Sunbury FHA Loan Rates, Closing Costs & Stats
Sunbury, 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.
Sunbury's 41 lenders originated 177 FHA loans during 2023. The total origination value was $25,955,000, with an average FHA loan value of $146,638.
Sunbury FHA Loans, 30 Year Fixed Rates
30 Year FHA mortgages in Sunbury
averaged
0.16%
for the week of 2024-11-29, compared to the national average (all FHA variants) of
0% for the same period.
Sunbury's average FHA mortgage closing costs are $6,678.
The average rate for the prior week (2024-11-22) was
6.55% and
one month ago for the week of 2024-10-25, the
average rate was 6.43%.
The average rate one year ago was 6.92%.
For refis of the same type during the week of 2024-11-29, the average rate
was 1.49%.
Sunbury 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 Sunbury level.
The top Sunbury FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with
45 FHA loans originated. Their average total fees are
$8,056, which is $448
higher than the next largest lender,
PRIMELENDING, A PLAINSCAPITAL COMPANY.
The lowest fee Sunbury FHA lenders (with over 10 loans originated) are
PRIMELENDING, A PLAINSCAPITAL COMPANY ($7,608), QUICKEN LOANS, LLC ($8,056), .
The lowest rate Sunbury FHA lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.22%), PRIMELENDING, A PLAINSCAPITAL COMPANY (6.66%), .
Sunbury FHA Loan Limits
Metro | County | Year | Single Family Limit | 2 Family Limit | 3 Family Limit | 4 Family Limit |
---|---|---|---|---|---|---|
SUNBURY, PA | NORTHUMBERLAND | 2022 | $420,680 | $538,650 | $651,050 | $809,150 |
SUNBURY, PA | NORTHUMBERLAND | 2023 | $472,030 | $604,400 | $730,525 | $907,900 |
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Sunbury (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 | $98,950 (21.4%) | $123,915 (5.4%) | 0.00 | 318 |
2018-02-01 | $99,225 (16.8%) | $124,949 (5.4%) | 0.00 | 293 |
2018-03-01 | $99,900 (11.5%) | $130,504 (4.3%) | 0.00 | 296 |
2018-04-01 | $99,950 (1.2%) | $136,196 (0.5%) | 0.00 | 309 |
2018-05-01 | $101,400 (2.0%) | $136,819 (2.2%) | 0.00 | 295 |
2018-06-01 | $98,900 (0.2%) | $134,963 (3.4%) | 0.00 | 295 |
2018-07-01 | $99,300 (10.5%) | $132,907 (8.1%) | 0.00 | 313 |
2018-08-01 | $98,225 (9.3%) | $130,150 (3.9%) | 0.00 | 313 |
2018-09-01 | $99,900 (11.1%) | $134,708 (10.1%) | 0.00 | 299 |
2018-10-01 | $106,000 (17.9%) | $132,997 (6.7%) | 0.00 | 300 |
