Tucson VA Loan Rates, Closing Costs & Stats
TUCSON, AZ
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.
Tucson's 125 lenders originated 3,001 VA loans during 2024. The total origination value was $1,114,585,000, with an average VA loan value of $371,405.
Tucson VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Tucson
averaged
6.38%
for the week of 2025-04-04, compared to the national average (all VA variants) of
6.06% for the same period.
Tucson's average VA mortgage closing costs are $6,602.
The average rate for the prior week (2025-03-28) was
6.1% and
one month ago for the week of 2025-02-28, the
average rate was 6.18%.
The average rate one year ago was 6.69%.
For refis of the same type during the week of 2025-04-04, the average rate
was 6.11%.
Tucson 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 Tucson level.
The top Tucson VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
266 VA loans originated. Their average total fees are
$8,061, which is $939
higher than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Tucson VA lenders (with over 10 loans originated) are
PLANET HOME LENDING, LLC ($5,341), PULTE MORTGAGE LLC ($5,479), NAVY FEDERAL CREDIT UNION ($5,541), HOMEAMERICAN MORTGAGE CORPORATION ($6,328) and Nations Lending Corporation ($6,563).
The lowest rate Tucson VA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.59%), HOMEAMERICAN MORTGAGE CORPORATION (4.77%), PULTE MORTGAGE LLC (5.12%), DHI MORTGAGE COMPANY, LTD. (5.14%) and KBHS HOME LOANS, LLC (5.29%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Tucson (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $266,950 (7.0%) | $381,596 (5.7%) | 0.99 | 3,610 |
2018-02-01 | $274,246 (7.0%) | $388,338 (4.1%) | 1.00 | 3,499 |
2018-03-01 | $274,900 (4.1%) | $388,216 (2.8%) | 0.96 | 3,449 |
2018-04-01 | $279,925 (5.9%) | $394,203 (4.8%) | 0.95 | 3,276 |
2018-05-01 | $282,400 (8.7%) | $397,709 (5.9%) | 0.94 | 3,219 |
2018-06-01 | $278,000 (5.5%) | $391,960 (4.2%) | 0.93 | 3,121 |
2018-07-01 | $279,808 (8.5%) | $385,922 (5.1%) | 0.93 | 3,089 |
2018-08-01 | $279,948 (9.8%) | $384,745 (6.1%) | 0.94 | 3,044 |
2018-09-01 | $279,900 (9.2%) | $384,625 (5.9%) | 0.94 | 3,102 |
2018-10-01 | $277,450 (7.0%) | $383,700 (4.3%) | 0.94 | 3,358 |
2018-11-01 | $279,313 (6.7%) | $382,574 (1.7%) | 0.95 | 3,480 |
2018-12-01 | $278,000 (6.9%) | $388,460 (2.8%) | 0.96 | 3,440 |
2019-01-01 | $279,500 (4.7%) | $394,391 (3.4%) | 0.97 | 3,367 |
2019-02-01 | $285,750 (4.2%) | $403,772 (4.0%) | 0.97 | 3,416 |
