Chambersburg USDA Loan Rates, Closing Costs & Stats

CHAMBERSBURG-WAYNESBORO, PA

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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.

    Chambersburg's 29 lenders originated 85 USDA loans during 2023. The total origination value was $17,715,000, with an average USDA loan value of $208,412.

    Chambersburg USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Chambersburg averaged 6.44% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Chambersburg's average USDA mortgage closing costs are $6,115.

    The average rate for the prior week (2025-02-07) was 6.39% and one month ago for the week of 2025-01-10, the average rate was 6.24%.

    The average rate one year ago was 6.33%.

    For refis of the same type during the week of 2025-02-14, the average rate was 7.08%.

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

    Chambersburg 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 Chambersburg level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 12 6.35% $8,174
    UNION HOME MORTGAGE CORP. 12 6.66% $8,640
    Integrity Home Mortgage Corp 10 6.48% $11,109
    Northpointe Bank 6 6.29% $6,369
    CROSSCOUNTRY MORTGAGE, LLC 5 6.30% $7,798
    T2 FINANCIAL LLC 5 6.20% $8,186
    PATRIOT 4 5.75% $6,265
    Farmers and Merchants Trust Company of Chambersburg 3 5.92% $6,943
    FIRST HOME MORTGAGE CORPORATION 3 6.08% $10,167
    HOMESPIRE MORTGAGE CORPORATION 3 6.63% $4,261
    ABSOLUTE HOME MORTGAGE CORPORATION 2 7.13% $6,807
    NVR Mortgage Finance, Inc. 2 5.81% $8,918
    Prosperity Home Mortgage, LLC 1 5.99% $6,876
    Shore United Bank 1 5.63% $11,875
    Sierra Pacific Mortgage Company, Inc. 1 5.50% $16,419
    THRIVE MORTGAGE, LLC 1 5.63% $10,156
    Truist 1 5.50% $11,509
    UNITED WHOLESALE MORTGAGE, LLC 1 5.38% $6,420
    ACNB Bank 1 5.63% $7,981
    BROKER SOLUTIONS, INC. 1 7.25% $7,991
    Carrington Mortgage Services, LLC 1 6.63% $8,169
    ENVOY MORTGAGE, LTD 1 6.00% $12,836
    Keystone Funding, Inc. 1 6.25% $12,355
    MILLENNIUM FINANCIAL GROUP, INC. 1 6.63% $7,539
    Mortgage Research Center, LLC 1 7.25% $2,262
    M&T Bank 1 6.75% $8,687
    NEWREZ LLC 1 6.25% $10,547
    Orrstown Bank 1 6.25% $5,866
    Presidential Bank, FSB 1 6.38% $8,963

    The top Chambersburg USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 12 USDA loans originated. Their average total fees are $8,174, which is $467 lower than the next largest lender, UNION HOME MORTGAGE CORP..

    The lowest fee Chambersburg USDA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY ($8,174), UNION HOME MORTGAGE CORP. ($8,640), Integrity Home Mortgage Corp ($11,109), .

