Branson FHA Loan Rates, Closing Costs & Stats
Branson, MO
FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.
FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.
While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.
For additional requirements as defined by the FHA, click here.
Branson's 39 lenders originated 118 FHA loans during 2023. The total origination value was $23,080,000, with an average FHA loan value of $195,593.
Branson FHA Loans, 30 Year Fixed Rates
30 Year FHA mortgages in Branson
averaged
6.67%
for the week of 2025-02-14, compared to the national average (all FHA variants) of
6.515% for the same period.
Branson's average FHA mortgage closing costs are $6,293.
The average rate for the prior week (2025-02-07) was
6.99% and
one month ago for the week of 2025-01-10, the
average rate was 6.95%.
The average rate one year ago was 6.68%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.62%.
Branson FHA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Branson level.
The top Branson FHA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
14 FHA loans originated. Their average total fees are
$8,818, which is $1,794
higher than the next largest lender,
The Central Trust Bank.
The lowest fee Branson FHA lenders (with over 10 loans originated) are
The Central Trust Bank ($7,024), FLAT BRANCH MORTGAGE, INC. ($8,818), QUICKEN LOANS, LLC ($11,130), .
The lowest rate Branson FHA lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.24%), FLAT BRANCH MORTGAGE, INC. (6.84%), The Central Trust Bank (6.92%), .
Branson FHA Loan Limits
Metro | County | Year | Single Family Limit | 2 Family Limit | 3 Family Limit | 4 Family Limit |
---|---|---|---|---|---|---|
BRANSON, MO | TANEY | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
BRANSON, MO | TANEY | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Branson (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 | $177,625 (14.7%) | $251,510 (13.5%) | 0.00 | 694 |
2018-02-01 | $179,900 (16.4%) | $252,404 (14.7%) | 0.00 | 679 |
2018-03-01 | $179,900 (16.2%) | $250,430 (14.0%) | 0.00 | 705 |
2018-04-01 | $181,950 (15.2%) | $259,599 (15.2%) | 0.00 | 734 |
2018-05-01 | $187,350 (19.8%) | $259,801 (13.9%) | 0.00 | 739 |
2018-06-01 | $189,900 (18.8%) | $260,577 (12.0%) | 0.00 | 758 |
2018-07-01 | $190,475 (19.1%) | $261,394 (11.4%) | 0.00 | 774 |
2018-08-01 | $189,000 (17.0%) | $257,595 (8.4%) | 0.00 | 791 |
2018-09-01 | $185,000 (12.1%) | $254,282 (5.1%) | 0.00 | 759 |
2018-10-01 | $183,625 (6.7%) | $249,743 (-0.1%) | 0.00 | 758 |