2019-03-01 | $293,857 (6.9%) | $416,220 (7.2%) | 0.96 | 3,288 |
2019-04-01 | $298,581 (6.7%) | $421,878 (7.0%) | 0.95 | 3,201 |
2019-05-01 | $298,641 (5.8%) | $422,167 (6.2%) | 0.93 | 3,040 |
2019-06-01 | $294,500 (5.9%) | $413,490 (5.5%) | 0.92 | 2,886 |
2019-07-01 | $287,995 (2.9%) | $406,364 (5.3%) | 0.90 | 2,793 |
2019-08-01 | $289,273 (3.3%) | $412,402 (7.2%) | 0.92 | 2,717 |
2019-09-01 | $289,682 (3.5%) | $417,264 (8.5%) | 0.93 | 2,739 |
2019-10-01 | $289,955 (4.5%) | $419,182 (9.3%) | 0.94 | 2,783 |
2019-11-01 | $286,989 (2.8%) | $415,873 (8.7%) | 0.94 | 2,814 |
2019-12-01 | $285,500 (2.7%) | $413,647 (6.5%) | 0.95 | 2,672 |
2020-01-01 | $287,500 (2.9%) | $414,853 (5.2%) | 0.96 | 2,501 |
2020-02-01 | $297,830 (4.2%) | $429,226 (6.3%) | 0.97 | 2,448 |
2020-03-01 | $299,675 (2.0%) | $431,529 (3.7%) | 0.94 | 2,404 |
2020-04-01 | $296,963 (-0.5%) | $413,561 (-2.0%) | 0.93 | 2,642 |
2020-05-01 | $300,000 (0.5%) | $425,640 (0.8%) | 0.91 | 2,336 |
2020-06-01 | $321,950 (9.3%) | $456,526 (10.4%) | 0.95 | 1,772 |
2020-07-01 | $325,000 (12.9%) | $453,254 (11.5%) | 0.94 | 1,549 |
2020-08-01 | $323,270 (11.8%) | $459,454 (11.4%) | 0.93 | 1,521 |
2020-09-01 | $316,332 (9.2%) | $465,601 (11.6%) | 0.91 | 1,532 |
2020-10-01 | $310,000 (6.9%) | $459,550 (9.6%) | 0.89 | 1,641 |
2020-11-01 | $313,439 (9.2%) | $470,630 (13.2%) | 0.92 | 1,553 |
2020-12-01 | $315,000 (10.3%) | $472,568 (14.2%) | 0.94 | 1,367 |
2021-01-01 | $320,000 (11.3%) | $494,616 (19.2%) | 0.96 | 1,169 |
2021-02-01 | $325,000 (9.1%) | $515,239 (20.0%) | 0.95 | 939 |
2021-03-01 | $335,000 (11.8%) | $527,242 (22.2%) | 0.95 | 878 |
2021-04-01 | $342,000 (15.2%) | $528,171 (27.7%) | 0.93 | 893 |
2021-05-01 | $344,000 (14.7%) | $520,864 (22.4%) | 0.91 | 933 |
2021-06-01 | $350,000 (8.7%) | $521,079 (14.1%) | 0.92 | 992 |
2021-07-01 | $350,000 (7.7%) | $489,786 (8.1%) | 0.92 | 1,180 |
2021-08-01 | $359,950 (11.4%) | $483,633 (5.3%) | 0.96 | 1,327 |
2021-09-01 | $359,950 (13.8%) | $484,303 (4.0%) | 0.96 | 1,496 |
2021-10-01 | $359,000 (15.8%) | $479,379 (4.3%) | 0.96 | 1,696 |
2021-11-01 | $359,950 (14.8%) | $483,398 (2.7%) | 0.96 | 1,673 |
2021-12-01 | $361,950 (14.9%) | $480,526 (1.7%) | 0.98 | 1,520 |
2022-01-01 | $364,995 (14.1%) | $501,091 (1.3%) | 0.99 | 1,361 |
2022-02-01 | $375,505 (15.5%) | $538,390 (4.5%) | 0.98 | 1,082 |
2022-03-01 | $388,494 (16.0%) | $562,127 (6.6%) | 0.97 | 997 |
2022-04-01 | $399,500 (16.8%) | $566,437 (7.2%) | 0.95 | 1,028 |
