Clarksburg USDA Loan Rates, Closing Costs & Stats

Clarksburg, WV

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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.

    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 5.99% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

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

    The average rate for the prior week (2024-12-06) was 6.13% and one month ago for the week of 2024-11-08, the average rate was 6.34%.

    The average rate one year ago was 6.51%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.3%.

    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.