Jacksonville Mortgage Rates & Closing Costs

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  • Trends
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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Jacksonville averaged 7.12% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 7.23% and one month ago for the week of 2025-02-27, the average rate was 7.24%.

    Jacksonville's average rate one year ago was 7.17%.

    For refis of the same type during the week of 2025-04-03, the average rate was 7.24%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Jacksonville 30 Year Fixed Rate 2025-04-03 7.12%
    Jacksonville 30 Year Fixed Rate Refi 2025-04-03 7.24%
    Jacksonville 15 Year Fixed Rate 2025-04-03 6.02%
    Jacksonville 15 Year Fixed Rate Refi 2025-04-03 6.32%
    Jacksonville 30 Year FHA 2025-04-03 6.44%
    Jacksonville 30 Year FHA Refi 2025-04-03 6.06%
    Jacksonville 30 Year USDA 2025-04-03 6.42%
    Jacksonville 30 Year USDA Refi 2025-04-03 6.22%
    Jacksonville 30 Year VA 2025-04-03 5.96%
    Jacksonville 30 Year VA Refi 2025-04-03 6.26%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Jacksonville, TX.

    Jacksonville Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Jacksonville, TX market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Austin Bank, Texas 23 7.19% $4,634
    UNITED WHOLESALE MORTGAGE, LLC 21 6.96% $6,400
    QUICKEN LOANS, LLC 21 6.97% $7,309
    ALTRA 10 7.62% $3,232
    HALLMARK HOME MORTGAGE, LLC 6 6.85% $8,418
    CMG MORTGAGE, INC. 6 6.92% $8,098
    21ST MORTGAGE CORPORATION 4 8.41% $6,508
    Southside Bank 4 7.25% $4,971
    Mr. Cooper ( Nationstar Mortgage ) 4 7.15% $10,795
    Farm Credit Mid-America, ACA 4 7.06% $13,220
    CROSSCOUNTRY MORTGAGE, LLC 3 7.17% $6,830
    Ixonia Bank 3 6.92% $5,903
    JPMorgan Chase Bank 3 6.75% $4,715
    MORTGAGE FINANCIAL SERVICES, LLC 3 6.66% $8,263
    Bank of America 3 7.21% $3,060
    Prosperity Bank 3 6.33% $3,710
    GUARANTEED RATE, INC. 3 6.37% $7,161
    U.S. Bank 3 6.79% $3,970
    ROYAL UNITED MORTGAGE LLC 2 7.31% $5,680
    Texas Mortgage Lending, LLC 2 6.56% $6,629
    NEWREZ LLC 2 8.19% $2,463
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 7.38% $3,600
    LOANPAL, LLC 2 6.88% $6,588
    INTEGRITY MORTGAGE CORPORATION OF TEXAS 2 6.93% $7,361
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.38% $6,869
    CANOPY MORTGAGE, LLC 2 6.81% $5,578
    LOANDEPOT.COM, LLC 2 7.13% $4,558
    BROKER SOLUTIONS, INC. 2 6.63% $8,146
    ZILLOW HOME LOANS, LLC 1 6.63% $4,991
    AMERICAN FINANCIAL NETWORK, INC. 1 7.13% $7,861
    AmeriHome Mortgage Company, LLC 1 7.38% $5,864
    Assurance Financial Group, L.L.C. 1 7.38% $5,075
    BancorpSouth 1 7.00% $7,844
    CARDINAL FINANCIAL 1 7.38% $6,055
    Carrington Mortgage Services, LLC 1 6.50% $6,431
    CHEVRON 1 6.13% $4,694
    Commercial Bank of Texas 1 7.75% $3,324
    Cooperative Teachers Credit Union 1 6.88% $4,430
    Discover Bank 1 7.49% $0
    EVERETT FINANCIAL, INC. 1 6.99% $6,909
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.88% $7,969
    Flagstar Bank, FSB 1 6.63% $10,560
    GUILD MORTGAGE COMPANY 1 6.63% $5,700
    Home Federal Bank 1 6.50% $1,956
    INTERLINC MORTGAGE SERVICES, LLC 1 8.63% $2,715
    NATIONS RELIABLE LENDING, LLC 1 6.75% $5,724
    Origin Bank 1 6.88% $3,605
    Plains Commerce Bank 1 6.88% $23,833
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.88% $9,238
    Prosperity Home Mortgage, LLC 1 7.38% $5,264
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.50% $4,410
    SECURITYNATIONAL MORTGAGE COMPANY 1 7.13% $9,207
    The Central Trust Bank 1 6.75% $4,206
    TIB The Independent Bankersbank 1 6.88% $18,378
    VeraBank 1 6.38% $4,184

