Allentown USDA Loan Rates, Closing Costs & Stats

ALLENTOWN-BETHLEHEM-EASTON, PA-NJ

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    • 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.

    Allentown's 19 lenders originated 32 USDA loans during 2024. The total origination value was $6,760,000, with an average USDA loan value of $211,250.

    Allentown USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Allentown averaged 6.81% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

    Allentown's average USDA mortgage closing costs are $5,807.

    The average rate for the prior week (2025-05-16) was 6.94% and one month ago for the week of 2025-04-18, the average rate was 6.93%.

    The average rate one year ago was 7.19%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.14%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Allentown 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 Allentown level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 6 6.58% $7,015
    Mortgage America, Inc. 4 6.47% $6,162
    NEWREZ LLC 3 6.12% $9,346
    T2 FINANCIAL LLC 2 6.63% $5,480
    UNION HOME MORTGAGE CORP. 2 6.94% $7,432
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.44% $6,464
    MILLENIUM HOME MORTGAGE, LLC 1 6.50% $8,925
    MOVEMENT MORTGAGE, LLC 1 6.75% $7,685
    NVR Mortgage Finance, Inc. 1 5.38% $14,616
    Paramount Residential Mortgage Group, Inc. 1 6.50% $7,837
    PLAZA HOME MORTGAGE, INC. 1 6.75% $6,950
    SUN WEST MORTGAGE COMPANY, INC. 1 5.75% $17,327
    UNITED WHOLESALE MORTGAGE, LLC 1 6.24% $14,644
    V.I.P. MORTGAGE, INC. 1 7.13% $4,975
    Century Mortgage Company DBA Century Lending Company 1 5.99% $7,202
    FIRST HERITAGE FINANCIAL, LLC 1 6.38% $7,832
    GREENTREE MORTGAGE COMPANY, L.P. 1 5.75% $11,129
    GUILD MORTGAGE COMPANY 1 6.50% $5,752
    Ixonia Bank 1 6.25% $6,725

    The top Allentown USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 6 USDA loans originated. Their average total fees are $7,015, which is $853 higher than the next largest lender, Mortgage America, Inc..

    The lowest fee Allentown USDA lenders (with over 10 loans originated) are .

