Clarksburg USDA Loan Rates, Closing Costs & Stats

Clarksburg, WV

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.

Clarksburg's 19 lenders originated 35 USDA loans during 2023. The total origination value was $5,495,000, with an average USDA loan value of $157,000.

Clarksburg USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Clarksburg averaged 5.91% for the week of 2024-12-06, compared to the national average (all USDA variants) of 6.328% for the same period.

Clarksburg's average USDA mortgage closing costs are $4,960.

The average rate for the prior week (2024-11-29) was 6.09% and one month ago for the week of 2024-11-01, the average rate was 6.24%.

The average rate one year ago was 6.75%.

For refis of the same type during the week of 2024-12-06, the average rate was 6.13%.

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

Clarksburg 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 Clarksburg level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
UNITED WHOLESALE MORTGAGE, LLC 6 6.36% $7,643
Truist 3 5.67% $6,228
Sierra Pacific Mortgage Company, Inc. 3 7.46% $8,864
Bank of England 2 6.25% $6,944
The Huntington National Bank 2 6.09% $3,971
MOVEMENT MORTGAGE, LLC 2 7.75% $7,684
Flagstar Bank, FSB 2 6.37% $6,181
Paramount Residential Mortgage Group, Inc. 2 6.25% $5,852
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.25% $9,028
Alcova Mortgage LLC 1 6.75% $3,147
WesBanco 1 5.63% $5,090
BROKER SOLUTIONS, INC. 1 7.25% $11,796
Equity Prime Mortgage LLC 1 6.13% $5,816
First Federal Bank of the Midwest 1 5.13% $6,157
GUARANTEED RATE, INC. 1 7.25% $5,010
LOANDEPOT.COM, LLC 1 6.25% $6,847
MEMBER FIRST MORTGAGE, LLC 1 6.13% $4,476
Mortgage Research Center, LLC 1 7.13% $5,601
SOUTHERN TRUST MORTGAGE, LLC 1 7.00% $5,303

The top Clarksburg USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 6 USDA loans originated. Their average total fees are $7,643, which is $1,415 higher than the next largest lender, Truist.

