Baraboo USDA Loan Rates, Closing Costs & Stats

Baraboo, WI

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 15 lenders originated 22 USDA loans during 2022. The total origination value was $4,200,000, with an average USDA loan value of $190,909.

Baraboo USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Baraboo averaged -0.69% for the week of 2024-02-23, compared to the national average (all USDA variants) of 0% for the same period.

Baraboo's average USDA mortgage closing costs are $4,512.

The average rate for the prior week (2024-02-16) was 6.19% and one month ago for the week of 2024-01-19, the average rate was 5.87%.

The average rate one year ago was 5.67%.

For refis of the same type during the week of 2024-02-23, the average rate was -1.7%.

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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
GUILD MORTGAGE COMPANY 6 4.44% $8,644
CROSSCOUNTRY MORTGAGE, LLC 1 4.50% $6,718
DAS Acquisition Company, LLC 1 4.38% $5,862
Equity Prime Mortgage LLC 1 6.75% $5,161
FINANCE OF AMERICA MORTGAGE LLC 1 5.63% $6,534
Flagstar Bank, FSB 1 3.25% $3,561
HOME POINT FINANCIAL CORPORATION 1 5.25% $4,404
INLANTA MORTGAGE, INC. 1 4.88% $5,376
MID AMERICA MORTGAGE, INC. 1 4.75% $5,747
NATIONS RELIABLE LENDING, LLC 1 4.13% $5,881
Paramount Residential Mortgage Group, Inc. 1 4.75% $7,690
Prosperity Home Mortgage, LLC 1 2.88% $4,272
THOMPSON KANE & COMPANY, LLC 1 3.25% $6,330
Barrington Bank & Trust Company, N.A. 1 5.25% $7,640
UNITED WHOLESALE MORTGAGE, LLC 1 5.88% $8,035

