Campbellsville USDA Loan Rates, Closing Costs & Stats

Campbellsville, 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.

    Campbellsville's 9 lenders originated 30 USDA loans during 2024. The total origination value was $4,770,000, with an average USDA loan value of $159,000.

    Campbellsville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Campbellsville averaged 6.48% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Campbellsville's average USDA mortgage closing costs are $4,498.

    The average rate for the prior week (2025-03-28) was 6.44% and one month ago for the week of 2025-02-28, the average rate was 6.49%.

    The average rate one year ago was 6.64%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.12%.

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

    Campbellsville 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 Campbellsville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    STOCKTON MORTGAGE CORPORATION 15 6.59% $6,347
    GoPrime Mortgage, Inc. 5 6.47% $3,659
    RUOFF MORTGAGE COMPANY, INC. 3 6.54% $3,567
    Magnolia Bank 2 6.69% $6,851
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 1 7.13% $7,591
    UNITED WHOLESALE MORTGAGE, LLC 1 6.25% $5,335
    Mortgage Research Center, LLC 1 6.63% $1,853
    PLAZA HOME MORTGAGE, INC. 1 6.13% $5,243
    UNION HOME MORTGAGE CORP. 1 6.88% $5,697

    The top Campbellsville USDA lender as defined by loan originations is STOCKTON MORTGAGE CORPORATION, with 15 USDA loans originated. Their average total fees are $6,347, which is $2,688 higher than the next largest lender, GoPrime Mortgage, Inc..

    The lowest fee Campbellsville USDA lenders (with over 10 loans originated) are STOCKTON MORTGAGE CORPORATION ($6,347), .

