Beaver Dam USDA Loan Rates, Closing Costs & Stats

Beaver Dam, 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.

    Beaver Dam's 15 lenders originated 16 USDA loans during 2023. The total origination value was $2,930,000, with an average USDA loan value of $183,125.

    Beaver Dam USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Beaver Dam averaged 6.57% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Beaver Dam's average USDA mortgage closing costs are $4,029.

    The average rate for the prior week (2025-02-07) was 6.33% and one month ago for the week of 2025-01-10, the average rate was 6.67%.

    The average rate one year ago was 6.56%.

    For refis of the same type during the week of 2025-02-14, the average rate was 5.88%.

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

    Beaver Dam 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 Beaver Dam level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    PLANET HOME LENDING, LLC 2 5.94% $4,126
    Bank First, N.A. 1 6.25% $6,148
    CARDINAL FINANCIAL 1 6.75% $7,324
    Century Mortgage Company DBA Century Lending Company 1 6.25% $5,617
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $4,137
    GSF Mortgage Corporation 1 5.88% $4,235
    Horicon Bank 1 7.13% $3,527
    INB 1 7.75% $4,498
    MID AMERICA MORTGAGE, INC. 1 6.38% $2,000
    Mortgage Research Center, LLC 1 6.13% $3,692
    MOVEMENT MORTGAGE, LLC 1 6.00% $7,831
    NEWREZ LLC 1 5.75% $4,198
    Prosperity Home Mortgage, LLC 1 6.13% $5,239
    A + MORTGAGE SERVICES, INC. 1 6.63% $3,841
    UNITED WHOLESALE MORTGAGE, LLC 1 5.13% $7,239

