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 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 6.34% for the week of 2023-05-26, compared to the national average (all USDA variants) of 6.63% for the same period.

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

    The average rate for the prior week (2023-05-19) was 5.88% and one month ago for the week of 2023-04-21, the average rate was 5.79%.

    The average rate one year ago was 4.71%.

    For refis of the same type during the week of 2023-05-26, the average rate was 5.23%.

    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 $230,950 (15.5%) $262,660 (-3.5%) 0.00 247
    2018-02-01 $249,675 (24.9%) $275,829 (-0.5%) 0.00 220
    2018-03-01 $259,900 (17.5%) $280,645 (0.5%) 0.00 234
    2018-04-01 $249,900 (13.6%) $281,680 (2.2%) 0.00 252
    2018-05-01 $244,725 (13.9%) $280,750 (5.3%) 0.00 280
    2018-06-01 $249,000 (10.9%) $287,708 (4.6%) 0.00 293
    2018-07-01 $254,700 (13.3%) $295,242 (6.6%) 0.00 299
    2018-08-01 $254,900 (13.3%) $299,554 (7.3%) 0.00 299
    2018-09-01 $249,900 (9.2%) $298,745 (6.5%) 0.00 294
    2018-10-01 $239,900 (4.4%) $282,769 (3.7%) 0.00 299
    2018-11-01 $231,325 (0.6%) $267,773 (0.5%) 0.00 287
    2018-12-01 $229,900 (0.3%) $264,579 (0.9%) 0.00 252
    2019-01-01 $229,900 (-0.5%) $272,032 (3.6%) 0.00 233
    2019-02-01 $239,675 (-4.0%) $276,940 (0.4%) 0.00 202
    2019-03-01 $239,900 (-7.7%) $282,939 (0.8%) 0.00 213
    2019-04-01 $242,225 (-3.1%) $291,532 (3.5%) 0.00 241
    2019-05-01 $266,950 (9.1%) $314,464 (12.0%) 0.00 258
    2019-06-01 $260,000 (4.4%) $304,739 (5.9%) 0.00 267
    2019-07-01 $272,400 (7.0%) $308,336 (4.4%) 0.00 271
    2019-08-01 $273,900 (7.5%) $314,890 (5.1%) 0.00 272
    2019-09-01 $269,225 (7.7%) $315,936 (5.8%) 0.00 259
    2019-10-01 $259,900 (8.3%) $305,369 (8.0%) 0.00 257
    2019-11-01 $259,900 (12.4%) $316,431 (18.2%) 0.00 218
    2019-12-01 $259,175 (12.7%) $311,650 (17.8%) 0.00 205
    2020-01-01 $265,700 (15.6%) $317,049 (16.6%) 0.00 181
    2020-02-01 $277,500 (15.8%) $321,192 (16.0%) 0.00 176
    2020-03-01 $286,350 (19.4%) $330,865 (16.9%) 0.00 178
    2020-04-01 $285,350 (17.8%) $335,477 (15.1%) 0.00 190
    2020-05-01 $269,900 (1.1%) $315,443 (0.3%) 0.00 186
    2020-06-01 $283,700 (9.1%) $349,728 (14.8%) 0.00 152
    2020-07-01 $282,450 (3.7%) $357,342 (15.9%) 0.00 144
    2020-08-01 $269,900 (-1.5%) $355,371 (12.9%) 0.00 124
    2020-09-01 $267,400 (-0.7%) $349,803 (10.7%) 0.00 132
    2020-10-01 $254,500 (-2.1%) $315,956 (3.5%) 0.00 105
    2020-11-01 $254,225 (-2.2%) $313,558 (-0.9%) 0.00 97
    2020-12-01 $245,475 (-5.3%) $295,971 (-5.0%) 0.00 81
    2021-01-01 $254,000 (-4.4%) $297,727 (-6.1%) 0.00 74
    2021-02-01 $262,400 (-5.4%) $317,250 (-1.2%) 0.00 68
    2021-03-01 $272,450 (-4.9%) $339,717 (2.7%) 0.00 72
    2021-04-01 $276,925 (-3.0%) $360,091 (7.3%) 0.00 72
    2021-05-01 $274,950 (1.9%) $360,202 (14.2%) 0.00 74
    2021-06-01 $283,450 (-0.1%) $365,772 (4.6%) 0.00 88
    2021-07-01 $308,900 (9.4%) $420,601 (17.7%) 0.00 88
    2021-08-01 $314,925 (16.7%) $422,152 (18.8%) 0.00 86
    2021-09-01 $313,425 (17.2%) $424,635 (21.4%) 0.00 86
    2021-10-01 $315,000 (23.8%) $395,655 (25.2%) 0.00 83
    2021-11-01 $269,900 (6.2%) $367,707 (17.3%) 0.00 73
    2021-12-01 $278,750 (13.6%) $403,220 (36.2%) 0.00 61
    2022-01-01 $299,900 (18.1%) $444,392 (49.3%) 0.00 43
    2022-02-01 $317,500 (21.0%) $453,420 (42.9%) 0.00 40
    2022-03-01 $333,150 (22.3%) $415,755 (22.4%) 0.00 51
    2022-04-01 $347,900 (25.6%) $464,835 (29.1%) 0.00 47
    2022-05-01 $392,175 (42.6%) $466,639 (29.6%) 0.00 64
    2022-06-01 $389,000 (37.2%) $481,074 (31.5%) 0.00 77
    2022-07-01 $359,500 (16.4%) $453,217 (7.8%) 0.00 92
    2022-08-01 $394,450 (25.3%) $469,710 (11.3%) 0.00 91
    2022-09-01 $399,000 (27.3%) $474,482 (11.7%) 0.00 90
    2022-10-01 $379,900 (20.6%) $435,814 (10.2%) 0.00 99
    2022-11-01 $358,225 (32.7%) $411,618 (11.9%) 0.00 108
    2022-12-01 $367,400 (31.8%) $411,078 (2.0%) 0.00 96
    2023-01-01 $369,900 (23.3%) $407,758 (-8.2%) 0.00 79
    2023-02-01 $385,000 (21.3%) $425,340 (-6.2%) 0.00 67
    2023-03-01 $369,900 (11.0%) $421,855 (1.5%) 0.00 67
    2023-04-01 $350,000 (0.6%) $492,905 (6.0%) 0.00 66
    Baraboo's median listing price for 2023-04-01 was $350,000, a difference of $2,100 (0.6%) versus the prior year and $-19,900 versus the prior month.

