2022-11-01 51 days 2,130 sqft
2022-12-01 59 days 2,114 sqft
2023-01-01 63 days 2,086 sqft
2023-02-01 54 days 2,080 sqft
2023-03-01 47 days 2,081 sqft
2023-04-01 43 days 2,092 sqft
2023-05-01 41 days 2,098 sqft
2023-06-01 40 days 2,111 sqft
2023-07-01 40 days 2,128 sqft
2023-08-01 42 days 2,126 sqft
Houston's median listing age (time on market) for 2023-08-01 was 42 days. This is 11% longer than the same period one year ago.

Houston's median square footage for active listings during the 2023-08-01 period was 2,126 sqft. One year prior, the average listing was 2,180 sqft.

VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.