2022-05-01 | $407,000 (18.3%) | $580,717 (11.5%) | 0.93 | 1,202 |
2022-06-01 | $409,950 (17.1%) | $567,716 (9.0%) | 0.91 | 1,511 |
2022-07-01 | $399,990 (14.3%) | $540,951 (10.5%) | 0.90 | 1,944 |
2022-08-01 | $391,199 (8.7%) | $519,248 (7.4%) | 0.90 | 2,162 |
2022-09-01 | $384,123 (6.7%) | $507,255 (4.7%) | 0.90 | 2,362 |
2022-10-01 | $379,000 (5.6%) | $505,478 (5.4%) | 0.89 | 2,637 |
2022-11-01 | $375,000 (4.2%) | $510,324 (5.6%) | 0.90 | 2,782 |
2022-12-01 | $375,000 (3.6%) | $508,106 (5.7%) | 0.93 | 2,596 |
2023-01-01 | $377,000 (3.3%) | $524,574 (4.7%) | 0.93 | 2,370 |
2023-02-01 | $389,000 (3.6%) | $547,620 (1.7%) | 0.94 | 2,121 |
2023-03-01 | $399,950 (3.0%) | $565,451 (0.6%) | 0.94 | 1,953 |
2023-04-01 | $403,675 (1.1%) | $582,574 (2.9%) | 0.94 | 1,692 |
2023-05-01 | $414,350 (1.8%) | $595,129 (2.5%) | 0.94 | 1,608 |
2023-06-01 | $414,997 (1.2%) | $588,646 (3.7%) | 0.93 | 1,609 |
2023-07-01 | $410,000 (2.5%) | $583,215 (7.8%) | 0.93 | 1,622 |
2023-08-01 | $406,025 (3.8%) | $575,012 (10.7%) | 0.93 | 1,630 |
2023-09-01 | $399,900 (4.1%) | $570,632 (12.5%) | 0.93 | 1,757 |
2023-10-01 | $399,000 (5.3%) | $552,351 (9.3%) | 0.94 | 2,083 |
2023-11-01 | $399,900 (6.6%) | $555,334 (8.8%) | 0.95 | 2,309 |
2023-12-01 | $398,900 (6.4%) | $548,714 (8.0%) | 0.97 | 2,347 |
2024-01-01 | $399,000 (5.8%) | $556,034 (6.0%) | 0.97 | 2,375 |
2024-02-01 | $400,000 (2.8%) | $570,948 (4.3%) | 0.96 | 2,399 |
2024-03-01 | $402,700 (0.7%) | $568,129 (0.5%) | 0.95 | 2,420 |
2024-04-01 | $409,299 (1.4%) | $572,034 (-1.8%) | 0.95 | 2,491 |
2024-05-01 | $402,423 (-2.9%) | $573,274 (-3.7%) | 0.92 | 2,632 |
2024-06-01 | $399,000 (-3.9%) | $553,625 (-6.0%) | 0.91 | 2,666 |
2024-07-01 | $395,000 (-3.7%) | $534,184 (-8.4%) | 0.90 | 2,751 |
2024-08-01 | $390,000 (-4.0%) | $526,621 (-8.4%) | 0.91 | 2,776 |
2024-09-01 | $390,000 (-2.5%) | $533,285 (-6.5%) | 0.92 | 3,070 |
2024-10-01 | $395,000 (-1.0%) | $536,185 (-2.9%) | 0.93 | 3,274 |
2024-11-01 | $390,000 (-2.5%) | $538,364 (-3.1%) | 0.94 | 3,526 |
2024-12-01 | $387,825 (-2.8%) | $536,660 (-2.2%) | 0.96 | 3,354 |
2025-01-01 | $391,255 (-1.9%) | $543,906 (-2.2%) | 0.98 | 3,445 |
2025-02-01 | $396,200 (-1.0%) | $544,388 (-4.7%) | 0.96 | 3,536 |
2025-03-01 | $399,000 (-0.9%) | $546,330 (-3.8%) | 0.00 | 3,649 |
Tucson's median listing price comes in at 0% of the national average.
Tucson's average listing price for 2025-03-01 was $546,330, a difference of $-21,799 (-3.8%) versus the prior year and $1,942 versus the prior month.
