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 3 lenders originated 3 USDA loans during 2023. The total origination value was $505,000, with an average USDA loan value of $168,333.

    Appleton USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Appleton averaged 6.83% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Appleton's average USDA mortgage closing costs are $3,988.

    The average rate for the prior week (2024-04-12) was 6.48% and one month ago for the week of 2024-03-15, the average rate was 6.37%.

    The average rate one year ago was 6.3%.

    For refis of the same type during the week of 2024-04-19, the average rate was 7.04%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $5,999
    Ixonia Bank 1 7.25% $6,325
    Nations Lending Corporation 1 5.00% $3,580

    The top Appleton USDA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 1 USDA loans originated. Their average total fees are $5,999, which is $326 lower than the next largest lender, Ixonia Bank.

    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%) $251,928 (14.8%) 0.78 631
    2018-02-01 $215,900 (16.7%) $258,594 (15.9%) 0.78 661
    2018-03-01 $229,900 (21.1%) $271,610 (19.7%) 0.81 677
    2018-04-01 $274,150 (40.7%) $325,124 (40.0%) 0.93 393
    2018-05-01 $279,900 (43.6%) $325,340 (38.4%) 0.93 415
    2018-06-01 $274,950 (41.0%) $320,442 (36.7%) 0.92 464
    2018-07-01 $265,950 (33.1%) $311,469 (32.5%) 0.89 470
    2018-08-01 $262,400 (31.3%) $305,248 (29.2%) 0.88 476
    2018-09-01 $259,900 (33.4%) $299,333 (26.1%) 0.87 498
    2018-10-01 $249,900 (33.7%) $291,453 (24.1%) 0.85 547
    2018-11-01 $259,675 (40.0%) $291,766 (23.8%) 0.88 544
    2018-12-01 $264,900 (35.9%) $294,111 (19.6%) 0.91 499
    2019-01-01 $273,725 (30.6%) $301,397 (19.6%) 0.95 433
    2019-02-01 $279,925 (29.7%) $309,742 (19.8%) 0.95 405
    2019-03-01 $280,614 (22.1%) $307,938 (13.4%) 0.92 410
    2019-04-01 $278,114 (1.5%) $309,362 (-4.9%) 0.88 419
    2019-05-01 $269,950 (-3.6%) $306,010 (-5.9%) 0.84 413
    2019-06-01 $259,900 (-5.5%) $297,648 (-7.1%) 0.81 427
    2019-07-01 $262,450 (-1.3%) $298,199 (-4.3%) 0.82 457
    2019-08-01 $264,973 (1.0%) $298,600 (-2.2%) 0.84 474
    2019-09-01 $264,932 (1.9%) $298,932 (-0.1%) 0.85 492
    2019-10-01 $264,905 (6.0%) $299,846 (2.9%) 0.85 505
    2019-11-01 $260,000 (0.1%) $301,083 (3.2%) 0.85 479
    2019-12-01 $259,900 (-1.9%) $303,236 (3.1%) 0.87 413
    2020-01-01 $262,700 (-4.0%) $307,136 (1.9%) 0.88 362
    2020-02-01 $282,450 (0.9%) $316,273 (2.1%) 0.92 340
    2020-03-01 $289,900 (3.3%) $323,244 (5.0%) 0.91 345
    2020-04-01 $299,350 (7.6%) $324,758 (5.0%) 0.94 343
    2020-05-01 $299,900 (11.1%) $332,003 (8.5%) 0.91 308
    2020-06-01 $299,900 (15.4%) $329,927 (10.8%) 0.88 273
    2020-07-01 $299,900 (14.3%) $323,174 (8.4%) 0.87 247
    2020-08-01 $294,900 (11.3%) $321,063 (7.5%) 0.85 257
    2020-09-01 $276,125 (4.2%) $310,762 (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%) $329,076 (9.3%) 0.88 252
    2020-12-01 $292,675 (12.6%) $317,186 (4.6%) 0.87 242
    2021-01-01 $299,900 (14.2%) $336,272 (9.5%) 0.90 201
    2021-02-01 $304,900 (8.0%) $339,937 (7.5%) 0.89 181
    2021-03-01 $284,400 (-1.9%) $330,789 (2.3%) 0.81 177
    2021-04-01 $276,150 (-7.8%) $328,696 (1.2%) 0.75 172
    2021-05-01 $299,900 (0.0%) $336,886 (1.5%) 0.80 181
    2021-06-01 $299,200 (-0.2%) $344,044 (4.3%) 0.79 209
    2021-07-01 $289,500 (-3.5%) $335,226 (3.7%) 0.76 234
    2021-08-01 $287,000 (-2.7%) $335,048 (4.4%) 0.77 275
    2021-09-01 $289,900 (5.0%) $328,173 (5.6%) 0.77 272
    2021-10-01 $289,900 (3.6%) $335,015 (4.0%) 0.77 266
    2021-11-01 $304,925 (1.7%) $352,118 (7.0%) 0.82 272
    2021-12-01 $334,175 (14.2%) $369,099 (16.4%) 0.91 225
    2022-01-01 $362,400 (20.8%) $389,934 (16.0%) 0.98 178
    2022-02-01 $370,000 (21.4%) $398,213 (17.1%) 0.96 179
    2022-03-01 $367,425 (29.2%) $378,257 (14.4%) 0.92 192
    2022-04-01 $369,900 (34.0%) $389,157 (18.4%) 0.88 223
    2022-05-01 $353,450 (17.9%) $384,980 (14.3%) 0.81 234
    2022-06-01 $362,455 (21.1%) $381,461 (10.9%) 0.81 266
    2022-07-01 $364,950 (26.1%) $382,953 (14.2%) 0.82 248
    2022-08-01 $369,950 (28.9%) $397,986 (18.8%) 0.86 237
    2022-09-01 $374,311 (29.1%) $399,920 (21.9%) 0.88 237
    2022-10-01 $384,900 (32.8%) $418,265 (24.9%) 0.91 243
    2022-11-01 $399,000 (30.9%) $431,566 (22.6%) 0.96 224
    2022-12-01 $399,900 (19.7%) $447,176 (21.2%) 0.99 202
    2023-01-01 $403,675 (11.4%) $461,322 (18.3%) 1.00 174
    2023-02-01 $399,900 (8.1%) $457,842 (15.0%) 0.97 167
    2023-03-01 $399,900 (8.8%) $445,437 (17.8%) 0.94 167
    2023-04-01 $395,500 (6.9%) $447,967 (15.1%) 0.92 182
    2023-05-01 $396,200 (12.1%) $445,501 (15.7%) 0.90 211
    2023-06-01 $407,000 (12.3%) $459,575 (20.5%) 0.91 229
    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%) $447,066 (6.9%) 0.94 333
    2023-11-01 $399,900 (0.2%) $441,636 (2.3%) 0.95 335
    2023-12-01 $399,900 (0.0%) $440,883 (-1.4%) 0.98 316
    2024-01-01 $396,400 (-1.8%) $444,916 (-3.6%) 0.97 277
    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
    Appleton's median listing price for 2024-03-01 was $399,900, a difference of $0 (0.0%) versus the prior year and $0 versus the prior month.

