Clarksville USDA Loan Rates, Closing Costs & Stats
CLARKSVILLE, TN-KY
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.
Clarksville's 21 lenders originated 41 USDA loans during 2024. The total origination value was $8,755,000, with an average USDA loan value of $213,537.
Clarksville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Clarksville
averaged
6.31%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Clarksville's average USDA mortgage closing costs are $4,871.
The average rate for the prior week (2025-05-16) was
6.24% and
one month ago for the week of 2025-04-18, the
average rate was 6.43%.
The average rate one year ago was 6.4%.
For refis of the same type during the week of 2025-05-23, the average rate
was 5.77%.
Clarksville 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 Clarksville level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| STOCKTON MORTGAGE CORPORATION | 11 | 6.52% | $5,623 |
| Mortgage Research Center, LLC | 3 | 6.04% | $3,039 |
| Flagstar Bank, FSB | 2 | 6.75% | $8,309 |
| GERSHMAN INVESTMENT CORP. | 2 | 6.56% | $5,336 |
| GUARANTEED RATE, INC. | 2 | 6.37% | $6,370 |
| UNITED WHOLESALE MORTGAGE, LLC | 2 | 5.87% | $14,403 |
| BROKER SOLUTIONS, INC. | 2 | 6.75% | $6,340 |
| Legends Bank | 2 | 6.25% | $7,050 |
| COMMUNITY MORTGAGE CORPORATION | 2 | 6.38% | $10,212 |
| Nations Lending Corporation | 2 | 7.00% | $3,409 |
| Barrington Bank & Trust Company, N.A. | 1 | 6.63% | $8,237 |
| VAN DYK MORTGAGE CORPORATION | 1 | 6.50% | $2,871 |
| CMG MORTGAGE, INC. | 1 | 6.75% | $11,650 |
| Equity Prime Mortgage LLC | 1 | 6.00% | $20,669 |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | 6.25% | $7,098 |
| LEADERONE FINANCIAL CORPORATION | 1 | 6.62% | $6,836 |
| Legacy Home Loans, LLC | 1 | 6.75% | $9,431 |
| Renasant Bank | 1 | 6.13% | $6,339 |
| SOUTHWEST FUNDING, LP | 1 | 7.75% | $10,333 |
| T2 FINANCIAL LLC | 1 | 6.49% | $8,574 |
| U.S. Bank | 1 | 6.50% | $12,209 |
The top Clarksville USDA lender as defined by loan originations is STOCKTON MORTGAGE CORPORATION, with
11 USDA loans originated. Their average total fees are
$5,623, which is $2,584
higher than the next largest lender,
Mortgage Research Center, LLC.
The lowest fee Clarksville USDA lenders (with over 10 loans originated) are
STOCKTON MORTGAGE CORPORATION ($5,623), .
The lowest rate Clarksville USDA lenders (with over 10 loans originated) are
STOCKTON MORTGAGE CORPORATION (6.52%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Clarksville (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 | $214,650 (24.3%) | $231,160 (14.6%) | 0.80 | 1,351 |
| 2018-02-01 | $218,375 (21.7%) | $234,174 (15.4%) | 0.79 | 1,250 |
| 2018-03-01 | $216,000 (15.1%) | $236,801 (14.6%) | 0.76 | 1,260 |
| 2018-04-01 | $219,425 (15.6%) | $240,047 (14.7%) | 0.74 | 1,290 |
| 2018-05-01 | $221,063 (12.5%) | $240,444 (9.2%) | 0.74 | 1,333 |