    The top Beaver Dam USDA lender as defined by loan originations is PLANET HOME LENDING, LLC, with 2 USDA loans originated. Their average total fees are $4,126, which is $2,021 lower than the next largest lender, Bank First, N.A..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Beaver Dam (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 $168,600 (12.5%) $225,833 (6.4%) 0.00 231
    2018-02-01 $179,700 (16.1%) $237,024 (12.2%) 0.00 223
    2018-03-01 $185,900 (16.4%) $240,948 (14.8%) 0.00 226
    2018-04-01 $192,450 (8.5%) $250,356 (13.2%) 0.00 228
    2018-05-01 $207,425 (18.0%) $279,286 (25.8%) 0.00 226
    2018-06-01 $219,900 (25.1%) $279,833 (27.3%) 0.00 236
    2018-07-01 $209,900 (19.3%) $282,413 (26.2%) 0.00 281
    2018-08-01 $209,900 (23.9%) $281,828 (28.1%) 0.00 308
    2018-09-01 $199,900 (18.4%) $266,680 (21.2%) 0.00 323
    2018-10-01 $205,000 (28.2%) $271,829 (29.1%) 0.00 322
    2018-11-01 $204,425 (25.5%) $279,382 (28.6%) 0.00 300
    2018-12-01 $199,900 (25.0%) $272,212 (23.2%) 0.00 257
    2019-01-01 $199,900 (18.6%) $279,419 (23.7%) 0.00 231
    2019-02-01 $209,900 (16.8%) $278,302 (17.4%) 0.00 222
    2019-03-01 $220,528 (18.6%) $280,200 (16.3%) 0.00 226
    2019-04-01 $229,950 (19.5%) $297,958 (19.0%) 0.00 232
    2019-05-01 $221,150 (6.6%) $288,379 (3.3%) 0.00 253
    2019-06-01 $235,000 (6.9%) $286,701 (2.5%) 0.00 263
    2019-07-01 $225,900 (7.6%) $286,761 (1.5%) 0.00 277
    2019-08-01 $220,836 (5.2%) $281,198 (-0.2%) 0.00 291
    2019-09-01 $214,741 (7.4%) $274,246 (2.8%) 0.00 299
    2019-10-01 $210,000 (2.4%) $269,611 (-0.8%) 0.00 304
    2019-11-01 $194,900 (-4.7%) $252,891 (-9.5%) 0.00 281
    2019-12-01 $199,850 (0.0%) $253,495 (-6.9%) 0.00 237
    2020-01-01 $199,900 (0.0%) $271,970 (-2.7%) 0.00 206
    2020-02-01 $199,900 (-4.8%) $271,501 (-2.4%) 0.00 203
    2020-03-01 $199,974 (-9.3%) $288,670 (3.0%) 0.00 184
    2020-04-01 $208,700 (-9.2%) $289,400 (-2.9%) 0.00 176
    2020-05-01 $239,000 (8.1%) $302,157 (4.8%) 0.00 179
    2020-06-01 $232,175 (-1.2%) $292,674 (2.1%) 0.00 189
    2020-07-01 $239,900 (6.2%) $296,119 (3.3%) 0.00 193
    2020-08-01 $239,900 (8.6%) $305,400 (8.6%) 0.00 181
    2020-09-01 $242,425 (12.9%) $318,464 (16.1%) 0.00 172
    2020-10-01 $254,900 (21.4%) $329,384 (22.2%) 0.00 162
    2020-11-01 $233,650 (19.9%) $318,518 (26.0%) 0.00 143
    2020-12-01 $212,450 (6.3%) $310,781 (22.6%) 0.00 129
    2021-01-01 $217,450 (8.8%) $308,067 (13.3%) 0.00 118
    2021-02-01 $225,000 (12.6%) $325,644 (19.9%) 0.00 104
    2021-03-01 $224,900 (12.5%) $332,039 (15.0%) 0.00 102
    2021-04-01 $234,900 (12.6%) $340,766 (17.8%) 0.00 109
    2021-05-01 $249,900 (4.6%) $318,351 (5.4%) 0.00 122
    2021-06-01 $237,450 (2.3%) $316,277 (8.1%) 0.00 140
    2021-07-01 $249,900 (4.2%) $325,003 (9.8%) 0.00 144
    2021-08-01 $242,388 (1.0%) $311,442 (2.0%) 0.00 173
    2021-09-01 $244,675 (0.9%) $313,853 (-1.5%) 0.00 170
    2021-10-01 $232,450 (-8.8%) $287,903 (-12.6%) 0.00 167
    2021-11-01 $223,550 (-4.3%) $286,402 (-10.1%) 0.00 147
    2021-12-01 $232,450 (9.4%) $297,017 (-4.4%) 0.00 123
    2022-01-01 $243,400 (11.9%) $303,000 (-1.6%) 0.00 82
    2022-02-01 $289,900 (28.8%) $343,997 (5.6%) 0.00 73
    2022-03-01 $309,900 (37.8%) $349,703 (5.3%) 0.00 76
    2022-04-01 $285,000 (21.3%) $350,999 (3.0%) 0.00 104
    2022-05-01 $274,900 (10.0%) $332,614 (4.5%) 0.00 124
    2022-06-01 $277,450 (16.9%) $364,053 (15.1%) 0.00 135
    2022-07-01 $294,450 (17.8%) $369,266 (13.6%) 0.00 140
    2022-08-01 $301,200 (24.3%) $371,685 (19.3%) 0.00 128
    2022-09-01 $292,950 (19.7%) $367,880 (17.2%) 0.00 126
    2022-10-01 $289,788 (24.7%) $365,512 (27.0%) 0.00 127
    2022-11-01 $284,803 (27.4%) $374,356 (30.7%) 0.00 114
    2022-12-01 $314,900 (35.5%) $394,857 (32.9%) 0.00 90
    2023-01-01 $334,225 (37.3%) $388,067 (28.1%) 0.00 75
    2023-02-01 $345,675 (19.2%) $385,171 (12.0%) 0.00 78
    2023-03-01 $324,700 (4.8%) $379,416 (8.5%) 0.00 74
    2023-04-01 $299,900 (5.2%) $367,561 (4.7%) 0.00 90
    2023-05-01 $322,000 (17.1%) $362,771 (9.1%) 0.00 93
    2023-06-01 $329,225 (18.7%) $384,029 (5.5%) 0.00 112
    2023-07-01 $329,900 (12.0%) $422,797 (14.5%) 0.00 136
    2023-08-01 $338,825 (12.5%) $412,481 (11.0%) 0.00 144
    2023-09-01 $335,000 (14.4%) $409,096 (11.2%) 0.00 140
    2023-10-01 $334,500 (15.4%) $405,926 (11.1%) 0.00 150
    2023-11-01 $324,975 (14.1%) $397,151 (6.1%) 0.00 137
    2023-12-01 $299,900 (-4.8%) $386,540 (-2.1%) 0.00 119
    2024-01-01 $303,700 (-9.1%) $386,983 (-0.3%) 0.00 93
    2024-02-01 $361,150 (4.5%) $405,524 (5.3%) 0.00 86
    2024-03-01 $339,900 (4.7%) $415,541 (9.5%) 0.00 95
    2024-04-01 $339,475 (13.2%) $410,660 (11.7%) 0.00 113
    2024-05-01 $367,000 (14.0%) $426,772 (17.6%) 0.00 134
    2024-06-01 $354,900 (7.8%) $416,933 (8.6%) 0.00 135
    2024-07-01 $354,950 (7.6%) $428,631 (1.4%) 0.00 126
    2024-08-01 $349,900 (3.3%) $434,038 (5.2%) 0.00 152
    2024-09-01 $339,950 (1.5%) $417,502 (2.1%) 0.00 166
    2024-10-01 $334,925 (0.1%) $413,399 (1.8%) 0.00 172
    2024-11-01 $320,000 (-1.5%) $409,202 (3.0%) 0.00 163
    2024-12-01 $320,925 (7.0%) $419,644 (8.6%) 0.00 134
    2025-01-01 $327,425 (7.8%) $460,079 (18.9%) 0.00 111
    Beaver Dam's median listing price for 2025-01-01 was $327,425, a difference of $23,725 (7.8%) versus the prior year and $6,500 versus the prior month.

