Barnstable Town USDA Loan Rates, Closing Costs & Stats
BARNSTABLE TOWN, MA
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.
Barnstable Town's 1 lenders originated 1 USDA loans during 2024. The total origination value was $315,000, with an average USDA loan value of $315,000.
Barnstable Town USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Barnstable Town
averaged
6.57%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Barnstable Town's average USDA mortgage closing costs are $6,446.
The average rate for the prior week (2025-05-16) was
7% and
one month ago for the week of 2025-04-18, the
average rate was 6.69%.
The average rate one year ago was 6.86%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.61%.
Barnstable Town 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 Barnstable Town level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Sierra Pacific Mortgage Company, Inc. | 1 | 6.75% | $9,304 |
The lowest fee Barnstable Town USDA lenders (with over 10 loans originated) are
.
The lowest rate Barnstable Town USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Barnstable Town (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 | $599,000 (7.2%) | $1,007,657 (2.5%) | 2.22 | 1,839 |
| 2018-02-01 | $598,975 (3.3%) | $996,429 (-0.7%) | 2.17 | 1,835 |
| 2018-03-01 | $599,000 (1.1%) | $1,029,816 (2.9%) | 2.10 | 1,852 |
| 2018-04-01 | $628,000 (4.8%) | $1,060,061 (6.1%) | 2.13 | 1,978 |
| 2018-05-01 | $625,000 (6.0%) | $1,030,800 (8.6%) | 2.09 | 2,199 |
| 2018-06-01 | $609,900 (3.0%) | $997,094 (5.7%) | 2.03 | 2,378 |
| 2018-07-01 | $599,900 (0.8%) | $988,500 (3.8%) | 2.00 | 2,481 |
| 2018-08-01 | $599,000 (1.7%) | $971,982 (0.7%) | 2.01 | 2,594 |
| 2018-09-01 | $575,000 (-0.9%) | $950,637 (-2.2%) | 1.93 | 2,752 |
| 2018-10-01 | $565,000 (-1.7%) | $936,797 (-1.0%) | 1.91 | 2,812 |
| 2018-11-01 | $577,000 (-1.2%) | $952,531 (0.4%) | 1.96 | 2,652 |
| 2018-12-01 | $585,000 (-2.3%) | $961,093 (-2.7%) | 2.02 | 2,363 |
| 2019-01-01 | $569,450 (-4.9%) | $955,768 (-5.2%) | 1.97 | 2,068 |
| 2019-02-01 | $587,175 (-2.0%) | $970,164 (-2.6%) | 1.98 | 2,109 |
| 2019-03-01 | $596,686 (-0.4%) | $979,804 (-4.9%) | 1.95 | 2,230 |
| 2019-04-01 | $599,000 (-4.6%) | $972,018 (-8.3%) | 1.90 | 2,409 |
| 2019-05-01 | $599,000 (-4.2%) | $973,992 (-5.5%) | 1.87 | 2,535 |
| 2019-06-01 | $599,000 (-1.8%) | $982,143 (-1.5%) | 1.87 | 2,623 |
| 2019-07-01 | $599,900 (0.0%) | $1,010,330 (2.2%) | 1.88 | 2,616 |
| 2019-08-01 | $596,963 (-0.3%) | $999,043 (2.8%) | 1.89 | 2,617 |
| 2019-09-01 | $592,484 (3.0%) | $982,814 (3.4%) | 1.90 | 2,619 |
| 2019-10-01 | $587,000 (3.9%) | $971,995 (3.8%) | 1.89 | 2,604 |
| 2019-11-01 | $575,000 (-0.4%) | $980,164 (2.9%) | 1.89 | 2,376 |
| 2019-12-01 | $575,000 (-1.7%) | $983,280 (2.3%) | 1.92 | 2,091 |
