Oshkosh FHA Loan Rates, Closing Costs & Stats
OSHKOSH-NEENAH, WI
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.
Oshkosh's 55 lenders originated 205 FHA loans during 2023. The total origination value was $40,055,000, with an average FHA loan value of $195,390.
Oshkosh FHA Loans, 30 Year Fixed Rates
30 Year FHA mortgages in Oshkosh
averaged
0.1%
for the week of 2024-11-29, compared to the national average (all FHA variants) of
0% for the same period.
Oshkosh's average FHA mortgage closing costs are $5,919.
The average rate for the prior week (2024-11-22) was
6.49% and
one month ago for the week of 2024-10-25, the
average rate was 6.17%.
The average rate one year ago was 7.16%.
For refis of the same type during the week of 2024-11-29, the average rate
was 0.41%.
Oshkosh 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 Oshkosh level.
The top Oshkosh FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with
24 FHA loans originated. Their average total fees are
$9,068, which is $1,669
higher than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Oshkosh FHA lenders (with over 10 loans originated) are
FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($7,399), QUICKEN LOANS, LLC ($9,068), .
The lowest rate Oshkosh FHA lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.34%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.94%), .
Oshkosh FHA Loan Limits
Metro | County | Year | Single Family Limit | 2 Family Limit | 3 Family Limit | 4 Family Limit |
---|---|---|---|---|---|---|
OSHKOSH-NEENAH, WI | WINNEBAGO | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
OSHKOSH-NEENAH, WI | WINNEBAGO | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Oshkosh (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 | $155,000 (9.2%) | $228,544 (6.6%) | 0.57 | 545 |
2018-02-01 | $155,000 (5.2%) | $226,463 (4.7%) | 0.56 | 597 |
2018-03-01 | $169,900 (14.1%) | $236,786 (7.9%) | 0.60 | 613 |
2018-04-01 | $209,925 (32.5%) | $292,679 (31.5%) | 0.71 | 361 |
2018-05-01 | $217,225 (33.8%) | $298,042 (32.7%) | 0.73 | 372 |
2018-06-01 | $199,900 (28.0%) | $281,339 (26.3%) | 0.67 | 394 |
2018-07-01 | $184,425 (19.1%) | $279,191 (26.9%) | 0.62 | 404 |
2018-08-01 | $183,100 (20.9%) | $273,135 (24.0%) | 0.61 | 424 |
2018-09-01 | $182,700 (18.0%) | $266,463 (16.4%) | 0.61 | 423 |
2018-10-01 | $179,450 (15.8%) | $265,726 (16.6%) | 0.61 | 419 |