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

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


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Clarksburg (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 $140,500 (1.0%) $185,574 (2.4%) 0.00 310
2018-02-01 $153,800 (10.3%) $195,089 (8.1%) 0.00 286
2018-03-01 $166,000 (19.4%) $209,043 (16.3%) 0.00 250
2018-04-01 $165,000 (19.1%) $202,299 (10.9%) 0.00 249
2018-05-01 $164,925 (18.9%) $200,503 (9.9%) 0.00 243
2018-06-01 $174,900 (26.9%) $216,042 (18.5%) 0.00 244
2018-07-01 $179,700 (28.5%) $217,556 (18.5%) 0.00 253
2018-08-01 $178,500 (27.6%) $211,270 (18.1%) 0.00 266
2018-09-01 $179,900 (28.8%) $211,987 (18.3%) 0.00 273
2018-10-01 $180,200 (28.8%) $206,943 (13.8%) 0.00 291
2018-11-01 $181,700 (31.4%) $207,203 (14.5%) 0.00 277
2018-12-01 $179,900 (29.9%) $206,059 (13.7%) 0.00 266
2019-01-01 $186,700 (32.9%) $209,473 (12.9%) 0.00 248
2019-02-01 $192,225 (25.0%) $219,552 (12.5%) 0.00 232
2019-03-01 $176,786 (6.5%) $208,665 (-0.2%) 0.00 235
2019-04-01 $162,061 (-1.8%) $198,281 (-2.0%) 0.00 241
2019-05-01 $168,750 (2.3%) $201,562 (0.5%) 0.00 252
2019-06-01 $174,000 (-0.5%) $210,788 (-2.4%) 0.00 244
2019-07-01 $178,250 (-0.8%) $218,472 (0.4%) 0.00 260
2019-08-01 $171,182 (-4.1%) $213,898 (1.2%) 0.00 259
2019-09-01 $163,205 (-9.3%) $209,095 (-1.4%) 0.00 256
2019-10-01 $157,886 (-12.4%) $206,141 (-0.4%) 0.00 254
2019-11-01 $159,000 (-12.5%) $213,082 (2.8%) 0.00 239
2019-12-01 $133,950 (-25.5%) $203,683 (-1.2%) 0.00 212
2020-01-01 $129,900 (-30.4%) $193,431 (-7.7%) 0.00 197
2020-02-01 $135,000 (-29.8%) $196,791 (-10.4%) 0.00 192
2020-03-01 $155,875 (-11.8%) $198,396 (-4.9%) 0.00 191
2020-04-01 $154,950 (-4.4%) $197,924 (-0.2%) 0.00 191
2020-05-01 $157,450 (-6.7%) $201,891 (0.2%) 0.00 190
2020-06-01 $130,950 (-24.7%) $197,425 (-6.3%) 0.00 179
2020-07-01 $143,750 (-19.4%) $194,629 (-10.9%) 0.00 169
2020-08-01 $156,450 (-8.6%) $198,555 (-7.2%) 0.00 168
2020-09-01 $149,900 (-8.2%) $189,855 (-9.2%) 0.00 185
2020-10-01 $143,500 (-9.1%) $188,283 (-8.7%) 0.00 188
2020-11-01 $136,625 (-14.1%) $181,722 (-14.7%) 0.00 191
2020-12-01 $138,450 (3.4%) $175,956 (-13.6%) 0.00 169
2021-01-01 $129,900 (0.0%) $171,232 (-11.5%) 0.00 140
2021-02-01 $136,200 (0.9%) $175,130 (-11.0%) 0.00 124
2021-03-01 $133,225 (-14.5%) $177,243 (-10.7%) 0.00 116
2021-04-01 $129,975 (-16.1%) $175,866 (-11.1%) 0.00 106
2021-05-01 $145,450 (-7.6%) $179,821 (-10.9%) 0.00 94
2021-06-01 $152,425 (16.4%) $201,367 (2.0%) 0.00 120
2021-07-01 $155,000 (7.8%) $211,767 (8.8%) 0.00 140
2021-08-01 $164,950 (5.4%) $219,874 (10.7%) 0.00 142
2021-09-01 $167,000 (11.4%) $220,728 (16.3%) 0.00 142
2021-10-01 $162,450 (13.2%) $218,143 (15.9%) 0.00 158
2021-11-01 $166,000 (21.5%) $222,589 (22.5%) 0.00 149
2021-12-01 $166,225 (20.1%) $226,295 (28.6%) 0.00 133
2022-01-01 $175,000 (34.7%) $226,699 (32.4%) 0.00 106
2022-02-01 $175,000 (28.5%) $233,371 (33.3%) 0.00 99
2022-03-01 $171,900 (29.0%) $216,168 (22.0%) 0.00 91
2022-04-01 $184,000 (41.6%) $223,924 (27.3%) 0.00 101
2022-05-01 $186,750 (28.4%) $239,428 (33.2%) 0.00 117
2022-06-01 $193,200 (26.8%) $239,934 (19.2%) 0.00 130
2022-07-01 $182,500 (17.7%) $230,957 (9.1%) 0.00 127
2022-08-01 $186,200 (12.9%) $234,322 (6.6%) 0.00 121
2022-09-01 $199,750 (19.6%) $236,602 (7.2%) 0.00 129
2022-10-01 $196,500 (21.0%) $232,375 (6.5%) 0.00 135
2022-11-01 $203,250 (22.4%) $226,611 (1.8%) 0.00 139
2022-12-01 $207,000 (24.5%) $252,508 (11.6%) 0.00 119
2023-01-01 $192,250 (9.9%) $242,520 (7.0%) 0.00 107
2023-02-01 $197,250 (12.7%) $248,979 (6.7%) 0.00 105
2023-03-01 $189,750 (10.4%) $246,037 (13.8%) 0.00 107
2023-04-01 $158,750 (-13.7%) $226,917 (1.3%) 0.00 123
2023-05-01 $172,225 (-7.8%) $231,289 (-3.4%) 0.00 127
2023-06-01 $209,500 (8.4%) $239,377 (-0.2%) 0.00 129
2023-07-01 $204,250 (11.9%) $251,260 (8.8%) 0.00 111
2023-08-01 $207,500 (11.4%) $307,448 (31.2%) 0.00 122
2023-09-01 $198,800 (-0.5%) $283,196 (19.7%) 0.00 144
2023-10-01 $176,425 (-10.2%) $264,748 (13.9%) 0.00 148
2023-11-01 $184,850 (-9.1%) $265,949 (17.4%) 0.00 157
2023-12-01 $172,250 (-16.8%) $247,036 (-2.2%) 0.00 161
2024-01-01 $172,225 (-10.4%) $242,243 (-0.1%) 0.00 148
2024-02-01 $185,325 (-6.1%) $243,103 (-2.4%) 0.00 132
2024-03-01 $194,950 (2.7%) $258,101 (4.9%) 0.00 134
2024-04-01 $201,725 (27.1%) $256,684 (13.1%) 0.00 126
2024-05-01 $192,000 (11.5%) $249,801 (8.0%) 0.00 128
2024-06-01 $199,900 (-4.6%) $248,137 (3.7%) 0.00 130
2024-07-01 $205,749 (0.7%) $245,840 (-2.2%) 0.00 127
2024-08-01 $194,900 (-6.1%) $230,903 (-24.9%) 0.00 139
2024-09-01 $175,000 (-12.0%) $241,644 (-14.7%) 0.00 137
2024-10-01 $199,300 (13.0%) $252,644 (-4.6%) 0.00 131
2024-11-01 $200,000 (8.2%) $232,384 (-12.6%) 0.00 132
Clarksburg's median listing price for 2024-11-01 was $200,000, a difference of $15,150 (8.2%) versus the prior year and $700 versus the prior month.

