USDA Loan Rates, Closing Costs & Stats
USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.
898 lenders originated 44,964 USDA loans during 2022. The total origination value was $8,556,990,000, with an average USDA loan value of $190,308.
National USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in the US averaged
-0.23%
for the week of 2023-11-24, compared to the national average (all USDA variants) of
0% for the same period.
's average USDA mortgage closing costs are $0.
The average rate for the prior week (2023-11-17) was
6.76% and
one month ago for the week of 2023-10-20, the
average rate was 7.28%.
The average rate one year ago was 6.22%.
For refis of the same type during the week of 2023-11-24, the average rate
was -1.69%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
National USDA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the National level.
The top National USDA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
1,332 USDA loans originated. Their average total fees are
$6,411, which is $1,062
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee National USDA lenders (with over 10 loans originated) are
OCEANSIDE MORTGAGE COMPANY ($1,461), Mortgage Investment Services Corporation ($2,260), CHERRY CREEK MORTGAGE, LLC ($2,411), Unify Home Lending Inc. ($2,620) and FIRST OHIO HOME FINANCE, INC. ($2,687).
The lowest rate National USDA lenders (with over 10 loans originated) are
PENNYMAC LOAN SERVICES, LLC (3.13%), LAKEVIEW LOAN SERVICING, LLC (3.38%), OCEANSIDE MORTGAGE COMPANY (3.55%), Banner Bank (3.55%) and FREEDOM FIRST (3.62%).
Top USDA 30 Year Fixed, (purchase, first lien) Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| BATON ROUGE, LA | 1,022 | $214,180,000 | $209,569 | $6,298 | 4.61% |
| SAN JUAN-BAYAMÓN-CAGUAS, PR | 1,426 | $174,650,000 | $122,475 | $7,525 | 4.98% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 531 | $162,595,000 | $306,205 | $8,847 | 4.41% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA | 492 | $119,330,000 | $242,541 | $7,322 | 4.70% |
| NEW ORLEANS-METAIRIE, LA | 518 | $107,760,000 | $208,031 | $6,586 | 4.50% |
| LAFAYETTE, LA | 558 | $105,460,000 | $188,996 | $6,065 | 4.57% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN | 338 | $92,220,000 | $272,840 | $7,568 | 4.42% |
| HAGERSTOWN-MARTINSBURG, MD-WV | 378 | $88,920,000 | $235,238 | $7,838 | 4.65% |
| ST. LOUIS, MO-IL | 513 | $86,445,000 | $168,509 | $5,254 | 4.84% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 342 | $79,290,000 | $231,842 | $7,510 | 4.55% |
| CINCINNATI, OH-KY-IN | 391 | $75,455,000 | $192,980 | $6,505 | 4.91% |
| KNOXVILLE, TN | 349 | $72,625,000 | $208,095 | $6,903 | 4.61% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 390 | $69,460,000 | $178,103 | $5,592 | 4.85% |
| PITTSBURGH, PA | 495 | $69,275,000 | $139,949 | $5,940 | 4.78% |
| BIRMINGHAM-HOOVER, AL | 335 | $68,495,000 | $204,463 | $5,941 | 4.64% |
| JACKSON, MS | 328 | $68,440,000 | $208,659 | $6,817 | 4.70% |
| Dallas-Fort Worth-Arlington, TX | 175 | $67,815,000 | $387,514 | $9,225 | 4.51% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 321 | $62,285,000 | $194,034 | $5,616 | 4.95% |
