Houston VA Loans

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 308 lenders originated 17,349 VA loans during 2021. The total origination value was $5,210,855,000, with an average VA loan value of $300,355.

Houston VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Houston averaged 6.19% for the week of 2022-09-23, compared to the national average (all VA variants) of 5.992% for the same period.

The average rate for the prior week (2022-09-16) was 6.35% and one month ago for the week of 2022-08-19, the average rate was 5.3%.

The average rate one year ago was 3.01%.

For refis of the same type during the week of 2022-09-23, the average rate was 6.13%.

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 and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Houston level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
FREEDOM MORTGAGE CORPORATION 1,463 2.43% $3,161
Mortgage Research Center, LLC 1,349 2.84% $7,195
QUICKEN LOANS, LLC 897 2.40% $4,459
PENNYMAC LOAN SERVICES, LLC 692 2.33% $6,067
NAVY FEDERAL CREDIT UNION 472 2.46% $6,327
LOANDEPOT.COM, LLC 459 2.78% $7,248
USAA Federal Savings Bank 436 2.85% $5,195
UNITED WHOLESALE MORTGAGE, LLC 380 2.54% $5,903
DHI MORTGAGE COMPANY, LTD. 378 2.76% $6,505
LAKEVIEW LOAN SERVICING, LLC 303 2.46% $3,103
Mr. Cooper ( Nationstar Mortgage ) 295 2.71% $4,079
CALIBER HOME LOANS, INC. 287 2.55% $5,094
CLEARPATH LENDING 284 2.35% $4,257
ARK-LA-TEX FINANCIAL SERVICES, LLC. 280 2.95% $5,923
VILLAGE CAPITAL MORTGAGE 265 2.38% $3,240
AMCAP MORTGAGE, LTD. 250 3.01% $10,475
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 210 2.99% $8,250
Wells Fargo Bank 193 2.51% $4,844
CORNERSTONE HOME LENDING, INC. 193 3.15% $6,873
EAGLE HOME MORTGAGE, LLC 191 2.98% $5,401
NEW DAY FINANCIAL, LLC 190 2.45% $5,690
GUARANTEED RATE, INC. 189 2.79% $6,743
HOME POINT FINANCIAL CORPORATION 175 2.52% $5,455
Gateway First Bank 172 2.88% $6,346
Lakeview Community Capital, LLC 143 2.53% $2,963
CMG MORTGAGE, INC. 137 2.94% $10,268
CROSSCOUNTRY MORTGAGE, LLC 113 2.97% $9,004
NEWREZ LLC 107 2.60% $3,986
MID AMERICA MORTGAGE, INC. 103 3.04% $5,380
PENTAGON FEDERAL CREDIT UNION 103 2.34% $3,634
PRIMELENDING, A PLAINSCAPITAL COMPANY 103 3.06% $11,066
INTERLINC MORTGAGE SERVICES, LLC 103 3.14% $8,235
PLANET HOME LENDING, LLC 99 2.47% $3,301
NATIONS RELIABLE LENDING, LLC 99 3.34% $9,684
Network Funding, L.P. 98 2.87% $7,065
HOMEBRIDGE FINANCIAL SERVICES, INC. 97 2.57% $5,897
MOVEMENT MORTGAGE, LLC 94 2.90% $7,107
Low VA Rates, LLC 89 2.43% $3,982
Flagstar Bank, FSB 89 2.60% $8,222
PULTE MORTGAGE LLC 86 2.88% $4,924
GUILD MORTGAGE COMPANY 79 2.93% $8,582
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 75 2.81% $8,913