2018-11-01 | $111,500 (15.0%) | $138,444 (11.8%) | 0.00 | 301 |
2018-12-01 | $109,900 (11.1%) | $138,822 (12.1%) | 0.00 | 289 |
2019-01-01 | $113,250 (14.5%) | $137,553 (11.0%) | 0.00 | 271 |
2019-02-01 | $112,200 (13.1%) | $138,422 (10.8%) | 0.00 | 276 |
2019-03-01 | $115,100 (15.2%) | $139,712 (7.1%) | 0.00 | 272 |
2019-04-01 | $107,450 (7.5%) | $139,416 (2.4%) | 0.00 | 263 |
2019-05-01 | $109,750 (8.2%) | $142,835 (4.4%) | 0.00 | 265 |
2019-06-01 | $110,000 (11.2%) | $145,370 (7.7%) | 0.00 | 278 |
2019-07-01 | $112,075 (12.9%) | $141,721 (6.6%) | 0.00 | 289 |
2019-08-01 | $104,964 (6.9%) | $136,155 (4.6%) | 0.00 | 284 |
2019-09-01 | $99,359 (-0.5%) | $133,318 (-1.0%) | 0.00 | 270 |
2019-10-01 | $92,288 (-12.9%) | $131,423 (-1.2%) | 0.00 | 261 |
2019-11-01 | $85,750 (-23.1%) | $128,955 (-6.9%) | 0.00 | 263 |
2019-12-01 | $82,850 (-24.6%) | $127,133 (-8.4%) | 0.00 | 253 |
2020-01-01 | $85,625 (-24.4%) | $129,091 (-6.2%) | 0.00 | 233 |
2020-02-01 | $75,000 (-33.2%) | $126,413 (-8.7%) | 0.00 | 219 |
2020-03-01 | $75,000 (-34.8%) | $134,104 (-4.0%) | 0.00 | 224 |
2020-04-01 | $88,000 (-18.1%) | $141,600 (1.6%) | 0.00 | 211 |
2020-05-01 | $97,500 (-11.2%) | $147,208 (3.1%) | 0.00 | 202 |
2020-06-01 | $96,575 (-12.2%) | $159,800 (9.9%) | 0.00 | 176 |
2020-07-01 | $119,900 (7.0%) | $162,106 (14.4%) | 0.00 | 177 |
2020-08-01 | $112,950 (7.6%) | $155,198 (14.0%) | 0.00 | 170 |
2020-09-01 | $98,100 (-1.3%) | $147,513 (10.7%) | 0.00 | 148 |
2020-10-01 | $94,750 (2.7%) | $141,193 (7.4%) | 0.00 | 127 |
2020-11-01 | $96,500 (12.5%) | $138,940 (7.7%) | 0.00 | 124 |
2020-12-01 | $99,266 (19.8%) | $133,448 (5.0%) | 0.00 | 108 |
2021-01-01 | $96,500 (12.7%) | $138,549 (7.3%) | 0.00 | 97 |
2021-02-01 | $83,700 (11.6%) | $134,113 (6.1%) | 0.00 | 86 |
2021-03-01 | $93,900 (25.2%) | $152,928 (14.0%) | 0.00 | 86 |
2021-04-01 | $115,150 (30.9%) | $167,169 (18.1%) | 0.00 | 82 |
2021-05-01 | $96,900 (-0.6%) | $168,271 (14.3%) | 0.00 | 83 |
2021-06-01 | $81,200 (-15.9%) | $146,107 (-8.6%) | 0.00 | 96 |
2021-07-01 | $87,450 (-27.1%) | $150,349 (-7.3%) | 0.00 | 120 |
2021-08-01 | $79,900 (-29.3%) | $129,629 (-16.5%) | 0.00 | 121 |
2021-09-01 | $87,475 (-10.8%) | $143,967 (-2.4%) | 0.00 | 117 |
2021-10-01 | $94,950 (0.2%) | $155,767 (10.3%) | 0.00 | 116 |
2021-11-01 | $85,750 (-11.1%) | $141,577 (1.9%) | 0.00 | 122 |
2021-12-01 | $85,000 (-14.4%) | $147,281 (10.4%) | 0.00 | 112 |