| HUNTSVILLE, AL | 243 | $61,555,000 | $253,313 | $7,211 | 4.37% |
| GREENVILLE-ANDERSON, SC | 293 | $60,335,000 | $205,922 | $7,095 | 4.53% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | 232 | $60,000,000 | $258,621 | $8,387 | 4.39% |
| RALEIGH-CARY, NC | 209 | $59,635,000 | $285,335 | $8,058 | 4.46% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 231 | $59,135,000 | $255,996 | $7,415 | 4.57% |
| KANSAS CITY, MO-KS | 305 | $58,095,000 | $190,475 | $5,421 | 4.96% |
| SAN ANTONIO-NEW BRAUNFELS, TX | 206 | $55,140,000 | $267,670 | $8,650 | 4.22% |
| MEMPHIS, TN-MS-AR | 266 | $54,700,000 | $205,639 | $6,026 | 4.63% |
| LOUISVILLE, KY | 282 | $54,100,000 | $191,844 | $5,456 | 4.73% |
| RICHMOND, VA | 200 | $53,480,000 | $267,400 | $7,953 | 4.56% |
| CALIFORNIA-LEXINGTON PARK, MD | 177 | $52,675,000 | $297,599 | $8,835 | 4.53% |
| SPARTANBURG, SC | 236 | $51,790,000 | $219,449 | $7,445 | 4.61% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR | 227 | $51,675,000 | $227,643 | $6,080 | 4.56% |
| SPRINGFIELD, MO | 264 | $49,370,000 | $187,008 | $5,201 | 4.88% |
| SALISBURY, MD-DE | 208 | $49,070,000 | $235,913 | $8,211 | 4.52% |
| TULSA, OK | 275 | $47,365,000 | $172,236 | $6,303 | 4.92% |
| GULFPORT-BILOXI, MS | 253 | $45,965,000 | $181,680 | $6,238 | 4.79% |
| HOUMA-THIBODAUX, LA | 246 | $45,570,000 | $185,244 | $7,088 | 4.64% |
| Detroit-Warren-Dearborn, MI | 199 | $41,975,000 | $210,930 | $6,884 | 4.91% |
| LYNCHBURG, VA | 211 | $41,645,000 | $197,370 | $6,529 | 4.48% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX | 134 | $41,030,000 | $306,194 | $9,646 | 4.17% |
| HICKORY-LENOIR-MORGANTON, NC | 221 | $40,545,000 | $183,462 | $6,855 | 4.77% |
| HAMMOND, LA | 198 | $39,260,000 | $198,283 | $6,331 | 4.73% |
| PROVO-OREM, UT | 102 | $38,100,000 | $373,529 | $9,542 | 3.92% |
| OCALA, FL | 171 | $37,705,000 | $220,497 | $8,163 | 4.60% |
| BALTIMORE-COLUMBIA-TOWSON, MD | 118 | $37,700,000 | $319,492 | $9,581 | 4.52% |
| MOBILE, AL | 193 | $37,345,000 | $193,497 | $5,466 | 4.63% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 165 | $37,085,000 | $224,758 | $8,439 | 4.72% |
| HUNTINGTON-ASHLAND, WV-KY-OH | 256 | $36,030,000 | $140,742 | $5,580 | 5.06% |
| PHOENIX-MESA-CHANDLER, AZ | 132 | $35,430,000 | $268,409 | $8,553 | 4.74% |
| COLUMBUS, OH | 189 | $34,135,000 | $180,608 | $6,768 | 5.05% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 91 | $33,935,000 | $372,912 | $11,428 | 4.15% |
| SHREVEPORT-BOSSIER CITY, LA | 181 | $33,645,000 | $185,884 | $6,308 | 4.74% |
| OKLAHOMA CITY, OK | 189 | $33,155,000 | $175,423 | $6,054 | 4.93% |
| FAYETTEVILLE, NC | 150 | $31,600,000 | $210,667 | $6,487 | 4.68% |
| COLUMBIA, SC | 137 | $31,325,000 | $228,650 | $7,443 | 4.62% |
| BOWLING GREEN, KY | 159 | $30,995,000 | $194,937 | $5,721 | 4.60% |
| WINSTON-SALEM, NC | 148 | $30,880,000 | $208,649 | $7,217 | 4.66% |
| LAKELAND-WINTER HAVEN, FL | 117 | $30,475,000 | $260,470 | $9,587 | 4.60% |
| MONROE, LA | 173 | $30,405,000 | $175,751 | $5,908 | 4.89% |