    Appleton's median listing price comes in at 94% of the national average.

    Appleton's average listing price for 2024-03-01 was $457,660, a difference of $12,223 (2.7%) versus the prior year and $-5,064 versus the prior month.

    For the 2024-03-01 period, Appleton had 275 MLS listings, a difference of 11 listings (4%) versus the prior month and 108 listings (65%) 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 49 days 1,956 sqft
    2018-04-01 44 days 2,092 sqft
    2018-05-01 43 days 2,159 sqft
    2018-06-01 43 days 2,169 sqft
    2018-07-01 49 days 2,096 sqft
    2018-08-01 50 days 2,098 sqft
    2018-09-01 45 days 2,073 sqft
    2018-10-01 46 days 1,923 sqft
    2018-11-01 54 days 1,931 sqft
    2018-12-01 71 days 1,961 sqft
    2019-01-01 84 days 1,972 sqft
    2019-02-01 88 days 2,000 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 1,917 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 2,055 sqft
    2019-11-01 61 days 2,041 sqft
    2019-12-01 71 days 2,011 sqft
    2020-01-01 76 days 2,051 sqft
    2020-02-01 61 days 2,096 sqft
    2020-03-01 50 days 2,091 sqft
    2020-04-01 49 days 2,115 sqft
    2020-05-01 62 days 2,080 sqft
    2020-06-01 59 days 2,066 sqft
    2020-07-01 63 days 2,019 sqft
    2020-08-01 50 days 2,028 sqft
    2020-09-01 45 days 1,988 sqft
    2020-10-01 46 days 1,992 sqft
    2020-11-01 53 days 1,917 sqft
    2020-12-01 60 days 1,864 sqft
    2021-01-01 66 days 1,864 sqft
    2021-02-01 66 days 1,833 sqft
    2021-03-01 40 days 1,815 sqft
    2021-04-01 33 days 1,800 sqft
    2021-05-01 38 days 1,906 sqft
    2021-06-01 31 days 1,989 sqft
    2021-07-01 32 days 1,987 sqft
    2021-08-01 32 days 1,901 sqft
    2021-09-01 40 days 1,912 sqft
    2021-10-01 47 days 1,844 sqft
    2021-11-01 42 days 1,655 sqft
    2021-12-01 52 days 1,630 sqft
    2022-01-01 42 days 1,609 sqft
    2022-02-01 37 days 1,607 sqft
    2022-03-01 47 days 1,648 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 1,922 sqft
    2022-08-01 45 days 1,922 sqft
    2022-09-01 45 days 1,923 sqft
    2022-10-01 42 days 1,944 sqft
    2022-11-01 44 days 1,904 sqft
    2022-12-01 58 days 1,906 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 1,959 sqft
    2023-05-01 30 days 1,838 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 1,890 sqft
    2023-11-01 44 days 1,837 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
    Appleton's median listing age (time on market) for 2024-03-01 was 46 days. This is -8% shorter than the same period one year ago.

    Appleton's median square footage for active listings during the 2024-03-01 period was 1,718 sqft. One year prior, the average listing was 1,869 sqft.