Appleton USDA Loan Rates, Closing Costs & Stats

APPLETON, WI

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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.

    Appleton's 6 lenders originated 7 USDA loans during 2024. The total origination value was $1,915,000, with an average USDA loan value of $273,571.

    Appleton USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Appleton averaged 6.38% for the week of 2025-04-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Appleton's average USDA mortgage closing costs are $4,241.

    The average rate for the prior week (2025-04-04) was 6.34% and one month ago for the week of 2025-03-07, the average rate was 6.31%.

    The average rate one year ago was 6.86%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.13%.

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

    Appleton 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 Appleton level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Waterstone Mortgage Corporation 2 6.06% $12,728
    Century Mortgage Company DBA Century Lending Company 1 4.99% $14,384
    FIRST COLONY MORTGAGE CORPORATION 1 4.88% $3,236
    Flagstar Bank, FSB 1 6.50% $4,499
    GUILD MORTGAGE COMPANY 1 6.75% $5,836
    Loan Simple, Inc. 1 6.25% $12,200

    The top Appleton USDA lender as defined by loan originations is Waterstone Mortgage Corporation, with 2 USDA loans originated. Their average total fees are $12,728, which is $1,656 lower than the next largest lender, Century Mortgage Company DBA Century Lending Company.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Appleton (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 $209,675 (16.6%) $251,937 (14.6%) 0.78 631
    2018-02-01 $216,150 (16.9%) $258,727 (15.8%) 0.78 662
    2018-03-01 $229,900 (21.1%) $271,710 (19.6%) 0.81 678
    2018-04-01 $274,650 (40.9%) $325,957 (39.9%) 0.93 395
    2018-05-01 $279,900 (42.5%) $325,747 (38.3%) 0.93 416
    2018-06-01 $275,000 (40.4%) $320,504 (36.5%) 0.92 464
    2018-07-01 $266,650 (33.4%) $311,917 (32.4%) 0.89 471
    2018-08-01 $262,400 (31.3%) $305,336 (29.0%) 0.88 477
    2018-09-01 $259,900 (33.4%) $299,425 (26.0%) 0.87 500
    2018-10-01 $249,900 (33.4%) $291,542 (24.0%) 0.85 549
    2018-11-01 $259,900 (40.0%) $291,858 (23.7%) 0.88 546
    2018-12-01 $264,900 (35.9%) $294,200 (19.6%) 0.91 501
    2019-01-01 $274,950 (31.1%) $301,285 (19.6%) 0.95 436
    2019-02-01 $279,950 (29.5%) $309,563 (19.7%) 0.95 408
    2019-03-01 $280,614 (22.1%) $307,592 (13.2%) 0.92 413
    2019-04-01 $278,114 (1.3%) $309,117 (-5.2%) 0.88 422
    2019-05-01 $272,197 (-2.8%) $306,032 (-6.1%) 0.85 415
    2019-06-01 $259,900 (-5.5%) $297,421 (-7.2%) 0.81 429
    2019-07-01 $263,200 (-1.3%) $298,132 (-4.4%) 0.82 460
    2019-08-01 $266,064 (1.4%) $298,522 (-2.2%) 0.84 476
    2019-09-01 $265,409 (2.1%) $298,836 (-0.2%) 0.85 495
    2019-10-01 $264,973 (6.0%) $299,733 (2.8%) 0.85 507
    2019-11-01 $260,000 (0.0%) $300,938 (3.1%) 0.85 481
    2019-12-01 $259,900 (-1.9%) $303,452 (3.1%) 0.87 413
    2020-01-01 $262,700 (-4.5%) $307,440 (2.0%) 0.88 362
    2020-02-01 $282,450 (0.9%) $316,273 (2.2%) 0.92 340
    2020-03-01 $290,900 (3.7%) $323,891 (5.3%) 0.91 345
    2020-04-01 $299,450 (7.7%) $325,170 (5.2%) 0.94 345
    2020-05-01 $299,950 (10.2%) $332,407 (8.6%) 0.91 310
    2020-06-01 $299,900 (15.4%) $330,045 (11.0%) 0.88 274
    2020-07-01 $299,900 (13.9%) $323,326 (8.5%) 0.87 248
