Auburn USDA Loan Rates, Closing Costs & Stats

Auburn, NY

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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.

    Auburn's 1 lenders originated 1 USDA loans during 2023. The total origination value was $85,000, with an average USDA loan value of $85,000.

    Auburn USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Auburn averaged -0.18% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Auburn's average USDA mortgage closing costs are $5,107.

    The average rate for the prior week (2024-11-08) was 6.28% and one month ago for the week of 2024-10-11, the average rate was 6.24%.

    The average rate one year ago was 7.37%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0%.

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

    Auburn 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 Auburn level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Bank of England 1 6.13% $8,138

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Auburn (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 $131,150 (-2.1%) $202,545 (1.7%) 0.00 254
    2018-02-01 $139,450 (-0.3%) $219,148 (10.5%) 0.00 250
    2018-03-01 $139,950 (0.0%) $217,001 (2.8%) 0.00 235
    2018-04-01 $147,575 (1.3%) $220,651 (1.9%) 0.00 247
    2018-05-01 $157,625 (4.3%) $223,303 (-0.2%) 0.00 253
    2018-06-01 $170,450 (6.9%) $238,088 (5.3%) 0.00 286
    2018-07-01 $179,600 (10.5%) $242,942 (-3.2%) 0.00 308
    2018-08-01 $176,075 (8.4%) $248,920 (0.8%) 0.00 298
    2018-09-01 $169,900 (6.3%) $249,143 (1.2%) 0.00 289
    2018-10-01 $172,100 (14.8%) $250,997 (5.5%) 0.00 289
    2018-11-01 $173,000 (15.8%) $257,154 (7.1%) 0.00 275
    2018-12-01 $167,750 (19.9%) $257,844 (16.5%) 0.00 250
    2019-01-01 $159,925 (21.9%) $248,485 (22.7%) 0.00 211
    2019-02-01 $160,700 (15.2%) $255,776 (16.7%) 0.00 195
    2019-03-01 $179,329 (28.1%) $271,214 (25.0%) 0.00 203
    2019-04-01 $195,450 (32.4%) $285,185 (29.3%) 0.00 222
    2019-05-01 $197,225 (25.1%) $276,782 (24.0%) 0.00 247
    2019-06-01 $189,900 (11.4%) $273,695 (15.0%) 0.00 278
    2019-07-01 $204,850 (14.1%) $283,796 (16.8%) 0.00 275
    2019-08-01 $203,827 (15.8%) $285,614 (14.7%) 0.00 270
    2019-09-01 $199,818 (17.6%) $286,541 (15.0%) 0.00 261
    2019-10-01 $195,800 (13.8%) $283,981 (13.1%) 0.00 252
    2019-11-01 $179,450 (3.7%) $272,041 (5.8%) 0.00 246
    2019-12-01 $169,900 (1.3%) $256,515 (-0.5%) 0.00 220
    2020-01-01 $165,000 (3.2%) $256,278 (3.1%) 0.00 192
    2020-02-01 $174,900 (8.8%) $251,204 (-1.8%) 0.00 188
    2020-03-01 $179,900 (0.3%) $260,749 (-3.9%) 0.00 172
    2020-04-01 $179,300 (-8.3%) $261,363 (-8.4%) 0.00 160
    2020-05-01 $189,900 (-3.7%) $278,846 (0.8%) 0.00 163
    2020-06-01 $214,950 (13.2%) $299,316 (9.4%) 0.00 181
    2020-07-01 $215,950 (5.4%) $300,584 (5.9%) 0.00 181
    2020-08-01 $219,900 (7.9%) $295,423 (3.4%) 0.00 151
    2020-09-01 $184,900 (-7.5%) $281,391 (-1.8%) 0.00 149
    2020-10-01 $179,900 (-8.1%) $302,677 (6.6%) 0.00 144
    2020-11-01 $179,800 (0.2%) $302,307 (11.1%) 0.00 127