CLM MORTGAGE, INC 74 2.78% $5,123
Barrington Bank & Trust Company, N.A. 73 2.83% $5,065
CRESTMARK MORTGAGE COMPANY, LTD. 71 2.79% $8,250
PLAZA HOME MORTGAGE, INC. 70 2.63% $6,944
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 68 2.86% $6,576
HOMETRUST MORTGAGE COMPANY 67 2.83% $8,569
BROKER SOLUTIONS, INC. 66 2.71% $7,008
AMERICAN FINANCIAL NETWORK, INC. 66 2.50% $10,248
SWBC MORTGAGE CORPORATION 64 2.93% $8,539
Carrington Mortgage Services, LLC 63 3.20% $4,882
Paramount Residential Mortgage Group, Inc. 63 2.87% $8,155
AMERICAN PACIFIC MORTGAGE CORPORATION 62 2.97% $8,215
First Guaranty Mortgage Corporation 58 2.54% $4,775
ADVISA MORTGAGE SERVICES, LTD. 56 2.86% $8,918
GUARANTEED RATE AFFINITY, LLC 56 2.61% $5,940
InterContinental Capital Group, Inc 54 2.32% $3,762
CHERRY CREEK MORTGAGE, LLC 54 2.78% $6,062
NP, Inc. 50 2.36% $5,424
Citizens Bank 48 2.61% $7,868
ACADEMY MORTGAGE CORPORATION 48 2.96% $9,900
THRIVE MORTGAGE, LLC 47 3.16% $9,999
South Pacific Financial Corporation 45 2.61% $10,029
Nations Lending Corporation 45 2.71% $7,918
INSPIRE HOME LOANS INC. 44 2.89% $6,977
NBKC BANK 44 2.47% $8,336
ACCELERATE MORTGAGE, LLC 44 2.18% $5,483
VELOCIO MORTGAGE L.L.C. 43 2.94% $6,387
CORNERSTONE MORTGAGE PARTNERS OF TEXAS, L.P. 43 3.06% $9,145
ASPIRE FINANCIAL, INC. 43 2.41% $3,913
GIBRALTAR MORTGAGE SERVICES, LLC 40 2.91% $9,542
FIRST CONTINENTAL MORTGAGE, LTD. 38 2.91% $8,652
MUTUAL OF OMAHA MORTGAGE, INC. 38 2.77% $6,169
SUN WEST MORTGAGE COMPANY, INC. 37 2.49% $3,913
KBHS HOME LOANS, LLC 33 3.08% $7,863
PRIORITY HOME MORTGAGE, L.P. 32 2.91% $10,821
MORTGAGE SOLUTIONS OF COLORADO, LLC 32 3.39% $7,571
CERTAINTY HOME LOANS, LLC 30 2.96% $8,374
AMERISAVE MORTGAGE CORPORATION 30 2.56% $6,529
The Federal Savings Bank 30 2.61% $5,196
North American Savings Bank, F.S.B. 30 2.47% $6,076
M/I FINANCIAL, LLC 30 2.79% $8,091
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 30 3.15% $8,116
ENVOY MORTGAGE, LTD 29 3.10% $11,018
BNC National Bank 29 2.34% $6,040
EUSTIS AND AMERICAN MORTGAGE COMPANY 29 2.61% $6,718
KELLER MORTGAGE, LLC 28 2.82% $11,779
First United Bank and Trust Company 27 2.76% $8,033
MORTGAGE FINANCIAL SERVICES, LLC 27 2.98% $8,375
AmeriHome Mortgage Company, LLC 26 2.88% $2,988
LEGEND LENDING CORPORATION 25 3.10% $8,670
NATIONS DIRECT MORTGAGE, LLC 25 3.26% $7,088
CALCON MUTUAL MORTGAGE LLC 25 3.61% $8,047
Commerce Home Mortgage, Inc. 24 2.66% $4,176
TJC Mortgage, Inc. 24 2.44% $4,422
Equity Prime Mortgage LLC 21 3.35% $6,067
EVERETT FINANCIAL, INC. 20 3.36% $8,426
FINANCE OF AMERICA MORTGAGE LLC 19 2.64% $7,280
T2 FINANCIAL LLC 18 2.88% $8,645
First Mortgage Solutions, LLC 16 2.35% $6,347