| 2020-01-01 | $579,350 (1.7%) | $1,007,052 (5.4%) | 1.94 | 1,873 |
| 2020-02-01 | $599,900 (2.2%) | $1,060,459 (9.3%) | 1.96 | 1,785 |
| 2020-03-01 | $601,950 (0.9%) | $1,046,236 (6.8%) | 1.89 | 1,933 |
| 2020-04-01 | $602,000 (0.5%) | $1,040,567 (7.1%) | 1.89 | 1,975 |
| 2020-05-01 | $624,000 (4.2%) | $1,055,268 (8.3%) | 1.90 | 1,972 |
| 2020-06-01 | $642,400 (7.3%) | $1,087,840 (10.8%) | 1.89 | 1,737 |
| 2020-07-01 | $644,675 (7.5%) | $1,127,724 (11.6%) | 1.87 | 1,538 |
| 2020-08-01 | $650,000 (8.9%) | $1,167,417 (16.9%) | 1.86 | 1,308 |
| 2020-09-01 | $693,000 (17.0%) | $1,231,651 (25.3%) | 1.99 | 1,205 |
| 2020-10-01 | $661,000 (12.6%) | $1,226,451 (26.2%) | 1.89 | 1,124 |
| 2020-11-01 | $685,000 (19.1%) | $1,268,973 (29.5%) | 2.00 | 996 |
| 2020-12-01 | $699,000 (21.6%) | $1,294,582 (31.7%) | 2.08 | 840 |
| 2021-01-01 | $709,000 (22.4%) | $1,406,116 (39.6%) | 2.12 | 692 |
| 2021-02-01 | $749,475 (24.9%) | $1,429,470 (34.8%) | 2.18 | 583 |
| 2021-03-01 | $709,450 (17.9%) | $1,471,288 (40.6%) | 2.01 | 617 |
| 2021-04-01 | $699,500 (16.2%) | $1,460,962 (40.4%) | 1.89 | 578 |
| 2021-05-01 | $699,900 (12.2%) | $1,417,800 (34.4%) | 1.86 | 645 |
| 2021-06-01 | $725,000 (12.9%) | $1,389,244 (27.7%) | 1.91 | 705 |
| 2021-07-01 | $728,000 (12.9%) | $1,366,010 (21.1%) | 1.92 | 754 |
| 2021-08-01 | $713,225 (9.7%) | $1,304,994 (11.8%) | 1.90 | 783 |
| 2021-09-01 | $699,250 (0.9%) | $1,277,606 (3.7%) | 1.86 | 816 |
| 2021-10-01 | $739,450 (11.9%) | $1,351,143 (10.2%) | 1.97 | 767 |
| 2021-11-01 | $782,450 (14.2%) | $1,474,219 (16.2%) | 2.09 | 618 |
| 2021-12-01 | $825,000 (18.0%) | $1,547,920 (19.6%) | 2.23 | 487 |
| 2022-01-01 | $849,000 (19.8%) | $1,613,059 (14.7%) | 2.30 | 387 |
| 2022-02-01 | $849,500 (13.4%) | $1,735,270 (21.4%) | 2.21 | 360 |
| 2022-03-01 | $849,675 (19.8%) | $1,726,101 (17.3%) | 2.13 | 370 |
| 2022-04-01 | $799,948 (14.4%) | $1,674,882 (14.6%) | 1.91 | 414 |
| 2022-05-01 | $854,500 (22.1%) | $1,614,580 (13.9%) | 1.95 | 527 |
| 2022-06-01 | $848,500 (17.0%) | $1,514,105 (9.0%) | 1.89 | 644 |
| 2022-07-01 | $825,000 (13.3%) | $1,467,633 (7.4%) | 1.86 | 755 |
| 2022-08-01 | $799,900 (12.2%) | $1,489,693 (14.2%) | 1.85 | 783 |
| 2022-09-01 | $797,000 (14.0%) | $1,470,803 (15.1%) | 1.86 | 810 |
| 2022-10-01 | $775,000 (4.8%) | $1,408,098 (4.2%) | 1.82 | 860 |
| 2022-11-01 | $798,000 (2.0%) | $1,432,258 (-2.9%) | 1.92 | 829 |
| 2022-12-01 | $775,000 (-6.1%) | $1,435,233 (-7.3%) | 1.91 | 659 |
| 2023-01-01 | $824,000 (-2.9%) | $1,478,748 (-8.3%) | 2.04 | 535 |
| 2023-02-01 | $874,975 (3.0%) | $1,590,661 (-8.3%) | 2.11 | 505 |
| 2023-03-01 | $872,450 (2.7%) | $1,702,484 (-1.4%) | 2.06 | 507 |
| 2023-04-01 | $895,000 (11.9%) | $1,729,764 (3.3%) | 2.08 | 551 |
| 2023-05-01 | $923,000 (8.0%) | $1,712,909 (6.1%) | 2.09 | 620 |