    2020-08-01 $295,000 (10.9%) $321,244 (7.6%) 0.85 259
    2020-09-01 $277,350 (4.5%) $310,796 (4.0%) 0.79 257
    2020-10-01 $279,950 (5.7%) $322,255 (7.5%) 0.80 267
    2020-11-01 $299,900 (15.4%) $329,032 (9.3%) 0.88 252
    2020-12-01 $292,450 (12.5%) $316,461 (4.3%) 0.87 241
    2021-01-01 $299,900 (14.2%) $335,382 (9.1%) 0.90 200
    2021-02-01 $302,400 (7.1%) $339,184 (7.2%) 0.88 180
    2021-03-01 $283,675 (-2.5%) $330,048 (1.9%) 0.80 176
    2021-04-01 $274,900 (-8.2%) $327,934 (0.9%) 0.74 171
    2021-05-01 $299,900 (0.0%) $336,886 (1.4%) 0.80 181
    2021-06-01 $299,450 (-0.2%) $344,083 (4.3%) 0.79 211
    2021-07-01 $289,900 (-3.3%) $335,769 (3.9%) 0.76 236
    2021-08-01 $289,475 (-1.9%) $335,469 (4.4%) 0.77 277
    2021-09-01 $289,900 (4.5%) $328,604 (5.7%) 0.77 273
    2021-10-01 $291,950 (4.3%) $335,406 (4.1%) 0.78 267
    2021-11-01 $305,900 (2.0%) $352,507 (7.1%) 0.82 274
    2021-12-01 $337,400 (15.4%) $369,426 (16.7%) 0.91 228
    2022-01-01 $364,900 (21.7%) $391,016 (16.6%) 0.99 182
    2022-02-01 $370,000 (22.4%) $397,900 (17.3%) 0.96 180
    2022-03-01 $367,425 (29.5%) $378,806 (14.8%) 0.92 193
    2022-04-01 $369,900 (34.6%) $389,876 (18.9%) 0.88 226
    2022-05-01 $356,928 (19.0%) $385,917 (14.6%) 0.82 236
    2022-06-01 $362,455 (21.0%) $381,461 (10.9%) 0.81 266
    2022-07-01 $365,000 (25.9%) $382,953 (14.1%) 0.82 248
    2022-08-01 $369,950 (27.8%) $397,986 (18.6%) 0.86 237
    2022-09-01 $374,311 (29.1%) $399,920 (21.7%) 0.88 237
    2022-10-01 $384,900 (31.8%) $418,265 (24.7%) 0.91 243
    2022-11-01 $399,000 (30.4%) $431,566 (22.4%) 0.96 224
    2022-12-01 $399,900 (18.5%) $447,176 (21.1%) 0.99 202
    2023-01-01 $403,675 (10.6%) $461,322 (18.0%) 1.00 174
    2023-02-01 $399,900 (8.1%) $457,842 (15.1%) 0.97 167
    2023-03-01 $399,900 (8.8%) $445,437 (17.6%) 0.94 167
    2023-04-01 $397,700 (7.5%) $449,250 (15.2%) 0.92 183
    2023-05-01 $396,825 (11.2%) $446,654 (15.7%) 0.90 212
    2023-06-01 $407,725 (12.5%) $460,049 (20.6%) 0.92 229
    2023-07-01 $399,900 (9.6%) $459,268 (19.9%) 0.91 250
    2023-08-01 $409,400 (10.7%) $450,304 (13.2%) 0.94 274
    2023-09-01 $409,900 (9.5%) $451,434 (12.9%) 0.95 306
    2023-10-01 $399,950 (3.9%) $447,323 (7.0%) 0.94 332
    2023-11-01 $399,900 (0.2%) $441,869 (2.4%) 0.95 334
    2023-12-01 $399,900 (0.0%) $441,131 (-1.4%) 0.98 315
    2024-01-01 $396,400 (-1.8%) $445,054 (-3.5%) 0.97 276
    2024-02-01 $399,900 (0.0%) $462,724 (1.1%) 0.96 264
    2024-03-01 $399,900 (0.0%) $457,660 (2.7%) 0.94 275
    2024-04-01 $397,450 (-0.1%) $451,917 (0.6%) 0.92 294
    2024-05-01 $417,400 (5.2%) $482,809 (8.1%) 0.95 309
    2024-06-01 $409,900 (0.5%) $474,290 (3.1%) 0.93 323
    2024-07-01 $422,925 (5.8%) $488,750 (6.4%) 0.97 349
    2024-08-01 $419,900 (2.6%) $482,200 (7.1%) 0.98 381
    2024-09-01 $416,300 (1.6%) $471,499 (4.4%) 0.98 406
    2024-10-01 $418,600 (4.7%) $468,669 (4.8%) 0.99 405
    2024-11-01 $404,900 (1.3%) $462,854 (4.8%) 0.97 364
    2024-12-01 $402,425 (0.6%) $463,099 (5.0%) 1.00 316
    2025-01-01 $406,900 (2.7%) $467,686 (5.1%) 1.02 283
    2025-02-01 $422,400 (5.6%) $479,232 (3.6%) 1.03 254
    2025-03-01 $426,100 (6.6%) $482,725 (5.5%) 0.00 267
    Appleton's median listing price for 2025-03-01 was $426,100, a difference of $26,200 (6.6%) versus the prior year and $3,700 versus the prior month.

    Appleton's median listing price comes in at 0% of the national average.