For the 2025-03-01 period, Tucson had 3,649 MLS listings, a difference of 113 listings (3%) versus the prior month and 1,229 listings (51%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Tucson (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 64 days | 2,003 sqft |
2018-02-01 | 51 days | 2,030 sqft |
2018-03-01 | 50 days | 2,036 sqft |
2018-04-01 | 50 days | 2,051 sqft |
2018-05-01 | 48 days | 2,058 sqft |
2018-06-01 | 50 days | 2,013 sqft |
2018-07-01 | 53 days | 2,027 sqft |
2018-08-01 | 54 days | 2,019 sqft |
2018-09-01 | 52 days | 2,020 sqft |
2018-10-01 | 50 days | 1,988 sqft |
2018-11-01 | 51 days | 1,987 sqft |
2018-12-01 | 58 days | 1,964 sqft |
2019-01-01 | 63 days | 1,994 sqft |
2019-02-01 | 48 days | 2,031 sqft |
2019-03-01 | 48 days | 2,058 sqft |
2019-04-01 | 51 days | 2,063 sqft |
2019-05-01 | 51 days | 2,048 sqft |
2019-06-01 | 51 days | 2,050 sqft |
2019-07-01 | 50 days | 2,020 sqft |
2019-08-01 | 50 days | 2,027 sqft |
2019-09-01 | 49 days | 2,026 sqft |
2019-10-01 | 49 days | 2,024 sqft |
2019-11-01 | 52 days | 1,976 sqft |
2019-12-01 | 60 days | 1,960 sqft |
2020-01-01 | 59 days | 1,981 sqft |
2020-02-01 | 44 days | 1,996 sqft |
2020-03-01 | 43 days | 1,997 sqft |
2020-04-01 | 44 days | 1,958 sqft |
2020-05-01 | 55 days | 1,980 sqft |
2020-06-01 | 57 days | 2,010 sqft |
2020-07-01 | 53 days | 2,008 sqft |
2020-08-01 | 51 days | 1,987 sqft |
2020-09-01 | 47 days | 1,938 sqft |
2020-10-01 | 48 days | 1,905 sqft |
2020-11-01 | 50 days | 1,911 sqft |
2020-12-01 | 55 days | 1,905 sqft |
2021-01-01 | 52 days | 1,912 sqft |
2021-02-01 | 40 days | 1,908 sqft |
2021-03-01 | 38 days | 1,922 sqft |
2021-04-01 | 35 days | 1,872 sqft |
2021-05-01 | 32 days | 1,870 sqft |
2021-06-01 | 32 days | 1,879 sqft |
2021-07-01 | 30 days | 1,844 sqft |
2021-08-01 | 30 days | 1,854 sqft |
2021-09-01 | 32 days | 1,851 sqft |
2021-10-01 | 33 days | 1,844 sqft |
2021-11-01 | 37 days | 1,867 sqft |
2021-12-01 | 44 days | 1,862 sqft |
2022-01-01 | 44 days | 1,861 sqft |
2022-02-01 | 37 days | 1,867 sqft |
2022-03-01 | 35 days | 1,878 sqft |
2022-04-01 | 32 days | 1,883 sqft |
2022-05-01 | 30 days | 1,920 sqft |
2022-06-01 | 30 days | 1,914 sqft |
2022-07-01 | 32 days | 1,873 sqft |
2022-08-01 | 37 days | 1,838 sqft |
2022-09-01 | 41 days | 1,816 sqft |
2022-10-01 | 44 days | 1,812 sqft |
2022-11-01 | 50 days | 1,813 sqft |
2022-12-01 | 60 days | 1,812 sqft |
2023-01-01 | 61 days | 1,822 sqft |
2023-02-01 | 52 days | 1,836 sqft |
2023-03-01 | 47 days | 1,860 sqft |
2023-04-01 | 47 days | 1,904 sqft |
2023-05-01 | 43 days | 1,924 sqft |
2023-06-01 | 43 days | 1,959 sqft |
2023-07-01 | 43 days | 1,944 sqft |
2023-08-01 | 41 days | 1,918 sqft |
2023-09-01 | 41 days | 1,904 sqft |
2023-10-01 | 39 days | 1,868 sqft |
2023-11-01 | 43 days | 1,862 sqft |
2023-12-01 | 51 days | 1,852 sqft |
2024-01-01 | 54 days | 1,847 sqft |
2024-02-01 | 44 days | 1,852 sqft |
2024-03-01 | 44 days | 1,849 sqft |
2024-04-01 | 45 days | 1,852 sqft |
2024-05-01 | 42 days | 1,847 sqft |
2024-06-01 | 45 days | 1,839 sqft |
2024-07-01 | 49 days | 1,816 sqft |
2024-08-01 | 51 days | 1,812 sqft |
2024-09-01 | 52 days | 1,812 sqft |
2024-10-01 | 51 days | 1,812 sqft |
2024-11-01 | 56 days | 1,804 sqft |
2024-12-01 | 63 days | 1,781 sqft |
2025-01-01 | 64 days | 1,778 sqft |
2025-02-01 | 52 days | 1,802 sqft |
2025-03-01 | 0 days | 1,817 sqft |
Tucson's median square footage for active listings during the 2025-03-01 period was 1,817 sqft. One year prior, the average listing was 1,849 sqft.