    2020-12-01 $152,400 (-10.3%) $285,298 (11.2%) 0.00 127
    2021-01-01 $164,900 (-0.1%) $299,487 (16.9%) 0.00 98
    2021-02-01 $153,425 (-12.3%) $317,710 (26.5%) 0.00 85
    2021-03-01 $174,900 (-2.8%) $344,293 (32.0%) 0.00 83
    2021-04-01 $215,000 (19.9%) $348,957 (33.5%) 0.00 84
    2021-05-01 $209,450 (10.3%) $332,447 (19.2%) 0.00 94
    2021-06-01 $199,000 (-7.4%) $322,221 (7.7%) 0.00 103
    2021-07-01 $195,000 (-9.7%) $302,056 (0.5%) 0.00 123
    2021-08-01 $233,425 (6.2%) $328,312 (11.1%) 0.00 105
    2021-09-01 $219,450 (18.7%) $326,176 (15.9%) 0.00 114
    2021-10-01 $224,900 (25.0%) $338,114 (11.7%) 0.00 117
    2021-11-01 $212,400 (18.1%) $295,342 (-2.3%) 0.00 89
    2021-12-01 $196,564 (29.0%) $259,112 (-9.2%) 0.00 83
    2022-01-01 $179,900 (9.1%) $265,142 (-11.5%) 0.00 76
    2022-02-01 $158,650 (3.4%) $260,797 (-17.9%) 0.00 67
    2022-03-01 $165,000 (-5.7%) $230,809 (-33.0%) 0.00 59
    2022-04-01 $192,400 (-10.5%) $274,069 (-21.5%) 0.00 79
    2022-05-01 $203,450 (-2.9%) $301,881 (-9.2%) 0.00 92
    2022-06-01 $214,425 (7.8%) $315,709 (-2.0%) 0.00 96
    2022-07-01 $200,000 (2.6%) $314,616 (4.2%) 0.00 117
    2022-08-01 $216,675 (-7.2%) $331,453 (1.0%) 0.00 126
    2022-09-01 $189,950 (-13.4%) $323,406 (-0.9%) 0.00 128
    2022-10-01 $189,700 (-15.7%) $330,306 (-2.3%) 0.00 124
    2022-11-01 $192,450 (-9.4%) $339,025 (14.8%) 0.00 110
    2022-12-01 $195,000 (-0.8%) $320,655 (23.8%) 0.00 96
    2023-01-01 $186,100 (3.5%) $308,797 (16.5%) 0.00 71
    2023-02-01 $189,900 (19.7%) $305,410 (17.1%) 0.00 62
    2023-03-01 $210,375 (27.5%) $375,924 (62.9%) 0.00 53
    2023-04-01 $265,000 (37.7%) $409,868 (49.6%) 0.00 54
    2023-05-01 $235,700 (15.9%) $393,021 (30.2%) 0.00 55
    2023-06-01 $237,475 (10.8%) $360,770 (14.3%) 0.00 61
    2023-07-01 $234,950 (17.5%) $343,902 (9.3%) 0.00 80
    2023-08-01 $241,650 (11.5%) $331,305 (0.0%) 0.00 91
    2023-09-01 $239,950 (26.3%) $385,186 (19.1%) 0.00 102
    2023-10-01 $237,500 (25.2%) $387,659 (17.4%) 0.00 88
    2023-11-01 $223,563 (16.2%) $361,677 (6.7%) 0.00 85
    2023-12-01 $199,950 (2.5%) $353,327 (10.2%) 0.00 86
    2024-01-01 $204,725 (10.0%) $369,874 (19.8%) 0.00 69
    2024-02-01 $214,925 (13.2%) $386,764 (26.6%) 0.00 62
    2024-03-01 $224,900 (6.9%) $330,814 (-12.0%) 0.00 59
    2024-04-01 $274,900 (3.7%) $371,389 (-9.4%) 0.00 51
    2024-05-01 $289,975 (23.0%) $436,649 (11.1%) 0.00 69
    2024-06-01 $319,900 (34.7%) $480,379 (33.2%) 0.00 79
    2024-07-01 $299,900 (27.6%) $436,939 (27.1%) 0.00 90
    2024-08-01 $284,900 (17.9%) $425,973 (28.6%) 0.00 107
    2024-09-01 $288,450 (20.2%) $429,428 (11.5%) 0.00 110
    2024-10-01 $282,175 (18.8%) $409,844 (5.7%) 0.00 108
    Auburn's median listing price for 2024-10-01 was $282,175, a difference of $44,675 (18.8%) versus the prior year and $-6,275 versus the prior month.

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

    Auburn's average listing price for 2024-10-01 was $409,844, a difference of $22,185 (5.7%) versus the prior year and $-19,584 versus the prior month.