| LANSING-EAST LANSING, MI | 189 | $29,905,000 | $158,228 | $5,379 | 4.98% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 124 | $29,400,000 | $237,097 | $7,365 | 4.34% |
| London, KY | 182 | $29,320,000 | $161,099 | $5,062 | 5.07% |
| GREENSBORO-HIGH POINT, NC | 164 | $28,350,000 | $172,866 | $5,414 | 4.71% |
| CHAMBERSBURG-WAYNESBORO, PA | 144 | $27,700,000 | $192,361 | $7,360 | 4.57% |
| DAPHNE-FAIRHOPE-FOLEY, AL | 112 | $27,650,000 | $246,875 | $6,082 | 4.26% |
| FLINT, MI | 168 | $27,500,000 | $163,690 | $5,834 | 5.12% |
| FORT SMITH, AR-OK | 178 | $27,120,000 | $152,360 | $4,952 | 4.78% |
| BLACKSBURG-CHRISTIANSBURG, VA | 150 | $26,420,000 | $176,133 | $5,701 | 4.73% |
| JACKSON, TN | 168 | $26,330,000 | $156,726 | $5,038 | 4.75% |
| URBAN HONOLULU, HI | 56 | $26,160,000 | $467,143 | $11,592 | 3.77% |
| GRAND RAPIDS-KENTWOOD, MI | 134 | $25,360,000 | $189,254 | $5,912 | 4.98% |
| Tupelo, MS | 170 | $25,230,000 | $148,412 | $5,651 | 4.79% |
| EL CENTRO, CA | 81 | $25,105,000 | $309,938 | $10,742 | 4.18% |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 122 | $24,780,000 | $203,115 | $6,787 | 4.61% |
| JOPLIN, MO | 171 | $24,535,000 | $143,480 | $4,699 | 5.04% |
| CHATTANOOGA, TN-GA | 127 | $24,525,000 | $193,110 | $6,537 | 4.83% |
| LEXINGTON-FAYETTE, KY | 128 | $24,440,000 | $190,938 | $5,456 | 4.49% |
| PORTLAND-SOUTH PORTLAND, ME | 89 | $24,185,000 | $271,742 | $7,211 | 4.24% |
| TALLAHASSEE, FL | 114 | $24,010,000 | $210,614 | $7,570 | 4.44% |
| Cullman, AL | 132 | $23,470,000 | $177,803 | $5,042 | 4.54% |
| JACKSONVILLE, NC | 116 | $23,300,000 | $200,862 | $6,542 | 4.56% |
| DES MOINES-WEST DES MOINES, IA | 137 | $23,005,000 | $167,920 | $5,032 | 4.70% |
| MORRISTOWN, TN | 108 | $22,690,000 | $210,093 | $7,556 | 4.78% |
| DOVER, DE | 85 | $22,625,000 | $266,176 | $8,844 | 4.43% |
| WORCESTER, MA-CT | 85 | $22,465,000 | $264,294 | $8,062 | 4.76% |
| IOWA CITY, IA | 48 | $22,440,000 | $467,500 | $4,486 | 4.53% |
| Tullahoma-Manchester, TN | 106 | $21,980,000 | $207,358 | $6,341 | 4.63% |
| Russellville, AR | 142 | $21,960,000 | $154,648 | $4,538 | 4.58% |
| Farmington, MO | 152 | $21,900,000 | $144,079 | $5,378 | 5.24% |
| Searcy, AR | 141 | $21,365,000 | $151,525 | $4,642 | 4.73% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 75 | $21,285,000 | $283,800 | $8,943 | 4.76% |
| CUMBERLAND, MD-WV | 150 | $20,750,000 | $138,333 | $4,608 | 4.92% |
| JONESBORO, AR | 138 | $20,500,000 | $148,551 | $4,603 | 4.98% |
| YORK-HANOVER, PA | 101 | $20,385,000 | $201,832 | $7,224 | 4.73% |
| Albertville, AL | 111 | $19,985,000 | $180,045 | $5,322 | 4.59% |
| DOTHAN, AL | 116 | $19,770,000 | $170,431 | $5,319 | 4.83% |
| ALEXANDRIA, LA | 120 | $19,640,000 | $163,667 | $5,980 | 4.75% |
| HATTIESBURG, MS | 105 | $18,905,000 | $180,048 | $5,744 | 4.61% |
| Bluefield, WV-VA | 144 | $18,810,000 | $130,625 | $5,553 | 4.89% |
| PENSACOLA-FERRY PASS-BRENT, FL | 81 | $18,605,000 | $229,691 | $7,677 | 4.62% |
| LAKE HAVASU CITY-KINGMAN, AZ | 85 | $18,575,000 | $218,529 | $7,264 | 4.66% |
| LAKE CHARLES, LA | 107 | $18,575,000 | $173,598 | $5,612 | 4.67% |