    The lowest rate Allentown USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Allentown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $209,950 (10.5%) $277,450 (9.7%) 0.78 2,746
    2018-02-01 $214,100 (8.7%) $281,179 (10.1%) 0.78 2,659
    2018-03-01 $225,000 (10.6%) $286,535 (8.8%) 0.79 2,646
    2018-04-01 $229,900 (6.9%) $288,830 (7.2%) 0.78 2,736
    2018-05-01 $234,900 (7.0%) $292,776 (6.0%) 0.78 2,957
    2018-06-01 $234,900 (6.8%) $295,514 (5.0%) 0.78 3,113
    2018-07-01 $234,125 (6.4%) $292,754 (4.1%) 0.78 3,272
    2018-08-01 $229,900 (4.6%) $288,102 (2.6%) 0.77 3,401
    2018-09-01 $225,000 (1.4%) $284,812 (0.4%) 0.76 3,549
    2018-10-01 $224,900 (1.8%) $284,526 (-0.4%) 0.76 3,528
    2018-11-01 $219,900 (0.0%) $284,032 (0.2%) 0.75 3,361
    2018-12-01 $219,000 (-0.4%) $282,342 (0.4%) 0.76 3,060
    2019-01-01 $214,900 (2.4%) $277,306 (-0.1%) 0.74 2,835
    2019-02-01 $219,900 (2.7%) $282,161 (0.4%) 0.74 2,759
    2019-03-01 $215,614 (-4.2%) $275,107 (-4.0%) 0.71 2,955
    2019-04-01 $210,664 (-8.4%) $269,364 (-6.7%) 0.67 3,275
    2019-05-01 $215,950 (-8.1%) $272,045 (-7.1%) 0.67 3,387
    2019-06-01 $219,900 (-6.4%) $273,973 (-7.3%) 0.69 3,492
    2019-07-01 $224,075 (-4.3%) $271,718 (-7.2%) 0.70 3,520
    2019-08-01 $218,564 (-4.9%) $269,869 (-6.3%) 0.69 3,510
    2019-09-01 $216,559 (-3.8%) $271,738 (-4.6%) 0.69 3,463
    2019-10-01 $215,223 (-4.3%) $274,110 (-3.7%) 0.69 3,397
    2019-11-01 $235,000 (6.9%) $295,610 (4.1%) 0.77 2,623
    2019-12-01 $232,450 (6.1%) $299,337 (6.0%) 0.78 2,358
    2020-01-01 $234,375 (9.1%) $299,983 (8.2%) 0.78 2,086
    2020-02-01 $243,900 (10.9%) $306,019 (8.5%) 0.80 1,914
    2020-03-01 $254,950 (18.2%) $310,492 (12.9%) 0.80 1,917
    2020-04-01 $258,925 (22.9%) $317,103 (17.7%) 0.81 1,709
    2020-05-01 $259,900 (20.4%) $317,136 (16.6%) 0.79 1,672
    2020-06-01 $259,950 (18.2%) $321,028 (17.2%) 0.77 1,687
    2020-07-01 $269,575 (20.3%) $331,283 (21.9%) 0.78 1,521
    2020-08-01 $272,850 (24.8%) $340,840 (26.3%) 0.78 1,486
    2020-09-01 $277,450 (28.1%) $353,872 (30.2%) 0.80 1,449
    2020-10-01 $269,900 (25.4%) $352,940 (28.8%) 0.77 1,497
    2020-11-01 $269,975 (14.9%) $361,992 (22.5%) 0.79 1,358
    2020-12-01 $274,950 (18.3%) $367,376 (22.7%) 0.82 1,207
    2021-01-01 $279,000 (19.0%) $382,983 (27.7%) 0.83 999
    2021-02-01 $294,950 (20.9%) $395,986 (29.4%) 0.86 875
    2021-03-01 $289,925 (13.7%) $392,825 (26.5%) 0.82 910
    2021-04-01 $290,400 (12.2%) $389,614 (22.9%) 0.79 1,014
    2021-05-01 $299,900 (15.4%) $399,114 (25.9%) 0.80 1,078
    2021-06-01 $299,900 (15.4%) $402,787 (25.5%) 0.79 1,216
    2021-07-01 $299,000 (10.9%) $398,189 (20.2%) 0.79 1,377
    2021-08-01 $299,450 (9.8%) $394,909 (15.9%) 0.80 1,383