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

    Beaver Dam's average listing price for 2025-01-01 was $460,079, a difference of $73,096 (18.9%) versus the prior year and $40,435 versus the prior month.

    For the 2025-01-01 period, Beaver Dam had 111 MLS listings, a difference of -23 listings (-17%) versus the prior month and 18 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Beaver Dam (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,609 sqft
    2018-02-01 0 days 1,619 sqft
    2018-03-01 0 days 1,697 sqft
    2018-04-01 0 days 1,655 sqft
    2018-05-01 0 days 1,703 sqft
    2018-06-01 0 days 1,731 sqft
    2018-07-01 0 days 1,727 sqft
    2018-08-01 0 days 1,741 sqft
    2018-09-01 0 days 1,670 sqft
    2018-10-01 0 days 1,689 sqft
    2018-11-01 0 days 1,744 sqft
    2018-12-01 0 days 1,714 sqft
    2019-01-01 0 days 1,674 sqft
    2019-02-01 0 days 1,683 sqft
    2019-03-01 0 days 1,641 sqft
    2019-04-01 0 days 1,674 sqft
    2019-05-01 0 days 1,738 sqft
    2019-06-01 0 days 1,784 sqft
    2019-07-01 0 days 1,742 sqft
    2019-08-01 0 days 1,727 sqft
    2019-09-01 0 days 1,723 sqft
    2019-10-01 0 days 1,720 sqft
    2019-11-01 0 days 1,712 sqft
    2019-12-01 0 days 1,700 sqft
    2020-01-01 0 days 1,686 sqft
    2020-02-01 0 days 1,742 sqft
    2020-03-01 0 days 1,728 sqft
    2020-04-01 0 days 1,703 sqft
    2020-05-01 0 days 1,800 sqft
    2020-06-01 0 days 1,715 sqft
    2020-07-01 0 days 1,810 sqft
    2020-08-01 0 days 1,823 sqft
    2020-09-01 0 days 1,894 sqft
    2020-10-01 0 days 1,912 sqft
    2020-11-01 0 days 1,809 sqft
    2020-12-01 0 days 1,724 sqft
    2021-01-01 0 days 1,675 sqft
    2021-02-01 0 days 1,741 sqft
    2021-03-01 0 days 1,783 sqft
    2021-04-01 0 days 1,780 sqft
    2021-05-01 0 days 1,802 sqft
    2021-06-01 0 days 1,701 sqft
    2021-07-01 0 days 1,775 sqft
    2021-08-01 0 days 1,731 sqft
    2021-09-01 0 days 1,726 sqft
    2021-10-01 0 days 1,699 sqft
    2021-11-01 0 days 1,720 sqft
    2021-12-01 0 days 1,737 sqft
    2022-01-01 0 days 1,636 sqft
    2022-02-01 0 days 1,679 sqft
    2022-03-01 0 days 1,614 sqft
    2022-04-01 0 days 1,720 sqft
    2022-05-01 0 days 1,657 sqft
    2022-06-01 0 days 1,712 sqft
    2022-07-01 0 days 1,770 sqft
    2022-08-01 0 days 1,786 sqft
    2022-09-01 0 days 1,781 sqft
    2022-10-01 0 days 1,698 sqft
    2022-11-01 0 days 1,692 sqft
    2022-12-01 0 days 1,693 sqft
    2023-01-01 0 days 1,688 sqft
    2023-02-01 0 days 1,641 sqft
    2023-03-01 0 days 1,625 sqft
    2023-04-01 0 days 1,672 sqft
    2023-05-01 0 days 1,742 sqft
    2023-06-01 0 days 1,799 sqft
    2023-07-01 0 days 1,728 sqft
    2023-08-01 0 days 1,721 sqft
    2023-09-01 0 days 1,771 sqft
    2023-10-01 0 days 1,785 sqft
    2023-11-01 0 days 1,731 sqft
    2023-12-01 0 days 1,706 sqft
    2024-01-01 0 days 1,708 sqft
    2024-02-01 0 days 1,714 sqft
    2024-03-01 0 days 1,790 sqft
    2024-04-01 0 days 1,770 sqft
    2024-05-01 0 days 1,812 sqft
    2024-06-01 0 days 1,786 sqft
    2024-07-01 0 days 1,793 sqft
    2024-08-01 0 days 1,768 sqft
    2024-09-01 0 days 1,740 sqft
    2024-10-01 0 days 1,723 sqft
    2024-11-01 0 days 1,717 sqft
    2024-12-01 0 days 1,651 sqft
    2025-01-01 0 days 1,702 sqft
    Beaver Dam's median listing age (time on market) for 2025-01-01 was 0 days.

    Beaver Dam's median square footage for active listings during the 2025-01-01 period was 1,702 sqft. One year prior, the average listing was 1,708 sqft.