2018-11-01 | $188,525 (7.9%) | $247,453 (-2.8%) | 0.00 | 784 |
2018-12-01 | $185,000 (5.7%) | $240,080 (-7.4%) | 0.00 | 771 |
2019-01-01 | $186,950 (5.3%) | $241,530 (-4.0%) | 0.00 | 723 |
2019-02-01 | $189,650 (5.4%) | $244,447 (-3.2%) | 0.00 | 721 |
2019-03-01 | $194,186 (7.9%) | $248,164 (-0.9%) | 0.00 | 712 |
2019-04-01 | $199,900 (9.9%) | $251,163 (-3.3%) | 0.00 | 718 |
2019-05-01 | $199,475 (6.5%) | $256,025 (-1.5%) | 0.00 | 741 |
2019-06-01 | $199,000 (4.8%) | $257,405 (-1.2%) | 0.00 | 771 |
2019-07-01 | $199,900 (5.0%) | $265,598 (1.6%) | 0.00 | 770 |
2019-08-01 | $200,927 (6.3%) | $265,700 (3.2%) | 0.00 | 755 |
2019-09-01 | $198,718 (7.4%) | $263,566 (3.7%) | 0.00 | 735 |
2019-10-01 | $195,350 (6.4%) | $262,144 (5.0%) | 0.00 | 712 |
2019-11-01 | $197,000 (4.5%) | $262,248 (6.0%) | 0.00 | 676 |
2019-12-01 | $189,900 (2.7%) | $256,484 (6.8%) | 0.00 | 676 |
2020-01-01 | $191,950 (2.7%) | $249,408 (3.3%) | 0.00 | 614 |
2020-02-01 | $198,450 (4.6%) | $263,553 (7.8%) | 0.00 | 626 |
2020-03-01 | $199,950 (3.0%) | $269,581 (8.6%) | 0.00 | 617 |
2020-04-01 | $198,238 (-0.8%) | $269,469 (7.3%) | 0.00 | 641 |
2020-05-01 | $199,000 (-0.2%) | $271,544 (6.1%) | 0.00 | 625 |
2020-06-01 | $198,813 (-0.1%) | $275,957 (7.2%) | 0.00 | 555 |
2020-07-01 | $192,400 (-3.8%) | $281,091 (5.8%) | 0.00 | 514 |
2020-08-01 | $199,900 (-0.5%) | $305,434 (15.0%) | 0.00 | 427 |
2020-09-01 | $202,400 (1.9%) | $305,584 (15.9%) | 0.00 | 406 |
2020-10-01 | $203,000 (3.9%) | $320,802 (22.4%) | 0.00 | 383 |
2020-11-01 | $203,925 (3.5%) | $326,140 (24.4%) | 0.00 | 361 |
2020-12-01 | $199,925 (5.3%) | $321,162 (25.2%) | 0.00 | 330 |
2021-01-01 | $214,950 (12.0%) | $317,260 (27.2%) | 0.00 | 271 |
2021-02-01 | $214,925 (8.3%) | $307,239 (16.6%) | 0.00 | 220 |
2021-03-01 | $234,900 (17.5%) | $372,435 (38.2%) | 0.00 | 204 |
2021-04-01 | $243,750 (23.0%) | $399,384 (48.2%) | 0.00 | 187 |
2021-05-01 | $279,900 (40.7%) | $452,195 (66.5%) | 0.00 | 188 |
2021-06-01 | $287,475 (44.6%) | $452,491 (64.0%) | 0.00 | 200 |
2021-07-01 | $296,900 (54.3%) | $445,612 (58.5%) | 0.00 | 245 |
2021-08-01 | $299,350 (49.8%) | $434,995 (42.4%) | 0.00 | 249 |
2021-09-01 | $290,725 (43.6%) | $462,462 (51.3%) | 0.00 | 301 |
2021-10-01 | $289,000 (42.4%) | $481,918 (50.2%) | 0.00 | 310 |
2021-11-01 | $287,000 (40.7%) | $513,061 (57.3%) | 0.00 | 265 |
2021-12-01 | $285,000 (42.6%) | $575,204 (79.1%) | 0.00 | 240 |
2022-01-01 | $299,900 (39.5%) | $603,054 (90.1%) | 0.00 | 207 |
