Baraboo USDA Loan Rates, Closing Costs & Stats

Baraboo, 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.

    Baraboo's 4 lenders originated 10 USDA loans during 2023. The total origination value was $1,980,000, with an average USDA loan value of $198,000.

    Baraboo USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Baraboo averaged -0.16% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Baraboo's average USDA mortgage closing costs are $4,623.

    The average rate for the prior week (2024-11-08) was 6.49% and one month ago for the week of 2024-10-11, the average rate was 5.86%.

    The average rate one year ago was 7.28%.

    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.

    Baraboo 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 Baraboo level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 6 6.79% $8,457
    Mortgage Research Center, LLC 1 5.38% $3,728
    NEWREZ LLC 1 7.13% $5,862
    Paramount Residential Mortgage Group, Inc. 1 6.13% $5,216

    The top Baraboo USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 6 USDA loans originated. Their average total fees are $8,457, which is $4,729 higher than the next largest lender, Mortgage Research Center, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Baraboo (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 $227,975 (14.7%) $264,699 (3.3%) 0.00 288
    2018-02-01 $244,975 (22.6%) $276,284 (5.4%) 0.00 260
    2018-03-01 $249,900 (13.6%) $278,239 (4.2%) 0.00 285
    2018-04-01 $249,675 (13.5%) $282,934 (6.0%) 0.00 302
    2018-05-01 $249,225 (15.4%) $284,928 (3.4%) 0.00 329
    2018-06-01 $249,000 (12.0%) $284,452 (0.8%) 0.00 348
    2018-07-01 $253,175 (15.1%) $291,188 (3.3%) 0.00 353
    2018-08-01 $249,450 (13.4%) $294,168 (4.5%) 0.00 355
    2018-09-01 $249,900 (11.4%) $296,095 (9.5%) 0.00 347
    2018-10-01 $239,450 (5.4%) $281,639 (3.6%) 0.00 347
    2018-11-01 $231,450 (2.7%) $270,340 (1.5%) 0.00 331
    2018-12-01 $229,900 (4.6%) $265,516 (0.7%) 0.00 292
    2019-01-01 $229,925 (0.9%) $273,339 (3.3%) 0.00 273
    2019-02-01 $237,000 (-3.3%) $275,989 (-0.1%) 0.00 244
    2019-03-01 $234,493 (-6.2%) $278,326 (0.0%) 0.00 264
    2019-04-01 $236,993 (-5.1%) $286,450 (1.2%) 0.00 286
    2019-05-01 $252,950 (1.5%) $301,782 (5.9%) 0.00 307
    2019-06-01 $255,950 (2.8%) $303,603 (6.7%) 0.00 322
    2019-07-01 $259,450 (2.5%) $305,472 (4.9%) 0.00 324
    2019-08-01 $258,536 (3.6%) $305,487 (3.9%) 0.00 320
    2019-09-01 $256,491 (2.6%) $306,070 (3.4%) 0.00 316
    2019-10-01 $255,127 (6.6%) $305,067 (8.3%) 0.00 308
    2019-11-01 $254,900 (10.1%) $312,610 (15.6%) 0.00 265
    2019-12-01 $251,150 (9.2%) $304,905 (14.8%) 0.00 255
    2020-01-01 $252,400 (9.8%) $310,360 (13.5%) 0.00 225
    2020-02-01 $254,900 (7.6%) $311,415 (12.8%) 0.00 225
    2020-03-01 $267,400 (14.0%) $323,138 (16.1%) 0.00 222
    2020-04-01 $267,400 (12.8%) $324,110 (13.2%) 0.00 230
    2020-05-01 $257,400 (1.8%) $307,687 (2.0%) 0.00 226
    2020-06-01 $256,150 (0.1%) $323,975 (6.7%) 0.00 194
    2020-07-01 $254,900 (-1.8%) $329,456 (7.9%) 0.00 181
    2020-08-01 $249,900 (-3.3%) $326,796 (7.0%) 0.00 158
    2020-09-01 $248,950 (-2.9%) $319,346 (4.3%) 0.00 169
