Carbondale USDA Loan Rates, Closing Costs & Stats
CARBONDALE-MARION, IL
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.
Carbondale's 16 lenders originated 50 USDA loans during 2024. The total origination value was $6,130,000, with an average USDA loan value of $122,600.
Carbondale USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Carbondale
averaged
6.43%
for the week of 2025-04-04, compared to the national average (all USDA variants) of
6.324% for the same period.
Carbondale's average USDA mortgage closing costs are $3,827.
The average rate for the prior week (2025-03-28) was
6.8% and
one month ago for the week of 2025-02-28, the
average rate was 6.65%.
The average rate one year ago was 6.8%.
For refis of the same type during the week of 2025-04-04, the average rate
was 6.27%.
Carbondale 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 Carbondale level.
Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
---|---|---|---|
GUILD MORTGAGE COMPANY | 12 | 6.55% | $4,364 |
GERSHMAN INVESTMENT CORP. | 4 | 6.81% | $4,401 |
MEMBER FIRST MORTGAGE, LLC | 4 | 6.34% | $5,193 |
First Mid Bank & Trust | 3 | 5.92% | $3,160 |
Community Mortgage Banc Corporation | 3 | 6.54% | $3,985 |
Flagstar Bank, FSB | 3 | 6.33% | $3,836 |
Peoples National Bank , N.A. | 3 | 6.08% | $4,990 |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 3 | 6.58% | $7,687 |
FLAT BRANCH MORTGAGE, INC. | 2 | 6.94% | $4,377 |
Equity Prime Mortgage LLC | 2 | 6.25% | $5,196 |
First State Bank of St. Charles, Missouri | 1 | 5.75% | $4,196 |
LEADERONE FINANCIAL CORPORATION | 1 | 7.00% | $4,981 |
DELMAR FINANCIAL COMPANY | 1 | 6.25% | $5,609 |
DAS Acquisition Company, LLC | 1 | 6.75% | $5,318 |
TOWNE MORTGAGE COMPANY | 1 | 5.25% | $3,956 |
U.S. Bank | 1 | 6.75% | $3,762 |
The top Carbondale USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
12 USDA loans originated. Their average total fees are
$4,364, which is $37
lower than the next largest lender,
GERSHMAN INVESTMENT CORP..
The lowest fee Carbondale USDA lenders (with over 10 loans originated) are
GUILD MORTGAGE COMPANY ($4,364), .
The lowest rate Carbondale USDA lenders (with over 10 loans originated) are
GUILD MORTGAGE COMPANY (6.55%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Carbondale (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $109,975 (10.0%) | $151,270 (2.6%) | 0.00 | 317 |
2018-02-01 | $109,450 (0.5%) | $150,672 (1.0%) | 0.00 | 323 |
2018-03-01 | $112,000 (12.1%) | $149,767 (-1.1%) | 0.00 | 354 |
2018-04-01 | $112,950 (4.6%) | $153,440 (-2.3%) | 0.00 | 362 |
2018-05-01 | $110,000 (7.4%) | $152,395 (-0.6%) | 0.00 | 349 |
2018-06-01 | $109,900 (7.3%) | $149,636 (-1.5%) | 0.00 | 360 |
