Huntingdon FHA Loan Rates, Closing Costs & Stats
Huntingdon, PA
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.
Huntingdon's 22 lenders originated 58 FHA loans during 2023. The total origination value was $10,020,000, with an average FHA loan value of $172,759.
Huntingdon FHA Loans, 30 Year Fixed Rates
30 Year FHA mortgages in Huntingdon
averaged
-0.13%
for the week of 2025-01-24, compared to the national average (all FHA variants) of
0% for the same period.
Huntingdon's average FHA mortgage closing costs are $6,912.
The average rate for the prior week (2025-01-17) was
6.67% and
one month ago for the week of 2024-12-20, the
average rate was 6.12%.
The average rate one year ago was 6.46%.
For refis of the same type during the week of 2025-01-24, the average rate
was 0%.
Huntingdon 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 Huntingdon level.
The top Huntingdon FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with
16 FHA loans originated. Their average total fees are
$10,885, which is $3,091
higher than the next largest lender,
Flagstar Bank, FSB.
The lowest fee Huntingdon FHA lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($10,885), .
The lowest rate Huntingdon FHA lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.17%), .
Huntingdon FHA Loan Limits
Metro | County | Year | Single Family Limit | 2 Family Limit | 3 Family Limit | 4 Family Limit |
---|---|---|---|---|---|---|
HUNTINGDON, PA | HUNTINGDON | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
HUNTINGDON, PA | HUNTINGDON | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Huntingdon (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 | $121,650 (-23.5%) | $188,980 (-2.3%) | 0.00 | 119 |
2018-02-01 | $147,625 (-2.3%) | $199,251 (5.0%) | 0.00 | 114 |
2018-03-01 | $145,000 (-0.8%) | $187,726 (-1.9%) | 0.00 | 108 |
2018-04-01 | $149,975 (9.5%) | $197,233 (5.6%) | 0.00 | 134 |
2018-05-01 | $172,450 (27.8%) | $214,545 (15.5%) | 0.00 | 133 |
2018-06-01 | $186,000 (25.3%) | $221,140 (10.6%) | 0.00 | 141 |
2018-07-01 | $159,750 (6.6%) | $201,094 (-0.4%) | 0.00 | 157 |
2018-08-01 | $149,950 (0.0%) | $193,653 (-5.4%) | 0.00 | 161 |
2018-09-01 | $150,000 (0.1%) | $197,758 (-5.6%) | 0.00 | 161 |
2018-10-01 | $152,375 (3.1%) | $205,502 (0.5%) | 0.00 | 152 |
2018-11-01 | $149,175 (3.8%) | $202,761 (3.7%) | 0.00 | 147 |
2018-12-01 | $149,900 (11.1%) | $181,138 (-7.4%) | 0.00 | 137 |