    2020-10-01 $245,450 (-3.8%) $296,144 (-2.9%) 0.00 135
    2020-11-01 $239,450 (-6.1%) $294,653 (-5.7%) 0.00 128
    2020-12-01 $226,950 (-9.6%) $274,462 (-10.0%) 0.00 113
    2021-01-01 $226,950 (-10.1%) $271,348 (-12.6%) 0.00 102
    2021-02-01 $227,400 (-10.8%) $288,977 (-7.2%) 0.00 96
    2021-03-01 $229,450 (-14.2%) $313,587 (-3.0%) 0.00 97
    2021-04-01 $226,950 (-15.1%) $322,883 (-0.4%) 0.00 102
    2021-05-01 $229,450 (-10.9%) $317,768 (3.3%) 0.00 99
    2021-06-01 $243,425 (-5.0%) $344,835 (6.4%) 0.00 111
    2021-07-01 $270,000 (5.9%) $376,331 (14.2%) 0.00 110
    2021-08-01 $278,650 (11.5%) $374,446 (14.6%) 0.00 109
    2021-09-01 $276,950 (11.3%) $380,388 (19.1%) 0.00 107
    2021-10-01 $269,900 (10.0%) $362,199 (22.3%) 0.00 103
    2021-11-01 $244,900 (2.3%) $345,297 (17.2%) 0.00 87
    2021-12-01 $246,150 (8.5%) $362,629 (32.1%) 0.00 80
    2022-01-01 $265,000 (16.8%) $375,970 (38.6%) 0.00 61
    2022-02-01 $259,950 (14.3%) $378,448 (31.0%) 0.00 56
    2022-03-01 $282,475 (23.1%) $359,174 (14.5%) 0.00 68
    2022-04-01 $307,450 (35.5%) $406,082 (25.8%) 0.00 66
    2022-05-01 $341,175 (48.7%) $416,830 (31.2%) 0.00 84
    2022-06-01 $351,950 (44.6%) $433,231 (25.6%) 0.00 98
    2022-07-01 $311,400 (15.3%) $391,247 (4.0%) 0.00 126
    2022-08-01 $334,950 (20.2%) $406,005 (8.4%) 0.00 121
    2022-09-01 $347,400 (25.4%) $406,351 (6.8%) 0.00 119
    2022-10-01 $319,900 (18.5%) $384,192 (6.1%) 0.00 128
    2022-11-01 $315,750 (28.9%) $368,254 (6.7%) 0.00 132
    2022-12-01 $299,900 (21.8%) $359,657 (-0.8%) 0.00 122
    2023-01-01 $286,675 (8.2%) $357,792 (-4.8%) 0.00 101
    2023-02-01 $293,225 (12.8%) $361,103 (-4.6%) 0.00 90
    2023-03-01 $324,225 (14.8%) $367,528 (2.3%) 0.00 85
    2023-04-01 $291,000 (-5.4%) $425,961 (4.9%) 0.00 86
    2023-05-01 $304,950 (-10.6%) $462,800 (11.0%) 0.00 86
    2023-06-01 $338,504 (-3.8%) $482,811 (11.4%) 0.00 99
    2023-07-01 $299,900 (-3.7%) $445,683 (13.9%) 0.00 121
    2023-08-01 $319,900 (-4.5%) $445,171 (9.7%) 0.00 126
    2023-09-01 $350,000 (0.8%) $473,779 (16.6%) 0.00 144
    2023-10-01 $357,500 (11.8%) $497,867 (29.6%) 0.00 143
    2023-11-01 $369,725 (17.1%) $495,495 (34.6%) 0.00 146
    2023-12-01 $354,500 (18.2%) $488,501 (35.8%) 0.00 142
    2024-01-01 $348,200 (21.5%) $483,043 (35.0%) 0.00 138
    2024-02-01 $332,225 (13.3%) $486,272 (34.7%) 0.00 130
    2024-03-01 $344,900 (6.4%) $487,200 (32.6%) 0.00 130
    2024-04-01 $352,500 (21.1%) $499,322 (17.2%) 0.00 132
    2024-05-01 $369,925 (21.3%) $505,576 (9.2%) 0.00 125
    2024-06-01 $382,450 (13.0%) $501,369 (3.8%) 0.00 135
    2024-07-01 $379,900 (26.7%) $517,477 (16.1%) 0.00 138
    2024-08-01 $369,900 (15.6%) $482,989 (8.5%) 0.00 153
    2024-09-01 $367,438 (5.0%) $488,732 (3.2%) 0.00 167
    2024-10-01 $343,675 (-3.9%) $482,641 (-3.1%) 0.00 165
    Baraboo's median listing price for 2024-10-01 was $343,675, a difference of $-13,825 (-3.9%) versus the prior year and $-23,763 versus the prior month.

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

    Baraboo's average listing price for 2024-10-01 was $482,641, a difference of $-15,226 (-3.1%) versus the prior year and $-6,091 versus the prior month.