    Jacksonville Average Closing Costs & Other Stats

    Jacksonville, TX's 55 lenders originated 641 loans during 2024. The total origination value was $139,155,000, with an average loan value of $217,090.

    Jacksonville's average closing costs are $5,686.

    The top Jacksonville lender as defined by loan originations is Austin Bank, Texas, with 23 loans originated. Their average total fees are $4,634, which is $1,766 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Jacksonville lenders (with over 10 loans originated) are ALTRA ($3,232), Austin Bank, Texas ($4,634), UNITED WHOLESALE MORTGAGE, LLC ($6,400), QUICKEN LOANS, LLC ($7,309) and .

    The lowest rate Jacksonville lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.96%), QUICKEN LOANS, LLC (6.97%), Austin Bank, Texas (7.19%), ALTRA (7.62%) and .

    Jacksonville, TX Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    Austin Bank, Texas $22,620,000 $23,970,000 6.0% 17.2%
    UNITED WHOLESALE MORTGAGE, LLC $6,330,000 $8,530,000 34.8% 6.1%
    QUICKEN LOANS, LLC $10,930,000 $7,770,000 -28.9% 5.6%
    21ST MORTGAGE CORPORATION $6,905,000 $5,880,000 -14.8% 4.2%
    ALTRA $8,950,000 $4,640,000 -48.2% 3.3%
    HALLMARK HOME MORTGAGE, LLC $1,355,000 $4,160,000 207.0% 3.0%
    Texas National Bank of Jacksonville $10,470,000 $4,020,000 -61.6% 2.9%
    Farm Credit Mid-America, ACA $2,615,000 n/a 1.9%
    CMG MORTGAGE, INC. $5,280,000 $2,605,000 -50.7% 1.9%
    Mortgage Research Center, LLC $4,815,000 $2,560,000 -46.8% 1.8%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,215,000 $2,400,000 97.5% 1.7%
    Texas Bank and Trust Company $940,000 $2,355,000 150.5% 1.7%
    CROSSCOUNTRY MORTGAGE, LLC $355,000 $2,125,000 498.6% 1.5%
    The First National Bank of Hughes Springs $200,000 $2,115,000 957.5% 1.5%
    Southside Bank $980,000 $1,945,000 98.5% 1.4%
    GUARANTEED RATE, INC. $2,050,000 $1,910,000 -6.8% 1.4%
    Prosperity Bank $3,610,000 $1,655,000 -54.2% 1.2%
    FREEDOM MORTGAGE CORPORATION $1,610,000 n/a 1.2%
    Mr. Cooper ( Nationstar Mortgage ) $480,000 $1,580,000 229.2% 1.1%
    NAVY FEDERAL CREDIT UNION $840,000 $1,570,000 86.9% 1.1%
    Telco Plus Credit Union $415,000 $1,555,000 274.7% 1.1%
    SOUTHWEST STAGE FUNDING, LLC $1,390,000 $1,455,000 4.7% 1.0%
    NEWREZ LLC $560,000 $1,345,000 140.2% 1.0%
    Ixonia Bank $165,000 $1,240,000 651.5% 0.9%
    Commercial Bank of Texas $1,150,000 $1,225,000 6.5% 0.9%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $260,000 $1,220,000 369.2% 0.9%
    Plains Commerce Bank $350,000 $1,170,000 234.3% 0.8%
    BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $1,155,000 n/a 0.8%