    The lowest rate Chambersburg USDA lenders (with over 10 loans originated) are GUILD MORTGAGE COMPANY (6.35%), Integrity Home Mortgage Corp (6.48%), UNION HOME MORTGAGE CORP. (6.66%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Chambersburg (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 $202,490 (4.0%) $225,797 (4.2%) 0.75 602
    2018-02-01 $199,945 (0.0%) $224,972 (0.9%) 0.73 580
    2018-03-01 $204,900 (2.5%) $230,153 (1.5%) 0.72 604
    2018-04-01 $199,900 (0.0%) $229,332 (0.9%) 0.68 663
    2018-05-01 $204,700 (0.7%) $236,755 (1.8%) 0.68 678
    2018-06-01 $206,990 (0.9%) $239,430 (1.9%) 0.69 690
    2018-07-01 $202,450 (-1.9%) $241,770 (3.2%) 0.68 678
    2018-08-01 $208,723 (-0.1%) $244,751 (2.9%) 0.70 684
    2018-09-01 $213,445 (3.9%) $245,385 (4.5%) 0.72 655
    2018-10-01 $209,923 (1.1%) $240,188 (1.3%) 0.71 653
    2018-11-01 $204,950 (2.5%) $238,730 (4.0%) 0.69 628
    2018-12-01 $202,990 (-0.9%) $243,382 (6.4%) 0.70 587
    2019-01-01 $200,748 (-0.9%) $240,506 (6.5%) 0.69 565
    2019-02-01 $214,900 (7.5%) $240,921 (7.1%) 0.73 552
    2019-03-01 $214,243 (4.6%) $239,964 (4.3%) 0.70 550
    2019-04-01 $219,950 (10.0%) $240,321 (4.8%) 0.70 533
    2019-05-01 $224,900 (9.9%) $242,427 (2.4%) 0.70 546
    2019-06-01 $219,900 (6.2%) $240,919 (0.6%) 0.69 551
    2019-07-01 $219,900 (8.6%) $240,232 (-0.6%) 0.69 533
    2019-08-01 $219,452 (5.1%) $239,133 (-2.3%) 0.69 523
    2019-09-01 $218,630 (2.4%) $238,055 (-3.0%) 0.70 512
    2019-10-01 $218,081 (3.9%) $237,337 (-1.2%) 0.70 509
    2019-11-01 $217,000 (5.9%) $237,647 (-0.5%) 0.71 491
    2019-12-01 $219,400 (8.1%) $241,698 (-0.7%) 0.73 440
    2020-01-01 $222,675 (10.9%) $244,711 (1.8%) 0.74 405
    2020-02-01 $225,000 (4.7%) $249,284 (3.5%) 0.74 396
    2020-03-01 $226,400 (5.7%) $253,221 (5.5%) 0.71 381
    2020-04-01 $229,950 (4.6%) $263,905 (9.8%) 0.72 344
    2020-05-01 $229,900 (2.2%) $263,602 (8.7%) 0.70 356
    2020-06-01 $230,445 (4.8%) $264,959 (10.0%) 0.68 329
    2020-07-01 $239,225 (8.8%) $276,628 (15.2%) 0.69 284
    2020-08-01 $239,900 (9.3%) $283,238 (18.4%) 0.69 234
    2020-09-01 $234,975 (7.5%) $283,788 (19.2%) 0.67 205
    2020-10-01 $224,900 (3.1%) $281,537 (18.6%) 0.64 213
    2020-11-01 $229,900 (5.9%) $274,128 (15.4%) 0.67 199
    2020-12-01 $228,200 (4.0%) $280,435 (16.0%) 0.68 158
    2021-01-01 $245,000 (10.0%) $286,641 (17.1%) 0.73 138
    2021-02-01 $244,900 (8.8%) $284,241 (14.0%) 0.71 131
    2021-03-01 $243,725 (7.7%) $288,703 (14.0%) 0.69 125
    2021-04-01 $241,850 (5.2%) $285,987 (8.4%) 0.65 148
    2021-05-01 $249,550 (8.6%) $296,171 (12.4%) 0.66 146
    2021-06-01 $243,550 (5.7%) $293,014 (10.6%) 0.64 183
