Coshocton USDA Loan Rates, Closing Costs & Stats

Coshocton, OH

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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.

    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 6.84% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

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

    The average rate for the prior week (2025-02-07) was 6.9% and one month ago for the week of 2025-01-10, the average rate was 6.55%.

    The average rate one year ago was 6.94%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

    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%) $282,995 (6.4%) 0.00 36
    2023-07-01 $249,450 (63.6%) $328,141 (31.9%) 0.00 45
    2023-08-01 $246,000 (49.6%) $311,227 (19.4%) 0.00 44
    2023-09-01 $216,750 (50.0%) $294,277 (16.2%) 0.00 53
    2023-10-01 $216,250 (54.6%) $308,844 (21.8%) 0.00 55
    2023-11-01 $203,644 (43.9%) $302,363 (50.9%) 0.00 51
    2023-12-01 $179,900 (22.0%) $270,503 (40.5%) 0.00 54
    2024-01-01 $158,400 (-1.0%) $283,455 (48.7%) 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 $190,425 (13.8%) $287,657 (17.5%) 0.00 39
    2024-06-01 $210,000 (16.4%) $357,569 (26.4%) 0.00 46
    2024-07-01 $215,000 (-13.8%) $395,685 (20.6%) 0.00 50
    2024-08-01 $200,000 (-18.7%) $369,771 (18.8%) 0.00 57
    2024-09-01 $187,750 (-13.4%) $305,677 (3.9%) 0.00 64
    2024-10-01 $169,950 (-21.4%) $302,799 (-2.0%) 0.00 60
    2024-11-01 $179,500 (-11.9%) $291,465 (-3.6%) 0.00 62
    2024-12-01 $170,975 (-5.0%) $258,188 (-4.6%) 0.00 53
    2025-01-01 $164,350 (3.8%) $213,623 (-24.6%) 0.00 45
    Coshocton's median listing price for 2025-01-01 was $164,350, a difference of $5,950 (3.8%) versus the prior year and $-6,625 versus the prior month.

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

    Coshocton's average listing price for 2025-01-01 was $213,623, a difference of $-69,832 (-24.6%) versus the prior year and $-44,565 versus the prior month.

    For the 2025-01-01 period, Coshocton had 45 MLS listings, a difference of -8 listings (-15%) versus the prior month and -3 listings (-6%) 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 1,620 sqft
    2019-11-01 0 days 1,624 sqft
    2019-12-01 0 days 1,677 sqft
    2020-01-01 0 days 1,532 sqft
    2020-02-01 0 days 1,496 sqft
    2020-03-01 0 days 1,440 sqft
    2020-04-01 0 days 1,486 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 1,468 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 1,542 sqft
    2021-08-01 0 days 1,608 sqft
    2021-09-01 0 days 1,603 sqft
    2021-10-01 0 days 1,588 sqft
    2021-11-01 0 days 1,672 sqft
    2021-12-01 0 days 1,599 sqft
    2022-01-01 0 days 1,663 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 1,564 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 1,628 sqft
    2023-05-01 0 days 1,650 sqft
    2023-06-01 0 days 1,671 sqft
    2023-07-01 0 days 1,756 sqft
    2023-08-01 0 days 1,700 sqft
    2023-09-01 0 days 1,664 sqft
    2023-10-01 0 days 1,778 sqft
    2023-11-01 0 days 1,823 sqft
    2023-12-01 0 days 1,760 sqft
    2024-01-01 0 days 1,737 sqft
    2024-02-01 0 days 1,789 sqft
    2024-03-01 0 days 1,737 sqft
    2024-04-01 0 days 1,824 sqft
    2024-05-01 0 days 1,731 sqft
    2024-06-01 0 days 1,824 sqft
    2024-07-01 0 days 1,809 sqft
    2024-08-01 0 days 1,680 sqft
    2024-09-01 0 days 1,643 sqft
    2024-10-01 0 days 1,646 sqft
    2024-11-01 0 days 1,613 sqft
    2024-12-01 0 days 1,546 sqft
    2025-01-01 0 days 1,572 sqft
    Coshocton's median listing age (time on market) for 2025-01-01 was 0 days.

    Coshocton's median square footage for active listings during the 2025-01-01 period was 1,572 sqft. One year prior, the average listing was 1,737 sqft.