2019-01-01 | $139,900 (15.0%) | $171,412 (-9.3%) | 0.00 | 130 |
2019-02-01 | $136,950 (-7.2%) | $184,302 (-7.5%) | 0.00 | 126 |
2019-03-01 | $150,614 (3.9%) | $264,729 (41.0%) | 0.00 | 129 |
2019-04-01 | $163,425 (9.0%) | $247,783 (25.6%) | 0.00 | 129 |
2019-05-01 | $169,900 (-1.5%) | $251,616 (17.3%) | 0.00 | 145 |
2019-06-01 | $163,400 (-12.2%) | $245,421 (11.0%) | 0.00 | 149 |
2019-07-01 | $184,900 (15.7%) | $253,595 (26.1%) | 0.00 | 160 |
2019-08-01 | $180,636 (20.5%) | $252,842 (30.6%) | 0.00 | 161 |
2019-09-01 | $174,091 (16.1%) | $248,837 (25.8%) | 0.00 | 151 |
2019-10-01 | $169,000 (10.9%) | $246,168 (19.8%) | 0.00 | 143 |
2019-11-01 | $159,900 (7.2%) | $244,008 (20.3%) | 0.00 | 140 |
2019-12-01 | $159,450 (6.4%) | $246,211 (35.9%) | 0.00 | 129 |
2020-01-01 | $149,900 (7.2%) | $249,180 (45.4%) | 0.00 | 122 |
2020-02-01 | $144,900 (5.8%) | $235,526 (27.8%) | 0.00 | 106 |
2020-03-01 | $142,450 (-5.4%) | $233,930 (-11.6%) | 0.00 | 111 |
2020-04-01 | $139,800 (-14.5%) | $219,306 (-11.5%) | 0.00 | 104 |
2020-05-01 | $142,400 (-16.2%) | $294,449 (17.0%) | 0.00 | 101 |
2020-06-01 | $173,650 (6.3%) | $348,567 (42.0%) | 0.00 | 94 |
2020-07-01 | $169,000 (-8.6%) | $352,541 (39.0%) | 0.00 | 89 |
2020-08-01 | $159,400 (-11.8%) | $346,717 (37.1%) | 0.00 | 81 |
2020-09-01 | $162,225 (-6.8%) | $386,610 (55.4%) | 0.00 | 71 |
2020-10-01 | $179,200 (6.0%) | $380,567 (54.6%) | 0.00 | 70 |
2020-11-01 | $165,525 (3.5%) | $400,366 (64.1%) | 0.00 | 67 |
2020-12-01 | $162,675 (2.0%) | $386,118 (56.8%) | 0.00 | 64 |
2021-01-01 | $162,350 (8.3%) | $403,777 (62.0%) | 0.00 | 48 |
2021-02-01 | $139,900 (-3.5%) | $280,271 (19.0%) | 0.00 | 40 |
2021-03-01 | $141,150 (-0.9%) | $314,706 (34.5%) | 0.00 | 35 |
2021-04-01 | $158,625 (13.5%) | $282,206 (28.7%) | 0.00 | 51 |
2021-05-01 | $149,950 (5.3%) | $272,661 (-7.4%) | 0.00 | 46 |
2021-06-01 | $149,625 (-13.8%) | $261,065 (-25.1%) | 0.00 | 53 |
2021-07-01 | $149,400 (-11.6%) | $266,796 (-24.3%) | 0.00 | 50 |
2021-08-01 | $149,000 (-6.5%) | $235,209 (-32.2%) | 0.00 | 55 |
2021-09-01 | $167,975 (3.5%) | $270,566 (-30.0%) | 0.00 | 61 |
2021-10-01 | $178,900 (-0.2%) | $280,807 (-26.2%) | 0.00 | 60 |
2021-11-01 | $209,725 (26.7%) | $344,140 (-14.0%) | 0.00 | 55 |
2021-12-01 | $219,850 (35.2%) | $355,001 (-8.1%) | 0.00 | 43 |
2022-01-01 | $189,900 (17.0%) | $376,376 (-6.8%) | 0.00 | 37 |
2022-02-01 | $194,125 (38.8%) | $398,318 (42.1%) | 0.00 | 34 |
