Bardstown USDA Loan Rates, Closing Costs & Stats

Bardstown, KY

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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.

    Bardstown's 19 lenders originated 45 USDA loans during 2023. The total origination value was $9,015,000, with an average USDA loan value of $200,333.

    Bardstown USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Bardstown averaged 6.09% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Bardstown's average USDA mortgage closing costs are $4,598.

    The average rate for the prior week (2024-12-06) was 6.42% and one month ago for the week of 2024-11-08, the average rate was 6.54%.

    The average rate one year ago was 6.71%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.2%.

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

    Bardstown 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 Bardstown level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Magnolia Bank 7 6.64% $5,787
    UNITED WHOLESALE MORTGAGE, LLC 5 6.35% $7,288
    Citizens Bank 4 7.00% $5,390
    STOCKTON MORTGAGE CORPORATION 4 7.22% $7,093
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.33% $8,423
    Northpointe Bank 3 6.42% $5,972
    Century Mortgage Company DBA Century Lending Company 3 6.42% $7,072
    HOMESIDE FINANCIAL, LLC 2 7.00% $4,224
    INTERLINC MORTGAGE SERVICES, LLC 2 6.75% $7,155
    BROKER SOLUTIONS, INC. 1 7.10% $7,216
    CALIBER HOME LOANS, INC. 1 7.25% $5,685
    FREEDOM MORTGAGE CORPORATION 1 7.25% $5,505
    MID AMERICA MORTGAGE, INC. 1 6.50% $8,307
    FIRST COMMUNITY MORTGAGE, INC. 1 6.88% $9,993
    PLAZA HOME MORTGAGE, INC. 1 6.50% $7,259
    Fifth Third Bank 1 6.75% $5,999
    Stock Yards Bank & Trust Company 1 6.75% $5,051
    UNION HOME MORTGAGE CORP. 1 7.50% $3,890
    German American Bank 1 5.75% $9,024