| 2018-06-01 | $216,995 (11.9%) | $241,450 (10.2%) | 0.72 | 1,428 |
| 2018-07-01 | $216,963 (9.1%) | $242,157 (8.4%) | 0.72 | 1,485 |
| 2018-08-01 | $219,700 (9.9%) | $243,933 (7.2%) | 0.74 | 1,519 |
| 2018-09-01 | $221,950 (11.4%) | $243,972 (6.3%) | 0.75 | 1,502 |
| 2018-10-01 | $223,450 (12.3%) | $244,075 (6.5%) | 0.76 | 1,496 |
| 2018-11-01 | $227,750 (13.5%) | $247,037 (8.5%) | 0.77 | 1,464 |
| 2018-12-01 | $230,000 (10.3%) | $250,930 (9.7%) | 0.79 | 1,403 |
| 2019-01-01 | $230,450 (7.4%) | $252,376 (9.2%) | 0.80 | 1,315 |
| 2019-02-01 | $238,700 (9.3%) | $258,167 (10.3%) | 0.81 | 1,280 |
| 2019-03-01 | $245,114 (13.5%) | $266,157 (12.4%) | 0.80 | 1,183 |
| 2019-04-01 | $251,139 (14.5%) | $271,578 (13.1%) | 0.80 | 1,136 |
| 2019-05-01 | $252,895 (14.4%) | $269,777 (12.2%) | 0.79 | 1,185 |
| 2019-06-01 | $252,467 (16.4%) | $266,125 (10.2%) | 0.79 | 1,238 |
| 2019-07-01 | $253,410 (16.8%) | $267,760 (10.6%) | 0.79 | 1,250 |
| 2019-08-01 | $251,541 (14.5%) | $265,678 (8.9%) | 0.80 | 1,256 |
| 2019-09-01 | $250,674 (12.9%) | $264,151 (8.3%) | 0.80 | 1,250 |
| 2019-10-01 | $250,096 (11.9%) | $263,355 (7.9%) | 0.81 | 1,241 |
| 2019-11-01 | $249,900 (9.7%) | $262,572 (6.3%) | 0.82 | 1,203 |
| 2019-12-01 | $249,900 (8.7%) | $261,950 (4.4%) | 0.83 | 1,156 |
| 2020-01-01 | $249,900 (8.4%) | $263,283 (4.3%) | 0.84 | 1,110 |
| 2020-02-01 | $249,900 (4.7%) | $267,676 (3.7%) | 0.82 | 1,025 |
| 2020-03-01 | $251,250 (2.5%) | $274,747 (3.2%) | 0.79 | 985 |
| 2020-04-01 | $254,185 (1.2%) | $277,402 (2.1%) | 0.80 | 1,038 |
| 2020-05-01 | $260,900 (3.2%) | $288,999 (7.1%) | 0.79 | 932 |
| 2020-06-01 | $265,350 (5.1%) | $294,112 (10.5%) | 0.78 | 802 |
| 2020-07-01 | $262,925 (3.8%) | $292,442 (9.2%) | 0.76 | 803 |
| 2020-08-01 | $259,900 (3.3%) | $288,216 (8.5%) | 0.74 | 678 |
| 2020-09-01 | $270,500 (7.9%) | $292,941 (10.9%) | 0.78 | 681 |
| 2020-10-01 | $285,000 (14.0%) | $301,826 (14.6%) | 0.82 | 629 |
| 2020-11-01 | $277,725 (11.1%) | $302,880 (15.4%) | 0.81 | 586 |
| 2020-12-01 | $282,200 (12.9%) | $303,865 (16.0%) | 0.84 | 559 |
| 2021-01-01 | $280,650 (12.3%) | $304,300 (15.6%) | 0.84 | 514 |
| 2021-02-01 | $289,800 (16.0%) | $315,322 (17.8%) | 0.84 | 463 |
| 2021-03-01 | $312,800 (24.5%) | $331,260 (20.6%) | 0.89 | 365 |
| 2021-04-01 | $316,950 (24.7%) | $342,040 (23.3%) | 0.86 | 326 |
| 2021-05-01 | $295,000 (13.1%) | $341,786 (18.3%) | 0.78 | 287 |
| 2021-06-01 | $288,675 (8.8%) | $326,996 (11.2%) | 0.76 | 409 |
| 2021-07-01 | $287,900 (9.5%) | $331,653 (13.4%) | 0.76 | 484 |
| 2021-08-01 | $303,775 (16.9%) | $338,718 (17.5%) | 0.81 | 569 |
| 2021-09-01 | $318,000 (17.6%) | $346,762 (18.4%) | 0.85 | 606 |
| 2021-10-01 | $324,450 (13.8%) | $349,958 (16.0%) | 0.87 | 665 |
| 2021-11-01 | $331,500 (19.4%) | $359,555 (18.7%) | 0.89 | 624 |
| 2021-12-01 | $325,000 (15.2%) | $361,712 (19.0%) | 0.88 | 598 |