2018-07-01 | $109,900 (4.7%) | $150,766 (-3.9%) | 0.00 | 350 |
2018-08-01 | $109,450 (0.5%) | $149,635 (-1.7%) | 0.00 | 356 |
2018-09-01 | $108,000 (-0.9%) | $149,221 (-0.5%) | 0.00 | 361 |
2018-10-01 | $104,975 (-4.1%) | $145,915 (-3.3%) | 0.00 | 355 |
2018-11-01 | $99,999 (-9.0%) | $143,332 (-6.0%) | 0.00 | 351 |
2018-12-01 | $99,900 (-9.1%) | $144,418 (-5.0%) | 0.00 | 342 |
2019-01-01 | $99,450 (-9.6%) | $143,337 (-5.2%) | 0.00 | 327 |
2019-02-01 | $99,975 (-8.7%) | $148,847 (-1.2%) | 0.00 | 308 |
2019-03-01 | $102,957 (-8.1%) | $150,538 (0.5%) | 0.00 | 312 |
2019-04-01 | $99,450 (-12.0%) | $148,447 (-3.3%) | 0.00 | 326 |
2019-05-01 | $98,750 (-10.2%) | $146,898 (-3.6%) | 0.00 | 333 |
2019-06-01 | $96,900 (-11.8%) | $146,263 (-2.3%) | 0.00 | 340 |
2019-07-01 | $97,625 (-11.2%) | $145,107 (-3.8%) | 0.00 | 333 |
2019-08-01 | $96,245 (-12.1%) | $142,917 (-4.5%) | 0.00 | 329 |
2019-09-01 | $95,489 (-11.6%) | $141,459 (-5.2%) | 0.00 | 332 |
2019-10-01 | $94,924 (-9.6%) | $140,487 (-3.7%) | 0.00 | 334 |
2019-11-01 | $95,250 (-4.8%) | $139,841 (-2.4%) | 0.00 | 321 |
2019-12-01 | $89,950 (-10.0%) | $134,307 (-7.0%) | 0.00 | 304 |
2020-01-01 | $89,999 (-9.5%) | $137,023 (-4.4%) | 0.00 | 289 |
2020-02-01 | $94,000 (-6.0%) | $132,622 (-10.9%) | 0.00 | 297 |
2020-03-01 | $95,749 (-7.0%) | $137,152 (-8.9%) | 0.00 | 306 |
2020-04-01 | $94,874 (-4.6%) | $135,747 (-8.6%) | 0.00 | 304 |
2020-05-01 | $99,000 (0.3%) | $138,610 (-5.6%) | 0.00 | 291 |
2020-06-01 | $94,499 (-2.5%) | $134,297 (-8.2%) | 0.00 | 284 |
2020-07-01 | $95,750 (-1.9%) | $136,284 (-6.1%) | 0.00 | 258 |
2020-08-01 | $93,000 (-3.4%) | $137,900 (-3.5%) | 0.00 | 245 |
2020-09-01 | $94,750 (-0.8%) | $139,071 (-1.7%) | 0.00 | 240 |
2020-10-01 | $98,750 (4.0%) | $139,244 (-0.9%) | 0.00 | 210 |
2020-11-01 | $103,050 (8.2%) | $137,808 (-1.5%) | 0.00 | 198 |
2020-12-01 | $100,425 (11.7%) | $137,741 (2.6%) | 0.00 | 183 |
2021-01-01 | $100,950 (12.2%) | $141,000 (2.9%) | 0.00 | 174 |
2021-02-01 | $106,175 (13.0%) | $150,188 (13.2%) | 0.00 | 143 |
2021-03-01 | $107,400 (12.2%) | $156,674 (14.2%) | 0.00 | 141 |
2021-04-01 | $111,000 (17.0%) | $165,455 (21.9%) | 0.00 | 129 |
2021-05-01 | $99,000 (0.0%) | $151,293 (9.2%) | 0.00 | 126 |
2021-06-01 | $109,950 (16.4%) | $159,375 (18.7%) | 0.00 | 118 |
2021-07-01 | $93,450 (-2.4%) | $146,742 (7.7%) | 0.00 | 122 |
2021-08-01 | $89,225 (-4.1%) | $146,155 (6.0%) | 0.00 | 119 |
2021-09-01 | $91,200 (-3.8%) | $153,562 (10.4%) | 0.00 | 120 |
2021-10-01 | $99,900 (1.2%) | $155,147 (11.4%) | 0.00 | 124 |
2021-11-01 | $77,438 (-24.9%) | $143,363 (4.0%) | 0.00 | 121 |
2021-12-01 | $74,925 (-25.4%) | $138,542 (0.6%) | 0.00 | 126 |