    For the 2024-10-01 period, Auburn had 108 MLS listings, a difference of -2 listings (-2%) versus the prior month and 20 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Auburn (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,717 sqft
    2018-02-01 0 days 1,680 sqft
    2018-03-01 0 days 1,719 sqft
    2018-04-01 0 days 1,720 sqft
    2018-05-01 0 days 1,714 sqft
    2018-06-01 0 days 1,708 sqft
    2018-07-01 0 days 1,734 sqft
    2018-08-01 0 days 1,721 sqft
    2018-09-01 0 days 1,700 sqft
    2018-10-01 0 days 1,668 sqft
    2018-11-01 0 days 1,704 sqft
    2018-12-01 0 days 1,724 sqft
    2019-01-01 0 days 1,680 sqft
    2019-02-01 0 days 1,691 sqft
    2019-03-01 0 days 1,782 sqft
    2019-04-01 0 days 1,842 sqft
    2019-05-01 0 days 1,749 sqft
    2019-06-01 0 days 1,698 sqft
    2019-07-01 0 days 1,693 sqft
    2019-08-01 0 days 1,739 sqft
    2019-09-01 0 days 1,780 sqft
    2019-10-01 0 days 1,801 sqft
    2019-11-01 0 days 1,792 sqft
    2019-12-01 0 days 1,747 sqft
    2020-01-01 0 days 1,794 sqft
    2020-02-01 0 days 1,770 sqft
    2020-03-01 0 days 1,781 sqft
    2020-04-01 0 days 1,746 sqft
    2020-05-01 0 days 1,829 sqft
    2020-06-01 0 days 1,855 sqft
    2020-07-01 0 days 1,815 sqft
    2020-08-01 0 days 1,851 sqft
    2020-09-01 0 days 1,862 sqft
    2020-10-01 0 days 1,872 sqft
    2020-11-01 0 days 1,774 sqft
    2020-12-01 0 days 1,659 sqft
    2021-01-01 0 days 1,640 sqft
    2021-02-01 0 days 1,654 sqft
    2021-03-01 0 days 1,693 sqft
    2021-04-01 0 days 1,724 sqft
    2021-05-01 0 days 1,716 sqft
    2021-06-01 0 days 1,784 sqft
    2021-07-01 0 days 1,828 sqft
    2021-08-01 0 days 1,883 sqft
    2021-09-01 0 days 1,746 sqft
    2021-10-01 0 days 1,792 sqft
    2021-11-01 0 days 1,777 sqft
    2021-12-01 0 days 1,696 sqft
    2022-01-01 0 days 1,694 sqft
    2022-02-01 0 days 1,687 sqft
    2022-03-01 0 days 1,736 sqft
    2022-04-01 0 days 1,800 sqft
    2022-05-01 0 days 1,783 sqft
    2022-06-01 0 days 1,860 sqft
    2022-07-01 0 days 1,702 sqft
    2022-08-01 0 days 1,833 sqft
    2022-09-01 0 days 1,778 sqft
    2022-10-01 0 days 1,844 sqft
    2022-11-01 0 days 1,881 sqft
    2022-12-01 0 days 1,823 sqft
    2023-01-01 0 days 1,689 sqft
    2023-02-01 0 days 1,778 sqft
    2023-03-01 0 days 1,864 sqft
    2023-04-01 0 days 1,936 sqft
    2023-05-01 0 days 1,689 sqft
    2023-06-01 0 days 1,736 sqft
    2023-07-01 0 days 1,683 sqft
    2023-08-01 0 days 1,775 sqft
    2023-09-01 0 days 1,872 sqft
    2023-10-01 0 days 1,722 sqft
    2023-11-01 0 days 1,812 sqft
    2023-12-01 0 days 1,882 sqft
    2024-01-01 0 days 1,753 sqft
    2024-02-01 0 days 1,782 sqft
    2024-03-01 0 days 1,728 sqft
    2024-04-01 0 days 1,677 sqft
    2024-05-01 0 days 1,770 sqft
    2024-06-01 0 days 1,983 sqft
    2024-07-01 0 days 1,823 sqft
    2024-08-01 0 days 1,662 sqft
    2024-09-01 0 days 1,656 sqft
    2024-10-01 0 days 1,742 sqft
    Auburn's median listing age (time on market) for 2024-10-01 was 0 days.

    Auburn's median square footage for active listings during the 2024-10-01 period was 1,742 sqft. One year prior, the average listing was 1,722 sqft.