Coshocton USDA Loan Rates, Closing Costs & Stats

Coshocton, OH

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.

Coshocton's 10 lenders originated 38 USDA loans during 2023. The total origination value was $5,250,000, with an average USDA loan value of $138,158.

Coshocton USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Coshocton averaged 0.12% for the week of 2024-11-29, compared to the national average (all USDA variants) of 0% for the same period.

Coshocton's average USDA mortgage closing costs are $5,117.

The average rate for the prior week (2024-11-22) was 6.52% and one month ago for the week of 2024-10-25, the average rate was 6.32%.

The average rate one year ago was 7.42%.

For refis of the same type during the week of 2024-11-29, the average rate was -0.2%.

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

Coshocton 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 Coshocton level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
MID AMERICA MORTGAGE, INC. 14 7.13% $5,534
FIRST COMMUNITY MORTGAGE, INC. 6 7.02% $5,945
CROSSCOUNTRY MORTGAGE, LLC 5 6.93% $6,967
Chickasaw Community Bank 3 7.46% $6,821
RUOFF MORTGAGE COMPANY, INC. 2 6.38% $6,186
T2 FINANCIAL LLC 1 7.50% $6,317
GUARANTEED RATE, INC. 1 6.75% $4,441
NFM, INC. 1 7.38% $10,365
Peoples Bank 1 7.00% $5,248
Bank of England 1 7.25% $13,418

The top Coshocton USDA lender as defined by loan originations is MID AMERICA MORTGAGE, INC., with 14 USDA loans originated. Their average total fees are $5,534, which is $411 lower than the next largest lender, FIRST COMMUNITY MORTGAGE, INC..

The lowest fee Coshocton USDA lenders (with over 10 loans originated) are MID AMERICA MORTGAGE, INC. ($5,534), .

