Columbus USDA Loan Rates, Closing Costs & Stats

Columbus, NE

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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.

    Columbus's 4 lenders originated 10 USDA loans during 2023. The total origination value was $1,750,000, with an average USDA loan value of $175,000.

    Columbus USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Columbus averaged 6.75% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Columbus's average USDA mortgage closing costs are $4,048.

    The average rate for the prior week (2025-02-07) was 6.51% and one month ago for the week of 2025-01-10, the average rate was 6.55%.

    The average rate one year ago was 6.54%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Columbus 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 Columbus level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Pinnacle Bank 6 6.35% $4,586
    CHARTER WEST BANK 2 6.44% $4,802
    PLAZA HOME MORTGAGE, INC. 1 7.25% $8,744
    West Gate Bank 1 6.63% $4,910

    The top Columbus USDA lender as defined by loan originations is Pinnacle Bank, with 6 USDA loans originated. Their average total fees are $4,586, which is $216 lower than the next largest lender, CHARTER WEST BANK.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Columbus (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 $174,950 (-12.1%) $206,393 (-5.6%) 0.00 72
    2018-02-01 $184,600 (-13.9%) $209,148 (-9.0%) 0.00 73
    2018-03-01 $194,900 (-6.5%) $213,947 (-7.6%) 0.00 63
    2018-04-01 $212,225 (16.0%) $223,304 (-1.7%) 0.00 68
    2018-05-01 $225,000 (12.7%) $227,467 (7.6%) 0.00 68
    2018-06-01 $210,000 (12.4%) $224,685 (7.8%) 0.00 77
    2018-07-01 $189,675 (2.5%) $212,495 (2.7%) 0.00 77
    2018-08-01 $197,100 (6.6%) $210,208 (0.4%) 0.00 87
    2018-09-01 $191,950 (-3.0%) $210,486 (-1.6%) 0.00 87
    2018-10-01 $219,425 (18.1%) $223,450 (5.4%) 0.00 80
    2018-11-01 $214,900 (22.8%) $220,442 (5.8%) 0.00 86
    2018-12-01 $208,900 (16.1%) $222,657 (4.8%) 0.00 79
    2019-01-01 $223,725 (27.9%) $239,824 (16.2%) 0.00 72
    2019-02-01 $226,225 (22.6%) $239,132 (14.3%) 0.00 73
    2019-03-01 $225,000 (15.4%) $233,130 (9.0%) 0.00 75
    2019-04-01 $225,000 (6.0%) $231,953 (3.9%) 0.00 78
    2019-05-01 $229,900 (2.2%) $233,413 (2.6%) 0.00 94
    2019-06-01 $229,900 (9.5%) $249,280 (11.0%) 0.00 85
    2019-07-01 $229,900 (21.2%) $248,759 (17.1%) 0.00 86
    2019-08-01 $218,745 (11.0%) $246,180 (17.1%) 0.00 84
    2019-09-01 $202,014 (5.2%) $237,604 (12.9%) 0.00 89
    2019-10-01 $193,334 (-11.9%) $232,685 (4.1%) 0.00 90
    2019-11-01 $200,000 (-6.9%) $245,747 (11.5%) 0.00 83
    2019-12-01 $199,725 (-4.4%) $240,801 (8.2%) 0.00 69
    2020-01-01 $232,200 (3.8%) $251,643 (4.9%) 0.00 63
    2020-02-01 $259,000 (14.5%) $267,135 (11.7%) 0.00 60
    2020-03-01 $270,200 (20.1%) $278,597 (19.5%) 0.00 71
    2020-04-01 $274,925 (22.2%) $287,789 (24.1%) 0.00 73
    2020-05-01 $256,250 (11.5%) $272,380 (16.7%) 0.00 84
    2020-06-01 $254,675 (10.8%) $279,879 (12.3%) 0.00 67
    2020-07-01 $275,975 (20.0%) $288,260 (15.9%) 0.00 58
    2020-08-01 $260,000 (18.9%) $286,599 (16.4%) 0.00 61
    2020-09-01 $244,250 (20.9%) $257,043 (8.2%) 0.00 69
    2020-10-01 $255,000 (31.9%) $262,962 (13.0%) 0.00 74