Republic State Mortgage Co. 16 2.95% $7,398
STEARNS LENDING, LLC 16 2.48% $3,786
Trinity Oaks Mortgage, LLC 15 2.95% $10,044
CHURCHILL MORTGAGE CORPORATION 15 2.82% $7,042
GENEVA FINANCIAL, LLC 15 3.03% $6,836
LEADERONE FINANCIAL CORPORATION 15 2.89% $8,847
AMERICA'S CHOICE HOME LOANS LP 14 2.88% $7,572
SENTE MORTGAGE, INC. 14 2.99% $9,521
UNION HOME MORTGAGE CORP. 14 2.53% $5,997
FBC MORTGAGE, LLC 13 2.65% $9,649
LOANPAL, LLC 13 2.53% $4,240
Manufacturers and Traders Trust Company 13 2.54% $5,164
Mid-Continent Funding, Inc. 13 2.73% $13,141
U.S. Bank 13 2.86% $8,337
Goldwater Bank, N.A. 13 3.05% $8,977
BancorpSouth Bank 13 2.80% $4,993
HOMESIDE FINANCIAL, LLC 13 2.76% $4,802
Paramount Bank 13 2.58% $9,419
Strong Home Mortgage, LLC 12 2.35% $8,037
First Home Bank 12 3.02% $6,771
ZILLOW HOME LOANS, LLC 12 2.58% $8,341
SOUTHWEST FUNDING, LP 11 3.05% $13,284
SECURITYNATIONAL MORTGAGE COMPANY 11 2.99% $9,814
Ixonia Bank 11 3.16% $10,044
Credence Funding Corporation 11 2.44% $2,716
Colonial Savings, F.A. 11 2.90% $7,768
AMERICAN FINANCING CORPORATION 11 2.47% $4,224
BOKF 11 2.72% $9,581
DRAPER AND KRAMER MORTGAGE CORP. 11 2.85% $9,509
CONTOUR MORTGAGE CORPORATION 10 2.45% $3,918
TOWNE MORTGAGE COMPANY 10 3.07% $6,992
S1L, Inc. 10 3.18% $7,673
PRIMARY RESIDENTIAL MORTGAGE, INC. 10 3.19% $7,339
PREMIA MORTGAGE, LLC 10 2.48% $6,759
VAN DYK MORTGAGE CORPORATION 9 2.88% $4,856
NETWORK CAPITAL FUNDING CORPORATION 9 2.51% $2,529
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 9 3.24% $6,065
Encompass Lending Group, LP 9 2.79% $13,677
Amerifirst Financial, Inc. 8 2.83% $9,975
Northpointe Bank 8 2.98% $6,572
HANCOCK MORTGAGE PARTNERS, LLC 8 3.30% $8,603
SOVEREIGN LENDING GROUP INCORPORATED 8 2.71% $3,003
Magnolia Bank 8 2.47% $4,608
NOVA FINANCIAL & INVESTMENT CORPORATION 7 2.84% $4,441
BAY EQUITY LLC 7 2.82% $7,564
FC LENDING, LTD. 7 3.01% $11,787
PILGRIM MORTGAGE LLC 7 2.50% $6,828
Shea Mortgage Inc. 7 2.55% $7,140
First Federal Bank of Kansas City 7 2.34% $4,093
Hometown Equity Mortgage, LLC 6 3.15% $9,710
JPMorgan Chase Bank 6 2.73% $6,303
First Savings Bank 6 2.60% $9,486
SOUTHWEST STAGE FUNDING, LLC 6 3.17% $5,247
LHM FINANCIAL CORPORATION 6 3.10% $11,796
LIBERTY HOME MORTGAGE CORPORATION 6 2.42% $6,697
FIRST EQUITY MORTGAGE INCORPORATED 6 2.63% $10,668
MORTGAGE ACCESS CORP. 6 2.71% $9,822
Sunflower Bank 6 2.68% $5,550
First National Bank Texas 5 2.90% $7,569
Hometown Lenders, Inc. 5 3.40% $5,270
First Horizon Bank 5 2.63% $12,034
Wyndham Capital Mortgage, Inc. 5 2.25% $3,450
Meridian Bank Corporation 5 2.28% $4,054
Origin Bank 5 3.10% $7,054
Wolfe Financial, Inc 5 3.73% $6,079
Independent Bank 5 3.13% $4,515
Capital Bank 5 2.35% $3,602