    Paramount Residential Mortgage Group, Inc. $645,000 $1,110,000 72.1% 0.8%
    BROKER SOLUTIONS, INC. $395,000 $1,095,000 177.2% 0.8%
    MORTGAGE FINANCIAL SERVICES, LLC $2,935,000 $1,095,000 -62.7% 0.8%
    Greenbox Loans, Inc. $1,090,000 n/a 0.8%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $470,000 $1,000,000 112.8% 0.7%
    U.S. Bank $420,000 $985,000 134.5% 0.7%
    BancorpSouth $1,675,000 $955,000 -43.0% 0.7%
    UBank $1,665,000 $935,000 -43.8% 0.7%
    NATIONS RELIABLE LENDING, LLC $275,000 $895,000 225.5% 0.6%
    Bank of America $1,680,000 $890,000 -47.0% 0.6%
    CARDINAL FINANCIAL $1,235,000 $845,000 -31.6% 0.6%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $2,035,000 $800,000 -60.7% 0.6%
    CHEVRON $785,000 n/a 0.6%
    TIB The Independent Bankersbank $205,000 $765,000 273.2% 0.5%
    SWBC MORTGAGE CORPORATION $85,000 $760,000 794.1% 0.5%
    American Airlines Federal Credit Union $755,000 n/a 0.5%
    TRIAD FINANCIAL SERVICES, INC. $995,000 $755,000 -24.1% 0.5%
    INTEGRITY MORTGAGE CORPORATION OF TEXAS $595,000 $745,000 25.2% 0.5%
    LAKEVIEW LOAN SERVICING, LLC $685,000 n/a 0.5%
    CALCON MUTUAL MORTGAGE LLC $665,000 n/a 0.5%
    Texas Mortgage Lending, LLC $1,050,000 $660,000 -37.1% 0.5%
    NBKC BANK $365,000 $655,000 79.5% 0.5%
    JPMorgan Chase Bank $525,000 $625,000 19.0% 0.4%
    VeraBank $3,695,000 $610,000 -83.5% 0.4%
    GENEVA FINANCIAL, LLC $380,000 $595,000 56.6% 0.4%
    Flagstar Bank, FSB $535,000 $580,000 8.4% 0.4%
    1ST SIGNATURE LENDING, LLC $525,000 n/a 0.4%
    EVERETT FINANCIAL, INC. $405,000 $520,000 28.4% 0.4%
    CANOPY MORTGAGE, LLC $515,000 n/a 0.4%
    First Financial Bank $490,000 n/a 0.4%
    United Heritage Credit Union $250,000 $485,000 94.0% 0.3%
    PENNYMAC LOAN SERVICES, LLC $850,000 $475,000 -44.1% 0.3%
    MID AMERICA MORTGAGE, INC. $790,000 $470,000 -40.5% 0.3%
    SECURITYNATIONAL MORTGAGE COMPANY $465,000 n/a 0.3%
    Regions Bank $125,000 $450,000 260.0% 0.3%
    CITYWIDE HOME LOANS, LLC $435,000 n/a 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,455,000 $415,000 -71.5% 0.3%
    CORNERSTONE HOME LENDING, INC. $405,000 n/a 0.3%
    First Federal Bank $395,000 n/a 0.3%
    Henderson Federal Savings Bank $1,150,000 $390,000 -66.1% 0.3%
    Century Mortgage Company DBA Century Lending Company $790,000 $365,000 -53.8% 0.3%
    Equity Prime Mortgage LLC $210,000 $365,000 73.8% 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $350,000 n/a 0.3%
    AMERICAN FINANCIAL NETWORK, INC. $345,000 n/a 0.2%
    AmeriHome Mortgage Company, LLC $335,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $1,155,000 $315,000 -72.7% 0.2%