    The lowest rate Campbellsville USDA lenders (with over 10 loans originated) are STOCKTON MORTGAGE CORPORATION (6.59%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Campbellsville (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 $149,900 (-5.7%) $156,198 (-13.7%) 0.00 101
    2018-02-01 $153,650 (-1.4%) $160,307 (-8.1%) 0.00 95
    2018-03-01 $159,900 (3.9%) $164,240 (-3.3%) 0.00 88
    2018-04-01 $157,175 (-0.1%) $157,264 (-15.5%) 0.00 94
    2018-05-01 $159,450 (7.1%) $161,699 (-10.9%) 0.00 95
    2018-06-01 $154,950 (4.1%) $154,996 (-11.2%) 0.00 95
    2018-07-01 $158,000 (-3.0%) $158,286 (-10.1%) 0.00 101
    2018-08-01 $149,975 (0.0%) $153,140 (-11.2%) 0.00 99
    2018-09-01 $149,900 (-11.8%) $147,680 (-15.8%) 0.00 119
    2018-10-01 $139,900 (-6.7%) $146,628 (-6.0%) 0.00 123
    2018-11-01 $147,050 (-1.9%) $146,659 (-4.3%) 0.00 119
    2018-12-01 $134,900 (-9.9%) $144,716 (-7.8%) 0.00 117
    2019-01-01 $137,500 (-8.3%) $151,701 (-2.9%) 0.00 101
    2019-02-01 $138,700 (-9.7%) $151,516 (-5.5%) 0.00 99
    2019-03-01 $133,193 (-16.7%) $149,174 (-9.2%) 0.00 99
    2019-04-01 $128,168 (-18.5%) $152,071 (-3.3%) 0.00 100
    2019-05-01 $142,400 (-10.7%) $165,032 (2.1%) 0.00 91
    2019-06-01 $138,950 (-10.3%) $164,649 (6.2%) 0.00 90
    2019-07-01 $139,925 (-11.4%) $172,861 (9.2%) 0.00 89
    2019-08-01 $143,291 (-4.5%) $179,122 (17.0%) 0.00 92
    2019-09-01 $140,877 (-6.0%) $176,408 (19.5%) 0.00 99
    2019-10-01 $139,493 (-0.3%) $174,627 (19.1%) 0.00 104
    2019-11-01 $133,950 (-8.9%) $172,143 (17.4%) 0.00 100
    2019-12-01 $124,800 (-7.5%) $162,526 (12.3%) 0.00 100
    2020-01-01 $123,375 (-10.3%) $163,733 (7.9%) 0.00 99
    2020-02-01 $136,250 (-1.8%) $172,750 (14.0%) 0.00 86
    2020-03-01 $138,850 (4.3%) $180,433 (21.0%) 0.00 76
    2020-04-01 $135,000 (5.3%) $185,300 (21.9%) 0.00 68
    2020-05-01 $143,500 (0.8%) $187,122 (13.4%) 0.00 67
    2020-06-01 $142,600 (2.6%) $188,578 (14.5%) 0.00 65
    2020-07-01 $142,750 (2.0%) $197,431 (14.2%) 0.00 56
    2020-08-01 $148,800 (3.8%) $214,984 (20.0%) 0.00 54
    2020-09-01 $181,950 (29.2%) $237,488 (34.6%) 0.00 50
    2020-10-01 $179,900 (29.0%) $230,834 (32.2%) 0.00 55
    2020-11-01 $161,700 (20.7%) $228,061 (32.5%) 0.00 57
    2020-12-01 $174,900 (40.1%) $236,936 (45.8%) 0.00 44
    2021-01-01 $171,200 (38.8%) $227,717 (39.1%) 0.00 48
    2021-02-01 $167,350 (22.8%) $228,141 (32.1%) 0.00 43
    2021-03-01 $176,150 (26.9%) $224,603 (24.5%) 0.00 47
    2021-04-01 $172,750 (28.0%) $210,254 (13.5%) 0.00 46
    2021-05-01 $189,500 (32.1%) $276,360 (47.7%) 0.00 32
    2021-06-01 $201,375 (41.2%) $290,330 (54.0%) 0.00 34
    2021-07-01 $229,000 (60.4%) $281,621 (42.6%) 0.00 43
    2021-08-01 $246,450 (65.6%) $282,066 (31.2%) 0.00 51
    2021-09-01 $244,864 (34.6%) $273,843 (15.3%) 0.00 70
    2021-10-01 $234,839 (30.5%) $274,045 (18.7%) 0.00 67
    2021-11-01 $223,475 (38.2%) $292,019 (28.0%) 0.00 62
    2021-12-01 $224,725 (28.5%) $307,180 (29.7%) 0.00 55
    2022-01-01 $205,450 (20.0%) $276,194 (21.3%) 0.00 59
    2022-02-01 $204,000 (21.9%) $295,052 (29.3%) 0.00 58
    2022-03-01 $223,225 (26.7%) $308,255 (37.2%) 0.00 56
    2022-04-01 $242,450 (40.4%) $319,353 (51.9%) 0.00 61
    2022-05-01 $249,900 (31.9%) $321,978 (16.5%) 0.00 62
    2022-06-01 $247,200 (22.8%) $305,030 (5.1%) 0.00 67
    2022-07-01 $229,000 (0.0%) $307,416 (9.2%) 0.00 74
    2022-08-01 $219,900 (-10.8%) $23,524,874 (8,240.2%) 0.00 89
    2022-09-01 $227,500 (-7.1%) $311,677 (13.8%) 0.00 95
    2022-10-01 $235,000 (0.1%) $304,223 (11.0%) 0.00 97
    2022-11-01 $229,975 (2.9%) $293,548 (0.5%) 0.00 93
    2022-12-01 $226,000 (0.6%) $293,408 (-4.5%) 0.00 91
    2023-01-01 $213,650 (4.0%) $274,252 (-0.7%) 0.00 71
    2023-02-01 $198,225 (-2.8%) $267,546 (-9.3%) 0.00 72
    2023-03-01 $235,900 (5.7%) $299,794 (-2.7%) 0.00 72
    2023-04-01 $242,250 (-0.1%) $321,435 (0.7%) 0.00 72
    2023-05-01 $247,000 (-1.2%) $332,635 (3.3%) 0.00 79
    2023-06-01 $298,425 (20.7%) $341,657 (12.0%) 0.00 82
    2023-07-01 $298,250 (30.2%) $344,036 (11.9%) 0.00 87
    2023-08-01 $293,175 (33.3%) $347,033 (-98.5%) 0.00 85
    2023-09-01 $292,400 (28.5%) $348,795 (11.9%) 0.00 82
    2023-10-01 $296,350 (26.1%) $344,801 (13.3%) 0.00 81
    2023-11-01 $288,450 (25.4%) $332,727 (13.4%) 0.00 86
    2023-12-01 $279,900 (23.9%) $333,853 (13.8%) 0.00 87
    2024-01-01 $293,650 (37.4%) $338,936 (23.6%) 0.00 87
    2024-02-01 $279,000 (40.8%) $325,340 (21.6%) 0.00 80
    2024-03-01 $274,450 (16.3%) $321,670 (7.3%) 0.00 80
    2024-04-01 $264,250 (9.1%) $325,356 (1.2%) 0.00 91
    2024-05-01 $261,300 (5.8%) $318,029 (-4.4%) 0.00 89
    2024-06-01 $269,750 (-9.6%) $337,386 (-1.3%) 0.00 91
    2024-07-01 $279,675 (-6.2%) $354,264 (3.0%) 0.00 94
    2024-08-01 $289,500 (-1.3%) $337,810 (-2.7%) 0.00 99
    2024-09-01 $279,000 (-4.6%) $325,476 (-6.7%) 0.00 117
    2024-10-01 $271,225 (-8.5%) $313,545 (-9.1%) 0.00 120
    2024-11-01 $249,900 (-13.4%) $297,782 (-10.5%) 0.00 139
    2024-12-01 $241,000 (-13.9%) $298,447 (-10.6%) 0.00 140
    2025-01-01 $237,500 (-19.1%) $298,093 (-12.1%) 0.00 132
    2025-02-01 $254,925 (-8.6%) $309,220 (-5.0%) 0.00 126
    2025-03-01 $249,900 (-9.0%) $302,571 (-5.9%) 0.00 138
    Campbellsville's median listing price for 2025-03-01 was $249,900, a difference of $-24,550 (-9.0%) versus the prior year and $-5,025 versus the prior month.