2022-01-01 | $69,000 (-31.7%) | $117,471 (-16.7%) | 0.00 | 138 |
2022-02-01 | $54,725 (-48.5%) | $94,029 (-37.4%) | 0.00 | 181 |
2022-03-01 | $68,225 (-36.5%) | $106,304 (-32.2%) | 0.00 | 95 |
2022-04-01 | $79,900 (-28.0%) | $131,134 (-20.7%) | 0.00 | 88 |
2022-05-01 | $92,625 (-6.4%) | $152,900 (1.1%) | 0.00 | 86 |
2022-06-01 | $106,750 (-2.9%) | $158,650 (-0.5%) | 0.00 | 89 |
2022-07-01 | $100,700 (7.8%) | $157,425 (7.3%) | 0.00 | 109 |
2022-08-01 | $113,000 (26.7%) | $161,280 (10.4%) | 0.00 | 118 |
2022-09-01 | $115,000 (26.1%) | $184,693 (20.3%) | 0.00 | 119 |
2022-10-01 | $109,800 (9.9%) | $178,108 (14.8%) | 0.00 | 122 |
2022-11-01 | $111,981 (44.6%) | $179,749 (25.4%) | 0.00 | 133 |
2022-12-01 | $111,963 (49.4%) | $187,024 (35.0%) | 0.00 | 121 |
2023-01-01 | $114,925 (66.6%) | $187,071 (59.3%) | 0.00 | 117 |
2023-02-01 | $114,950 (110.1%) | $188,309 (100.3%) | 0.00 | 106 |
2023-03-01 | $114,900 (68.4%) | $195,247 (83.7%) | 0.00 | 98 |
2023-04-01 | $110,000 (37.7%) | $187,921 (43.3%) | 0.00 | 104 |
2023-05-01 | $104,725 (13.1%) | $183,280 (19.9%) | 0.00 | 95 |
2023-06-01 | $96,850 (-9.3%) | $184,667 (16.4%) | 0.00 | 94 |
2023-07-01 | $108,000 (7.3%) | $202,225 (28.5%) | 0.00 | 96 |
2023-08-01 | $99,925 (-11.6%) | $189,887 (17.7%) | 0.00 | 100 |
2023-09-01 | $107,000 (-7.0%) | $193,057 (4.5%) | 0.00 | 111 |
2023-10-01 | $108,750 (-1.0%) | $179,220 (0.6%) | 0.00 | 113 |
2023-11-01 | $124,725 (11.4%) | $190,382 (5.9%) | 0.00 | 105 |
2023-12-01 | $110,000 (-1.8%) | $175,290 (-6.3%) | 0.00 | 107 |
2024-01-01 | $99,900 (-13.1%) | $174,766 (-6.6%) | 0.00 | 107 |
2024-02-01 | $91,500 (-20.4%) | $157,684 (-16.3%) | 0.00 | 122 |
2024-03-01 | $95,000 (-17.3%) | $163,884 (-16.1%) | 0.00 | 121 |
2024-04-01 | $93,500 (-15.0%) | $162,084 (-13.8%) | 0.00 | 128 |
2024-05-01 | $85,000 (-18.8%) | $142,850 (-22.1%) | 0.00 | 138 |
2024-06-01 | $95,000 (-1.9%) | $158,115 (-14.4%) | 0.00 | 139 |
2024-07-01 | $103,500 (-4.2%) | $174,489 (-13.7%) | 0.00 | 144 |
2024-08-01 | $109,000 (9.1%) | $199,164 (4.9%) | 0.00 | 147 |
2024-09-01 | $112,500 (5.1%) | $194,515 (0.8%) | 0.00 | 138 |
2024-10-01 | $126,250 (16.1%) | $196,998 (9.9%) | 0.00 | 138 |
2024-11-01 | $126,500 (1.4%) | $190,994 (0.3%) | 0.00 | 135 |
2024-12-01 | $114,850 (4.4%) | $187,949 (7.2%) | 0.00 | 139 |
2025-01-01 | $124,250 (24.4%) | $188,411 (7.8%) | 0.00 | 129 |
2025-02-01 | $130,675 (42.8%) | $193,962 (23.0%) | 0.00 | 116 |
2025-03-01 | $157,450 (65.7%) | $225,657 (37.7%) | 0.00 | 103 |
Carbondale's median listing price comes in at 0% of the national average.
Carbondale's average listing price for 2025-03-01 was $225,657, a difference of $61,773 (37.7%) versus the prior year and $31,695 versus the prior month.