2022-03-01 | $205,825 (45.8%) | $377,704 (20.0%) | 0.00 | 37 |
2022-04-01 | $209,900 (32.3%) | $343,183 (21.6%) | 0.00 | 42 |
2022-05-01 | $189,375 (26.3%) | $333,825 (22.4%) | 0.00 | 50 |
2022-06-01 | $196,650 (31.4%) | $361,365 (38.4%) | 0.00 | 44 |
2022-07-01 | $195,900 (31.1%) | $336,864 (26.3%) | 0.00 | 59 |
2022-08-01 | $194,950 (30.8%) | $328,722 (39.8%) | 0.00 | 63 |
2022-09-01 | $190,425 (13.4%) | $322,231 (19.1%) | 0.00 | 69 |
2022-10-01 | $180,000 (0.6%) | $321,243 (14.4%) | 0.00 | 61 |
2022-11-01 | $174,250 (-16.9%) | $300,274 (-12.8%) | 0.00 | 61 |
2022-12-01 | $182,400 (-17.0%) | $298,823 (-15.8%) | 0.00 | 55 |
2023-01-01 | $170,925 (-10.0%) | $297,991 (-20.8%) | 0.00 | 42 |
2023-02-01 | $179,450 (-7.6%) | $291,974 (-26.7%) | 0.00 | 41 |
2023-03-01 | $191,175 (-7.1%) | $337,106 (-10.8%) | 0.00 | 44 |
2023-04-01 | $199,900 (-4.8%) | $339,485 (-1.1%) | 0.00 | 50 |
2023-05-01 | $202,500 (6.9%) | $375,346 (12.4%) | 0.00 | 50 |
2023-06-01 | $227,425 (15.7%) | $423,401 (17.2%) | 0.00 | 52 |
2023-07-01 | $199,925 (2.1%) | $390,156 (15.8%) | 0.00 | 57 |
2023-08-01 | $202,225 (3.7%) | $377,533 (14.9%) | 0.00 | 61 |
2023-09-01 | $210,000 (10.3%) | $395,932 (22.9%) | 0.00 | 60 |
2023-10-01 | $218,700 (21.5%) | $381,609 (18.8%) | 0.00 | 61 |
2023-11-01 | $212,450 (21.9%) | $348,792 (16.2%) | 0.00 | 80 |
2023-12-01 | $189,900 (4.1%) | $323,715 (8.3%) | 0.00 | 80 |
2024-01-01 | $184,925 (8.2%) | $338,116 (13.5%) | 0.00 | 76 |
2024-02-01 | $197,500 (10.1%) | $363,577 (24.5%) | 0.00 | 67 |
2024-03-01 | $205,000 (7.2%) | $322,042 (-4.5%) | 0.00 | 66 |
2024-04-01 | $217,250 (8.7%) | $350,782 (3.3%) | 0.00 | 66 |
2024-05-01 | $272,400 (34.5%) | $382,414 (1.9%) | 0.00 | 63 |
2024-06-01 | $277,400 (22.0%) | $414,269 (-2.2%) | 0.00 | 54 |
2024-07-01 | $281,150 (40.6%) | $347,519 (-10.9%) | 0.00 | 62 |
2024-08-01 | $242,400 (19.9%) | $327,769 (-13.2%) | 0.00 | 66 |
2024-09-01 | $234,000 (11.4%) | $295,133 (-25.5%) | 0.00 | 76 |
2024-10-01 | $231,950 (6.1%) | $285,562 (-25.2%) | 0.00 | 70 |
2024-11-01 | $204,900 (-3.6%) | $242,767 (-30.4%) | 0.00 | 75 |
2024-12-01 | $202,400 (6.6%) | $247,429 (-23.6%) | 0.00 | 61 |
Huntingdon's median listing price comes in at 0% of the national average.
Huntingdon's average listing price for 2024-12-01 was $247,429, a difference of $-76,286 (-23.6%) versus the prior year and $4,662 versus the prior month.