    2021-07-01 $247,000 (3.3%) $294,414 (6.4%) 0.65 226
    2021-08-01 $232,450 (-3.1%) $290,887 (2.7%) 0.62 222
    2021-09-01 $234,950 (0.0%) $281,414 (-0.8%) 0.63 230
    2021-10-01 $239,950 (6.7%) $283,784 (0.8%) 0.64 216
    2021-11-01 $241,250 (4.9%) $284,316 (3.7%) 0.64 193
    2021-12-01 $258,745 (13.4%) $290,171 (3.5%) 0.70 178
    2022-01-01 $270,895 (10.6%) $300,962 (5.0%) 0.73 168
    2022-02-01 $269,900 (10.2%) $302,054 (6.3%) 0.70 155
    2022-03-01 $287,375 (17.9%) $313,578 (8.6%) 0.72 143
    2022-04-01 $314,999 (30.3%) $339,107 (18.6%) 0.75 154
    2022-05-01 $317,350 (27.2%) $337,946 (14.1%) 0.73 175
    2022-06-01 $325,000 (33.4%) $344,538 (17.6%) 0.72 187
    2022-07-01 $329,950 (33.6%) $344,415 (17.0%) 0.74 199
    2022-08-01 $303,125 (30.4%) $335,588 (15.4%) 0.70 224
    2022-09-01 $299,450 (27.5%) $332,600 (18.2%) 0.70 233
    2022-10-01 $289,900 (20.8%) $352,303 (24.1%) 0.68 239
    2022-11-01 $293,695 (21.7%) $353,058 (24.2%) 0.71 258
    2022-12-01 $289,900 (12.0%) $352,258 (21.4%) 0.72 228
    2023-01-01 $298,250 (10.1%) $376,553 (25.1%) 0.74 197
    2023-02-01 $310,245 (15.0%) $392,537 (30.0%) 0.75 169
    2023-03-01 $311,495 (8.4%) $400,828 (27.8%) 0.73 153
    2023-04-01 $324,900 (3.1%) $408,313 (20.4%) 0.76 174
    2023-05-01 $302,675 (-4.6%) $395,969 (17.2%) 0.69 176
    2023-06-01 $312,923 (-3.7%) $395,667 (14.8%) 0.70 187
    2023-07-01 $310,990 (-5.8%) $392,409 (13.9%) 0.71 196
    2023-08-01 $325,750 (7.5%) $395,769 (17.9%) 0.75 193
    2023-09-01 $325,000 (8.5%) $394,280 (18.6%) 0.76 207
    2023-10-01 $335,108 (15.6%) $373,087 (5.9%) 0.79 219
    2023-11-01 $317,675 (8.2%) $351,675 (-0.4%) 0.76 229
    2023-12-01 $300,000 (3.5%) $348,178 (-1.2%) 0.73 200
    2024-01-01 $312,500 (4.8%) $352,978 (-6.3%) 0.76 193
    2024-02-01 $318,950 (2.8%) $358,262 (-8.7%) 0.77 180
    2024-03-01 $315,000 (1.1%) $353,718 (-11.8%) 0.74 179
    2024-04-01 $314,968 (-3.1%) $358,373 (-12.2%) 0.74 180
    2024-05-01 $322,498 (6.6%) $366,071 (-7.6%) 0.73 193
    2024-06-01 $325,000 (3.9%) $370,310 (-6.4%) 0.73 220
    2024-07-01 $329,300 (5.9%) $410,239 (4.5%) 0.75 234
    2024-08-01 $339,990 (4.4%) $410,760 (3.8%) 0.79 251
    2024-09-01 $342,588 (5.4%) $395,636 (0.3%) 0.81 280
    2024-10-01 $349,675 (4.4%) $392,555 (5.2%) 0.82 283
    2024-11-01 $342,450 (7.8%) $395,916 (12.6%) 0.82 324
    2024-12-01 $346,913 (15.6%) $394,476 (13.3%) 0.86 313
    2025-01-01 $353,245 (13.0%) $394,757 (11.8%) 0.00 277
    Chambersburg's median listing price for 2025-01-01 was $353,245, a difference of $40,745 (13.0%) versus the prior year and $6,332 versus the prior month.