For the 2025-03-01 period, Carbondale had 103 MLS listings, a difference of -13 listings (-11%) versus the prior month and -18 listings (-15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Carbondale (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,636 sqft |
2018-02-01 | 0 days | 1,608 sqft |
2018-03-01 | 0 days | 1,612 sqft |
2018-04-01 | 0 days | 1,653 sqft |
2018-05-01 | 0 days | 1,653 sqft |
2018-06-01 | 0 days | 1,632 sqft |
2018-07-01 | 0 days | 1,625 sqft |
2018-08-01 | 0 days | 1,657 sqft |
2018-09-01 | 0 days | 1,684 sqft |
2018-10-01 | 0 days | 1,617 sqft |
2018-11-01 | 0 days | 1,619 sqft |
2018-12-01 | 0 days | 1,615 sqft |
2019-01-01 | 0 days | 1,595 sqft |
2019-02-01 | 0 days | 1,602 sqft |
2019-03-01 | 0 days | 1,627 sqft |
2019-04-01 | 0 days | 1,641 sqft |
2019-05-01 | 0 days | 1,612 sqft |
2019-06-01 | 0 days | 1,600 sqft |
2019-07-01 | 0 days | 1,602 sqft |
2019-08-01 | 0 days | 1,596 sqft |
2019-09-01 | 0 days | 1,598 sqft |
2019-10-01 | 0 days | 1,600 sqft |
2019-11-01 | 0 days | 1,578 sqft |
2019-12-01 | 0 days | 1,505 sqft |
2020-01-01 | 0 days | 1,521 sqft |
2020-02-01 | 0 days | 1,500 sqft |
2020-03-01 | 0 days | 1,578 sqft |
2020-04-01 | 0 days | 1,528 sqft |
2020-05-01 | 0 days | 1,547 sqft |
2020-06-01 | 0 days | 1,580 sqft |
2020-07-01 | 0 days | 1,590 sqft |
2020-08-01 | 0 days | 1,489 sqft |
2020-09-01 | 0 days | 1,467 sqft |
2020-10-01 | 0 days | 1,468 sqft |
2020-11-01 | 0 days | 1,495 sqft |
2020-12-01 | 0 days | 1,449 sqft |
2021-01-01 | 0 days | 1,450 sqft |
2021-02-01 | 0 days | 1,478 sqft |
2021-03-01 | 0 days | 1,477 sqft |
2021-04-01 | 0 days | 1,474 sqft |
2021-05-01 | 0 days | 1,501 sqft |
2021-06-01 | 0 days | 1,532 sqft |
2021-07-01 | 0 days | 1,450 sqft |
2021-08-01 | 0 days | 1,430 sqft |
2021-09-01 | 0 days | 1,402 sqft |
2021-10-01 | 0 days | 1,411 sqft |
2021-11-01 | 0 days | 1,245 sqft |
2021-12-01 | 0 days | 1,231 sqft |
2022-01-01 | 0 days | 1,208 sqft |
2022-02-01 | 0 days | 1,152 sqft |
2022-03-01 | 0 days | 1,206 sqft |
2022-04-01 | 0 days | 1,325 sqft |
2022-05-01 | 0 days | 1,317 sqft |
2022-06-01 | 0 days | 1,415 sqft |
2022-07-01 | 0 days | 1,530 sqft |
2022-08-01 | 0 days | 1,574 sqft |
2022-09-01 | 0 days | 1,592 sqft |
2022-10-01 | 0 days | 1,600 sqft |
2022-11-01 | 0 days | 1,621 sqft |
2022-12-01 | 0 days | 1,613 sqft |
2023-01-01 | 0 days | 1,616 sqft |
2023-02-01 | 0 days | 1,627 sqft |
2023-03-01 | 0 days | 1,580 sqft |
2023-04-01 | 0 days | 1,605 sqft |
2023-05-01 | 0 days | 1,628 sqft |
2023-06-01 | 0 days | 1,613 sqft |
2023-07-01 | 0 days | 1,633 sqft |
2023-08-01 | 0 days | 1,656 sqft |
2023-09-01 | 0 days | 1,633 sqft |
2023-10-01 | 0 days | 1,559 sqft |
2023-11-01 | 0 days | 1,659 sqft |
2023-12-01 | 0 days | 1,649 sqft |
2024-01-01 | 0 days | 1,616 sqft |
2024-02-01 | 0 days | 1,556 sqft |
2024-03-01 | 0 days | 1,513 sqft |
2024-04-01 | 0 days | 1,482 sqft |
2024-05-01 | 0 days | 1,441 sqft |
2024-06-01 | 0 days | 1,422 sqft |
2024-07-01 | 0 days | 1,545 sqft |
2024-08-01 | 0 days | 1,558 sqft |
2024-09-01 | 0 days | 1,558 sqft |
2024-10-01 | 0 days | 1,566 sqft |
2024-11-01 | 0 days | 1,582 sqft |
2024-12-01 | 0 days | 1,523 sqft |
2025-01-01 | 0 days | 1,524 sqft |
2025-02-01 | 0 days | 1,583 sqft |
2025-03-01 | 0 days | 1,682 sqft |
Carbondale's median square footage for active listings during the 2025-03-01 period was 1,682 sqft. One year prior, the average listing was 1,513 sqft.