Barnstable Town USDA Loan Rates, Closing Costs & Stats

BARNSTABLE TOWN, MA

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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.

    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 6.59% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Barnstable Town's average USDA mortgage closing costs are $6,446.

    The average rate for the prior week (2025-07-04) was 6.8% and one month ago for the week of 2025-06-06, the average rate was 6.59%.

    The average rate one year ago was 7.08%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.73%.

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

    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
    2025-05-01 $899,250 (-9.5%) $1,536,432 (-8.8%) 2.04 1,230
    2025-06-01 $909,500 (-6.4%) $1,609,729 (-2.1%) 2.06 1,279
    Barnstable Town's median listing price for 2025-06-01 was $909,500, a difference of $-62,500 (-6.4%) versus the prior year and $10,250 versus the prior month.

    Barnstable Town's median listing price comes in at 206% of the national average.

    Barnstable Town's average listing price for 2025-06-01 was $1,609,729, a difference of $-34,904 (-2.1%) versus the prior year and $73,297 versus the prior month.

    For the 2025-06-01 period, Barnstable Town had 1,279 MLS listings, a difference of 49 listings (4%) versus the prior month and 295 listings (30%) 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
    2025-05-01 46 days 1,827 sqft
    2025-06-01 55 days 1,850 sqft
    Barnstable Town's median listing age (time on market) for 2025-06-01 was 55 days. This is 25% longer than the same period one year ago.

    Barnstable Town's median square footage for active listings during the 2025-06-01 period was 1,850 sqft. One year prior, the average listing was 1,864 sqft.