| ROANOKE, VA | 95 | $18,385,000 | $193,526 | $5,878 | 4.64% |
| YUMA, AZ | 80 | $18,370,000 | $229,625 | $8,108 | 4.80% |
| Poplar Bluff, MO | 146 | $18,030,000 | $123,493 | $5,714 | 5.18% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 83 | $18,005,000 | $216,928 | $7,060 | 4.55% |
| Rock Springs, WY | 81 | $17,835,000 | $220,185 | $6,754 | 4.47% |
| BAKERSFIELD, CA | 65 | $17,745,000 | $273,000 | $9,350 | 4.43% |
| ANCHORAGE, AK | 65 | $17,675,000 | $271,923 | $7,068 | 4.67% |
| Shelby, NC | 92 | $17,520,000 | $190,435 | $5,806 | 4.61% |
| WINCHESTER, VA-WV | 75 | $17,515,000 | $233,533 | $7,783 | 4.60% |
| Paragould, AR | 114 | $17,470,000 | $153,246 | $5,329 | 5.09% |
| Hilo, HI | 52 | $17,210,000 | $330,962 | $9,231 | 4.24% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 68 | $17,080,000 | $251,176 | $8,916 | 4.32% |
| Juneau, AK | 46 | $16,810,000 | $365,435 | $9,447 | 4.40% |
| SAVANNAH, GA | 70 | $16,760,000 | $239,429 | $7,125 | 4.44% |
| FRESNO, CA | 53 | $16,695,000 | $315,000 | $11,215 | 4.20% |
| Seattle-Tacoma-Bellevue, WA | 38 | $16,550,000 | $435,526 | $13,759 | 4.39% |
| LOGAN, UT-ID | 46 | $16,520,000 | $359,130 | $9,722 | 4.25% |
| Gillette, WY | 76 | $16,520,000 | $217,368 | $11,241 | 4.44% |
| KINGSPORT-BRISTOL, TN-VA | 93 | $16,425,000 | $176,613 | $5,906 | 4.71% |
| CHARLESTON, WV | 124 | $16,390,000 | $132,177 | $4,738 | 5.00% |
| AGUADILLA-ISABELA, PR | 132 | $16,000,000 | $121,212 | $6,851 | 4.51% |
| McMinnville, TN | 79 | $15,885,000 | $201,076 | $6,317 | 4.68% |
| TUCSON, AZ | 55 | $15,585,000 | $283,364 | $7,020 | 4.56% |
| Nogales, AZ | 67 | $15,245,000 | $227,537 | $7,601 | 4.55% |
| Roseburg, OR | 56 | $14,980,000 | $267,500 | $9,148 | 4.29% |
| Harrison, AR | 103 | $14,925,000 | $144,903 | $4,320 | 4.76% |
| Chicago-Naperville-Elgin, IL-IN-WI | 81 | $14,865,000 | $183,519 | $6,682 | 4.83% |
| FORT WAYNE, IN | 74 | $14,820,000 | $200,270 | $5,431 | 4.90% |
| Augusta-Waterville, ME | 74 | $14,810,000 | $200,135 | $5,985 | 4.35% |
| Crawfordsville, IN | 97 | $14,675,000 | $151,289 | $4,665 | 5.00% |
| HOMOSASSA SPRINGS, FL | 68 | $14,620,000 | $215,000 | $8,186 | 4.71% |
| GREELEY, CO | 36 | $14,400,000 | $400,000 | $10,698 | 3.87% |
| Dickinson, ND | 64 | $14,400,000 | $225,000 | $6,975 | 4.68% |
| ORLANDO-KISSIMMEE-SANFORD, FL | 58 | $14,300,000 | $246,552 | $8,897 | 4.64% |
| BANGOR, ME | 85 | $14,145,000 | $166,412 | $5,155 | 4.25% |
| Calhoun, GA | 69 | $14,055,000 | $203,696 | $6,368 | 4.76% |
| Hermiston-Pendleton, OR | 56 | $14,000,000 | $250,000 | $8,495 | 4.21% |
| ELIZABETHTOWN-FORT KNOX, KY | 75 | $13,945,000 | $185,933 | $4,985 | 4.71% |
| New York-Newark-Jersey City, NY-NJ-PA | 58 | $13,880,000 | $239,310 | $8,526 | 4.79% |
| Picayune, MS | 79 | $13,805,000 | $174,747 | $6,364 | 5.05% |
| Talladega-Sylacauga, AL | 84 | $13,770,000 | $163,929 | $5,659 | 4.78% |
| Seymour, IN | 86 | $13,740,000 | $159,767 | $5,124 | 5.08% |
| TUSCALOOSA, AL | 71 | $13,505,000 | $190,211 | $5,761 | 4.51% |
| Mountain Home, AR | 87 | $13,475,000 | $154,885 | $3,819 | 4.52% |