    The top Bardstown USDA lender as defined by loan originations is Magnolia Bank, with 7 USDA loans originated. Their average total fees are $5,787, which is $1,501 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Bardstown (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 $185,000 (6.4%) $218,108 (0.0%) 0.00 154
    2018-02-01 $183,900 (7.4%) $213,216 (-0.7%) 0.00 156
    2018-03-01 $199,900 (12.7%) $235,839 (6.2%) 0.00 140
    2018-04-01 $199,923 (7.5%) $238,378 (0.5%) 0.00 143
    2018-05-01 $199,900 (5.5%) $242,985 (6.0%) 0.00 142
    2018-06-01 $205,000 (13.9%) $248,361 (7.9%) 0.00 159
    2018-07-01 $216,200 (5.5%) $249,654 (7.9%) 0.00 159
    2018-08-01 $219,900 (10.2%) $254,819 (15.1%) 0.00 165
    2018-09-01 $217,450 (7.4%) $241,761 (8.8%) 0.00 163
    2018-10-01 $194,825 (1.2%) $232,945 (3.1%) 0.00 168
    2018-11-01 $184,950 (-0.9%) $230,306 (0.9%) 0.00 171
    2018-12-01 $179,900 (-3.8%) $224,743 (-0.8%) 0.00 173
    2019-01-01 $182,325 (-1.5%) $223,496 (2.5%) 0.00 180
    2019-02-01 $195,650 (6.4%) $240,171 (12.6%) 0.00 167
    2019-03-01 $204,329 (2.2%) $246,556 (4.5%) 0.00 158
    2019-04-01 $204,829 (2.5%) $248,298 (4.2%) 0.00 154
    2019-05-01 $215,925 (8.0%) $252,700 (4.0%) 0.00 154
    2019-06-01 $214,500 (4.6%) $247,552 (-0.3%) 0.00 172
    2019-07-01 $208,950 (-3.4%) $241,916 (-3.1%) 0.00 171
    2019-08-01 $203,209 (-7.6%) $230,690 (-9.5%) 0.00 173
    2019-09-01 $190,098 (-12.6%) $220,780 (-8.7%) 0.00 173
    2019-10-01 $179,975 (-7.6%) $217,999 (-6.4%) 0.00 176
    2019-11-01 $179,900 (-2.7%) $229,262 (-0.5%) 0.00 178
    2019-12-01 $172,900 (-3.9%) $223,165 (-0.7%) 0.00 167
    2020-01-01 $174,950 (-4.0%) $223,081 (-0.2%) 0.00 151
    2020-02-01 $175,950 (-10.1%) $233,365 (-2.8%) 0.00 126
    2020-03-01 $182,625 (-10.6%) $236,968 (-3.9%) 0.00 130
    2020-04-01 $196,250 (-4.2%) $243,648 (-1.9%) 0.00 121
    2020-05-01 $221,050 (2.4%) $253,062 (0.1%) 0.00 109
    2020-06-01 $235,000 (9.6%) $276,388 (11.7%) 0.00 96
    2020-07-01 $262,175 (25.5%) $292,252 (20.8%) 0.00 79
    2020-08-01 $279,000 (37.3%) $301,157 (30.6%) 0.00 71
    2020-09-01 $267,925 (40.9%) $317,529 (43.8%) 0.00 72
    2020-10-01 $264,225 (46.8%) $308,883 (41.7%) 0.00 80
    2020-11-01 $245,000 (36.2%) $278,864 (21.6%) 0.00 88
    2020-12-01 $244,925 (41.7%) $272,331 (22.0%) 0.00 84
    2021-01-01 $239,000 (36.6%) $264,290 (18.5%) 0.00 75
    2021-02-01 $239,900 (36.4%) $273,775 (17.3%) 0.00 49
    2021-03-01 $235,550 (29.0%) $307,844 (29.9%) 0.00 39
    2021-04-01 $228,200 (16.3%) $377,638 (55.0%) 0.00 36
    2021-05-01 $292,500 (32.3%) $461,132 (82.2%) 0.00 31
    2021-06-01 $270,950 (15.3%) $378,177 (36.8%) 0.00 49
    2021-07-01 $285,000 (8.7%) $374,791 (28.2%) 0.00 63
    2021-08-01 $258,175 (-7.5%) $327,870 (8.9%) 0.00 86
    2021-09-01 $272,400 (1.7%) $345,269 (8.7%) 0.00 87
    2021-10-01 $269,950 (2.2%) $334,001 (8.1%) 0.00 91
    2021-11-01 $272,475 (11.2%) $335,734 (20.4%) 0.00 94
    2021-12-01 $267,475 (9.2%) $341,466 (25.4%) 0.00 83
    2022-01-01 $299,900 (25.5%) $364,973 (38.1%) 0.00 69
    2022-02-01 $289,975 (20.9%) $351,132 (28.3%) 0.00 58
    2022-03-01 $309,838 (31.5%) $364,567 (18.4%) 0.00 54
    2022-04-01 $349,900 (53.3%) $386,651 (2.4%) 0.00 53
    2022-05-01 $299,950 (2.6%) $358,312 (-22.3%) 0.00 83
    2022-06-01 $289,950 (7.0%) $334,909 (-11.4%) 0.00 98
    2022-07-01 $289,950 (1.7%) $317,690 (-15.2%) 0.00 134
    2022-08-01 $287,425 (11.3%) $319,366 (-2.6%) 0.00 152
    2022-09-01 $293,700 (7.8%) $322,986 (-6.5%) 0.00 152
    2022-10-01 $289,000 (7.1%) $316,637 (-5.2%) 0.00 171
    2022-11-01 $284,950 (4.6%) $307,077 (-8.5%) 0.00 169
    2022-12-01 $284,950 (6.5%) $306,204 (-10.3%) 0.00 142
    2023-01-01 $291,200 (-2.9%) $328,656 (-10.0%) 0.00 125
    2023-02-01 $289,938 (0.0%) $326,933 (-6.9%) 0.00 116
    2023-03-01 $289,938 (-6.4%) $321,845 (-11.7%) 0.00 112
    2023-04-01 $285,425 (-18.4%) $325,561 (-15.8%) 0.00 101
    2023-05-01 $289,950 (-3.3%) $351,470 (-1.9%) 0.00 110
    2023-06-01 $289,950 (0.0%) $338,478 (1.1%) 0.00 120
    2023-07-01 $289,950 (0.0%) $336,983 (6.1%) 0.00 98
    2023-08-01 $297,450 (3.5%) $328,319 (2.8%) 0.00 105
    2023-09-01 $314,900 (7.2%) $338,991 (5.0%) 0.00 114
    2023-10-01 $324,963 (12.4%) $345,992 (9.3%) 0.00 126
    2023-11-01 $309,988 (8.8%) $342,425 (11.5%) 0.00 132
    2023-12-01 $305,000 (7.0%) $357,400 (16.7%) 0.00 145
    2024-01-01 $308,675 (6.0%) $362,872 (10.4%) 0.00 132
    2024-02-01 $306,175 (5.6%) $364,932 (11.6%) 0.00 134
    2024-03-01 $314,900 (8.6%) $348,803 (8.4%) 0.00 116
    2024-04-01 $313,675 (9.9%) $350,058 (7.5%) 0.00 119
    2024-05-01 $299,900 (3.4%) $349,085 (-0.7%) 0.00 133
    2024-06-01 $299,900 (3.4%) $342,546 (1.2%) 0.00 131
    2024-07-01 $294,925 (1.7%) $342,022 (1.5%) 0.00 143
    2024-08-01 $299,900 (0.8%) $356,803 (8.7%) 0.00 158
    2024-09-01 $299,900 (-4.8%) $365,932 (8.0%) 0.00 153
    2024-10-01 $299,900 (-7.7%) $365,818 (5.7%) 0.00 149
    2024-11-01 $289,950 (-6.5%) $357,467 (4.4%) 0.00 151
    Bardstown's median listing price for 2024-11-01 was $289,950, a difference of $-20,038 (-6.5%) versus the prior year and $-9,950 versus the prior month.