2022-01-01 | $84,900 (-12.0%) | $139,849 (0.9%) | 0.00 | 98 |
2022-02-01 | $74,450 (-11.1%) | $131,133 (-2.2%) | 0.00 | 76 |
2022-03-01 | $82,825 (-11.8%) | $165,280 (8.1%) | 0.00 | 70 |
2022-04-01 | $80,000 (-30.5%) | $176,609 (5.7%) | 0.00 | 78 |
2022-05-01 | $84,950 (-12.3%) | $167,171 (-0.7%) | 0.00 | 99 |
2022-06-01 | $107,370 (32.2%) | $185,664 (27.1%) | 0.00 | 122 |
2022-07-01 | $109,950 (25.7%) | $180,430 (20.0%) | 0.00 | 130 |
2022-08-01 | $109,000 (36.4%) | $175,596 (35.5%) | 0.00 | 141 |
2022-09-01 | $107,475 (22.9%) | $167,326 (16.2%) | 0.00 | 154 |
2022-10-01 | $102,443 (7.9%) | $158,100 (1.5%) | 0.00 | 157 |
2022-11-01 | $99,225 (15.7%) | $148,648 (5.0%) | 0.00 | 165 |
2022-12-01 | $97,000 (14.1%) | $148,891 (1.1%) | 0.00 | 159 |
2023-01-01 | $122,400 (44.2%) | $149,633 (7.0%) | 0.00 | 154 |
2023-02-01 | $99,500 (33.7%) | $142,781 (8.9%) | 0.00 | 128 |
2023-03-01 | $108,750 (31.3%) | $146,668 (-11.3%) | 0.00 | 108 |
2023-04-01 | $118,000 (47.5%) | $163,488 (-7.4%) | 0.00 | 111 |
2023-05-01 | $131,175 (54.4%) | $185,955 (11.2%) | 0.00 | 108 |
2023-06-01 | $137,475 (28.0%) | $192,506 (3.7%) | 0.00 | 123 |
2023-07-01 | $125,000 (13.7%) | $194,026 (7.5%) | 0.00 | 122 |
2023-08-01 | $105,700 (-3.0%) | $191,067 (8.8%) | 0.00 | 126 |
2023-09-01 | $139,900 (30.2%) | $183,186 (9.5%) | 0.00 | 134 |
2023-10-01 | $137,000 (33.7%) | $179,999 (13.9%) | 0.00 | 129 |
2023-11-01 | $146,675 (47.8%) | $196,110 (31.9%) | 0.00 | 124 |
2023-12-01 | $149,900 (54.5%) | $202,003 (35.7%) | 0.00 | 125 |
2024-01-01 | $149,925 (22.5%) | $205,147 (37.1%) | 0.00 | 106 |
2024-02-01 | $151,200 (52.0%) | $200,189 (40.2%) | 0.00 | 108 |
2024-03-01 | $172,500 (58.6%) | $207,356 (41.4%) | 0.00 | 110 |
2024-04-01 | $162,450 (37.7%) | $217,417 (33.0%) | 0.00 | 117 |
2024-05-01 | $159,925 (21.9%) | $238,013 (28.0%) | 0.00 | 133 |
2024-06-01 | $170,000 (23.7%) | $241,543 (25.5%) | 0.00 | 125 |
2024-07-01 | $169,900 (35.9%) | $229,211 (18.1%) | 0.00 | 138 |
2024-08-01 | $169,900 (60.7%) | $229,739 (20.2%) | 0.00 | 143 |
2024-09-01 | $159,500 (14.0%) | $215,727 (17.8%) | 0.00 | 147 |
2024-10-01 | $169,900 (24.0%) | $230,581 (28.1%) | 0.00 | 148 |
Sunbury's median listing price comes in at 0% of the national average.
Sunbury's average listing price for 2024-10-01 was $230,581, a difference of $50,582 (28.1%) versus the prior year and $14,854 versus the prior month.