2018-11-01 | $177,000 (14.3%) | $262,793 (18.2%) | 0.60 | 411 |
2018-12-01 | $169,900 (13.3%) | $261,403 (17.4%) | 0.59 | 371 |
2019-01-01 | $164,900 (6.4%) | $263,994 (15.5%) | 0.57 | 343 |
2019-02-01 | $184,950 (19.3%) | $274,460 (21.2%) | 0.62 | 320 |
2019-03-01 | $198,657 (16.9%) | $283,240 (19.6%) | 0.65 | 303 |
2019-04-01 | $197,207 (-6.1%) | $285,547 (-2.4%) | 0.63 | 290 |
2019-05-01 | $212,400 (-2.2%) | $290,883 (-2.4%) | 0.66 | 303 |
2019-06-01 | $205,000 (2.6%) | $287,275 (2.1%) | 0.64 | 332 |
2019-07-01 | $219,900 (19.2%) | $291,228 (4.3%) | 0.69 | 374 |
2019-08-01 | $222,200 (21.4%) | $300,239 (9.9%) | 0.70 | 389 |
2019-09-01 | $218,150 (19.4%) | $294,530 (10.5%) | 0.70 | 412 |
2019-10-01 | $215,450 (20.1%) | $290,723 (9.4%) | 0.70 | 420 |
2019-11-01 | $209,900 (18.6%) | $289,364 (10.1%) | 0.69 | 392 |
2019-12-01 | $219,900 (29.4%) | $288,791 (10.5%) | 0.73 | 337 |
2020-01-01 | $224,975 (36.4%) | $282,310 (6.9%) | 0.75 | 292 |
2020-02-01 | $237,500 (28.4%) | $297,425 (8.4%) | 0.78 | 272 |
2020-03-01 | $257,425 (29.6%) | $327,901 (15.8%) | 0.81 | 265 |
2020-04-01 | $267,175 (35.5%) | $332,681 (16.5%) | 0.84 | 260 |
2020-05-01 | $264,450 (24.5%) | $336,351 (15.6%) | 0.80 | 241 |
2020-06-01 | $264,900 (29.2%) | $354,117 (23.3%) | 0.78 | 224 |
2020-07-01 | $257,100 (16.9%) | $355,450 (22.1%) | 0.75 | 207 |
2020-08-01 | $236,200 (6.3%) | $328,884 (9.5%) | 0.68 | 214 |
2020-09-01 | $235,575 (8.0%) | $336,022 (14.1%) | 0.68 | 209 |
2020-10-01 | $225,000 (4.4%) | $344,265 (18.4%) | 0.64 | 196 |
2020-11-01 | $219,450 (4.6%) | $328,568 (13.6%) | 0.64 | 183 |
2020-12-01 | $219,200 (-0.3%) | $353,280 (22.3%) | 0.65 | 159 |
2021-01-01 | $230,000 (2.2%) | $381,203 (35.0%) | 0.69 | 121 |
2021-02-01 | $232,450 (-2.1%) | $388,205 (30.5%) | 0.68 | 117 |
2021-03-01 | $238,675 (-7.3%) | $389,385 (18.8%) | 0.68 | 111 |
2021-04-01 | $232,500 (-13.0%) | $373,084 (12.1%) | 0.63 | 117 |
2021-05-01 | $264,900 (0.2%) | $367,714 (9.3%) | 0.70 | 142 |
2021-06-01 | $254,925 (-3.8%) | $363,409 (2.6%) | 0.67 | 159 |
2021-07-01 | $237,500 (-7.6%) | $347,902 (-2.1%) | 0.63 | 164 |
2021-08-01 | $238,675 (1.1%) | $335,995 (2.2%) | 0.64 | 185 |
2021-09-01 | $237,113 (0.7%) | $338,758 (0.8%) | 0.63 | 188 |
2021-10-01 | $239,500 (6.4%) | $349,191 (1.4%) | 0.64 | 181 |
2021-11-01 | $254,450 (16.0%) | $352,438 (7.3%) | 0.68 | 172 |
2021-12-01 | $241,200 (10.0%) | $323,559 (-8.4%) | 0.65 | 141 |