| 2023-06-01 | $939,500 (10.7%) | $1,722,181 (13.7%) | 2.11 | 677 |
| 2023-07-01 | $949,000 (15.0%) | $1,738,145 (18.4%) | 2.16 | 688 |
| 2023-08-01 | $924,975 (15.6%) | $1,770,882 (18.9%) | 2.12 | 718 |
| 2023-09-01 | $949,000 (19.1%) | $1,670,230 (13.6%) | 2.21 | 761 |
| 2023-10-01 | $897,000 (15.7%) | $1,580,503 (12.2%) | 2.11 | 851 |
| 2023-11-01 | $872,500 (9.3%) | $1,574,014 (9.9%) | 2.08 | 845 |
| 2023-12-01 | $879,000 (13.4%) | $1,634,329 (13.9%) | 2.14 | 704 |
| 2024-01-01 | $929,950 (12.9%) | $1,706,350 (15.4%) | 2.27 | 591 |
| 2024-02-01 | $915,725 (4.7%) | $1,700,646 (6.9%) | 2.20 | 603 |
| 2024-03-01 | $985,000 (12.9%) | $1,762,297 (3.5%) | 2.32 | 641 |
| 2024-04-01 | $997,000 (11.4%) | $1,760,863 (1.8%) | 2.32 | 730 |
| 2024-05-01 | $993,725 (7.7%) | $1,683,978 (-1.7%) | 2.26 | 877 |
| 2024-06-01 | $972,000 (3.5%) | $1,644,633 (-4.5%) | 2.21 | 984 |
| 2024-07-01 | $974,500 (2.7%) | $1,667,809 (-4.1%) | 2.23 | 997 |
| 2024-08-01 | $940,000 (1.6%) | $1,651,242 (-6.8%) | 2.19 | 1,020 |
| 2024-09-01 | $899,950 (-5.2%) | $1,592,457 (-4.7%) | 2.12 | 1,153 |
| 2024-10-01 | $899,000 (0.2%) | $1,623,244 (2.7%) | 2.12 | 1,168 |
| 2024-11-01 | $874,900 (0.3%) | $1,588,963 (1.0%) | 2.10 | 1,095 |
| 2024-12-01 | $867,500 (-1.3%) | $1,596,854 (-2.3%) | 2.16 | 822 |
| 2025-01-01 | $881,697 (-5.2%) | $1,546,892 (-9.3%) | 2.20 | 699 |
| 2025-02-01 | $910,000 (-0.6%) | $1,585,240 (-6.8%) | 2.21 | 735 |
| 2025-03-01 | $925,000 (-6.1%) | $1,579,705 (-10.4%) | 2.18 | 801 |
| 2025-04-01 | $942,175 (-5.5%) | $1,618,673 (-8.1%) | 2.18 | 995 |
Barnstable Town's median listing price comes in at 218% of the national average.
Barnstable Town's average listing price for 2025-04-01 was $1,618,673, a difference of $-142,190 (-8.1%) versus the prior year and $38,968 versus the prior month.
For the 2025-04-01 period, Barnstable Town had 995 MLS listings, a difference of 194 listings (24%) versus the prior month and 265 listings (36%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Barnstable Town (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 108 days | 1,899 sqft |
| 2018-02-01 | 112 days | 1,905 sqft |
| 2018-03-01 | 97 days | 1,907 sqft |
| 2018-04-01 | 66 days | 1,960 sqft |
| 2018-05-01 | 57 days | 1,952 sqft |
| 2018-06-01 | 57 days | 1,900 sqft |
| 2018-07-01 | 65 days | 1,889 sqft |
| 2018-08-01 | 71 days | 1,858 sqft |
| 2018-09-01 | 71 days | 1,848 sqft |
| 2018-10-01 | 71 days | 1,820 sqft |
| 2018-11-01 | 77 days | 1,829 sqft |
| 2018-12-01 | 94 days | 1,808 sqft |
| 2019-01-01 | 108 days | 1,803 sqft |
| 2019-02-01 | 114 days | 1,809 sqft |
| 2019-03-01 | 96 days | 1,834 sqft |
| 2019-04-01 | 70 days | 1,854 sqft |
| 2019-05-01 | 64 days | 1,821 sqft |
| 2019-06-01 | 67 days | 1,824 sqft |
| 2019-07-01 | 75 days | 1,830 sqft |