CELEBRITY HOME LOANS, LLC 5 2.83% $9,995
Prime Choice Funding Inc. 5 2.53% $3,844
HOME FINANCING UNLIMITED, INC. 5 2.78% $9,465
Trustmark National Bank 5 2.53% $9,414
SUCCESS MORTGAGE PARTNERS, INC. 4 3.03% $18,294
Armed Forces Bank 4 2.38% $3,035
MICHIGAN MUTUAL, INC. 4 3.28% $13,113
OCMBC, INC. 4 3.13% $7,983
KS StateBank 4 2.34% $4,401
City Bank 4 2.88% $9,555
INLANTA MORTGAGE, INC. 4 2.78% $14,299
Prosperity Home Mortgage, LLC 4 2.91% $6,037
TBI MORTGAGE COMPANY 4 2.59% $13,197
FLAT BRANCH MORTGAGE, INC. 4 3.09% $10,675
HOMEWAY MORTGAGE LLC 4 2.94% $10,170
Truist 4 2.88% $2,367
V.I.P. MORTGAGE, INC. 4 3.06% $4,716
ANGEL OAK HOME LOANS LLC 4 2.75% $15,329
FirstBank 4 2.50% $6,078
Loan Simple, Inc. 4 3.19% $6,344
Wallick & Volk, Inc. 4 2.72% $11,788
OPEN MORTGAGE, LLC 4 3.16% $6,500
SIWELL, INC. 4 2.59% $3,722
First Financial Bank 4 2.56% $3,115
TEXAS DOW EMPLOYEES CREDIT UNION 3 3.50% $11,503
AMERICAN FINANCIAL RESOURCES, INC. 3 4.04% $4,312
Bank of England 3 2.71% $6,909
BAYSHORE MORTGAGE FUNDING, LLC 3 2.88% $6,342
BECKAM FUNDING CORP. 3 3.33% $7,106
Cadence Bank, N.A. 3 2.54% $10,436
CANOPY MORTGAGE, LLC 3 2.67% $7,154
CITY FIRST MORTGAGE SERVICES, L.L.C. 3 3.63% $11,755
DIRECTIONS EQUITY, LLC 3 3.00% $13,134
GREAT WESTERN FINANCIAL SERVICES, INC. 3 2.75% $6,382
Guaranty Bank & Trust, N.A. 3 2.54% $19,497
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 2.79% $19,336
INTERCAP LENDING INC. 3 2.29% $1,854
MEMBER FIRST MORTGAGE, LLC 3 2.96% $10,821
ML Mortgage Corp. 3 2.71% $3,086
NBH Bank 3 2.42% $1,797
NexBank 3 2.92% $17,655
NFM, INC. 3 3.46% $5,319
PHH Mortgage Corporation 3 3.25% $2,626
Presidential Bank, FSB 3 2.33% $3,776
Regions Bank 3 2.58% $3,037
SFMC, LP 3 3.13% $12,611
SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C 3 2.67% $8,658
Texana Bank 3 2.38% $3,982
SIRVA MORTGAGE, INC. 2 3.38% $12,143
Town Square Mortgage & Investments, Inc. 2 3.44% $5,249
HOMESTEAD FUNDING CORP. 2 2.25% $4,908
SeaTrust Mortgage Company 2 2.75% $4,380
BELEM SERVICING LLC 2 2.75% $2,459
EMBRACE HOME LOANS, INC. 2 2.31% $6,291
First Western Trust Bank 2 2.19% $1,415
SOUTHPOINT FINANCIAL SERVICES, INC. 2 3.13% $4,448
First Option Mortgage, LLC 2 3.69% $4,665
Zions Bancorporation, N.A. 2 2.94% $4,660
BARTON CREEK LENDING GROUP, LLC 2 2.63% $6,034
First Midwest Bank 2 2.31% $5,283
Austin Capital Bank SSB 2 2.94% $8,339
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 3.06% $11,311
Assurance Financial Group, L.L.C. 2 2.44% $4,334
Prosperity Bank 2 2.63% $17,049
The Central Trust Bank 2 2.50% $2,922
SRE MORTGAGE ALLIANCE INC. 2 2.06% $6,225
WILLOW BEND MORTGAGE COMPANY, LLC 2 2.88% $3,970
Ameris Bank 2 2.75% $4,492
The Home Loan Expert LLC 2 2.31% $5,314