For the 2024-12-01 period, Huntingdon had 61 MLS listings, a difference of -14 listings (-19%) versus the prior month and -19 listings (-24%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Huntingdon (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,573 sqft |
2018-02-01 | 0 days | 1,612 sqft |
2018-03-01 | 0 days | 1,612 sqft |
2018-04-01 | 0 days | 1,648 sqft |
2018-05-01 | 0 days | 1,689 sqft |
2018-06-01 | 0 days | 1,765 sqft |
2018-07-01 | 0 days | 1,650 sqft |
2018-08-01 | 0 days | 1,695 sqft |
2018-09-01 | 0 days | 1,743 sqft |
2018-10-01 | 0 days | 1,698 sqft |
2018-11-01 | 0 days | 1,728 sqft |
2018-12-01 | 0 days | 1,800 sqft |
2019-01-01 | 0 days | 1,609 sqft |
2019-02-01 | 0 days | 1,562 sqft |
2019-03-01 | 0 days | 1,716 sqft |
2019-04-01 | 0 days | 1,826 sqft |
2019-05-01 | 0 days | 1,876 sqft |
2019-06-01 | 0 days | 1,880 sqft |
2019-07-01 | 0 days | 1,871 sqft |
2019-08-01 | 0 days | 1,812 sqft |
2019-09-01 | 0 days | 1,706 sqft |
2019-10-01 | 0 days | 1,674 sqft |
2019-11-01 | 0 days | 1,700 sqft |
2019-12-01 | 0 days | 1,684 sqft |
2020-01-01 | 0 days | 1,617 sqft |
2020-02-01 | 0 days | 1,608 sqft |
2020-03-01 | 0 days | 1,612 sqft |
2020-04-01 | 0 days | 1,582 sqft |
2020-05-01 | 0 days | 1,624 sqft |
2020-06-01 | 0 days | 1,765 sqft |
2020-07-01 | 0 days | 1,846 sqft |
2020-08-01 | 0 days | 1,664 sqft |
2020-09-01 | 0 days | 1,826 sqft |
2020-10-01 | 0 days | 1,803 sqft |
2020-11-01 | 0 days | 1,811 sqft |
2020-12-01 | 0 days | 1,832 sqft |
2021-01-01 | 0 days | 1,772 sqft |
2021-02-01 | 0 days | 1,642 sqft |
2021-03-01 | 0 days | 1,671 sqft |
2021-04-01 | 0 days | 1,663 sqft |
2021-05-01 | 0 days | 1,614 sqft |
2021-06-01 | 0 days | 1,499 sqft |
2021-07-01 | 0 days | 1,514 sqft |
2021-08-01 | 0 days | 1,499 sqft |
2021-09-01 | 0 days | 1,501 sqft |
2021-10-01 | 0 days | 1,490 sqft |
2021-11-01 | 0 days | 1,591 sqft |
2021-12-01 | 0 days | 1,576 sqft |
2022-01-01 | 0 days | 1,574 sqft |
2022-02-01 | 0 days | 1,566 sqft |
2022-03-01 | 0 days | 1,500 sqft |
2022-04-01 | 0 days | 1,566 sqft |
2022-05-01 | 0 days | 1,519 sqft |
2022-06-01 | 0 days | 1,628 sqft |
2022-07-01 | 0 days | 1,600 sqft |
2022-08-01 | 0 days | 1,580 sqft |
2022-09-01 | 0 days | 1,490 sqft |
2022-10-01 | 0 days | 1,555 sqft |
2022-11-01 | 0 days | 1,368 sqft |
2022-12-01 | 0 days | 1,367 sqft |
2023-01-01 | 0 days | 1,369 sqft |
2023-02-01 | 0 days | 1,365 sqft |
2023-03-01 | 0 days | 1,305 sqft |
2023-04-01 | 0 days | 1,359 sqft |
2023-05-01 | 0 days | 1,509 sqft |
2023-06-01 | 0 days | 1,575 sqft |
2023-07-01 | 0 days | 1,602 sqft |
2023-08-01 | 0 days | 1,584 sqft |
2023-09-01 | 0 days | 1,575 sqft |
2023-10-01 | 0 days | 1,633 sqft |
2023-11-01 | 0 days | 1,638 sqft |
2023-12-01 | 0 days | 1,638 sqft |
2024-01-01 | 0 days | 1,704 sqft |
2024-02-01 | 0 days | 1,730 sqft |
2024-03-01 | 0 days | 1,682 sqft |
2024-04-01 | 0 days | 1,661 sqft |
2024-05-01 | 0 days | 1,833 sqft |
2024-06-01 | 0 days | 1,679 sqft |
2024-07-01 | 0 days | 1,722 sqft |
2024-08-01 | 0 days | 1,518 sqft |
2024-09-01 | 0 days | 1,530 sqft |
2024-10-01 | 0 days | 1,509 sqft |
2024-11-01 | 0 days | 1,500 sqft |
2024-12-01 | 0 days | 1,580 sqft |
Huntingdon's median square footage for active listings during the 2024-12-01 period was 1,580 sqft. One year prior, the average listing was 1,638 sqft.