The top Baraboo USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 6 USDA loans originated. Their average total fees are $8,644, which is $1,926 higher than the next largest lender, CROSSCOUNTRY MORTGAGE, 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 (15.5%) $264,699 (-3.5%) 0.00 288
2018-02-01 $244,975 (24.9%) $276,284 (-0.5%) 0.00 260
2018-03-01 $249,900 (17.5%) $278,239 (0.5%) 0.00 285
2018-04-01 $249,675 (13.6%) $282,934 (2.2%) 0.00 302
2018-05-01 $249,225 (13.9%) $284,928 (5.3%) 0.00 329
2018-06-01 $249,000 (10.9%) $284,452 (4.6%) 0.00 348
2018-07-01 $253,175 (13.3%) $291,188 (6.6%) 0.00 353
2018-08-01 $249,450 (13.3%) $294,168 (7.3%) 0.00 355
2018-09-01 $249,900 (9.2%) $296,095 (6.5%) 0.00 347
2018-10-01 $239,450 (4.4%) $281,639 (3.7%) 0.00 347
2018-11-01 $231,450 (0.6%) $270,340 (0.5%) 0.00 331
2018-12-01 $229,900 (0.3%) $265,516 (0.9%) 0.00 292
2019-01-01 $229,925 (-0.5%) $273,339 (3.6%) 0.00 273
2019-02-01 $237,000 (-4.0%) $275,989 (0.4%) 0.00 244
2019-03-01 $234,493 (-7.9%) $278,326 (-0.1%) 0.00 264
2019-04-01 $236,993 (-3.1%) $286,450 (3.3%) 0.00 286
2019-05-01 $252,950 (9.1%) $301,782 (12.0%) 0.00 307
2019-06-01 $255,950 (4.4%) $303,603 (5.9%) 0.00 322
2019-07-01 $259,450 (7.0%) $305,472 (4.4%) 0.00 324
2019-08-01 $258,536 (4.8%) $305,487 (2.4%) 0.00 320
2019-09-01 $256,491 (5.3%) $306,070 (2.5%) 0.00 316
2019-10-01 $255,127 (8.3%) $305,067 (8.0%) 0.00 308
2019-11-01 $254,900 (12.4%) $312,610 (18.2%) 0.00 265
2019-12-01 $251,150 (12.7%) $304,905 (17.8%) 0.00 255
2020-01-01 $252,400 (15.6%) $310,360 (16.6%) 0.00 225
2020-02-01 $254,900 (15.8%) $311,415 (16.0%) 0.00 225
2020-03-01 $267,400 (19.6%) $323,138 (18.0%) 0.00 222
2020-04-01 $267,400 (17.8%) $324,110 (15.3%) 0.00 230
2020-05-01 $257,400 (1.1%) $307,687 (0.3%) 0.00 226
2020-06-01 $256,150 (9.1%) $323,975 (14.8%) 0.00 194
2020-07-01 $254,900 (3.7%) $329,456 (15.9%) 0.00 181
2020-08-01 $249,900 (1.0%) $326,796 (15.9%) 0.00 158
2020-09-01 $248,950 (1.6%) $319,346 (14.2%) 0.00 169
2020-10-01 $245,450 (-2.1%) $296,144 (3.5%) 0.00 135
2020-11-01 $239,450 (-2.2%) $294,653 (-0.9%) 0.00 128
2020-12-01 $226,950 (-5.3%) $274,462 (-5.0%) 0.00 113
2021-01-01 $226,950 (-4.4%) $271,348 (-6.1%) 0.00 102
2021-02-01 $227,400 (-5.4%) $288,977 (-1.2%) 0.00 96
2021-03-01 $229,450 (-4.9%) $313,587 (2.7%) 0.00 97
2021-04-01 $226,950 (-3.0%) $322,883 (7.3%) 0.00 102
2021-05-01 $229,450 (1.9%) $317,768 (14.2%) 0.00 99
2021-06-01 $243,425 (-0.1%) $344,835 (4.6%) 0.00 111
2021-07-01 $270,000 (9.4%) $376,331 (17.7%) 0.00 110
2021-08-01 $278,650 (16.7%) $374,446 (18.8%) 0.00 109
2021-09-01 $276,950 (17.2%) $380,388 (21.4%) 0.00 107
2021-10-01 $269,900 (23.8%) $362,199 (25.2%) 0.00 103
2021-11-01 $244,900 (6.2%) $345,297 (17.3%) 0.00 87
2021-12-01 $246,150 (13.6%) $362,629 (36.2%) 0.00 80
2022-01-01 $265,000 (18.1%) $375,970 (49.3%) 0.00 61
2022-02-01 $259,950 (21.0%) $378,448 (42.9%) 0.00 56
2022-03-01 $282,475 (22.3%) $359,174 (22.4%) 0.00 68
2022-04-01 $307,450 (25.6%) $406,082 (29.1%) 0.00 66
2022-05-01 $341,175 (42.6%) $416,830 (29.6%) 0.00 84
2022-06-01 $351,950 (37.2%) $433,231 (31.5%) 0.00 98
2022-07-01 $311,400 (16.4%) $391,247 (7.8%) 0.00 126
2022-08-01 $334,950 (25.3%) $406,005 (11.3%) 0.00 121
2022-09-01 $347,400 (27.3%) $406,351 (11.7%) 0.00 119
2022-10-01 $319,900 (20.6%) $384,192 (10.2%) 0.00 128
2022-11-01 $315,750 (32.7%) $368,254 (11.9%) 0.00 132
2022-12-01 $299,900 (31.8%) $359,657 (2.0%) 0.00 122
2023-01-01 $286,675 (23.3%) $357,792 (-8.2%) 0.00 101
2023-02-01 $293,225 (21.3%) $361,103 (-6.2%) 0.00 90
2023-03-01 $324,225 (11.0%) $367,528 (1.5%) 0.00 85
2023-04-01 $291,000 (0.6%) $425,961 (6.0%) 0.00 86
2023-05-01 $304,950 (-6.6%) $462,800 (15.5%) 0.00 86
2023-06-01 $338,504 (0.0%) $482,811 (14.7%) 0.00 99
2023-07-01 $299,900 (-2.7%) $445,683 (10.1%) 0.00 121
2023-08-01 $319,900 (-9.1%) $445,171 (3.8%) 0.00 126
2023-09-01 $350,000 (-7.3%) $473,779 (6.5%) 0.00 144
2023-10-01 $357,500 (-0.3%) $497,867 (24.4%) 0.00 143
2023-11-01 $369,725 (9.5%) $495,495 (33.0%) 0.00 146
2023-12-01 $354,500 (0.0%) $488,501 (0.0%) 0.00 142
Baraboo's median listing price for 2023-12-01 was $354,500, a difference of $54,600 (0.0%) versus the prior year and $-15,225 versus the prior month.

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

Baraboo's average listing price for 2023-12-01 was $488,501, a difference of $128,844 (0.0%) versus the prior year and $-6,994 versus the prior month.

For the 2023-12-01 period, Baraboo had 142 MLS listings, a difference of -4 listings (-3%) versus the prior month and 20 listings (16%) 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
Baraboo's median listing age (time on market) for 2023-12-01 was 0 days.

Baraboo's median square footage for active listings during the 2023-12-01 period was 1,803 sqft. One year prior, the average listing was 1,653 sqft.