ALL WESTERN MORTGAGE, INC. 2 3.13% $11,580
CityWorth Mortgage LLC 2 2.25% $2,889
OVM FINANCIAL, INC. 2 3.31% $13,840
Stifel Bank and Trust 2 2.38% $6,877
Stride Bank 2 2.88% $6,354
OCEANSIDE MORTGAGE COMPANY 2 2.25% $2,007
LADERA LENDING, INC. 2 2.56% $4,800
S&S Financial 1 2.25% $5,394
FIRST COMMUNITY MORTGAGE, INC. 1 3.13% $5,399
First Bank & Trust 1 3.75% $11,272
First Bank 1 2.75% $3,089
SUMMIT FUNDING, INC. 1 2.99% $8,475
EVANSVILLE TEACHERS 1 3.00% $4,170
Eagle Bank and Trust Company 1 2.25% $16,321
DELMAR FINANCIAL COMPANY 1 2.38% $4,436
Community First National Bank 1 2.00% $3,126
1ST FINANCIAL, INC. 1 3.75% $2,409
TEXAS TECH 1 2.75% $4,351
THE EQUITABLE MORTGAGE CORPORATION 1 2.38% $5,830
COMMUNITYAMERICA 1 2.75% $17,876
The Huntington National Bank 1 2.75% $25,373
TIAA, FSB 1 2.50% $3,231
Cf Bank 1 2.25% $36,078
TOP FLITE FINANCIAL, INC. 1 3.75% $4,078
Blue Ridge Bank 1 2.25% $4,269
BKCO MORTGAGE, LLC 1 2.25% $2,920
BEST CAPITAL FUNDING 1 2.50% $4,167
BBVA USA 1 2.88% $6,932
Union Savings Bank 1 2.25% $2
United Fidelity Funding Corp. 1 2.50% $10,900
UNITED MORTGAGE CORP. 1 2.25% $2,974
UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 3.25% $4,159
Bank of America 1 3.00% $38,388
Victorian Finance, LLC 1 2.38% $10,233
Arvest Bank 1 2.75% $2,454
ARC HOME LLC 1 2.75% $4,207
AmRes Corporation 1 2.75% $1,803
WESTERN EXPRESS LENDING 1 2.99% $4,022
WESTSTAR MORTGAGE CORPORATION 1 2.38% $2,273
Opendoor Home Loans LLC 1 2.25% $12,102
PANORAMA MORTGAGE GROUP, LLC 1 3.25% $9,692
ONY GLO, INC. 1 2.38% $4,814
NATIONWIDE MORTGAGE BANKERS, INC. 1 3.00% $6,586
NTFN, INC. 1 2.25% $1,925
Willamette Valley Bank 1 2.25% $15,007
MORIA DEVELOPMENT, INC. 1 3.63% $11,341
LRS FINANCIAL NETWORK, INC. 1 2.25% $6,918
Platinum Home Mortgage Corporation 1 3.75% $3,485
LOANFLIGHT LENDING, LLC 1 2.38% $3,850
PLUS RELOCATION MORTGAGE, LLC 1 3.13% $11,995
PNC Bank 1 2.63% $3,290
Lend Smart Mortgage, LLC 1 2.75% $3,779
LENDING 3, INC. 1 2.25% $7,625
JMJ FINANCIAL GROUP 1 2.75% $9,362
INTEGRITY MORTGAGE CORPORATION OF TEXAS 1 2.50% $11,141
INFINITY MORTGAGE HOLDINGS, LLC 1 3.25% $9,522
IMPAC MORTGAGE CORP. 1 2.38% $1,915
R Bank 1 2.50% $4,218
American Mortgage Bank, LLC 1 2.50% $4,780
Renasant Bank 1 2.50% $8,581
HOMESPIRE MORTGAGE CORPORATION 1 3.88% $8,248
RESIDENTIAL BANCORP. 1 2.25% $3,554
RESIDENTIAL HOME FUNDING CORP. 1 2.50% $4,071
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 2.88% $3,891
Hawthorn Bank 1 2.13% $8,469
HAMILTON HOME LOANS, INC. 1 3.00% $3,375
GSF Mortgage Corporation 1 2.25% $3,281
Great Plains National Bank 1 2.25% $11,616
Florida Capital Bank 1 2.13% $3,328
AHL FUNDING 1 3.25% $4,263
First Federal Bank 1 2.75% $1,952