    Appleton's average listing price for 2025-03-01 was $482,725, a difference of $25,065 (5.5%) versus the prior year and $3,493 versus the prior month.

    For the 2025-03-01 period, Appleton had 267 MLS listings, a difference of 13 listings (5%) versus the prior month and -8 listings (-3%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Appleton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 74 days 1,894 sqft
    2018-02-01 63 days 1,899 sqft
    2018-03-01 50 days 1,957 sqft
    2018-04-01 44 days 2,092 sqft
    2018-05-01 44 days 2,159 sqft
    2018-06-01 43 days 2,172 sqft
    2018-07-01 50 days 2,102 sqft
    2018-08-01 50 days 2,104 sqft
    2018-09-01 45 days 2,073 sqft
    2018-10-01 46 days 1,921 sqft
    2018-11-01 54 days 1,930 sqft
    2018-12-01 71 days 1,959 sqft
    2019-01-01 84 days 1,969 sqft
    2019-02-01 88 days 1,998 sqft
    2019-03-01 69 days 2,013 sqft
    2019-04-01 56 days 2,014 sqft
    2019-05-01 48 days 1,991 sqft
    2019-06-01 51 days 1,916 sqft
    2019-07-01 51 days 1,927 sqft
    2019-08-01 52 days 1,961 sqft
    2019-09-01 53 days 2,016 sqft
    2019-10-01 54 days 2,052 sqft
    2019-11-01 62 days 2,038 sqft
    2019-12-01 72 days 2,011 sqft
    2020-01-01 77 days 2,053 sqft
    2020-02-01 61 days 2,094 sqft
    2020-03-01 50 days 2,096 sqft
    2020-04-01 48 days 2,113 sqft
    2020-05-01 61 days 2,080 sqft
    2020-06-01 59 days 2,065 sqft
    2020-07-01 64 days 2,014 sqft
    2020-08-01 50 days 2,025 sqft
    2020-09-01 45 days 1,984 sqft
    2020-10-01 46 days 1,992 sqft
    2020-11-01 53 days 1,915 sqft
    2020-12-01 60 days 1,861 sqft
    2021-01-01 66 days 1,863 sqft
    2021-02-01 65 days 1,825 sqft
    2021-03-01 40 days 1,810 sqft
    2021-04-01 33 days 1,800 sqft
    2021-05-01 38 days 1,902 sqft
    2021-06-01 30 days 1,988 sqft
    2021-07-01 32 days 1,980 sqft
    2021-08-01 32 days 1,903 sqft
    2021-09-01 40 days 1,912 sqft
    2021-10-01 47 days 1,848 sqft
    2021-11-01 41 days 1,655 sqft
    2021-12-01 51 days 1,630 sqft
    2022-01-01 43 days 1,609 sqft
    2022-02-01 37 days 1,606 sqft
    2022-03-01 47 days 1,650 sqft
    2022-04-01 44 days 1,658 sqft
    2022-05-01 44 days 1,737 sqft
    2022-06-01 39 days 1,792 sqft
    2022-07-01 38 days 1,924 sqft
    2022-08-01 45 days 1,925 sqft
    2022-09-01 45 days 1,923 sqft
    2022-10-01 42 days 1,944 sqft
    2022-11-01 44 days 1,907 sqft
    2022-12-01 58 days 1,911 sqft
    2023-01-01 69 days 1,858 sqft
    2023-02-01 60 days 1,918 sqft
    2023-03-01 49 days 1,869 sqft
    2023-04-01 37 days 1,960 sqft
    2023-05-01 30 days 1,843 sqft
    2023-06-01 37 days 1,930 sqft
    2023-07-01 43 days 1,928 sqft
    2023-08-01 42 days 1,901 sqft
    2023-09-01 44 days 1,914 sqft
    2023-10-01 45 days 1,893 sqft
    2023-11-01 44 days 1,840 sqft
    2023-12-01 53 days 1,738 sqft
    2024-01-01 68 days 1,696 sqft
    2024-02-01 65 days 1,704 sqft
    2024-03-01 46 days 1,718 sqft
    2024-04-01 43 days 1,738 sqft
    2024-05-01 45 days 1,696 sqft
    2024-06-01 50 days 1,755 sqft
    2024-07-01 44 days 1,801 sqft
    2024-08-01 44 days 1,800 sqft
    2024-09-01 45 days 1,801 sqft
    2024-10-01 50 days 1,824 sqft
    2024-11-01 52 days 1,828 sqft
    2024-12-01 63 days 1,825 sqft
    2025-01-01 70 days 1,795 sqft
    2025-02-01 66 days 1,824 sqft
    2025-03-01 0 days 1,841 sqft
    Appleton's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Appleton's median square footage for active listings during the 2025-03-01 period was 1,841 sqft. One year prior, the average listing was 1,718 sqft.