| 2022-01-01 | $337,400 (20.2%) | $380,527 (25.1%) | 0.91 | 483 |
| 2022-02-01 | $348,100 (20.1%) | $388,166 (23.1%) | 0.91 | 405 |
| 2022-03-01 | $339,700 (8.6%) | $395,600 (19.4%) | 0.85 | 373 |
| 2022-04-01 | $335,000 (5.7%) | $395,970 (15.8%) | 0.80 | 399 |
| 2022-05-01 | $347,450 (17.8%) | $396,911 (16.1%) | 0.79 | 526 |
| 2022-06-01 | $351,950 (21.9%) | $391,844 (19.8%) | 0.78 | 712 |
| 2022-07-01 | $359,900 (25.0%) | $398,597 (20.2%) | 0.81 | 882 |
| 2022-08-01 | $365,000 (20.2%) | $398,556 (17.7%) | 0.84 | 1,087 |
| 2022-09-01 | $357,500 (12.4%) | $395,325 (14.0%) | 0.84 | 1,175 |
| 2022-10-01 | $359,900 (10.9%) | $393,201 (12.4%) | 0.85 | 1,221 |
| 2022-11-01 | $354,675 (7.0%) | $391,895 (9.0%) | 0.85 | 1,276 |
| 2022-12-01 | $351,900 (8.3%) | $386,758 (6.9%) | 0.87 | 1,253 |
| 2023-01-01 | $352,975 (4.6%) | $392,990 (3.3%) | 0.87 | 1,223 |
| 2023-02-01 | $363,900 (4.5%) | $405,037 (4.4%) | 0.88 | 1,092 |
| 2023-03-01 | $366,950 (8.0%) | $409,099 (3.4%) | 0.87 | 960 |
| 2023-04-01 | $360,000 (7.5%) | $405,461 (2.4%) | 0.84 | 907 |
| 2023-05-01 | $363,525 (4.6%) | $403,923 (1.8%) | 0.82 | 936 |
| 2023-06-01 | $363,300 (3.2%) | $407,259 (3.9%) | 0.82 | 952 |
| 2023-07-01 | $360,000 (0.0%) | $408,407 (2.5%) | 0.82 | 1,067 |
| 2023-08-01 | $356,050 (-2.5%) | $404,727 (1.6%) | 0.82 | 1,163 |
| 2023-09-01 | $348,400 (-2.6%) | $390,620 (-1.2%) | 0.81 | 1,198 |
| 2023-10-01 | $339,575 (-5.7%) | $381,874 (-2.9%) | 0.80 | 1,279 |
| 2023-11-01 | $337,250 (-4.9%) | $383,746 (-2.1%) | 0.80 | 1,335 |
| 2023-12-01 | $330,000 (-6.2%) | $381,215 (-1.4%) | 0.80 | 1,283 |
| 2024-01-01 | $324,900 (-8.0%) | $377,736 (-3.9%) | 0.79 | 1,136 |
| 2024-02-01 | $318,975 (-12.4%) | $375,918 (-7.2%) | 0.77 | 1,124 |
| 2024-03-01 | $325,000 (-11.4%) | $377,623 (-7.7%) | 0.76 | 1,174 |
| 2024-04-01 | $330,000 (-8.3%) | $381,222 (-6.0%) | 0.77 | 1,257 |
| 2024-05-01 | $334,900 (-7.9%) | $386,863 (-4.2%) | 0.76 | 1,353 |
| 2024-06-01 | $334,900 (-7.8%) | $387,485 (-4.9%) | 0.76 | 1,430 |
| 2024-07-01 | $334,975 (-7.0%) | $388,836 (-4.8%) | 0.77 | 1,538 |
| 2024-08-01 | $334,950 (-5.9%) | $385,157 (-4.8%) | 0.78 | 1,604 |
| 2024-09-01 | $333,998 (-4.1%) | $385,623 (-1.3%) | 0.79 | 1,652 |
| 2024-10-01 | $331,450 (-2.4%) | $379,776 (-0.6%) | 0.78 | 1,687 |
| 2024-11-01 | $334,900 (-0.7%) | $386,156 (0.6%) | 0.80 | 1,763 |
| 2024-12-01 | $334,950 (1.5%) | $386,905 (1.5%) | 0.83 | 1,645 |
| 2025-01-01 | $338,950 (4.3%) | $388,011 (2.7%) | 0.85 | 1,587 |
| 2025-02-01 | $340,950 (6.9%) | $388,590 (3.4%) | 0.83 | 1,575 |
| 2025-03-01 | $342,000 (5.2%) | $390,141 (3.3%) | 0.80 | 1,636 |
| 2025-04-01 | $343,250 (4.0%) | $393,116 (3.1%) | 0.80 | 1,711 |
Clarksville's median listing price comes in at 80% of the national average.
Clarksville's average listing price for 2025-04-01 was $393,116, a difference of $11,894 (3.1%) versus the prior year and $2,975 versus the prior month.