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

    Baraboo's average listing price for 2023-04-01 was $492,905, a difference of $28,070 (6.0%) versus the prior year and $71,050 versus the prior month.

    For the 2023-04-01 period, Baraboo had 66 MLS listings, a difference of -1 listings (-1%) versus the prior month and 19 listings (40%) 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 1,810 sqft
    2018-02-01 0 days 1,897 sqft
    2018-03-01 0 days 1,899 sqft
    2018-04-01 0 days 1,949 sqft
    2018-05-01 0 days 1,939 sqft
    2018-06-01 0 days 1,954 sqft
    2018-07-01 0 days 1,942 sqft
    2018-08-01 0 days 2,000 sqft
    2018-09-01 0 days 2,000 sqft
    2018-10-01 0 days 1,863 sqft
    2018-11-01 0 days 1,776 sqft
    2018-12-01 0 days 1,776 sqft
    2019-01-01 0 days 1,784 sqft
    2019-02-01 0 days 1,776 sqft
    2019-03-01 0 days 1,760 sqft
    2019-04-01 0 days 1,778 sqft
    2019-05-01 0 days 1,850 sqft
    2019-06-01 0 days 1,828 sqft
    2019-07-01 0 days 1,832 sqft
    2019-08-01 0 days 1,854 sqft
    2019-09-01 0 days 1,875 sqft
    2019-10-01 0 days 1,845 sqft
    2019-11-01 0 days 1,774 sqft
    2019-12-01 0 days 1,783 sqft
    2020-01-01 0 days 1,800 sqft
    2020-02-01 0 days 1,792 sqft
    2020-03-01 0 days 1,863 sqft
    2020-04-01 0 days 1,900 sqft
    2020-05-01 0 days 1,800 sqft
    2020-06-01 0 days 1,808 sqft
    2020-07-01 0 days 1,850 sqft
    2020-08-01 0 days 1,800 sqft
    2020-09-01 0 days 1,781 sqft
    2020-10-01 0 days 1,732 sqft
    2020-11-01 0 days 1,692 sqft
    2020-12-01 0 days 1,648 sqft
    2021-01-01 0 days 1,624 sqft
    2021-02-01 0 days 1,613 sqft
    2021-03-01 0 days 1,688 sqft
    2021-04-01 0 days 1,672 sqft
    2021-05-01 0 days 1,645 sqft
    2021-06-01 0 days 1,759 sqft
    2021-07-01 0 days 1,859 sqft
    2021-08-01 0 days 1,967 sqft
    2021-09-01 0 days 1,950 sqft
    2021-10-01 0 days 1,909 sqft
    2021-11-01 0 days 1,776 sqft
    2021-12-01 0 days 1,864 sqft
    2022-01-01 0 days 1,866 sqft
    2022-02-01 0 days 1,835 sqft
    2022-03-01 0 days 1,669 sqft
    2022-04-01 0 days 1,723 sqft
    2022-05-01 0 days 1,881 sqft
    2022-06-01 0 days 2,015 sqft
    2022-07-01 0 days 1,801 sqft
    2022-08-01 0 days 1,887 sqft
    2022-09-01 0 days 2,035 sqft
    2022-10-01 0 days 1,832 sqft
    2022-11-01 0 days 1,774 sqft
    2022-12-01 0 days 1,744 sqft
    2023-01-01 0 days 1,681 sqft
    2023-02-01 0 days 1,681 sqft
    2023-03-01 0 days 1,725 sqft
    2023-04-01 0 days 1,747 sqft
    Baraboo's median listing age (time on market) for 2023-04-01 was 0 days.

    Baraboo's median square footage for active listings during the 2023-04-01 period was 1,747 sqft. One year prior, the average listing was 1,723 sqft.