The lowest rate Coshocton USDA lenders (with over 10 loans originated) are MID AMERICA MORTGAGE, INC. (7.13%), .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Coshocton (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 $98,250 (14.1%) $163,646 (2.9%) 0.00 105
2018-02-01 $110,950 (28.6%) $179,358 (11.3%) 0.00 101
2018-03-01 $121,500 (39.1%) $197,725 (21.3%) 0.00 90
2018-04-01 $128,225 (35.0%) $193,926 (16.9%) 0.00 95
2018-05-01 $132,825 (15.5%) $203,631 (9.2%) 0.00 106
2018-06-01 $99,450 (-14.6%) $192,302 (3.7%) 0.00 112
2018-07-01 $89,725 (-26.7%) $156,127 (-12.4%) 0.00 132
2018-08-01 $99,000 (-16.5%) $157,937 (-12.1%) 0.00 129
2018-09-01 $99,000 (-12.0%) $151,091 (-12.3%) 0.00 134
2018-10-01 $109,975 (15.8%) $156,620 (-2.7%) 0.00 136
2018-11-01 $100,125 (5.5%) $150,727 (-6.2%) 0.00 128
2018-12-01 $89,000 (-10.9%) $140,862 (-11.7%) 0.00 118
2019-01-01 $99,675 (1.5%) $142,135 (-13.1%) 0.00 102
2019-02-01 $107,700 (-2.9%) $157,535 (-12.2%) 0.00 89
2019-03-01 $98,368 (-19.0%) $157,693 (-20.3%) 0.00 84
2019-04-01 $86,576 (-32.5%) $153,247 (-21.0%) 0.00 88
2019-05-01 $94,900 (-28.6%) $148,352 (-27.2%) 0.00 98
2019-06-01 $94,500 (-5.0%) $146,202 (-24.0%) 0.00 104
2019-07-01 $102,400 (14.1%) $150,937 (-3.3%) 0.00 99
2019-08-01 $102,818 (3.9%) $152,749 (-3.3%) 0.00 100
2019-09-01 $115,295 (16.5%) $163,097 (8.0%) 0.00 98
2019-10-01 $123,614 (12.4%) $170,706 (9.0%) 0.00 97
2019-11-01 $119,950 (19.8%) $172,836 (14.7%) 0.00 103
2019-12-01 $116,250 (30.6%) $157,467 (11.8%) 0.00 97
2020-01-01 $116,250 (16.6%) $156,617 (10.2%) 0.00 84
2020-02-01 $119,400 (10.9%) $166,957 (6.0%) 0.00 79
2020-03-01 $110,000 (11.8%) $168,822 (7.1%) 0.00 67
2020-04-01 $108,250 (25.0%) $170,985 (11.6%) 0.00 58
2020-05-01 $110,000 (15.9%) $151,990 (2.5%) 0.00 60
2020-06-01 $118,450 (25.3%) $168,920 (15.5%) 0.00 59
2020-07-01 $129,750 (26.7%) $198,362 (31.4%) 0.00 61
2020-08-01 $131,500 (27.9%) $184,064 (20.5%) 0.00 61
2020-09-01 $139,925 (21.4%) $190,468 (16.8%) 0.00 53
2020-10-01 $139,950 (13.2%) $189,323 (10.9%) 0.00 62
2020-11-01 $132,450 (10.4%) $184,443 (6.7%) 0.00 58
2020-12-01 $119,975 (3.2%) $172,165 (9.3%) 0.00 65
2021-01-01 $120,000 (3.2%) $176,659 (12.8%) 0.00 47
2021-02-01 $116,500 (-2.4%) $139,783 (-16.3%) 0.00 31
2021-03-01 $109,800 (-0.2%) $140,369 (-16.9%) 0.00 27
2021-04-01 $131,200 (21.2%) $194,162 (13.6%) 0.00 21
2021-05-01 $142,450 (29.5%) $196,041 (29.0%) 0.00 22
2021-06-01 $169,200 (42.9%) $232,888 (37.9%) 0.00 30
2021-07-01 $149,000 (14.8%) $261,488 (31.8%) 0.00 43
2021-08-01 $141,125 (7.3%) $242,317 (31.7%) 0.00 55
2021-09-01 $148,125 (5.9%) $290,797 (52.7%) 0.00 51
2021-10-01 $137,000 (-2.1%) $296,257 (56.5%) 0.00 48
2021-11-01 $144,500 (9.1%) $278,634 (51.1%) 0.00 45
2021-12-01 $149,675 (24.8%) $298,170 (73.2%) 0.00 39
2022-01-01 $149,900 (24.9%) $277,451 (57.1%) 0.00 31
2022-02-01 $138,075 (18.5%) $242,971 (73.8%) 0.00 28
2022-03-01 $161,650 (47.2%) $267,540 (90.6%) 0.00 29
2022-04-01 $180,750 (37.8%) $267,784 (37.9%) 0.00 28
2022-05-01 $195,000 (36.9%) $295,287 (50.6%) 0.00 32
2022-06-01 $162,450 (-4.0%) $266,057 (14.2%) 0.00 49
2022-07-01 $152,450 (2.3%) $248,838 (-4.8%) 0.00 53
2022-08-01 $164,475 (16.6%) $260,625 (7.6%) 0.00 47
2022-09-01 $144,500 (-2.5%) $253,232 (-12.9%) 0.00 43
2022-10-01 $139,900 (2.1%) $253,509 (-14.4%) 0.00 38
2022-11-01 $141,475 (-2.1%) $200,421 (-28.1%) 0.00 32
2022-12-01 $147,500 (-1.5%) $192,523 (-35.4%) 0.00 31
2023-01-01 $159,975 (6.7%) $190,575 (-31.3%) 0.00 27
2023-02-01 $158,850 (15.1%) $253,793 (4.5%) 0.00 30
2023-03-01 $150,000 (-7.2%) $185,802 (-30.6%) 0.00 36
2023-04-01 $150,000 (-17.0%) $208,677 (-22.1%) 0.00 35
2023-05-01 $167,400 (-14.2%) $244,721 (-17.1%) 0.00 31
2023-06-01 $180,425 (11.1%) $285,366 (7.3%) 0.00 36
2023-07-01 $249,900 (63.9%) $331,331 (33.2%) 0.00 46
2023-08-01 $248,000 (50.8%) $314,197 (20.6%) 0.00 45
2023-09-01 $223,500 (54.7%) $297,360 (17.4%) 0.00 54
2023-10-01 $219,250 (56.7%) $311,471 (22.9%) 0.00 56
2023-11-01 $206,197 (45.8%) $304,332 (51.9%) 0.00 52
2023-12-01 $184,900 (25.4%) $273,530 (42.1%) 0.00 54
2024-01-01 $159,900 (-0.1%) $285,101 (49.6%) 0.00 48
2024-02-01 $204,950 (29.0%) $333,031 (31.2%) 0.00 49
2024-03-01 $215,000 (43.3%) $330,617 (77.9%) 0.00 48
2024-04-01 $194,550 (29.7%) $283,650 (35.9%) 0.00 45
2024-05-01 $193,250 (15.4%) $301,037 (23.0%) 0.00 39
2024-06-01 $210,000 (16.4%) $374,498 (31.2%) 0.00 46
2024-07-01 $215,000 (-14.0%) $395,685 (19.4%) 0.00 50
2024-08-01 $200,000 (-19.4%) $369,771 (17.7%) 0.00 57
2024-09-01 $187,750 (-16.0%) $305,677 (2.8%) 0.00 64
2024-10-01 $169,950 (-22.5%) $302,799 (-2.8%) 0.00 60
Coshocton's median listing price for 2024-10-01 was $169,950, a difference of $-49,300 (-22.5%) versus the prior year and $-17,800 versus the prior month.