For the 2025-04-01 period, Clarksville had 1,711 MLS listings, a difference of 75 listings (5%) versus the prior month and 454 listings (36%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Clarksville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 69 days | 2,073 sqft |
| 2018-02-01 | 69 days | 2,099 sqft |
| 2018-03-01 | 46 days | 2,080 sqft |
| 2018-04-01 | 44 days | 2,093 sqft |
| 2018-05-01 | 44 days | 2,117 sqft |
| 2018-06-01 | 47 days | 2,098 sqft |
| 2018-07-01 | 52 days | 2,076 sqft |
| 2018-08-01 | 51 days | 2,084 sqft |
| 2018-09-01 | 53 days | 2,110 sqft |
| 2018-10-01 | 59 days | 2,112 sqft |
| 2018-11-01 | 62 days | 2,125 sqft |
| 2018-12-01 | 71 days | 2,150 sqft |
| 2019-01-01 | 81 days | 2,163 sqft |
| 2019-02-01 | 69 days | 2,200 sqft |
| 2019-03-01 | 56 days | 2,241 sqft |
| 2019-04-01 | 47 days | 2,279 sqft |
| 2019-05-01 | 44 days | 2,248 sqft |
| 2019-06-01 | 41 days | 2,238 sqft |
| 2019-07-01 | 45 days | 2,237 sqft |
| 2019-08-01 | 47 days | 2,205 sqft |
| 2019-09-01 | 49 days | 2,174 sqft |
| 2019-10-01 | 50 days | 2,151 sqft |
| 2019-11-01 | 59 days | 2,144 sqft |
| 2019-12-01 | 66 days | 2,139 sqft |
| 2020-01-01 | 66 days | 2,101 sqft |
| 2020-02-01 | 52 days | 2,123 sqft |
| 2020-03-01 | 39 days | 2,134 sqft |
| 2020-04-01 | 41 days | 2,151 sqft |
| 2020-05-01 | 51 days | 2,161 sqft |
| 2020-06-01 | 51 days | 2,166 sqft |
| 2020-07-01 | 38 days | 2,128 sqft |
| 2020-08-01 | 33 days | 2,121 sqft |
| 2020-09-01 | 30 days | 2,175 sqft |
| 2020-10-01 | 32 days | 2,200 sqft |
| 2020-11-01 | 41 days | 2,188 sqft |
| 2020-12-01 | 36 days | 2,188 sqft |
| 2021-01-01 | 31 days | 2,179 sqft |
| 2021-02-01 | 25 days | 2,196 sqft |
| 2021-03-01 | 24 days | 2,248 sqft |
| 2021-04-01 | 18 days | 2,230 sqft |
| 2021-05-01 | 10 days | 2,157 sqft |
| 2021-06-01 | 11 days | 2,044 sqft |
| 2021-07-01 | 19 days | 2,050 sqft |
| 2021-08-01 | 18 days | 2,089 sqft |
| 2021-09-01 | 24 days | 2,091 sqft |
| 2021-10-01 | 26 days | 2,092 sqft |
| 2021-11-01 | 32 days | 2,110 sqft |
| 2021-12-01 | 40 days | 2,076 sqft |
| 2022-01-01 | 44 days | 2,111 sqft |
| 2022-02-01 | 21 days | 2,100 sqft |
| 2022-03-01 | 16 days | 2,062 sqft |
| 2022-04-01 | 12 days | 2,033 sqft |
| 2022-05-01 | 15 days | 2,049 sqft |
| 2022-06-01 | 20 days | 2,044 sqft |
| 2022-07-01 | 23 days | 2,067 sqft |
| 2022-08-01 | 32 days | 2,089 sqft |
| 2022-09-01 | 40 days | 2,072 sqft |
| 2022-10-01 | 50 days | 2,065 sqft |
| 2022-11-01 | 50 days | 2,059 sqft |
| 2022-12-01 | 54 days | 2,050 sqft |
| 2023-01-01 | 63 days | 2,050 sqft |
| 2023-02-01 | 58 days | 2,067 sqft |
| 2023-03-01 | 48 days | 2,067 sqft |
| 2023-04-01 | 39 days | 2,050 sqft |
| 2023-05-01 | 37 days | 2,048 sqft |
| 2023-06-01 | 37 days | 2,055 sqft |
| 2023-07-01 | 37 days | 2,032 sqft |
| 2023-08-01 | 42 days | 2,000 sqft |
| 2023-09-01 | 46 days | 1,937 sqft |
| 2023-10-01 | 44 days | 1,910 sqft |
| 2023-11-01 | 47 days | 1,900 sqft |
| 2023-12-01 | 55 days | 1,840 sqft |
| 2024-01-01 | 65 days | 1,807 sqft |
| 2024-02-01 | 47 days | 1,722 sqft |
| 2024-03-01 | 40 days | 1,751 sqft |
| 2024-04-01 | 36 days | 1,807 sqft |
| 2024-05-01 | 38 days | 1,837 sqft |
| 2024-06-01 | 44 days | 1,860 sqft |
| 2024-07-01 | 45 days | 1,847 sqft |
| 2024-08-01 | 46 days | 1,831 sqft |
| 2024-09-01 | 58 days | 1,809 sqft |
| 2024-10-01 | 64 days | 1,800 sqft |
| 2024-11-01 | 70 days | 1,803 sqft |
| 2024-12-01 | 72 days | 1,797 sqft |
| 2025-01-01 | 71 days | 1,810 sqft |
| 2025-02-01 | 64 days | 1,823 sqft |
| 2025-03-01 | 57 days | 1,842 sqft |
| 2025-04-01 | 54 days | 1,854 sqft |
Clarksville's median square footage for active listings during the 2025-04-01 period was 1,854 sqft. One year prior, the average listing was 1,807 sqft.