The top Houston VA lender as defined by loan originations is FREEDOM MORTGAGE CORPORATION, with 1,463 VA loans originated. Their average total fees are $3,161, which is $4,034 lower than the next largest lender, Mortgage Research Center, LLC.

The lowest fee Houston VA lenders (with over 10 loans originated) are Credence Funding Corporation ($2,716), Lakeview Community Capital, LLC ($2,963), AmeriHome Mortgage Company, LLC ($2,988), LAKEVIEW LOAN SERVICING, LLC ($3,103) and FREEDOM MORTGAGE CORPORATION ($3,161).

The lowest rate Houston VA lenders (with over 10 loans originated) are ACCELERATE MORTGAGE, LLC (2.18%), InterContinental Capital Group, Inc (2.32%), PENNYMAC LOAN SERVICES, LLC (2.33%), BNC National Bank (2.34%) and PENTAGON FEDERAL CREDIT UNION (2.34%).


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 $318,218 (2.9%) $434,232 (3.1%) 1.17 22,542
2018-02-01 $321,792 (3.8%) $441,013 (4.0%) 1.16 22,496
2018-03-01 $325,000 (3.1%) $448,450 (3.7%) 1.12 23,396
2018-04-01 $329,106 (2.9%) $455,117 (4.1%) 1.10 25,319
2018-05-01 $329,929 (3.1%) $457,619 (4.7%) 1.10 26,750
2018-06-01 $329,000 (3.0%) $455,069 (5.1%) 1.10 28,186
2018-07-01 $323,780 (3.1%) $446,621 (5.0%) 1.08 29,519
2018-08-01 $319,450 (4.1%) $439,461 (5.0%) 1.07 29,954
2018-09-01 $317,500 (3.0%) $437,962 (3.8%) 1.06 29,436
2018-10-01 $314,900 (1.6%) $436,177 (1.9%) 1.05 29,161
2018-11-01 $310,000 (-1.6%) $436,193 (1.1%) 1.04 28,620
2018-12-01 $309,000 (-1.9%) $431,533 (0.4%) 1.06 27,464
2019-01-01 $309,450 (-2.8%) $431,363 (-0.7%) 1.07 26,390
2019-02-01 $311,598 (-3.2%) $437,425 (-0.8%) 1.04 26,579
2019-03-01 $318,728 (-1.9%) $447,895 (-0.1%) 1.04 27,229
2019-04-01 $324,356 (-1.4%) $456,595 (0.3%) 1.02 28,189
2019-05-01 $324,964 (-1.5%) $457,695 (0.0%) 1.00 29,249
2019-06-01 $324,000 (-1.5%) $454,060 (-0.2%) 1.00 30,548
2019-07-01 $318,000 (-1.8%) $446,609 (0.0%) 0.99 31,454
2019-08-01 $313,081 (-2.0%) $443,388 (0.9%) 0.99 30,486
2019-09-01 $310,008 (-2.4%) $441,639 (0.8%) 0.98 29,349
2019-10-01 $309,950 (-1.6%) $440,437 (1.0%) 0.99 29,288
2019-11-01 $305,000 (-1.6%) $440,568 (1.0%) 0.98 28,375
2019-12-01 $299,999 (-2.9%) $438,028 (1.5%) 1.00 26,651
2020-01-01 $299,990 (-3.1%) $442,408 (2.6%) 1.00 25,281
2020-02-01 $305,000 (-2.1%) $449,159 (2.7%) 0.98 25,308
2020-03-01 $314,998 (-1.2%) $457,919 (2.2%) 0.98 26,182
2020-04-01 $314,990 (-2.9%) $453,195 (-0.7%) 0.98 26,805
2020-05-01 $320,000 (-1.5%) $463,552 (1.3%) 0.97 25,914
2020-06-01 $328,084 (1.3%) $482,952 (6.4%) 0.96 23,939
2020-07-01 $327,923 (3.1%) $485,403 (8.7%) 0.94 22,833
2020-08-01 $329,900 (5.4%) $494,085 (11.4%) 0.94 21,926
2020-09-01 $339,950 (9.7%) $510,845 (15.7%) 0.97 20,467
2020-10-01 $340,480 (9.9%) $510,746 (16.0%) 0.97 19,718
2020-11-01 $340,000 (11.5%) $510,543 (15.9%) 0.97 19,036
2020-12-01 $334,500 (11.5%) $500,863 (14.4%) 0.98 17,674
2021-01-01 $330,000 (10.0%) $499,078 (12.8%) 0.97 15,938
2021-02-01 $334,559 (9.7%) $508,113 (13.1%) 0.96 14,129
2021-03-01 $341,450 (8.4%) $521,481 (13.9%) 0.96 12,808
2021-04-01 $349,700 (11.0%) $539,757 (19.1%) 0.94 12,133
2021-05-01 $359,900 (12.5%) $554,489 (19.6%) 0.95 12,060
2021-06-01 $366,052 (11.6%) $556,646 (15.3%) 0.95 13,451
2021-07-01 $366,041 (11.6%) $545,427 (12.4%) 0.95 14,756
2021-08-01 $363,780 (10.3%) $526,524 (6.6%) 0.96 16,354
2021-09-01 $364,253 (7.2%) $521,905 (2.2%) 0.96 16,293
2021-10-01 $360,000 (5.7%) $519,609 (1.7%) 0.95 15,727
2021-11-01 $361,600 (6.4%) $525,366 (2.9%) 0.95 14,741
2021-12-01 $359,995 (7.6%) $521,480 (4.1%) 0.96 13,465
2022-01-01 $357,655 (8.4%) $519,234 (4.0%) 0.95 12,059
2022-02-01 $362,494 (8.4%) $530,947 (4.5%) 0.92 11,026
2022-03-01 $373,733 (9.5%) $542,520 (4.0%) 0.92 10,603
2022-04-01 $389,900 (11.5%) $559,761 (3.7%) 0.92 10,865
2022-05-01 $399,000 (10.9%) $574,175 (3.6%) 0.89 12,575
2022-06-01 $399,250 (9.1%) $564,146 (1.4%) 0.89 14,812
2022-07-01 $392,790 (7.3%) $541,089 (-0.8%) 0.87 18,394
2022-08-01 $383,000 (5.3%) $524,434 (-0.4%) 0.88 20,141
Houston's median listing price for 2022-08-01 was $383,000, a difference of $19,220 (5.3%) versus the prior year and $-9,790 versus the prior month.