2022-01-01 | $249,900 (8.7%) | $338,529 (-11.2%) | 0.68 | 107 |
2022-02-01 | $247,450 (6.5%) | $341,178 (-12.1%) | 0.64 | 99 |
2022-03-01 | $282,950 (18.6%) | $368,048 (-5.5%) | 0.71 | 76 |
2022-04-01 | $292,400 (25.8%) | $348,184 (-6.7%) | 0.70 | 96 |
2022-05-01 | $292,900 (10.6%) | $349,401 (-5.0%) | 0.67 | 125 |
2022-06-01 | $288,720 (13.3%) | $342,091 (-5.9%) | 0.64 | 152 |
2022-07-01 | $259,900 (9.4%) | $334,065 (-4.0%) | 0.59 | 168 |
2022-08-01 | $293,725 (23.1%) | $354,521 (5.5%) | 0.68 | 172 |
2022-09-01 | $274,925 (16.0%) | $348,999 (3.0%) | 0.64 | 146 |
2022-10-01 | $269,900 (12.7%) | $333,526 (-4.5%) | 0.64 | 160 |
2022-11-01 | $287,200 (12.9%) | $346,333 (-1.7%) | 0.69 | 163 |
2022-12-01 | $279,900 (16.0%) | $351,995 (8.8%) | 0.69 | 153 |
2023-01-01 | $336,400 (34.6%) | $409,667 (21.0%) | 0.83 | 114 |
2023-02-01 | $370,150 (49.6%) | $442,578 (29.7%) | 0.89 | 103 |
2023-03-01 | $373,425 (32.0%) | $443,724 (20.6%) | 0.88 | 92 |
2023-04-01 | $331,987 (13.5%) | $407,724 (17.1%) | 0.77 | 113 |
2023-05-01 | $314,550 (7.4%) | $395,385 (13.2%) | 0.71 | 109 |
2023-06-01 | $333,700 (15.6%) | $398,872 (16.6%) | 0.75 | 118 |
2023-07-01 | $324,900 (25.0%) | $401,434 (20.2%) | 0.74 | 120 |
2023-08-01 | $335,550 (14.2%) | $402,753 (13.6%) | 0.77 | 119 |
2023-09-01 | $317,250 (15.4%) | $395,294 (13.3%) | 0.74 | 139 |
2023-10-01 | $314,900 (16.7%) | $380,025 (13.9%) | 0.74 | 151 |
2023-11-01 | $317,400 (10.5%) | $378,299 (9.2%) | 0.76 | 153 |
2023-12-01 | $294,900 (5.4%) | $379,696 (7.9%) | 0.72 | 136 |
2024-01-01 | $307,200 (-8.7%) | $386,872 (-5.6%) | 0.75 | 111 |
2024-02-01 | $324,800 (-12.3%) | $400,739 (-9.5%) | 0.78 | 101 |
2024-03-01 | $349,500 (-6.4%) | $435,520 (-1.9%) | 0.82 | 115 |
2024-04-01 | $358,550 (8.0%) | $449,684 (10.3%) | 0.83 | 145 |
2024-05-01 | $399,675 (27.1%) | $467,010 (18.1%) | 0.90 | 151 |
2024-06-01 | $389,450 (16.7%) | $448,334 (12.4%) | 0.88 | 150 |
2024-07-01 | $348,675 (7.3%) | $419,591 (4.5%) | 0.80 | 149 |
2024-08-01 | $329,900 (-1.7%) | $406,834 (1.0%) | 0.77 | 190 |
2024-09-01 | $304,900 (-3.9%) | $380,716 (-3.7%) | 0.72 | 205 |
2024-10-01 | $312,400 (-0.8%) | $372,270 (-2.0%) | 0.74 | 213 |
Oshkosh's median listing price comes in at 74% of the national average.
Oshkosh's average listing price for 2024-10-01 was $372,270, a difference of $-7,755 (-2.0%) versus the prior year and $-8,446 versus the prior month.
