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
7.28%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Coshocton's average USDA mortgage closing costs are $5,117.
The average rate for the prior week (2024-04-12) was
6.93% and
one month ago for the week of 2024-03-15, the
average rate was 7.01%.
The average rate one year ago was 6.35%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.96%.
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 |
Coshocton's median listing price comes in at 0% of the national average.
Coshocton's average listing price for 2024-03-01 was $330,617, a difference of $144,815 (77.9%) versus the prior year and $-2,414 versus the prior month.
For the 2024-03-01 period, Coshocton had 48 MLS listings, a difference of -1 listings (-2%) versus the prior month and 12 listings (33%) 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 |
Coshocton's median square footage for active listings during the 2024-03-01 period was 1,682 sqft. One year prior, the average listing was 1,641 sqft.