2022-02-01 | $299,800 (39.5%) | $565,467 (84.1%) | 0.00 | 167 |
2022-03-01 | $323,975 (37.9%) | $634,356 (70.3%) | 0.00 | 163 |
2022-04-01 | $349,000 (43.2%) | $621,341 (55.6%) | 0.00 | 240 |
2022-05-01 | $325,000 (16.1%) | $580,231 (28.3%) | 0.00 | 284 |
2022-06-01 | $309,900 (7.8%) | $506,086 (11.8%) | 0.00 | 335 |
2022-07-01 | $299,900 (1.0%) | $480,687 (7.9%) | 0.00 | 376 |
2022-08-01 | $319,900 (6.9%) | $507,198 (16.6%) | 0.00 | 412 |
2022-09-01 | $310,625 (6.8%) | $493,198 (6.7%) | 0.00 | 421 |
2022-10-01 | $319,450 (10.5%) | $481,987 (0.0%) | 0.00 | 434 |
2022-11-01 | $319,900 (11.5%) | $453,759 (-11.6%) | 0.00 | 435 |
2022-12-01 | $339,900 (19.3%) | $456,635 (-20.6%) | 0.00 | 407 |
2023-01-01 | $325,000 (8.4%) | $454,286 (-24.7%) | 0.00 | 358 |
2023-02-01 | $328,250 (9.5%) | $465,139 (-17.7%) | 0.00 | 332 |
2023-03-01 | $332,000 (2.5%) | $467,492 (-26.3%) | 0.00 | 347 |
2023-04-01 | $320,000 (-8.3%) | $440,721 (-29.1%) | 0.00 | 394 |
2023-05-01 | $320,000 (-1.5%) | $462,369 (-20.3%) | 0.00 | 394 |
2023-06-01 | $321,750 (3.8%) | $481,299 (-4.9%) | 0.00 | 407 |
2023-07-01 | $310,750 (3.6%) | $466,987 (-2.9%) | 0.00 | 409 |
2023-08-01 | $319,725 (-0.1%) | $482,613 (-4.9%) | 0.00 | 416 |
2023-09-01 | $299,950 (-3.4%) | $472,374 (-4.2%) | 0.00 | 437 |
2023-10-01 | $301,975 (-5.5%) | $464,732 (-3.6%) | 0.00 | 493 |
2023-11-01 | $300,000 (-6.2%) | $453,268 (-0.1%) | 0.00 | 522 |
2023-12-01 | $299,900 (-11.8%) | $442,201 (-3.2%) | 0.00 | 526 |
2024-01-01 | $294,925 (-9.3%) | $434,747 (-4.3%) | 0.00 | 497 |
2024-02-01 | $286,975 (-12.6%) | $428,022 (-8.0%) | 0.00 | 520 |
2024-03-01 | $280,000 (-15.7%) | $418,647 (-10.5%) | 0.00 | 555 |
2024-04-01 | $279,000 (-12.8%) | $411,602 (-6.6%) | 0.00 | 615 |
2024-05-01 | $276,750 (-13.5%) | $403,693 (-12.7%) | 0.00 | 668 |
2024-06-01 | $276,500 (-14.1%) | $412,861 (-14.2%) | 0.00 | 701 |
2024-07-01 | $282,450 (-9.1%) | $420,345 (-10.0%) | 0.00 | 738 |
2024-08-01 | $274,950 (-14.0%) | $409,878 (-15.1%) | 0.00 | 752 |
2024-09-01 | $276,350 (-7.9%) | $405,818 (-14.1%) | 0.00 | 815 |
2024-10-01 | $272,475 (-9.8%) | $404,148 (-13.0%) | 0.00 | 833 |
2024-11-01 | $272,500 (-9.2%) | $398,564 (-12.1%) | 0.00 | 848 |
2024-12-01 | $277,450 (-7.5%) | $397,127 (-10.2%) | 0.00 | 769 |
2025-01-01 | $279,900 (-5.1%) | $403,693 (-7.1%) | 0.00 | 676 |
Branson's median listing price comes in at 0% of the national average.
Branson's average listing price for 2025-01-01 was $403,693, a difference of $-31,054 (-7.1%) versus the prior year and $6,566 versus the prior month.