| PEORIA, IL | 127 | $13,275,000 | $104,528 | $3,920 | 5.06% |
| Shelbyville, TN | 54 | $13,240,000 | $245,185 | $6,870 | 4.42% |
| ANNISTON-OXFORD, AL | 80 | $13,050,000 | $163,125 | $5,418 | 4.72% |
| Sikeston, MO | 105 | $13,045,000 | $124,238 | $5,726 | 4.92% |
| Cambridge, MD | 57 | $12,965,000 | $227,456 | $8,092 | 4.67% |
| OMAHA-COUNCIL BLUFFS, NE-IA | 75 | $12,935,000 | $172,467 | $5,112 | 4.77% |
| EVANSVILLE, IN-KY | 83 | $12,865,000 | $155,000 | $4,863 | 4.81% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT | 50 | $12,830,000 | $256,600 | $7,404 | 4.61% |
| Branson, MO | 70 | $12,780,000 | $182,571 | $5,545 | 5.00% |
| SIOUX FALLS, SD | 57 | $12,745,000 | $223,596 | $5,348 | 4.62% |
| SAN GERMÁN, PR | 95 | $12,725,000 | $133,947 | $7,512 | 4.54% |
| JEFFERSON CITY, MO | 79 | $12,725,000 | $161,076 | $5,112 | 5.16% |
| CHARLOTTESVILLE, VA | 51 | $12,705,000 | $249,118 | $8,019 | 4.49% |
| COLUMBIA, MO | 68 | $12,520,000 | $184,118 | $5,317 | 5.09% |
| MONTGOMERY, AL | 67 | $12,515,000 | $186,791 | $5,395 | 4.79% |
| JOHNSON CITY, TN | 72 | $12,460,000 | $173,056 | $6,311 | 4.84% |
| HARRISBURG-CARLISLE, PA | 68 | $12,410,000 | $182,500 | $7,006 | 4.50% |
| Martinsville, VA | 90 | $12,400,000 | $137,778 | $4,349 | 4.97% |
| DALTON, GA | 62 | $12,400,000 | $200,000 | $7,174 | 4.79% |
| ASHEVILLE, NC | 51 | $12,315,000 | $241,471 | $8,005 | 4.50% |
| TERRE HAUTE, IN | 96 | $12,290,000 | $128,021 | $3,650 | 5.23% |
| Sedalia, MO | 89 | $12,255,000 | $137,697 | $3,825 | 5.24% |
| Klamath Falls, OR | 53 | $12,215,000 | $230,472 | $8,348 | 4.32% |
| HARRISONBURG, VA | 51 | $12,145,000 | $238,137 | $6,941 | 4.41% |
| Cookeville, TN | 53 | $12,095,000 | $228,208 | $7,009 | 4.99% |
| Bardstown, KY | 64 | $12,070,000 | $188,594 | $5,467 | 4.48% |
| Elko, NV | 40 | $12,020,000 | $300,500 | $8,695 | 4.59% |
| WHEELING, WV-OH | 92 | $12,000,000 | $130,435 | $5,545 | 5.01% |
| DURHAM-CHAPEL HILL, NC | 50 | $11,920,000 | $238,400 | $8,214 | 4.44% |
| SALT LAKE CITY, UT | 33 | $11,905,000 | $360,758 | $8,973 | 4.41% |
| Safford, AZ | 52 | $11,850,000 | $227,885 | $8,663 | 4.62% |
| Bedford, IN | 78 | $11,820,000 | $151,538 | $4,234 | 5.25% |
| SEBRING-AVON PARK, FL | 61 | $11,785,000 | $193,197 | $7,217 | 4.57% |
| Opelousas, LA | 74 | $11,760,000 | $158,919 | $6,409 | 4.88% |
| ALBANY-LEBANON, OR | 39 | $11,675,000 | $299,359 | $9,105 | 4.36% |
| WICHITA, KS | 80 | $11,600,000 | $145,000 | $5,018 | 4.82% |
| JACKSONVILLE, FL | 46 | $11,520,000 | $250,435 | $8,851 | 4.41% |
| SIERRA VISTA-DOUGLAS, AZ | 70 | $11,500,000 | $164,286 | $5,540 | 4.72% |
| NORWICH-NEW LONDON, CT | 44 | $11,400,000 | $259,091 | $7,960 | 4.51% |
| STAUNTON, VA | 50 | $11,350,000 | $227,000 | $5,128 | 4.78% |
| ALBANY-SCHENECTADY-TROY, NY | 55 | $11,345,000 | $206,273 | $6,052 | 4.59% |
| Lebanon, MO | 79 | $11,315,000 | $143,228 | $4,415 | 4.81% |
| Cedartown, GA | 60 | $11,280,000 | $188,000 | $5,923 | 4.77% |
| LaGrange, GA-AL | 69 | $11,225,000 | $162,681 | $5,818 | 5.08% |
| CARBONDALE-MARION, IL | 100 | $11,220,000 | $112,200 | $4,281 | 5.00% |