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

    Campbellsville's average listing price for 2025-03-01 was $302,571, a difference of $-19,099 (-5.9%) versus the prior year and $-6,649 versus the prior month.

    For the 2025-03-01 period, Campbellsville had 138 MLS listings, a difference of 12 listings (10%) versus the prior month and 58 listings (73%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Campbellsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,703 sqft
    2018-02-01 0 days 1,787 sqft
    2018-03-01 0 days 1,704 sqft
    2018-04-01 0 days 1,698 sqft
    2018-05-01 0 days 1,678 sqft
    2018-06-01 0 days 1,668 sqft
    2018-07-01 0 days 1,682 sqft
    2018-08-01 0 days 1,661 sqft
    2018-09-01 0 days 1,661 sqft
    2018-10-01 0 days 1,656 sqft
    2018-11-01 0 days 1,496 sqft
    2018-12-01 0 days 1,483 sqft
    2019-01-01 0 days 1,510 sqft
    2019-02-01 0 days 1,583 sqft
    2019-03-01 0 days 1,597 sqft
    2019-04-01 0 days 1,610 sqft
    2019-05-01 0 days 1,553 sqft
    2019-06-01 0 days 1,497 sqft
    2019-07-01 0 days 1,631 sqft
    2019-08-01 0 days 1,693 sqft
    2019-09-01 0 days 1,678 sqft
    2019-10-01 0 days 1,697 sqft
    2019-11-01 0 days 1,712 sqft
    2019-12-01 0 days 1,693 sqft
    2020-01-01 0 days 1,693 sqft
    2020-02-01 0 days 1,736 sqft
    2020-03-01 0 days 1,808 sqft
    2020-04-01 0 days 1,771 sqft
    2020-05-01 0 days 1,851 sqft
    2020-06-01 0 days 1,801 sqft
    2020-07-01 0 days 1,650 sqft
    2020-08-01 0 days 1,680 sqft
    2020-09-01 0 days 1,808 sqft
    2020-10-01 0 days 1,802 sqft
    2020-11-01 0 days 1,741 sqft
    2020-12-01 0 days 1,888 sqft
    2021-01-01 0 days 1,974 sqft
    2021-02-01 0 days 1,923 sqft
    2021-03-01 0 days 1,934 sqft
    2021-04-01 0 days 1,768 sqft
    2021-05-01 0 days 1,667 sqft
    2021-06-01 0 days 1,733 sqft
    2021-07-01 0 days 1,795 sqft
    2021-08-01 0 days 1,933 sqft
    2021-09-01 0 days 1,878 sqft
    2021-10-01 0 days 1,664 sqft
    2021-11-01 0 days 1,577 sqft
    2021-12-01 0 days 1,719 sqft
    2022-01-01 0 days 1,514 sqft
    2022-02-01 0 days 1,468 sqft
    2022-03-01 0 days 1,536 sqft
    2022-04-01 0 days 1,628 sqft
    2022-05-01 0 days 1,784 sqft
    2022-06-01 0 days 1,829 sqft
    2022-07-01 0 days 1,754 sqft
    2022-08-01 0 days 1,775 sqft
    2022-09-01 0 days 1,870 sqft
    2022-10-01 0 days 1,837 sqft
    2022-11-01 0 days 1,841 sqft
    2022-12-01 0 days 1,800 sqft
    2023-01-01 0 days 1,542 sqft
    2023-02-01 0 days 1,586 sqft
    2023-03-01 0 days 1,754 sqft
    2023-04-01 0 days 1,652 sqft
    2023-05-01 0 days 1,933 sqft
    2023-06-01 0 days 1,903 sqft
    2023-07-01 0 days 1,893 sqft
    2023-08-01 0 days 1,778 sqft
    2023-09-01 0 days 1,839 sqft
    2023-10-01 0 days 2,012 sqft
    2023-11-01 0 days 1,889 sqft
    2023-12-01 0 days 1,802 sqft
    2024-01-01 0 days 1,889 sqft
    2024-02-01 0 days 1,802 sqft
    2024-03-01 0 days 1,750 sqft
    2024-04-01 0 days 1,672 sqft
    2024-05-01 0 days 1,527 sqft
    2024-06-01 0 days 1,569 sqft
    2024-07-01 0 days 1,657 sqft
    2024-08-01 0 days 1,692 sqft
    2024-09-01 0 days 1,609 sqft
    2024-10-01 0 days 1,605 sqft
    2024-11-01 0 days 1,568 sqft
    2024-12-01 0 days 1,555 sqft
    2025-01-01 0 days 1,570 sqft
    2025-02-01 0 days 1,580 sqft
    2025-03-01 0 days 1,599 sqft
    Campbellsville's median listing age (time on market) for 2025-03-01 was 0 days.

    Campbellsville's median square footage for active listings during the 2025-03-01 period was 1,599 sqft. One year prior, the average listing was 1,750 sqft.