For the 2024-10-01 period, Oshkosh had 213 MLS listings, a difference of 8 listings (4%) versus the prior month and 62 listings (41%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Oshkosh (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 84 days | 1,688 sqft |
2018-02-01 | 74 days | 1,672 sqft |
2018-03-01 | 54 days | 1,731 sqft |
2018-04-01 | 55 days | 1,815 sqft |
2018-05-01 | 52 days | 1,828 sqft |
2018-06-01 | 51 days | 1,811 sqft |
2018-07-01 | 52 days | 1,741 sqft |
2018-08-01 | 53 days | 1,743 sqft |
2018-09-01 | 52 days | 1,760 sqft |
2018-10-01 | 57 days | 1,704 sqft |
2018-11-01 | 65 days | 1,669 sqft |
2018-12-01 | 81 days | 1,662 sqft |
2019-01-01 | 91 days | 1,663 sqft |
2019-02-01 | 88 days | 1,675 sqft |
2019-03-01 | 75 days | 1,698 sqft |
2019-04-01 | 62 days | 1,725 sqft |
2019-05-01 | 50 days | 1,776 sqft |
2019-06-01 | 47 days | 1,822 sqft |
2019-07-01 | 50 days | 1,823 sqft |
2019-08-01 | 52 days | 1,840 sqft |
2019-09-01 | 52 days | 1,804 sqft |
2019-10-01 | 52 days | 1,780 sqft |
2019-11-01 | 64 days | 1,797 sqft |
2019-12-01 | 80 days | 1,776 sqft |
2020-01-01 | 82 days | 1,750 sqft |
2020-02-01 | 68 days | 1,776 sqft |
2020-03-01 | 53 days | 1,818 sqft |
2020-04-01 | 55 days | 1,890 sqft |
2020-05-01 | 67 days | 1,839 sqft |
2020-06-01 | 58 days | 1,846 sqft |
2020-07-01 | 53 days | 1,872 sqft |
2020-08-01 | 50 days | 1,790 sqft |
2020-09-01 | 50 days | 1,780 sqft |
2020-10-01 | 59 days | 1,788 sqft |
2020-11-01 | 56 days | 1,771 sqft |
2020-12-01 | 63 days | 1,761 sqft |
2021-01-01 | 79 days | 1,762 sqft |
2021-02-01 | 68 days | 1,836 sqft |
2021-03-01 | 45 days | 1,752 sqft |
2021-04-01 | 41 days | 1,729 sqft |
2021-05-01 | 29 days | 1,740 sqft |
2021-06-01 | 30 days | 1,773 sqft |
2021-07-01 | 44 days | 1,725 sqft |
2021-08-01 | 38 days | 1,720 sqft |
2021-09-01 | 46 days | 1,627 sqft |
2021-10-01 | 47 days | 1,643 sqft |
2021-11-01 | 51 days | 1,698 sqft |
2021-12-01 | 54 days | 1,689 sqft |
2022-01-01 | 57 days | 1,765 sqft |
2022-02-01 | 40 days | 1,607 sqft |
2022-03-01 | 43 days | 1,732 sqft |
2022-04-01 | 26 days | 1,610 sqft |
2022-05-01 | 25 days | 1,665 sqft |
2022-06-01 | 22 days | 1,709 sqft |
2022-07-01 | 32 days | 1,657 sqft |
2022-08-01 | 40 days | 1,664 sqft |
2022-09-01 | 43 days | 1,674 sqft |
2022-10-01 | 42 days | 1,652 sqft |
2022-11-01 | 49 days | 1,700 sqft |
2022-12-01 | 51 days | 1,651 sqft |
2023-01-01 | 61 days | 1,700 sqft |
2023-02-01 | 59 days | 1,753 sqft |
2023-03-01 | 46 days | 1,812 sqft |
2023-04-01 | 34 days | 1,788 sqft |
2023-05-01 | 37 days | 1,749 sqft |
2023-06-01 | 38 days | 1,837 sqft |
2023-07-01 | 31 days | 1,884 sqft |
2023-08-01 | 37 days | 1,906 sqft |
2023-09-01 | 32 days | 1,847 sqft |
2023-10-01 | 35 days | 1,830 sqft |
2023-11-01 | 42 days | 1,788 sqft |
2023-12-01 | 48 days | 1,769 sqft |
2024-01-01 | 48 days | 1,702 sqft |
2024-02-01 | 41 days | 1,787 sqft |
2024-03-01 | 29 days | 1,847 sqft |
2024-04-01 | 27 days | 1,852 sqft |
2024-05-01 | 30 days | 1,859 sqft |
2024-06-01 | 23 days | 2,008 sqft |
2024-07-01 | 35 days | 1,970 sqft |
2024-08-01 | 29 days | 1,829 sqft |
2024-09-01 | 35 days | 1,741 sqft |
2024-10-01 | 37 days | 1,700 sqft |
Oshkosh's median square footage for active listings during the 2024-10-01 period was 1,700 sqft. One year prior, the average listing was 1,830 sqft.