| Lewisburg, TN | 43 | $11,205,000 | $260,581 | $6,965 | 4.30% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 57 | $11,165,000 | $195,877 | $7,257 | 4.85% |
| MADISON, WI | 52 | $11,160,000 | $214,615 | $6,122 | 4.47% |
| Adrian, MI | 69 | $11,125,000 | $161,232 | $5,789 | 5.06% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 76 | $11,080,000 | $145,789 | $6,458 | 4.91% |
| FLORENCE-MUSCLE SHOALS, AL | 65 | $10,985,000 | $169,000 | $5,489 | 4.69% |
| Mount Airy, NC | 63 | $10,985,000 | $174,365 | $6,357 | 4.59% |
| ST. CLOUD, MN | 50 | $10,880,000 | $217,600 | $7,430 | 4.46% |
| BEAUMONT-PORT ARTHUR, TX | 70 | $10,720,000 | $153,143 | $7,059 | 5.24% |
| Richmond-Berea, KY | 57 | $10,685,000 | $187,456 | $5,751 | 5.05% |
| FLORENCE, SC | 61 | $10,605,000 | $173,852 | $7,166 | 4.78% |
| Greeneville, TN | 57 | $10,595,000 | $185,877 | $6,525 | 4.80% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 47 | $10,515,000 | $223,723 | $7,795 | 4.79% |
| ROCKY MOUNT, NC | 49 | $10,505,000 | $214,388 | $7,272 | 4.60% |
| Columbus, MS | 67 | $10,485,000 | $156,493 | $6,368 | 4.74% |
| Gaffney, SC | 59 | $10,355,000 | $175,508 | $6,246 | 4.93% |
| Athens, TN | 57 | $10,335,000 | $181,316 | $6,182 | 4.40% |
| DECATUR, AL | 61 | $10,285,000 | $168,607 | $5,398 | 4.80% |
| CHARLESTON-NORTH CHARLESTON, SC | 37 | $10,275,000 | $277,703 | $7,714 | 3.77% |
| Crossville, TN | 50 | $9,990,000 | $199,800 | $5,849 | 4.50% |
| Marinette, WI-MI | 75 | $9,975,000 | $133,000 | $4,446 | 4.95% |
| REDDING, CA | 37 | $9,795,000 | $264,730 | $9,878 | 4.37% |
| WARNER ROBINS, GA | 48 | $9,780,000 | $203,750 | $6,938 | 4.81% |
| Boston-Cambridge-Newton, MA-NH | 30 | $9,780,000 | $326,000 | $8,519 | 4.32% |
| Mount Sterling, KY | 63 | $9,765,000 | $155,000 | $11,983 | 4.88% |
| Arecibo, PR | 87 | $9,695,000 | $111,437 | $6,714 | 4.95% |
| AMES, IA | 55 | $9,625,000 | $175,000 | $5,281 | 4.87% |
| Scottsburg, IN | 58 | $9,620,000 | $165,862 | $5,398 | 4.81% |
| BECKLEY, WV | 79 | $9,595,000 | $121,456 | $4,810 | 4.81% |
| Danville, VA | 60 | $9,590,000 | $159,833 | $5,109 | 5.06% |
| Wilmington, OH | 58 | $9,510,000 | $163,966 | $6,071 | 5.15% |
| SAGINAW, MI | 68 | $9,440,000 | $138,824 | $5,045 | 5.20% |
| Dyersburg, TN | 66 | $9,410,000 | $142,576 | $4,890 | 4.70% |
| OGDEN-CLEARFIELD, UT | 29 | $9,385,000 | $323,621 | $8,998 | 4.35% |
| Batesville, AR | 75 | $9,385,000 | $125,133 | $4,869 | 4.47% |
| Ozark, AL | 66 | $9,360,000 | $141,818 | $4,806 | 4.82% |
| Fort Payne, AL | 58 | $9,350,000 | $161,207 | $5,765 | 5.03% |
| GUAYAMA, PR | 96 | $9,230,000 | $96,146 | $6,206 | 4.97% |
| GADSDEN, AL | 54 | $9,200,000 | $170,370 | $5,737 | 4.47% |
| LAFAYETTE-WEST LAFAYETTE, IN | 57 | $9,075,000 | $159,211 | $4,661 | 4.99% |
| DAYTON-KETTERING, OH | 56 | $8,980,000 | $160,357 | $5,854 | 5.00% |
| ROCHESTER, NY | 65 | $8,835,000 | $135,923 | $5,217 | 4.74% |
| Warsaw, IN | 51 | $8,795,000 | $172,451 | $4,733 | 5.17% |
| Marshall, MO | 70 | $8,780,000 | $125,429 | $4,124 | 5.04% |
| TEXARKANA, TX-AR | 56 | $8,760,000 | $156,429 | $5,466 | 4.83% |