    V.I.P. MORTGAGE, INC. $315,000 n/a 0.2%
    PHH Mortgage Corporation $305,000 n/a 0.2%
    Carrington Mortgage Services, LLC $225,000 $300,000 33.3% 0.2%
    First Bank $295,000 n/a 0.2%
    Network Funding, L.P. $295,000 n/a 0.2%
    S1L, Inc. $295,000 n/a 0.2%
    T2 FINANCIAL LLC $525,000 $295,000 -43.8% 0.2%
    The American National Bank of Texas $295,000 n/a 0.2%
    LAND HOME FINANCIAL SERVICES, INC. $280,000 n/a 0.2%
    LOANPAL, LLC $335,000 $270,000 -19.4% 0.2%
    Citizens 1st Bank $1,700,000 $255,000 -85.0% 0.2%
    PLANET HOME LENDING, LLC $255,000 n/a 0.2%
    USAA Federal Savings Bank $410,000 $255,000 -37.8% 0.2%
    VAN DYK MORTGAGE CORPORATION $245,000 n/a 0.2%
    The Central Trust Bank $235,000 n/a 0.2%
    First National Bank of East Texas $45,000 $225,000 400.0% 0.2%
    Prosperity Home Mortgage, LLC $225,000 n/a 0.2%
    Waterstone Mortgage Corporation $355,000 $225,000 -36.6% 0.2%
    Northpointe Bank $215,000 n/a 0.2%
    BancFirst $205,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $95,000 $205,000 115.8% 0.1%
    PNC Bank $165,000 $205,000 24.2% 0.1%
    VILLAGE CAPITAL MORTGAGE $205,000 n/a 0.1%
    Discover Bank $130,000 $200,000 53.8% 0.1%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $195,000 n/a 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $195,000 n/a 0.1%
    American Momentum Bank $185,000 n/a 0.1%
    INTERLINC MORTGAGE SERVICES, LLC $185,000 n/a 0.1%
    SFMC, LP $890,000 $185,000 -79.2% 0.1%
    LOANDEPOT.COM, LLC $1,105,000 $180,000 -83.7% 0.1%
    Home Federal Bank $175,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $175,000 n/a 0.1%
    Texas Bank $725,000 $165,000 -77.2% 0.1%
    ZILLOW HOME LOANS, LLC $465,000 $165,000 -64.5% 0.1%
    Origin Bank $155,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $150,000 n/a 0.1%
    AMERICAN HERITAGE LENDING, INC. $125,000 $145,000 16.0% 0.1%
    WILLOW BEND MORTGAGE COMPANY, LLC $235,000 $145,000 -38.3% 0.1%
    EAST TEXAS PROFESSIONAL Credit Union $140,000 $135,000 -3.6% 0.1%
    NFM, INC. $135,000 n/a 0.1%
    Assurance Financial Group, L.L.C. $125,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $110,000 $120,000 9.1% 0.1%
    Cooperative Teachers Credit Union $775,000 $105,000 -86.5% 0.1%
    InterBank $785,000 $105,000 -86.6% 0.1%
    GENCO Federal Credit Union $95,000 n/a 0.1%
    COUNTRYPLACE MORTGAGE, LTD. $510,000 $85,000 -83.3% 0.1%
    CSL Financial, LLC $225,000 $65,000 -71.1% 0.0%
    Frost Bank $65,000 n/a 0.0%
    Guaranty Bank & Trust, N.A. $235,000 $65,000 -72.3% 0.0%
    Baxter Credit Union $355,000 $45,000 -87.3% 0.0%
    FINANCE OF AMERICA REVERSE LLC $115,000 $45,000 -60.9% 0.0%