    2020-11-01 $246,075 (23.0%) $266,814 (8.6%) 0.00 66
    2020-12-01 $249,900 (25.1%) $270,994 (12.5%) 0.00 60
    2021-01-01 $237,450 (2.3%) $263,684 (4.8%) 0.00 49
    2021-02-01 $237,000 (-8.5%) $281,659 (5.4%) 0.00 35
    2021-03-01 $266,500 (-1.4%) $273,650 (-1.8%) 0.00 42
    2021-04-01 $270,625 (-1.6%) $266,997 (-7.2%) 0.00 39
    2021-05-01 $266,950 (4.2%) $276,368 (1.5%) 0.00 36
    2021-06-01 $284,500 (11.7%) $287,278 (2.6%) 0.00 42
    2021-07-01 $285,450 (3.4%) $287,915 (-0.1%) 0.00 50
    2021-08-01 $240,000 (-7.7%) $266,032 (-7.2%) 0.00 48
    2021-09-01 $215,625 (-11.7%) $241,890 (-5.9%) 0.00 47
    2021-10-01 $229,500 (-10.0%) $246,880 (-6.1%) 0.00 56
    2021-11-01 $239,925 (-2.5%) $268,639 (0.7%) 0.00 65
    2021-12-01 $272,475 (9.0%) $290,754 (7.3%) 0.00 58
    2022-01-01 $264,900 (11.6%) $283,105 (7.4%) 0.00 52
    2022-02-01 $264,950 (11.8%) $288,998 (2.6%) 0.00 44
    2022-03-01 $264,900 (-0.6%) $296,163 (8.2%) 0.00 42
    2022-04-01 $309,000 (14.2%) $337,555 (26.4%) 0.00 45
    2022-05-01 $285,000 (6.8%) $325,635 (17.8%) 0.00 63
    2022-06-01 $285,000 (0.2%) $320,296 (11.5%) 0.00 69
    2022-07-01 $285,000 (-0.2%) $343,358 (19.3%) 0.00 72
    2022-08-01 $285,000 (18.8%) $320,825 (20.6%) 0.00 76
    2022-09-01 $288,500 (33.8%) $329,185 (36.1%) 0.00 84
    2022-10-01 $293,200 (27.8%) $323,829 (31.2%) 0.00 77
    2022-11-01 $298,725 (24.5%) $331,921 (23.6%) 0.00 67
    2022-12-01 $285,000 (4.6%) $314,262 (8.1%) 0.00 68
    2023-01-01 $281,250 (6.2%) $308,370 (8.9%) 0.00 71
    2023-02-01 $280,750 (6.0%) $309,853 (7.2%) 0.00 69
    2023-03-01 $285,000 (7.6%) $317,776 (7.3%) 0.00 63
    2023-04-01 $269,900 (-12.7%) $312,677 (-7.4%) 0.00 75
    2023-05-01 $278,450 (-2.3%) $325,055 (-0.2%) 0.00 66
    2023-06-01 $315,000 (10.5%) $366,838 (14.5%) 0.00 64
    2023-07-01 $307,000 (7.7%) $351,273 (2.3%) 0.00 65
    2023-08-01 $316,225 (11.0%) $345,310 (7.6%) 0.00 84
    2023-09-01 $300,000 (4.0%) $337,789 (2.6%) 0.00 84
    2023-10-01 $314,500 (7.3%) $341,086 (5.3%) 0.00 91
    2023-11-01 $319,000 (6.8%) $339,046 (2.2%) 0.00 87
    2023-12-01 $319,900 (12.3%) $330,839 (5.3%) 0.00 84
    2024-01-01 $295,975 (5.2%) $317,905 (3.1%) 0.00 85
    2024-02-01 $284,675 (1.4%) $312,509 (0.9%) 0.00 80
    2024-03-01 $289,950 (1.7%) $311,637 (-1.9%) 0.00 85
    2024-04-01 $296,750 (10.0%) $315,735 (1.0%) 0.00 83
    2024-05-01 $305,000 (9.5%) $332,798 (2.4%) 0.00 82
    2024-06-01 $312,500 (-0.8%) $346,837 (-5.5%) 0.00 73
    2024-07-01 $333,738 (8.7%) $371,099 (5.6%) 0.00 74
    2024-08-01 $328,700 (3.9%) $350,682 (1.6%) 0.00 78
    2024-09-01 $338,675 (12.9%) $367,163 (8.7%) 0.00 82
    2024-10-01 $322,500 (2.5%) $341,011 (0.0%) 0.00 96
    2024-11-01 $295,000 (-7.5%) $329,983 (-2.7%) 0.00 105
    2024-12-01 $299,500 (-6.4%) $332,562 (0.5%) 0.00 99
    2025-01-01 $294,500 (-0.5%) $328,877 (3.5%) 0.00 101
    Columbus's median listing price for 2025-01-01 was $294,500, a difference of $-1,475 (-0.5%) versus the prior year and $-5,000 versus the prior month.

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

    Columbus's average listing price for 2025-01-01 was $328,877, a difference of $10,972 (3.5%) versus the prior year and $-3,685 versus the prior month.