| ATLANTIC CITY-HAMMONTON, NJ | 44 | $8,650,000 | $196,591 | $6,469 | 4.68% |
| Cedar City, UT | 29 | $8,645,000 | $298,103 | $9,213 | 4.46% |
| Salem, OH | 67 | $8,535,000 | $127,388 | $4,652 | 5.20% |
| West Plains, MO | 58 | $8,500,000 | $146,552 | $4,351 | 4.87% |
| New Castle, IN | 74 | $8,490,000 | $114,730 | $4,788 | 5.22% |
| STATE COLLEGE, PA | 41 | $8,445,000 | $205,976 | $7,208 | 4.87% |
| Seneca, SC | 45 | $8,415,000 | $187,000 | $6,599 | 5.02% |
| Forest City, NC | 48 | $8,370,000 | $174,375 | $6,185 | 5.15% |
| Ashtabula, OH | 62 | $8,330,000 | $134,355 | $5,687 | 4.85% |
| Greenville, OH | 62 | $8,330,000 | $134,355 | $4,639 | 4.68% |
| Lawrenceburg, TN | 43 | $8,235,000 | $191,512 | $6,188 | 4.77% |
| Hutchinson, MN | 38 | $8,230,000 | $216,579 | $6,699 | 4.62% |
| Natchitoches, LA | 45 | $8,185,000 | $181,889 | $6,045 | 4.95% |
| GAINESVILLE, FL | 42 | $8,180,000 | $194,762 | $6,900 | 4.30% |
| Cornelia, GA | 36 | $8,160,000 | $226,667 | $7,048 | 4.69% |
| ALTOONA, PA | 57 | $8,145,000 | $142,895 | $6,173 | 4.98% |
| Pierre, SD | 37 | $8,115,000 | $219,324 | $5,300 | 4.47% |
| ROCHESTER, MN | 36 | $8,060,000 | $223,889 | $7,127 | 4.39% |
| Kendallville, IN | 54 | $8,050,000 | $149,074 | $3,484 | 5.09% |
| CANTON-MASSILLON, OH | 51 | $7,995,000 | $156,765 | $5,368 | 5.02% |
| LANCASTER, PA | 37 | $7,995,000 | $216,081 | $8,364 | 4.88% |
| CEDAR RAPIDS, IA | 54 | $7,970,000 | $147,593 | $5,025 | 4.78% |
| Aberdeen, SD | 46 | $7,960,000 | $173,043 | $5,744 | 4.84% |
| Glasgow, KY | 48 | $7,960,000 | $165,833 | $5,211 | 4.81% |
| Rolla, MO | 53 | $7,935,000 | $149,717 | $5,311 | 4.90% |
| SALEM, OR | 24 | $7,890,000 | $328,750 | $10,125 | 4.32% |
| ALBUQUERQUE, NM | 33 | $7,875,000 | $238,636 | $7,552 | 4.34% |
| LONGVIEW, TX | 47 | $7,825,000 | $166,489 | $6,466 | 4.97% |
| Jasper, IN | 42 | $7,820,000 | $186,190 | $5,165 | 5.00% |
| Statesboro, GA | 39 | $7,815,000 | $200,385 | $6,451 | 4.46% |
| READING, PA | 39 | $7,745,000 | $198,590 | $6,763 | 4.77% |
| VISALIA, CA | 26 | $7,700,000 | $296,154 | $10,638 | 4.17% |
| Frankfort, KY | 43 | $7,685,000 | $178,721 | $5,913 | 4.85% |
| Moses Lake, WA | 29 | $7,585,000 | $261,552 | $8,938 | 4.60% |
| Thomaston, GA | 45 | $7,535,000 | $167,444 | $5,249 | 4.83% |
| Danville, KY | 48 | $7,530,000 | $156,875 | $5,165 | 4.72% |
| Fernley, NV | 23 | $7,415,000 | $322,391 | $10,711 | 4.50% |
| GETTYSBURG, PA | 37 | $7,375,000 | $199,324 | $7,257 | 4.59% |
| JOHNSTOWN, PA | 72 | $7,370,000 | $102,361 | $4,992 | 4.91% |
| Morgan City, LA | 53 | $7,345,000 | $138,585 | $5,436 | 4.75% |
| Somerset, KY | 46 | $7,330,000 | $159,348 | $5,175 | 4.81% |
| Show Low, AZ | 31 | $7,325,000 | $236,290 | $7,944 | 4.45% |
| Minden, LA | 57 | $7,315,000 | $128,333 | $5,321 | 4.92% |
| Malvern, AR | 50 | $7,260,000 | $145,200 | $3,792 | 4.91% |
| Orangeburg, SC | 40 | $7,260,000 | $181,500 | $6,534 | 4.17% |
| Vernal, UT | 31 | $7,215,000 | $232,742 | $7,306 | 4.49% |
| Shawnee, OK | 44 | $7,210,000 | $163,864 | $6,233 | 5.01% |
| AUBURN-OPELIKA, AL | 37 | $7,205,000 | $194,730 | $5,760 | 4.57% |
| ROME, GA | 38 | $7,180,000 | $188,947 | $5,797 | 4.97% |