    Jacksonville's top lender by overall market share is Austin Bank, Texas, with 17.2% market share. In second place, with 6.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $8,530,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $7,770,000 in loans. In fourth place, with 4.2%, is 21ST MORTGAGE CORPORATION, having originated $5,880,000 in loans. In fifth place, with 3.3%, is ALTRA, having originated $4,640,000 in loans.

    Jacksonville Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Jacksonville (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 $211,075 (11.2%) $296,627 (12.2%) 0.00 176
    2018-02-01 $207,435 (9.2%) $311,598 (19.0%) 0.00 181
    2018-03-01 $225,900 (4.0%) $317,721 (8.7%) 0.00 185
    2018-04-01 $227,225 (-1.2%) $323,230 (8.2%) 0.00 182
    2018-05-01 $234,000 (-4.7%) $328,036 (7.5%) 0.00 179
    2018-06-01 $240,500 (-7.0%) $330,162 (1.4%) 0.00 184
    2018-07-01 $244,500 (-0.2%) $315,751 (-0.9%) 0.00 204
    2018-08-01 $240,500 (7.9%) $308,280 (2.2%) 0.00 202
    2018-09-01 $237,000 (16.0%) $313,319 (9.6%) 0.00 198
    2018-10-01 $236,550 (21.0%) $299,936 (6.0%) 0.00 184
    2018-11-01 $235,000 (18.3%) $309,972 (9.9%) 0.00 191
    2018-12-01 $235,000 (10.7%) $310,638 (7.2%) 0.00 185
    2019-01-01 $233,750 (10.7%) $309,644 (4.4%) 0.00 180
    2019-02-01 $229,550 (10.7%) $316,314 (1.5%) 0.00 172
    2019-03-01 $237,264 (5.0%) $315,929 (-0.6%) 0.00 179
    2019-04-01 $242,514 (6.7%) $310,165 (-4.0%) 0.00 197
    2019-05-01 $249,700 (6.7%) $342,251 (4.3%) 0.00 207
    2019-06-01 $249,900 (3.9%) $347,965 (5.4%) 0.00 199
    2019-07-01 $241,459 (-1.2%) $347,679 (10.1%) 0.00 179
    2019-08-01 $244,850 (1.8%) $349,223 (13.3%) 0.00 174
    2019-09-01 $247,325 (4.4%) $342,519 (9.3%) 0.00 163
    2019-10-01 $249,375 (5.4%) $340,698 (13.6%) 0.00 151
    2019-11-01 $243,000 (3.4%) $332,812 (7.4%) 0.00 156
    2019-12-01 $239,173 (1.8%) $326,085 (5.0%) 0.00 167
    2020-01-01 $241,095 (3.1%) $324,091 (4.7%) 0.00 153
    2020-02-01 $235,000 (2.4%) $321,764 (1.7%) 0.00 155
    2020-03-01 $243,698 (2.7%) $347,155 (9.9%) 0.00 143
    2020-04-01 $253,150 (4.4%) $343,980 (10.9%) 0.00 143
    2020-05-01 $260,000 (4.1%) $354,872 (3.7%) 0.00 128
    2020-06-01 $261,000 (4.4%) $364,479 (4.8%) 0.00 114
    2020-07-01 $268,360 (11.1%) $369,341 (6.2%) 0.00 109
    2020-08-01 $269,220 (10.0%) $366,875 (5.1%) 0.00 102
    2020-09-01 $247,918 (0.2%) $333,739 (-2.6%) 0.00 91
    2020-10-01 $236,500 (-5.2%) $331,502 (-2.7%) 0.00 81
    2020-11-01 $227,175 (-6.5%) $311,598 (-6.4%) 0.00 85
    2020-12-01 $256,425 (7.2%) $355,445 (9.0%) 0.00 74
    2021-01-01 $256,275 (6.3%) $357,068 (10.2%) 0.00 68
    2021-02-01 $272,450 (15.9%) $376,646 (17.1%) 0.00 63
    2021-03-01 $260,300 (6.8%) $371,070 (6.9%) 0.00 56
    2021-04-01 $262,375 (3.6%) $345,274 (0.4%) 0.00 55