| 2019-08-01 | 80 days | 1,829 sqft |
| 2019-09-01 | 83 days | 1,818 sqft |
| 2019-10-01 | 84 days | 1,807 sqft |
| 2019-11-01 | 86 days | 1,806 sqft |
| 2019-12-01 | 103 days | 1,804 sqft |
| 2020-01-01 | 110 days | 1,800 sqft |
| 2020-02-01 | 104 days | 1,848 sqft |
| 2020-03-01 | 73 days | 1,852 sqft |
| 2020-04-01 | 79 days | 1,845 sqft |
| 2020-05-01 | 89 days | 1,848 sqft |
| 2020-06-01 | 98 days | 1,878 sqft |
| 2020-07-01 | 83 days | 1,858 sqft |
| 2020-08-01 | 74 days | 1,858 sqft |
| 2020-09-01 | 63 days | 1,838 sqft |
| 2020-10-01 | 58 days | 1,801 sqft |
| 2020-11-01 | 67 days | 1,773 sqft |
| 2020-12-01 | 83 days | 1,812 sqft |
| 2021-01-01 | 91 days | 1,830 sqft |
| 2021-02-01 | 98 days | 1,831 sqft |
| 2021-03-01 | 73 days | 1,820 sqft |
| 2021-04-01 | 48 days | 1,800 sqft |
| 2021-05-01 | 41 days | 1,820 sqft |
| 2021-06-01 | 39 days | 1,815 sqft |
| 2021-07-01 | 45 days | 1,800 sqft |
| 2021-08-01 | 47 days | 1,783 sqft |
| 2021-09-01 | 52 days | 1,769 sqft |
| 2021-10-01 | 57 days | 1,790 sqft |
| 2021-11-01 | 67 days | 1,803 sqft |
| 2021-12-01 | 85 days | 1,856 sqft |
| 2022-01-01 | 88 days | 1,839 sqft |
| 2022-02-01 | 71 days | 1,894 sqft |
| 2022-03-01 | 45 days | 1,888 sqft |
| 2022-04-01 | 36 days | 1,788 sqft |
| 2022-05-01 | 31 days | 1,869 sqft |
| 2022-06-01 | 32 days | 1,884 sqft |
| 2022-07-01 | 38 days | 1,915 sqft |
| 2022-08-01 | 47 days | 1,975 sqft |
| 2022-09-01 | 53 days | 1,932 sqft |
| 2022-10-01 | 49 days | 1,887 sqft |
| 2022-11-01 | 51 days | 1,858 sqft |
| 2022-12-01 | 71 days | 1,830 sqft |
| 2023-01-01 | 80 days | 1,824 sqft |
| 2023-02-01 | 84 days | 1,926 sqft |
| 2023-03-01 | 56 days | 1,894 sqft |
| 2023-04-01 | 46 days | 1,928 sqft |
| 2023-05-01 | 41 days | 1,892 sqft |
| 2023-06-01 | 45 days | 1,905 sqft |
| 2023-07-01 | 52 days | 1,884 sqft |
| 2023-08-01 | 54 days | 1,885 sqft |
| 2023-09-01 | 49 days | 1,892 sqft |
| 2023-10-01 | 49 days | 1,852 sqft |
| 2023-11-01 | 53 days | 1,770 sqft |
| 2023-12-01 | 71 days | 1,825 sqft |
| 2024-01-01 | 82 days | 1,856 sqft |
| 2024-02-01 | 77 days | 1,875 sqft |
| 2024-03-01 | 52 days | 1,920 sqft |
| 2024-04-01 | 44 days | 1,939 sqft |
| 2024-05-01 | 38 days | 1,922 sqft |
| 2024-06-01 | 44 days | 1,864 sqft |
| 2024-07-01 | 56 days | 1,862 sqft |
| 2024-08-01 | 60 days | 1,821 sqft |
| 2024-09-01 | 53 days | 1,831 sqft |
| 2024-10-01 | 53 days | 1,855 sqft |
| 2024-11-01 | 63 days | 1,837 sqft |
| 2024-12-01 | 76 days | 1,818 sqft |
| 2025-01-01 | 87 days | 1,808 sqft |
| 2025-02-01 | 86 days | 1,790 sqft |
| 2025-03-01 | 56 days | 1,837 sqft |
| 2025-04-01 | 44 days | 1,852 sqft |
Barnstable Town's median square footage for active listings during the 2025-04-01 period was 1,852 sqft. One year prior, the average listing was 1,939 sqft.