| Faribault-Northfield, MN | 31 | $7,175,000 | $231,452 | $7,200 | 4.68% |
| TOLEDO, OH | 46 | $7,170,000 | $155,870 | $6,287 | 5.22% |
| Jasper, AL | 41 | $7,155,000 | $174,512 | $5,403 | 4.49% |
| Palatka, FL | 34 | $7,150,000 | $210,294 | $6,505 | 4.62% |
| HANFORD-CORCORAN, CA | 27 | $7,095,000 | $262,778 | $9,263 | 4.40% |
| DENVER-AURORA-LAKEWOOD, CO | 18 | $7,040,000 | $391,111 | $8,154 | 4.30% |
| Washington Court House, OH | 42 | $7,020,000 | $167,143 | $6,231 | 4.91% |
| IDAHO FALLS, ID | 21 | $7,015,000 | $334,048 | $11,029 | 4.11% |
| CAPE GIRARDEAU, MO-IL | 49 | $7,015,000 | $143,163 | $4,958 | 5.04% |
| CHAMPAIGN-URBANA, IL | 51 | $7,015,000 | $137,549 | $4,827 | 4.80% |
| Wisconsin Rapids-Marshfield, WI | 43 | $7,015,000 | $163,140 | $5,646 | 5.04% |
| VALDOSTA, GA | 37 | $6,995,000 | $189,054 | $6,569 | 4.84% |
| LEWISTON-AUBURN, ME | 35 | $6,995,000 | $199,857 | $5,792 | 4.25% |
| Fort Leonard Wood, MO | 50 | $6,990,000 | $139,800 | $4,696 | 5.07% |
| GOLDSBORO, NC | 37 | $6,985,000 | $188,784 | $6,439 | 4.43% |
| BLOOMINGTON, IN | 38 | $6,980,000 | $183,684 | $5,096 | 5.02% |
| SPRINGFIELD, OH | 43 | $6,935,000 | $161,279 | $5,797 | 4.94% |
| Madison, IN | 40 | $6,900,000 | $172,500 | $4,571 | 4.90% |
| Cambridge, OH | 53 | $6,885,000 | $129,906 | $5,292 | 5.19% |
| LAS VEGAS-HENDERSON-PARADISE, NV | 22 | $6,870,000 | $312,273 | $7,649 | 4.62% |
| Tifton, GA | 38 | $6,870,000 | $180,789 | $6,566 | 4.50% |
| Vicksburg, MS | 39 | $6,845,000 | $175,513 | $6,311 | 4.53% |
| Cadillac, MI | 43 | $6,845,000 | $159,186 | $6,838 | 5.10% |
| Auburn, IN | 44 | $6,840,000 | $155,455 | $4,256 | 4.91% |
| Payson, AZ | 32 | $6,820,000 | $213,125 | $7,711 | 4.78% |
| Burley, ID | 28 | $6,810,000 | $243,214 | $8,756 | 4.33% |
| Albemarle, NC | 28 | $6,810,000 | $243,214 | $7,771 | 4.78% |
| DANVILLE, IL | 67 | $6,705,000 | $100,075 | $4,344 | 5.29% |
| ATHENS-CLARKE COUNTY, GA | 29 | $6,675,000 | $230,172 | $7,528 | 4.98% |
| Madisonville, KY | 50 | $6,670,000 | $133,400 | $4,327 | 4.97% |
| La Grande, OR | 31 | $6,655,000 | $214,677 | $8,107 | 5.04% |
| MEDFORD, OR | 21 | $6,655,000 | $316,905 | $9,711 | 3.87% |
| EUGENE-SPRINGFIELD, OR | 21 | $6,645,000 | $316,429 | $9,341 | 3.96% |
| RAPID CITY, SD | 26 | $6,640,000 | $255,385 | $6,814 | 4.60% |
| Clewiston, FL | 29 | $6,615,000 | $228,103 | $9,173 | 4.81% |
| Watertown, SD | 38 | $6,590,000 | $173,421 | $4,698 | 4.60% |
| Ottawa, IL | 57 | $6,565,000 | $115,175 | $4,380 | 4.94% |
| CLARKSVILLE, TN-KY | 32 | $6,560,000 | $205,000 | $6,867 | 4.36% |
| Brainerd, MN | 38 | $6,550,000 | $172,368 | $6,458 | 4.48% |
| Alexander City, AL | 43 | $6,545,000 | $152,209 | $5,341 | 4.96% |
| Durant, OK | 36 | $6,500,000 | $180,556 | $6,210 | 4.78% |
| CLEVELAND-ELYRIA, OH | 38 | $6,490,000 | $170,789 | $6,660 | 4.91% |
| Enterprise, AL | 40 | $6,490,000 | $162,250 | $4,782 | 4.57% |
| Sanford, NC | 26 | $6,470,000 | $248,846 | $7,928 | 5.08% |
| Coldwater, MI | 46 | $6,460,000 | $140,435 | $5,185 | 5.07% |
| Scottsboro, AL | 42 | $6,460,000 | $153,810 | $5,180 | 4.69% |