    2021-05-01 $248,750 (-4.3%) $341,312 (-3.8%) 0.00 65
    2021-06-01 $230,000 (-11.9%) $323,246 (-11.3%) 0.00 66
    2021-07-01 $259,000 (-3.5%) $368,688 (-0.2%) 0.00 67
    2021-08-01 $254,997 (-5.3%) $370,950 (1.1%) 0.00 88
    2021-09-01 $272,313 (9.8%) $373,924 (12.0%) 0.00 96
    2021-10-01 $228,000 (-3.6%) $376,957 (13.7%) 0.00 89
    2021-11-01 $195,741 (-13.8%) $348,068 (11.7%) 0.00 87
    2021-12-01 $191,244 (-25.4%) $361,954 (1.8%) 0.00 75
    2022-01-01 $197,988 (-22.7%) $347,200 (-2.8%) 0.00 60
    2022-02-01 $209,822 (-23.0%) $336,114 (-10.8%) 0.00 53
    2022-03-01 $274,300 (5.4%) $402,328 (8.4%) 0.00 54
    2022-04-01 $286,250 (9.1%) $429,392 (24.4%) 0.00 65
    2022-05-01 $279,950 (12.5%) $437,449 (28.2%) 0.00 83
    2022-06-01 $262,438 (14.1%) $398,368 (23.2%) 0.00 88
    2022-07-01 $278,900 (7.7%) $394,207 (6.9%) 0.00 103
    2022-08-01 $264,450 (3.7%) $405,254 (9.3%) 0.00 121
    2022-09-01 $255,000 (-6.4%) $385,250 (3.0%) 0.00 119
    2022-10-01 $272,450 (19.5%) $387,040 (2.7%) 0.00 135
    2022-11-01 $255,000 (30.3%) $364,165 (4.6%) 0.00 139
    2022-12-01 $255,000 (33.3%) $339,219 (-6.3%) 0.00 137
    2023-01-01 $255,000 (28.8%) $335,513 (-3.4%) 0.00 119
    2023-02-01 $255,000 (21.5%) $331,735 (-1.3%) 0.00 120
    2023-03-01 $255,000 (-7.0%) $365,379 (-9.2%) 0.00 124
    2023-04-01 $260,000 (-9.2%) $384,938 (-10.4%) 0.00 122
    2023-05-01 $312,500 (11.6%) $387,002 (-11.5%) 0.00 122
    2023-06-01 $285,725 (8.9%) $379,590 (-4.7%) 0.00 139
    2023-07-01 $299,500 (7.4%) $405,061 (2.8%) 0.00 169
    2023-08-01 $325,000 (22.9%) $403,658 (-0.4%) 0.00 181
    2023-09-01 $299,999 (17.7%) $387,427 (0.6%) 0.00 184
    2023-10-01 $289,745 (6.4%) $376,841 (-2.6%) 0.00 189
    2023-11-01 $292,470 (14.7%) $377,725 (3.7%) 0.00 180
    2023-12-01 $285,000 (11.8%) $391,844 (15.5%) 0.00 180
    2024-01-01 $260,950 (2.3%) $377,073 (12.4%) 0.00 181
    2024-02-01 $248,975 (-2.4%) $364,518 (9.9%) 0.00 186
    2024-03-01 $275,440 (8.0%) $381,230 (4.3%) 0.00 178
    2024-04-01 $289,250 (11.3%) $383,901 (-0.3%) 0.00 184
    2024-05-01 $302,450 (-3.2%) $397,735 (2.8%) 0.00 175
    2024-06-01 $292,500 (2.4%) $387,949 (2.2%) 0.00 172
    2024-07-01 $299,225 (-0.1%) $392,568 (-3.1%) 0.00 173
    2024-08-01 $285,000 (-12.3%) $407,324 (0.9%) 0.00 181
    2024-09-01 $296,625 (-1.1%) $412,410 (6.5%) 0.00 174
    2024-10-01 $293,450 (1.3%) $421,337 (11.8%) 0.00 184
    2024-11-01 $280,000 (-4.3%) $434,073 (14.9%) 0.00 176
    2024-12-01 $299,450 (5.1%) $445,300 (13.6%) 0.00 160
    2025-01-01 $298,500 (14.4%) $432,392 (14.7%) 0.00 163
    2025-02-01 $299,500 (20.3%) $429,160 (17.7%) 0.00 172
    2025-03-01 $310,000 (12.6%) $410,982 (7.8%) 0.00 194
    Jacksonville's median listing price for 2025-03-01 was $310,000, a difference of $34,560 (12.6%) versus the prior year and $10,500 versus the prior month.