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

    Chambersburg's average listing price for 2025-01-01 was $394,757, a difference of $41,779 (11.8%) versus the prior year and $281 versus the prior month.

    For the 2025-01-01 period, Chambersburg had 277 MLS listings, a difference of -36 listings (-12%) versus the prior month and 84 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Chambersburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 90 days 1,902 sqft
    2018-02-01 97 days 1,869 sqft
    2018-03-01 67 days 1,850 sqft
    2018-04-01 52 days 1,800 sqft
    2018-05-01 59 days 1,858 sqft
    2018-06-01 64 days 1,958 sqft
    2018-07-01 71 days 1,989 sqft
    2018-08-01 72 days 2,004 sqft
    2018-09-01 73 days 2,064 sqft
    2018-10-01 68 days 2,002 sqft
    2018-11-01 71 days 1,963 sqft
    2018-12-01 81 days 1,928 sqft
    2019-01-01 89 days 1,917 sqft
    2019-02-01 91 days 1,916 sqft
    2019-03-01 74 days 1,920 sqft
    2019-04-01 55 days 1,929 sqft
    2019-05-01 56 days 2,000 sqft
    2019-06-01 59 days 2,000 sqft
    2019-07-01 65 days 1,983 sqft
    2019-08-01 66 days 1,985 sqft
    2019-09-01 66 days 1,985 sqft
    2019-10-01 65 days 1,986 sqft
    2019-11-01 68 days 2,000 sqft
    2019-12-01 78 days 2,032 sqft
    2020-01-01 83 days 2,040 sqft
    2020-02-01 77 days 2,070 sqft
    2020-03-01 56 days 2,026 sqft
    2020-04-01 69 days 2,067 sqft
    2020-05-01 80 days 2,046 sqft
    2020-06-01 64 days 1,979 sqft
    2020-07-01 40 days 1,985 sqft
    2020-08-01 38 days 2,000 sqft
    2020-09-01 36 days 1,972 sqft
    2020-10-01 48 days 1,950 sqft
    2020-11-01 50 days 1,927 sqft
    2020-12-01 56 days 1,865 sqft
    2021-01-01 59 days 1,903 sqft
    2021-02-01 51 days 1,911 sqft
    2021-03-01 44 days 1,969 sqft
    2021-04-01 30 days 1,920 sqft
    2021-05-01 33 days 1,949 sqft
    2021-06-01 38 days 1,841 sqft
    2021-07-01 38 days 1,871 sqft
    2021-08-01 41 days 1,840 sqft
    2021-09-01 41 days 1,759 sqft
    2021-10-01 44 days 1,750 sqft
    2021-11-01 45 days 1,743 sqft
    2021-12-01 52 days 1,759 sqft
    2022-01-01 65 days 1,768 sqft
    2022-02-01 65 days 1,728 sqft
    2022-03-01 51 days 1,776 sqft
    2022-04-01 37 days 1,840 sqft
    2022-05-01 39 days 1,949 sqft
    2022-06-01 42 days 1,912 sqft
    2022-07-01 45 days 1,961 sqft
    2022-08-01 44 days 1,930 sqft
    2022-09-01 48 days 1,969 sqft
    2022-10-01 46 days 1,915 sqft
    2022-11-01 47 days 1,864 sqft
    2022-12-01 54 days 1,824 sqft
    2023-01-01 73 days 1,895 sqft
    2023-02-01 70 days 1,887 sqft
    2023-03-01 44 days 1,903 sqft
    2023-04-01 31 days 1,950 sqft
    2023-05-01 33 days 1,918 sqft
    2023-06-01 40 days 1,925 sqft
    2023-07-01 35 days 1,971 sqft
    2023-08-01 33 days 1,951 sqft
    2023-09-01 37 days 1,942 sqft
    2023-10-01 43 days 1,919 sqft
    2023-11-01 48 days 1,902 sqft
    2023-12-01 56 days 1,900 sqft
    2024-01-01 54 days 1,902 sqft
    2024-02-01 42 days 1,900 sqft
    2024-03-01 33 days 1,900 sqft
    2024-04-01 35 days 1,872 sqft
    2024-05-01 30 days 1,925 sqft
    2024-06-01 34 days 1,953 sqft
    2024-07-01 39 days 1,973 sqft
    2024-08-01 40 days 1,953 sqft
    2024-09-01 39 days 1,974 sqft
    2024-10-01 45 days 2,014 sqft
    2024-11-01 42 days 2,044 sqft
    2024-12-01 48 days 1,994 sqft
    2025-01-01 0 days 2,029 sqft
    Chambersburg's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Chambersburg's median square footage for active listings during the 2025-01-01 period was 2,029 sqft. One year prior, the average listing was 1,902 sqft.