    For the 2025-01-01 period, Columbus had 101 MLS listings, a difference of 2 listings (2%) versus the prior month and 16 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Columbus (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,582 sqft
    2018-02-01 0 days 1,540 sqft
    2018-03-01 0 days 1,456 sqft
    2018-04-01 0 days 1,519 sqft
    2018-05-01 0 days 1,536 sqft
    2018-06-01 0 days 1,557 sqft
    2018-07-01 0 days 1,572 sqft
    2018-08-01 0 days 1,544 sqft
    2018-09-01 0 days 1,527 sqft
    2018-10-01 0 days 1,588 sqft
    2018-11-01 0 days 1,588 sqft
    2018-12-01 0 days 1,560 sqft
    2019-01-01 0 days 1,685 sqft
    2019-02-01 0 days 1,654 sqft
    2019-03-01 0 days 1,650 sqft
    2019-04-01 0 days 1,650 sqft
    2019-05-01 0 days 1,700 sqft
    2019-06-01 0 days 1,729 sqft
    2019-07-01 0 days 1,753 sqft
    2019-08-01 0 days 1,731 sqft
    2019-09-01 0 days 1,662 sqft
    2019-10-01 0 days 1,588 sqft
    2019-11-01 0 days 1,666 sqft
    2019-12-01 0 days 1,660 sqft
    2020-01-01 0 days 1,687 sqft
    2020-02-01 0 days 1,713 sqft
    2020-03-01 0 days 1,635 sqft
    2020-04-01 0 days 1,739 sqft
    2020-05-01 0 days 1,699 sqft
    2020-06-01 0 days 1,706 sqft
    2020-07-01 0 days 1,861 sqft
    2020-08-01 0 days 1,861 sqft
    2020-09-01 0 days 1,661 sqft
    2020-10-01 0 days 1,589 sqft
    2020-11-01 0 days 1,638 sqft
    2020-12-01 0 days 1,635 sqft
    2021-01-01 0 days 1,656 sqft
    2021-02-01 0 days 1,612 sqft
    2021-03-01 0 days 1,581 sqft
    2021-04-01 0 days 1,505 sqft
    2021-05-01 0 days 1,456 sqft
    2021-06-01 0 days 1,620 sqft
    2021-07-01 0 days 1,587 sqft
    2021-08-01 0 days 1,443 sqft
    2021-09-01 0 days 1,383 sqft
    2021-10-01 0 days 1,448 sqft
    2021-11-01 0 days 1,480 sqft
    2021-12-01 0 days 1,537 sqft
    2022-01-01 0 days 1,456 sqft
    2022-02-01 0 days 1,456 sqft
    2022-03-01 0 days 1,462 sqft
    2022-04-01 0 days 1,603 sqft
    2022-05-01 0 days 1,539 sqft
    2022-06-01 0 days 1,559 sqft
    2022-07-01 0 days 1,600 sqft
    2022-08-01 0 days 1,538 sqft
    2022-09-01 0 days 1,471 sqft
    2022-10-01 0 days 1,485 sqft
    2022-11-01 0 days 1,543 sqft
    2022-12-01 0 days 1,449 sqft
    2023-01-01 0 days 1,422 sqft
    2023-02-01 0 days 1,422 sqft
    2023-03-01 0 days 1,422 sqft
    2023-04-01 0 days 1,431 sqft
    2023-05-01 0 days 1,511 sqft
    2023-06-01 0 days 1,549 sqft
    2023-07-01 0 days 1,545 sqft
    2023-08-01 0 days 1,511 sqft
    2023-09-01 0 days 1,499 sqft
    2023-10-01 0 days 1,552 sqft
    2023-11-01 0 days 1,508 sqft
    2023-12-01 0 days 1,516 sqft
    2024-01-01 0 days 1,466 sqft
    2024-02-01 0 days 1,424 sqft
    2024-03-01 0 days 1,446 sqft
    2024-04-01 0 days 1,454 sqft
    2024-05-01 0 days 1,430 sqft
    2024-06-01 0 days 1,481 sqft
    2024-07-01 0 days 1,604 sqft
    2024-08-01 0 days 1,606 sqft
    2024-09-01 0 days 1,550 sqft
    2024-10-01 0 days 1,388 sqft
    2024-11-01 0 days 1,378 sqft
    2024-12-01 0 days 1,424 sqft
    2025-01-01 0 days 1,423 sqft
    Columbus's median listing age (time on market) for 2025-01-01 was 0 days.

    Columbus's median square footage for active listings during the 2025-01-01 period was 1,423 sqft. One year prior, the average listing was 1,466 sqft.