For the 2024-10-01 period, Sunbury had 148 MLS listings, a difference of 1 listings (1%) versus the prior month and 19 listings (15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Sunbury (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,440 sqft |
2018-02-01 | 0 days | 1,456 sqft |
2018-03-01 | 0 days | 1,480 sqft |
2018-04-01 | 0 days | 1,500 sqft |
2018-05-01 | 0 days | 1,536 sqft |
2018-06-01 | 0 days | 1,560 sqft |
2018-07-01 | 0 days | 1,536 sqft |
2018-08-01 | 0 days | 1,536 sqft |
2018-09-01 | 0 days | 1,512 sqft |
2018-10-01 | 0 days | 1,518 sqft |
2018-11-01 | 0 days | 1,558 sqft |
2018-12-01 | 0 days | 1,582 sqft |
2019-01-01 | 0 days | 1,583 sqft |
2019-02-01 | 0 days | 1,552 sqft |
2019-03-01 | 0 days | 1,570 sqft |
2019-04-01 | 0 days | 1,590 sqft |
2019-05-01 | 0 days | 1,633 sqft |
2019-06-01 | 0 days | 1,628 sqft |
2019-07-01 | 0 days | 1,631 sqft |
2019-08-01 | 0 days | 1,600 sqft |
2019-09-01 | 0 days | 1,582 sqft |
2019-10-01 | 0 days | 1,565 sqft |
2019-11-01 | 0 days | 1,560 sqft |
2019-12-01 | 0 days | 1,536 sqft |
2020-01-01 | 0 days | 1,548 sqft |
2020-02-01 | 0 days | 1,467 sqft |
2020-03-01 | 0 days | 1,560 sqft |
2020-04-01 | 0 days | 1,578 sqft |
2020-05-01 | 0 days | 1,624 sqft |
2020-06-01 | 0 days | 1,660 sqft |
2020-07-01 | 0 days | 1,714 sqft |
2020-08-01 | 0 days | 1,646 sqft |
2020-09-01 | 0 days | 1,595 sqft |
2020-10-01 | 0 days | 1,572 sqft |
2020-11-01 | 0 days | 1,557 sqft |
2020-12-01 | 0 days | 1,526 sqft |
2021-01-01 | 0 days | 1,572 sqft |
2021-02-01 | 0 days | 1,577 sqft |
2021-03-01 | 0 days | 1,525 sqft |
2021-04-01 | 0 days | 1,540 sqft |
2021-05-01 | 0 days | 1,376 sqft |
2021-06-01 | 0 days | 1,374 sqft |
2021-07-01 | 0 days | 1,414 sqft |
2021-08-01 | 0 days | 1,362 sqft |
2021-09-01 | 0 days | 1,406 sqft |
2021-10-01 | 0 days | 1,496 sqft |
2021-11-01 | 0 days | 1,470 sqft |
2021-12-01 | 0 days | 1,410 sqft |
2022-01-01 | 0 days | 1,398 sqft |
2022-02-01 | 0 days | 1,346 sqft |
2022-03-01 | 0 days | 1,479 sqft |
2022-04-01 | 0 days | 1,440 sqft |
2022-05-01 | 0 days | 1,405 sqft |
2022-06-01 | 0 days | 1,590 sqft |
2022-07-01 | 0 days | 1,590 sqft |
2022-08-01 | 0 days | 1,544 sqft |
2022-09-01 | 0 days | 1,526 sqft |
2022-10-01 | 0 days | 1,510 sqft |
2022-11-01 | 0 days | 1,500 sqft |
2022-12-01 | 0 days | 1,536 sqft |
2023-01-01 | 0 days | 1,526 sqft |
2023-02-01 | 0 days | 1,433 sqft |
2023-03-01 | 0 days | 1,414 sqft |
2023-04-01 | 0 days | 1,412 sqft |
2023-05-01 | 0 days | 1,574 sqft |
2023-06-01 | 0 days | 1,627 sqft |
2023-07-01 | 0 days | 1,512 sqft |
2023-08-01 | 0 days | 1,538 sqft |
2023-09-01 | 0 days | 1,576 sqft |
2023-10-01 | 0 days | 1,554 sqft |
2023-11-01 | 0 days | 1,547 sqft |
2023-12-01 | 0 days | 1,527 sqft |
2024-01-01 | 0 days | 1,547 sqft |
2024-02-01 | 0 days | 1,570 sqft |
2024-03-01 | 0 days | 1,560 sqft |
2024-04-01 | 0 days | 1,652 sqft |
2024-05-01 | 0 days | 1,680 sqft |
2024-06-01 | 0 days | 1,829 sqft |
2024-07-01 | 0 days | 1,607 sqft |
2024-08-01 | 0 days | 1,592 sqft |
2024-09-01 | 0 days | 1,561 sqft |
2024-10-01 | 0 days | 1,599 sqft |
Sunbury's median square footage for active listings during the 2024-10-01 period was 1,599 sqft. One year prior, the average listing was 1,554 sqft.