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

    Bardstown's average listing price for 2024-11-01 was $357,467, a difference of $15,042 (4.4%) versus the prior year and $-8,351 versus the prior month.

    For the 2024-11-01 period, Bardstown had 151 MLS listings, a difference of 2 listings (1%) versus the prior month and 19 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bardstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,767 sqft
    2018-02-01 0 days 1,677 sqft
    2018-03-01 0 days 1,760 sqft
    2018-04-01 0 days 1,787 sqft
    2018-05-01 0 days 1,751 sqft
    2018-06-01 0 days 1,792 sqft
    2018-07-01 0 days 1,927 sqft
    2018-08-01 0 days 1,934 sqft
    2018-09-01 0 days 1,795 sqft
    2018-10-01 0 days 1,689 sqft
    2018-11-01 0 days 1,637 sqft
    2018-12-01 0 days 1,558 sqft
    2019-01-01 0 days 1,550 sqft
    2019-02-01 0 days 1,669 sqft
    2019-03-01 0 days 1,689 sqft
    2019-04-01 0 days 1,683 sqft
    2019-05-01 0 days 1,785 sqft
    2019-06-01 0 days 1,800 sqft
    2019-07-01 0 days 1,797 sqft
    2019-08-01 0 days 1,686 sqft
    2019-09-01 0 days 1,536 sqft
    2019-10-01 0 days 1,442 sqft
    2019-11-01 0 days 1,478 sqft
    2019-12-01 0 days 1,400 sqft
    2020-01-01 0 days 1,400 sqft
    2020-02-01 0 days 1,500 sqft
    2020-03-01 0 days 1,620 sqft
    2020-04-01 0 days 1,651 sqft
    2020-05-01 0 days 1,745 sqft
    2020-06-01 0 days 1,794 sqft
    2020-07-01 0 days 1,864 sqft
    2020-08-01 0 days 1,869 sqft
    2020-09-01 0 days 1,900 sqft
    2020-10-01 0 days 1,748 sqft
    2020-11-01 0 days 1,671 sqft
    2020-12-01 0 days 1,653 sqft
    2021-01-01 0 days 1,659 sqft
    2021-02-01 0 days 1,731 sqft
    2021-03-01 0 days 1,841 sqft
    2021-04-01 0 days 1,825 sqft
    2021-05-01 0 days 2,168 sqft
    2021-06-01 0 days 1,884 sqft
    2021-07-01 0 days 1,805 sqft
    2021-08-01 0 days 1,751 sqft
    2021-09-01 0 days 1,773 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,764 sqft
    2021-12-01 0 days 1,728 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,764 sqft
    2022-03-01 0 days 1,800 sqft
    2022-04-01 0 days 1,762 sqft
    2022-05-01 0 days 1,676 sqft
    2022-06-01 0 days 1,645 sqft
    2022-07-01 0 days 1,500 sqft
    2022-08-01 0 days 1,517 sqft
    2022-09-01 0 days 1,592 sqft
    2022-10-01 0 days 1,524 sqft
    2022-11-01 0 days 1,525 sqft
    2022-12-01 0 days 1,510 sqft
    2023-01-01 0 days 1,541 sqft
    2023-02-01 0 days 1,522 sqft
    2023-03-01 0 days 1,503 sqft
    2023-04-01 0 days 1,503 sqft
    2023-05-01 0 days 1,522 sqft
    2023-06-01 0 days 1,522 sqft
    2023-07-01 0 days 1,524 sqft
    2023-08-01 0 days 1,551 sqft
    2023-09-01 0 days 1,650 sqft
    2023-10-01 0 days 1,652 sqft
    2023-11-01 0 days 1,591 sqft
    2023-12-01 0 days 1,529 sqft
    2024-01-01 0 days 1,529 sqft
    2024-02-01 0 days 1,528 sqft
    2024-03-01 0 days 1,562 sqft
    2024-04-01 0 days 1,561 sqft
    2024-05-01 0 days 1,564 sqft
    2024-06-01 0 days 1,564 sqft
    2024-07-01 0 days 1,534 sqft
    2024-08-01 0 days 1,552 sqft
    2024-09-01 0 days 1,580 sqft
    2024-10-01 0 days 1,574 sqft
    2024-11-01 0 days 1,522 sqft
    Bardstown's median listing age (time on market) for 2024-11-01 was 0 days.

    Bardstown's median square footage for active listings during the 2024-11-01 period was 1,522 sqft. One year prior, the average listing was 1,591 sqft.