    For the 2024-10-01 period, Baraboo had 165 MLS listings, a difference of -2 listings (-1%) versus the prior month and 22 listings (15%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Baraboo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,789 sqft
    2018-02-01 0 days 1,803 sqft
    2018-03-01 0 days 1,800 sqft
    2018-04-01 0 days 1,899 sqft
    2018-05-01 0 days 1,878 sqft
    2018-06-01 0 days 1,874 sqft
    2018-07-01 0 days 1,854 sqft
    2018-08-01 0 days 1,867 sqft
    2018-09-01 0 days 1,900 sqft
    2018-10-01 0 days 1,800 sqft
    2018-11-01 0 days 1,776 sqft
    2018-12-01 0 days 1,778 sqft
    2019-01-01 0 days 1,783 sqft
    2019-02-01 0 days 1,770 sqft
    2019-03-01 0 days 1,705 sqft
    2019-04-01 0 days 1,742 sqft
    2019-05-01 0 days 1,784 sqft
    2019-06-01 0 days 1,784 sqft
    2019-07-01 0 days 1,812 sqft
    2019-08-01 0 days 1,788 sqft
    2019-09-01 0 days 1,795 sqft
    2019-10-01 0 days 1,799 sqft
    2019-11-01 0 days 1,722 sqft
    2019-12-01 0 days 1,720 sqft
    2020-01-01 0 days 1,784 sqft
    2020-02-01 0 days 1,724 sqft
    2020-03-01 0 days 1,803 sqft
    2020-04-01 0 days 1,829 sqft
    2020-05-01 0 days 1,800 sqft
    2020-06-01 0 days 1,752 sqft
    2020-07-01 0 days 1,730 sqft
    2020-08-01 0 days 1,744 sqft
    2020-09-01 0 days 1,724 sqft
    2020-10-01 0 days 1,732 sqft
    2020-11-01 0 days 1,678 sqft
    2020-12-01 0 days 1,600 sqft
    2021-01-01 0 days 1,591 sqft
    2021-02-01 0 days 1,580 sqft
    2021-03-01 0 days 1,674 sqft
    2021-04-01 0 days 1,637 sqft
    2021-05-01 0 days 1,581 sqft
    2021-06-01 0 days 1,708 sqft
    2021-07-01 0 days 1,750 sqft
    2021-08-01 0 days 1,836 sqft
    2021-09-01 0 days 1,885 sqft
    2021-10-01 0 days 1,790 sqft
    2021-11-01 0 days 1,657 sqft
    2021-12-01 0 days 1,735 sqft
    2022-01-01 0 days 1,744 sqft
    2022-02-01 0 days 1,632 sqft
    2022-03-01 0 days 1,590 sqft
    2022-04-01 0 days 1,586 sqft
    2022-05-01 0 days 1,751 sqft
    2022-06-01 0 days 1,800 sqft
    2022-07-01 0 days 1,703 sqft
    2022-08-01 0 days 1,771 sqft
    2022-09-01 0 days 1,785 sqft
    2022-10-01 0 days 1,718 sqft
    2022-11-01 0 days 1,684 sqft
    2022-12-01 0 days 1,653 sqft
    2023-01-01 0 days 1,587 sqft
    2023-02-01 0 days 1,604 sqft
    2023-03-01 0 days 1,616 sqft
    2023-04-01 0 days 1,635 sqft
    2023-05-01 0 days 1,784 sqft
    2023-06-01 0 days 1,829 sqft
    2023-07-01 0 days 1,770 sqft
    2023-08-01 0 days 1,809 sqft
    2023-09-01 0 days 1,869 sqft
    2023-10-01 0 days 1,877 sqft
    2023-11-01 0 days 1,869 sqft
    2023-12-01 0 days 1,803 sqft
    2024-01-01 0 days 1,784 sqft
    2024-02-01 0 days 1,786 sqft
    2024-03-01 0 days 1,784 sqft
    2024-04-01 0 days 1,838 sqft
    2024-05-01 0 days 1,802 sqft
    2024-06-01 0 days 1,852 sqft
    2024-07-01 0 days 1,869 sqft
    2024-08-01 0 days 1,784 sqft
    2024-09-01 0 days 1,791 sqft
    2024-10-01 0 days 1,773 sqft
    Baraboo's median listing age (time on market) for 2024-10-01 was 0 days.

    Baraboo's median square footage for active listings during the 2024-10-01 period was 1,773 sqft. One year prior, the average listing was 1,877 sqft.