    Jacksonville's median listing price comes in at 0% of the national average.

    Jacksonville's average listing price for 2025-03-01 was $410,982, a difference of $29,752 (7.8%) versus the prior year and $-18,178 versus the prior month.

    For the 2025-03-01 period, Jacksonville had 194 MLS listings, a difference of 22 listings (13%) versus the prior month and 16 listings (9%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Jacksonville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,044 sqft
    2018-02-01 0 days 2,081 sqft
    2018-03-01 0 days 2,114 sqft
    2018-04-01 0 days 2,208 sqft
    2018-05-01 0 days 2,176 sqft
    2018-06-01 0 days 2,194 sqft
    2018-07-01 0 days 2,136 sqft
    2018-08-01 0 days 2,098 sqft
    2018-09-01 0 days 2,094 sqft
    2018-10-01 0 days 2,155 sqft
    2018-11-01 0 days 2,165 sqft
    2018-12-01 0 days 2,101 sqft
    2019-01-01 0 days 2,006 sqft
    2019-02-01 0 days 2,030 sqft
    2019-03-01 0 days 2,001 sqft
    2019-04-01 0 days 1,976 sqft
    2019-05-01 0 days 2,176 sqft
    2019-06-01 0 days 2,195 sqft
    2019-07-01 0 days 2,248 sqft
    2019-08-01 0 days 2,259 sqft
    2019-09-01 0 days 2,262 sqft
    2019-10-01 0 days 2,264 sqft
    2019-11-01 0 days 2,120 sqft
    2019-12-01 0 days 2,103 sqft
    2020-01-01 0 days 2,120 sqft
    2020-02-01 0 days 2,108 sqft
    2020-03-01 0 days 2,153 sqft
    2020-04-01 0 days 2,180 sqft
    2020-05-01 0 days 2,250 sqft
    2020-06-01 0 days 2,212 sqft
    2020-07-01 0 days 2,250 sqft
    2020-08-01 0 days 2,192 sqft
    2020-09-01 0 days 2,032 sqft
    2020-10-01 0 days 1,953 sqft
    2020-11-01 0 days 1,947 sqft
    2020-12-01 0 days 2,008 sqft
    2021-01-01 0 days 2,023 sqft
    2021-02-01 0 days 2,092 sqft
    2021-03-01 0 days 2,096 sqft
    2021-04-01 0 days 2,112 sqft
    2021-05-01 0 days 2,076 sqft
    2021-06-01 0 days 1,918 sqft
    2021-07-01 0 days 2,000 sqft
    2021-08-01 0 days 1,922 sqft
    2021-09-01 0 days 1,913 sqft
    2021-10-01 0 days 1,792 sqft
    2021-11-01 0 days 1,749 sqft
    2021-12-01 0 days 1,751 sqft
    2022-01-01 0 days 1,720 sqft
    2022-02-01 0 days 1,800 sqft
    2022-03-01 0 days 2,038 sqft
    2022-04-01 0 days 2,015 sqft
    2022-05-01 0 days 2,012 sqft
    2022-06-01 0 days 1,992 sqft
    2022-07-01 0 days 1,960 sqft
    2022-08-01 0 days 1,907 sqft
    2022-09-01 0 days 1,865 sqft
    2022-10-01 0 days 1,904 sqft
    2022-11-01 0 days 1,728 sqft
    2022-12-01 0 days 1,674 sqft
    2023-01-01 0 days 1,690 sqft
    2023-02-01 0 days 1,580 sqft
    2023-03-01 0 days 1,636 sqft
    2023-04-01 0 days 1,751 sqft
    2023-05-01 0 days 1,790 sqft
    2023-06-01 0 days 1,790 sqft
    2023-07-01 0 days 1,922 sqft
    2023-08-01 0 days 1,933 sqft
    2023-09-01 0 days 1,858 sqft
    2023-10-01 0 days 1,800 sqft
    2023-11-01 0 days 1,782 sqft
    2023-12-01 0 days 1,782 sqft
    2024-01-01 0 days 1,733 sqft
    2024-02-01 0 days 1,675 sqft
    2024-03-01 0 days 1,720 sqft
    2024-04-01 0 days 1,779 sqft
    2024-05-01 0 days 1,786 sqft
    2024-06-01 0 days 1,823 sqft
    2024-07-01 0 days 1,851 sqft
    2024-08-01 0 days 1,858 sqft
    2024-09-01 0 days 1,874 sqft
    2024-10-01 0 days 1,810 sqft
    2024-11-01 0 days 1,839 sqft
    2024-12-01 0 days 1,797 sqft
    2025-01-01 0 days 1,802 sqft
    2025-02-01 0 days 1,876 sqft
    2025-03-01 0 days 1,925 sqft
    Jacksonville's median listing age (time on market) for 2025-03-01 was 0 days.