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

Clarksburg's average listing price for 2024-11-01 was $232,384, a difference of $-33,565 (-12.6%) versus the prior year and $-20,260 versus the prior month.

For the 2024-11-01 period, Clarksburg had 132 MLS listings, a difference of 1 listings (1%) versus the prior month and -25 listings (-16%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Clarksburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,728 sqft
2018-02-01 0 days 1,776 sqft
2018-03-01 0 days 1,800 sqft
2018-04-01 0 days 1,800 sqft
2018-05-01 0 days 1,800 sqft
2018-06-01 0 days 1,904 sqft
2018-07-01 0 days 1,896 sqft
2018-08-01 0 days 1,837 sqft
2018-09-01 0 days 1,865 sqft
2018-10-01 0 days 1,800 sqft
2018-11-01 0 days 1,800 sqft
2018-12-01 0 days 1,792 sqft
2019-01-01 0 days 1,798 sqft
2019-02-01 0 days 1,832 sqft
2019-03-01 0 days 1,778 sqft
2019-04-01 0 days 1,734 sqft
2019-05-01 0 days 1,799 sqft
2019-06-01 0 days 1,863 sqft
2019-07-01 0 days 1,910 sqft
2019-08-01 0 days 1,860 sqft
2019-09-01 0 days 1,784 sqft
2019-10-01 0 days 1,754 sqft
2019-11-01 0 days 1,781 sqft
2019-12-01 0 days 1,700 sqft
2020-01-01 0 days 1,619 sqft
2020-02-01 0 days 1,672 sqft
2020-03-01 0 days 1,680 sqft
2020-04-01 0 days 1,734 sqft
2020-05-01 0 days 1,728 sqft
2020-06-01 0 days 1,738 sqft
2020-07-01 0 days 1,680 sqft
2020-08-01 0 days 1,686 sqft
2020-09-01 0 days 1,628 sqft
2020-10-01 0 days 1,600 sqft
2020-11-01 0 days 1,559 sqft
2020-12-01 0 days 1,580 sqft
2021-01-01 0 days 1,533 sqft
2021-02-01 0 days 1,511 sqft
2021-03-01 0 days 1,474 sqft
2021-04-01 0 days 1,512 sqft
2021-05-01 0 days 1,412 sqft
2021-06-01 0 days 1,504 sqft
2021-07-01 0 days 1,579 sqft
2021-08-01 0 days 1,681 sqft
2021-09-01 0 days 1,685 sqft
2021-10-01 0 days 1,629 sqft
2021-11-01 0 days 1,629 sqft
2021-12-01 0 days 1,605 sqft
2022-01-01 0 days 1,630 sqft
2022-02-01 0 days 1,663 sqft
2022-03-01 0 days 1,756 sqft
2022-04-01 0 days 1,623 sqft
2022-05-01 0 days 1,648 sqft
2022-06-01 0 days 1,712 sqft
2022-07-01 0 days 1,697 sqft
2022-08-01 0 days 1,748 sqft
2022-09-01 0 days 1,678 sqft
2022-10-01 0 days 1,680 sqft
2022-11-01 0 days 1,673 sqft
2022-12-01 0 days 1,752 sqft
2023-01-01 0 days 1,749 sqft
2023-02-01 0 days 1,796 sqft
2023-03-01 0 days 1,774 sqft
2023-04-01 0 days 1,616 sqft
2023-05-01 0 days 1,748 sqft
2023-06-01 0 days 1,741 sqft
2023-07-01 0 days 1,686 sqft
2023-08-01 0 days 1,724 sqft
2023-09-01 0 days 1,716 sqft
2023-10-01 0 days 1,660 sqft
2023-11-01 0 days 1,646 sqft
2023-12-01 0 days 1,606 sqft
2024-01-01 0 days 1,608 sqft
2024-02-01 0 days 1,640 sqft
2024-03-01 0 days 1,653 sqft
2024-04-01 0 days 1,637 sqft
2024-05-01 0 days 1,577 sqft
2024-06-01 0 days 1,636 sqft
2024-07-01 0 days 1,579 sqft
2024-08-01 0 days 1,668 sqft
2024-09-01 0 days 1,655 sqft
2024-10-01 0 days 1,703 sqft
2024-11-01 0 days 1,661 sqft
Clarksburg's median listing age (time on market) for 2024-11-01 was 0 days.

Clarksburg's median square footage for active listings during the 2024-11-01 period was 1,661 sqft. One year prior, the average listing was 1,646 sqft.