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

Coshocton's average listing price for 2024-10-01 was $302,799, a difference of $-8,672 (-2.8%) versus the prior year and $-2,878 versus the prior month.

For the 2024-10-01 period, Coshocton had 60 MLS listings, a difference of -4 listings (-6%) versus the prior month and 4 listings (7%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Coshocton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,586 sqft
2018-02-01 0 days 1,624 sqft
2018-03-01 0 days 1,637 sqft
2018-04-01 0 days 1,629 sqft
2018-05-01 0 days 1,631 sqft
2018-06-01 0 days 1,632 sqft
2018-07-01 0 days 1,634 sqft
2018-08-01 0 days 1,707 sqft
2018-09-01 0 days 1,620 sqft
2018-10-01 0 days 1,635 sqft
2018-11-01 0 days 1,568 sqft
2018-12-01 0 days 1,411 sqft
2019-01-01 0 days 1,435 sqft
2019-02-01 0 days 1,487 sqft
2019-03-01 0 days 1,471 sqft
2019-04-01 0 days 1,479 sqft
2019-05-01 0 days 1,449 sqft
2019-06-01 0 days 1,516 sqft
2019-07-01 0 days 1,619 sqft
2019-08-01 0 days 1,620 sqft
2019-09-01 0 days 1,621 sqft
2019-10-01 0 days 1,622 sqft
2019-11-01 0 days 1,624 sqft
2019-12-01 0 days 1,692 sqft
2020-01-01 0 days 1,537 sqft
2020-02-01 0 days 1,500 sqft
2020-03-01 0 days 1,462 sqft
2020-04-01 0 days 1,489 sqft
2020-05-01 0 days 1,496 sqft
2020-06-01 0 days 1,600 sqft
2020-07-01 0 days 1,615 sqft
2020-08-01 0 days 1,604 sqft
2020-09-01 0 days 1,608 sqft
2020-10-01 0 days 1,512 sqft
2020-11-01 0 days 1,434 sqft
2020-12-01 0 days 1,419 sqft
2021-01-01 0 days 1,420 sqft
2021-02-01 0 days 1,419 sqft
2021-03-01 0 days 1,471 sqft
2021-04-01 0 days 1,672 sqft
2021-05-01 0 days 1,450 sqft
2021-06-01 0 days 1,661 sqft
2021-07-01 0 days 1,560 sqft
2021-08-01 0 days 1,608 sqft
2021-09-01 0 days 1,603 sqft
2021-10-01 0 days 1,574 sqft
2021-11-01 0 days 1,672 sqft
2021-12-01 0 days 1,599 sqft
2022-01-01 0 days 1,635 sqft
2022-02-01 0 days 1,298 sqft
2022-03-01 0 days 1,473 sqft
2022-04-01 0 days 1,648 sqft
2022-05-01 0 days 1,560 sqft
2022-06-01 0 days 1,563 sqft
2022-07-01 0 days 1,564 sqft
2022-08-01 0 days 1,655 sqft
2022-09-01 0 days 1,632 sqft
2022-10-01 0 days 1,558 sqft
2022-11-01 0 days 1,549 sqft
2022-12-01 0 days 1,568 sqft
2023-01-01 0 days 1,620 sqft
2023-02-01 0 days 1,628 sqft
2023-03-01 0 days 1,641 sqft
2023-04-01 0 days 1,632 sqft
2023-05-01 0 days 1,650 sqft
2023-06-01 0 days 1,673 sqft
2023-07-01 0 days 1,758 sqft
2023-08-01 0 days 1,706 sqft
2023-09-01 0 days 1,689 sqft
2023-10-01 0 days 1,779 sqft
2023-11-01 0 days 1,816 sqft
2023-12-01 0 days 1,768 sqft
2024-01-01 0 days 1,737 sqft
2024-02-01 0 days 1,762 sqft
2024-03-01 0 days 1,682 sqft
2024-04-01 0 days 1,828 sqft
2024-05-01 0 days 1,821 sqft
2024-06-01 0 days 1,824 sqft
2024-07-01 0 days 1,805 sqft
2024-08-01 0 days 1,680 sqft
2024-09-01 0 days 1,643 sqft
2024-10-01 0 days 1,629 sqft
Coshocton's median listing age (time on market) for 2024-10-01 was 0 days.

Coshocton's median square footage for active listings during the 2024-10-01 period was 1,629 sqft. One year prior, the average listing was 1,779 sqft.