    Jacksonville's median square footage for active listings during the 2025-03-01 period was 1,925 sqft. One year prior, the average listing was 1,720 sqft.

    Jacksonville, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 459 $107,005,000 $233,126
    Refi 62 $16,170,000 $260,806
    Home Improvement 43 $3,965,000 $92,209
    Cash Out Refi 43 $7,605,000 $176,860
    Other 33 $3,255,000 $98,636
    NA 1 $1,155,000 $1,155,000

    Jacksonville's most frequently cited loan purpose was Home Purchase, with 459 originations. The 2nd most popular reason was Refi, with 62 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 188 $49,350,000 $262,500
    7-8% 179 $43,985,000 $245,726
    Over 8% 175 $20,605,000 $117,743
    5-6% 40 $11,310,000 $282,750
    <2.5% 5 $35,000 $7,000
    4-5% 1 $365,000 $365,000
    3-4% 1 $245,000 $245,000
    2.5-3% 1 $305,000 $305,000

    During 2024, Jacksonville's most frequently originated rate bucket was 6-7%, with 188 originations.

    Loan Sizing (Jacksonville, TX MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 235 $35,975,000 $153,085
    $200k-400k 170 $47,660,000 $280,353
    $100,000 or less 164 $9,980,000 $60,854
    $400k-600k 44 $20,730,000 $471,136
    $600k-1000k 21 $15,035,000 $715,952
    $Over $1MM 7 $9,775,000 $1,396,429

    Jacksonville's loan sizing saw the bucket of loans from $100k-200k with 235 originations, totaling $35,975,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 304 $70,040,000 $230,395
    60-80% 110 $28,840,000 $262,182
    40-60% 61 $13,575,000 $222,541
    20-40% 59 $7,805,000 $132,288
    Under 20% 41 $1,915,000 $46,707
    Over 100% 10 $2,510,000 $251,000

    Jacksonville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 304 originations, totaling $70,040,000 in origination value.