    2021-09-01 $299,800 (8.1%) $393,460 (11.2%) 0.80 1,364
    2021-10-01 $299,000 (10.8%) $388,932 (10.2%) 0.80 1,322
    2021-11-01 $299,900 (11.1%) $393,446 (8.7%) 0.80 1,151
    2021-12-01 $299,900 (9.1%) $400,403 (9.0%) 0.81 935
    2022-01-01 $307,500 (10.2%) $410,070 (7.1%) 0.83 766
    2022-02-01 $297,450 (0.9%) $406,293 (2.6%) 0.77 719
    2022-03-01 $309,250 (6.7%) $413,621 (5.3%) 0.77 715
    2022-04-01 $328,880 (13.3%) $438,487 (12.5%) 0.78 767
    2022-05-01 $349,900 (16.7%) $440,064 (10.3%) 0.80 993
    2022-06-01 $353,950 (18.0%) $446,609 (10.9%) 0.79 1,157
    2022-07-01 $350,000 (17.1%) $433,911 (9.0%) 0.79 1,344
    2022-08-01 $354,533 (18.4%) $440,247 (11.5%) 0.82 1,322
    2022-09-01 $355,860 (18.7%) $437,888 (11.3%) 0.83 1,271
    2022-10-01 $350,000 (17.1%) $441,554 (13.5%) 0.82 1,320
    2022-11-01 $351,033 (17.1%) $444,365 (12.9%) 0.84 1,298
    2022-12-01 $365,000 (21.7%) $471,309 (17.7%) 0.90 1,104
    2023-01-01 $357,450 (16.2%) $468,259 (14.2%) 0.89 971
    2023-02-01 $361,950 (21.7%) $467,010 (14.9%) 0.87 864
    2023-03-01 $375,000 (21.3%) $470,556 (13.8%) 0.88 797
    2023-04-01 $379,900 (15.5%) $490,464 (11.9%) 0.88 821
    2023-05-01 $385,000 (10.0%) $497,606 (13.1%) 0.87 878
    2023-06-01 $377,450 (6.6%) $487,985 (9.3%) 0.85 958
    2023-07-01 $375,000 (7.1%) $491,214 (13.2%) 0.85 959
    2023-08-01 $379,900 (7.2%) $483,328 (9.8%) 0.87 1,005
    2023-09-01 $379,250 (6.6%) $481,338 (9.9%) 0.88 1,005
    2023-10-01 $370,450 (5.8%) $477,050 (8.0%) 0.87 1,051
    2023-11-01 $365,000 (4.0%) $483,381 (8.8%) 0.87 1,050
    2023-12-01 $369,900 (1.3%) $492,052 (4.4%) 0.90 1,000
    2024-01-01 $369,800 (3.5%) $491,779 (5.0%) 0.90 873
    2024-02-01 $369,900 (2.2%) $483,958 (3.6%) 0.89 894
    2024-03-01 $389,000 (3.7%) $500,003 (6.3%) 0.92 889
    2024-04-01 $387,348 (2.0%) $495,345 (1.0%) 0.90 951
    2024-05-01 $397,225 (3.2%) $505,649 (1.6%) 0.90 1,049
    2024-06-01 $391,450 (3.7%) $507,304 (4.0%) 0.89 1,145
    2024-07-01 $392,425 (4.7%) $497,785 (1.3%) 0.90 1,280
    2024-08-01 $380,000 (0.0%) $485,775 (0.5%) 0.88 1,332
    2024-09-01 $386,998 (2.0%) $485,188 (0.8%) 0.91 1,340
    2024-10-01 $382,450 (3.2%) $484,254 (1.5%) 0.90 1,320
    2024-11-01 $384,900 (5.5%) $490,679 (1.5%) 0.92 1,294
    2024-12-01 $374,450 (1.2%) $489,786 (-0.5%) 0.93 1,189
    2025-01-01 $372,450 (0.7%) $486,836 (-1.0%) 0.93 1,033
    2025-02-01 $376,250 (1.7%) $476,490 (-1.5%) 0.91 981
    2025-03-01 $385,000 (-1.0%) $483,581 (-3.3%) 0.91 996
    2025-04-01 $391,925 (1.2%) $484,221 (-2.3%) 0.91 1,080
    Allentown's median listing price for 2025-04-01 was $391,925, a difference of $4,577 (1.2%) versus the prior year and $6,925 versus the prior month.