Houston's median listing price comes in at 88% of the national average.

Houston's average listing price for 2022-08-01 was $524,434, a difference of $-2,090 (-0.4%) versus the prior year and $-16,655 versus the prior month.

For the 2022-08-01 period, Houston had 20,141 MLS listings, a difference of 1,747 listings (9%) versus the prior month and 3,787 listings (23%) 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 74 days 2,529 sqft
2018-02-01 65 days 2,523 sqft
2018-03-01 49 days 2,557 sqft
2018-04-01 45 days 2,568 sqft
2018-05-01 43 days 2,582 sqft
2018-06-01 45 days 2,580 sqft
2018-07-01 52 days 2,560 sqft
2018-08-01 54 days 2,536 sqft
2018-09-01 59 days 2,511 sqft
2018-10-01 64 days 2,492 sqft
2018-11-01 64 days 2,481 sqft
2018-12-01 69 days 2,464 sqft
2019-01-01 74 days 2,447 sqft
2019-02-01 66 days 2,447 sqft
2019-03-01 55 days 2,468 sqft
2019-04-01 51 days 2,491 sqft
2019-05-01 51 days 2,503 sqft
2019-06-01 52 days 2,504 sqft
2019-07-01 53 days 2,489 sqft
2019-08-01 57 days 2,459 sqft
2019-09-01 60 days 2,434 sqft
2019-10-01 63 days 2,424 sqft
2019-11-01 64 days 2,403 sqft
2019-12-01 69 days 2,384 sqft
2020-01-01 71 days 2,366 sqft
2020-02-01 58 days 2,368 sqft
2020-03-01 49 days 2,386 sqft
2020-04-01 55 days 2,377 sqft
2020-05-01 63 days 2,400 sqft
2020-06-01 57 days 2,419 sqft
2020-07-01 52 days 2,420 sqft
2020-08-01 50 days 2,413 sqft
2020-09-01 50 days 2,402 sqft
2020-10-01 50 days 2,363 sqft
2020-11-01 50 days 2,328 sqft
2020-12-01 55 days 2,287 sqft
2021-01-01 60 days 2,248 sqft
2021-02-01 52 days 2,214 sqft
2021-03-01 51 days 2,222 sqft
2021-04-01 43 days 2,227 sqft
2021-05-01 38 days 2,242 sqft
2021-06-01 37 days 2,256 sqft
2021-07-01 36 days 2,255 sqft
2021-08-01 37 days 2,240 sqft
2021-09-01 42 days 2,227 sqft
2021-10-01 45 days 2,207 sqft
2021-11-01 47 days 2,186 sqft
2021-12-01 52 days 2,158 sqft
2022-01-01 56 days 2,128 sqft
2022-02-01 43 days 2,107 sqft
2022-03-01 39 days 2,124 sqft
2022-04-01 36 days 2,149 sqft
2022-05-01 35 days 2,178 sqft
2022-06-01 33 days 2,199 sqft
2022-07-01 35 days 2,198 sqft
2022-08-01 38 days 2,180 sqft
Houston's median listing age (time on market) for 2022-08-01 was 38 days. This is 3% longer than the same period one year ago.

Houston's median square footage for active listings during the 2022-08-01 period was 2,180 sqft. One year prior, the average listing was 2,240 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.