For the 2025-01-01 period, Branson had 676 MLS listings, a difference of -93 listings (-12%) versus the prior month and 179 listings (36%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Branson (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,757 sqft |
2018-02-01 | 0 days | 1,766 sqft |
2018-03-01 | 0 days | 1,757 sqft |
2018-04-01 | 0 days | 1,755 sqft |
2018-05-01 | 0 days | 1,758 sqft |
2018-06-01 | 0 days | 1,793 sqft |
2018-07-01 | 0 days | 1,810 sqft |
2018-08-01 | 0 days | 1,747 sqft |
2018-09-01 | 0 days | 1,714 sqft |
2018-10-01 | 0 days | 1,686 sqft |
2018-11-01 | 0 days | 1,691 sqft |
2018-12-01 | 0 days | 1,692 sqft |
2019-01-01 | 0 days | 1,690 sqft |
2019-02-01 | 0 days | 1,693 sqft |
2019-03-01 | 0 days | 1,718 sqft |
2019-04-01 | 0 days | 1,725 sqft |
2019-05-01 | 0 days | 1,700 sqft |
2019-06-01 | 0 days | 1,692 sqft |
2019-07-01 | 0 days | 1,700 sqft |
2019-08-01 | 0 days | 1,727 sqft |
2019-09-01 | 0 days | 1,707 sqft |
2019-10-01 | 0 days | 1,692 sqft |
2019-11-01 | 0 days | 1,692 sqft |
2019-12-01 | 0 days | 1,692 sqft |
2020-01-01 | 0 days | 1,681 sqft |
2020-02-01 | 0 days | 1,682 sqft |
2020-03-01 | 0 days | 1,698 sqft |
2020-04-01 | 0 days | 1,650 sqft |
2020-05-01 | 0 days | 1,639 sqft |
2020-06-01 | 0 days | 1,633 sqft |
2020-07-01 | 0 days | 1,608 sqft |
2020-08-01 | 0 days | 1,650 sqft |
2020-09-01 | 0 days | 1,578 sqft |
2020-10-01 | 0 days | 1,560 sqft |
2020-11-01 | 0 days | 1,613 sqft |
2020-12-01 | 0 days | 1,603 sqft |
2021-01-01 | 0 days | 1,625 sqft |
2021-02-01 | 0 days | 1,600 sqft |
2021-03-01 | 0 days | 1,650 sqft |
2021-04-01 | 0 days | 1,617 sqft |
2021-05-01 | 0 days | 1,650 sqft |
2021-06-01 | 0 days | 1,739 sqft |
2021-07-01 | 0 days | 1,888 sqft |
2021-08-01 | 0 days | 1,829 sqft |
2021-09-01 | 0 days | 1,730 sqft |
2021-10-01 | 0 days | 1,715 sqft |
2021-11-01 | 0 days | 1,711 sqft |
2021-12-01 | 0 days | 1,697 sqft |
2022-01-01 | 0 days | 1,675 sqft |
2022-02-01 | 0 days | 1,666 sqft |
2022-03-01 | 0 days | 1,705 sqft |
2022-04-01 | 0 days | 1,746 sqft |
2022-05-01 | 0 days | 1,746 sqft |
2022-06-01 | 0 days | 1,618 sqft |
2022-07-01 | 0 days | 1,558 sqft |
2022-08-01 | 0 days | 1,644 sqft |
2022-09-01 | 0 days | 1,604 sqft |
2022-10-01 | 0 days | 1,605 sqft |
2022-11-01 | 0 days | 1,658 sqft |
2022-12-01 | 0 days | 1,634 sqft |
2023-01-01 | 0 days | 1,608 sqft |
2023-02-01 | 0 days | 1,616 sqft |
2023-03-01 | 0 days | 1,641 sqft |
2023-04-01 | 0 days | 1,546 sqft |
2023-05-01 | 0 days | 1,520 sqft |
2023-06-01 | 0 days | 1,567 sqft |
2023-07-01 | 0 days | 1,580 sqft |
2023-08-01 | 0 days | 1,592 sqft |
2023-09-01 | 0 days | 1,483 sqft |
2023-10-01 | 0 days | 1,516 sqft |
2023-11-01 | 0 days | 1,513 sqft |
2023-12-01 | 0 days | 1,513 sqft |
2024-01-01 | 0 days | 1,523 sqft |
2024-02-01 | 0 days | 1,474 sqft |
2024-03-01 | 0 days | 1,408 sqft |
2024-04-01 | 0 days | 1,378 sqft |
2024-05-01 | 0 days | 1,381 sqft |
2024-06-01 | 0 days | 1,388 sqft |
2024-07-01 | 0 days | 1,413 sqft |
2024-08-01 | 0 days | 1,387 sqft |
2024-09-01 | 0 days | 1,405 sqft |
2024-10-01 | 0 days | 1,407 sqft |
2024-11-01 | 0 days | 1,408 sqft |
2024-12-01 | 0 days | 1,423 sqft |
2025-01-01 | 0 days | 1,434 sqft |
Branson's median square footage for active listings during the 2025-01-01 period was 1,434 sqft. One year prior, the average listing was 1,523 sqft.