    Allentown's median listing price comes in at 91% of the national average.

    Allentown's average listing price for 2025-04-01 was $484,221, a difference of $-11,124 (-2.3%) versus the prior year and $640 versus the prior month.

    For the 2025-04-01 period, Allentown had 1,080 MLS listings, a difference of 84 listings (8%) versus the prior month and 129 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Allentown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 84 days 1,828 sqft
    2018-02-01 80 days 1,845 sqft
    2018-03-01 60 days 1,888 sqft
    2018-04-01 54 days 1,900 sqft
    2018-05-01 44 days 1,895 sqft
    2018-06-01 47 days 1,905 sqft
    2018-07-01 52 days 1,898 sqft
    2018-08-01 54 days 1,870 sqft
    2018-09-01 59 days 1,844 sqft
    2018-10-01 65 days 1,835 sqft
    2018-11-01 69 days 1,832 sqft
    2018-12-01 75 days 1,822 sqft
    2019-01-01 82 days 1,809 sqft
    2019-02-01 78 days 1,812 sqft
    2019-03-01 65 days 1,839 sqft
    2019-04-01 53 days 1,889 sqft
    2019-05-01 50 days 1,958 sqft
    2019-06-01 54 days 1,986 sqft
    2019-07-01 59 days 1,993 sqft
    2019-08-01 59 days 1,949 sqft
    2019-09-01 61 days 1,933 sqft
    2019-10-01 63 days 1,934 sqft
    2019-11-01 61 days 1,930 sqft
    2019-12-01 74 days 1,912 sqft
    2020-01-01 81 days 1,902 sqft
    2020-02-01 71 days 1,884 sqft
    2020-03-01 47 days 1,924 sqft
    2020-04-01 62 days 1,934 sqft
    2020-05-01 73 days 1,921 sqft
    2020-06-01 35 days 1,905 sqft
    2020-07-01 31 days 1,887 sqft
    2020-08-01 30 days 1,872 sqft
    2020-09-01 32 days 1,896 sqft
    2020-10-01 31 days 1,842 sqft
    2020-11-01 38 days 1,812 sqft
    2020-12-01 47 days 1,814 sqft
    2021-01-01 57 days 1,818 sqft
    2021-02-01 47 days 1,913 sqft
    2021-03-01 25 days 1,926 sqft
    2021-04-01 22 days 1,937 sqft
    2021-05-01 20 days 1,990 sqft
    2021-06-01 20 days 1,991 sqft
    2021-07-01 24 days 1,931 sqft
    2021-08-01 30 days 1,923 sqft
    2021-09-01 36 days 1,925 sqft
    2021-10-01 37 days 1,900 sqft
    2021-11-01 38 days 1,885 sqft
    2021-12-01 49 days 1,880 sqft
    2022-01-01 48 days 1,920 sqft
    2022-02-01 27 days 1,866 sqft
    2022-03-01 19 days 1,924 sqft
    2022-04-01 16 days 1,972 sqft
    2022-05-01 16 days 2,032 sqft
    2022-06-01 20 days 2,062 sqft
    2022-07-01 26 days 2,016 sqft
    2022-08-01 35 days 2,002 sqft
    2022-09-01 42 days 2,012 sqft
    2022-10-01 39 days 1,985 sqft
    2022-11-01 45 days 1,977 sqft
    2022-12-01 59 days 2,012 sqft
    2023-01-01 60 days 1,980 sqft
    2023-02-01 43 days 1,968 sqft
    2023-03-01 37 days 1,971 sqft
    2023-04-01 31 days 2,000 sqft
    2023-05-01 25 days 2,000 sqft
    2023-06-01 29 days 1,975 sqft
    2023-07-01 30 days 2,005 sqft
    2023-08-01 32 days 2,011 sqft
    2023-09-01 34 days 1,966 sqft
    2023-10-01 36 days 1,949 sqft
    2023-11-01 39 days 1,935 sqft
    2023-12-01 49 days 1,950 sqft
    2024-01-01 52 days 1,955 sqft
    2024-02-01 38 days 1,976 sqft
    2024-03-01 37 days 1,978 sqft
    2024-04-01 30 days 2,001 sqft
    2024-05-01 25 days 2,005 sqft
    2024-06-01 30 days 1,977 sqft
    2024-07-01 34 days 2,000 sqft
    2024-08-01 36 days 1,966 sqft
    2024-09-01 39 days 1,983 sqft
    2024-10-01 37 days 1,916 sqft
    2024-11-01 41 days 1,904 sqft
    2024-12-01 52 days 1,877 sqft
    2025-01-01 58 days 1,880 sqft
    2025-02-01 50 days 1,872 sqft
    2025-03-01 39 days 1,878 sqft
    2025-04-01 31 days 1,912 sqft
    Allentown's median listing age (time on market) for 2025-04-01 was 31 days. This is 3% longer than the same period one year ago.

    Allentown's median square footage for active listings during the 2025-04-01 period was 1,912 sqft. One year prior, the average listing was 2,001 sqft.