Dubois USDA Loan Rates, Closing Costs & Stats

DuBois, PA

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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.

    Dubois's 10 lenders originated 39 USDA loans during 2023. The total origination value was $4,965,000, with an average USDA loan value of $127,308.

    Dubois USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Dubois averaged 6.67% for the week of 2024-11-08, compared to the national average (all USDA variants) of 6.477% for the same period.

    Dubois's average USDA mortgage closing costs are $4,936.

    The average rate for the prior week (2024-11-01) was 6.34% and one month ago for the week of 2024-10-04, the average rate was 5.96%.

    The average rate one year ago was 7.5%.

    For refis of the same type during the week of 2024-11-08, the average rate was 6.28%.

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

    Dubois 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 Dubois level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.31% $5,625
    First National Bank of Pennsylvania 2 5.75% $6,483
    FIRST HERITAGE FINANCIAL, LLC 1 6.49% $4,630
    Flagstar Bank, FSB 1 6.75% $5,860
    Jersey Shore State Bank 1 6.00% $6,259
    Mortgage Research Center, LLC 1 6.25% $1,522
    NORWICH COMMERCIAL GROUP, INC. 1 6.75% $7,019
    CROSSCOUNTRY MORTGAGE, LLC 1 7.75% $7,204
    U.S. Bank 1 6.25% $5,243
    EQUITY RESOURCES, INC. 1 6.13% $4,385

    The top Dubois USDA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 4 USDA loans originated. Their average total fees are $5,625, which is $859 lower than the next largest lender, First National Bank of Pennsylvania.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dubois (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 $119,675 (6.9%) $142,664 (-4.7%) 0.00 273
    2018-02-01 $119,900 (9.4%) $145,866 (-5.9%) 0.00 259
    2018-03-01 $125,000 (13.6%) $153,715 (-0.9%) 0.00 252
    2018-04-01 $130,000 (16.6%) $158,829 (4.4%) 0.00 263
    2018-05-01 $127,950 (10.8%) $164,521 (8.2%) 0.00 278
    2018-06-01 $125,000 (4.3%) $157,459 (0.8%) 0.00 291
    2018-07-01 $119,925 (0.0%) $156,586 (1.6%) 0.00 292
    2018-08-01 $119,900 (-0.7%) $153,710 (4.9%) 0.00 283
    2018-09-01 $118,500 (-5.1%) $154,802 (3.5%) 0.00 285
    2018-10-01 $117,500 (-4.7%) $152,599 (2.5%) 0.00 287
    2018-11-01 $118,500 (-4.5%) $155,182 (6.0%) 0.00 294
    2018-12-01 $105,000 (-12.5%) $150,811 (3.5%) 0.00 271
    2019-01-01 $100,550 (-16.0%) $148,147 (3.8%) 0.00 242
    2019-02-01 $102,450 (-14.6%) $146,765 (0.6%) 0.00 224
    2019-03-01 $107,143 (-14.3%) $153,416 (-0.2%) 0.00 230
    2019-04-01 $109,643 (-15.7%) $159,222 (0.3%) 0.00 238
    2019-05-01 $108,950 (-14.9%) $158,325 (-3.8%) 0.00 238
    2019-06-01 $114,900 (-8.1%) $161,370 (2.5%) 0.00 238
    2019-07-01 $120,000 (0.1%) $168,481 (7.6%) 0.00 255
    2019-08-01 $119,850 (0.0%) $171,578 (11.6%) 0.00 263
    2019-09-01 $119,625 (1.0%) $176,531 (14.0%) 0.00 261
    2019-10-01 $119,700 (1.9%) $179,700 (17.8%) 0.00 258
    2019-11-01 $119,900 (1.2%) $175,493 (13.1%) 0.00 250
    2019-12-01 $118,100 (12.5%) $173,572 (15.1%) 0.00 237
    2020-01-01 $119,900 (19.2%) $178,958 (20.8%) 0.00 222
    2020-02-01 $113,000 (10.3%) $177,583 (21.0%) 0.00 217
    2020-03-01 $119,450 (11.5%) $165,949 (8.2%) 0.00 209
    2020-04-01 $119,425 (8.9%) $159,813 (0.4%) 0.00 190
    2020-05-01 $119,950 (10.1%) $159,459 (0.7%) 0.00 188
    2020-06-01 $119,900 (4.4%) $152,410 (-5.6%) 0.00 186
    2020-07-01 $129,900 (8.3%) $169,929 (0.9%) 0.00 172
    2020-08-01 $120,000 (0.1%) $167,696 (-2.3%) 0.00 154
    2020-09-01 $129,900 (8.6%) $183,106 (3.7%) 0.00 149
    2020-10-01 $139,900 (16.9%) $200,067 (11.3%) 0.00 148
    2020-11-01 $125,000 (4.3%) $196,780 (12.1%) 0.00 142
    2020-12-01 $127,225 (7.7%) $190,865 (10.0%) 0.00 142
    2021-01-01 $120,000 (0.1%) $183,270 (2.4%) 0.00 138
    2021-02-01 $124,950 (10.6%) $193,452 (8.9%) 0.00 124
    2021-03-01 $122,475 (2.5%) $193,645 (16.7%) 0.00 111
    2021-04-01 $126,225 (5.7%) $192,910 (20.7%) 0.00 105
    2021-05-01 $109,000 (-9.1%) $199,779 (25.3%) 0.00 106
    2021-06-01 $125,950 (5.1%) $214,864 (41.0%) 0.00 105
    2021-07-01 $131,450 (1.2%) $221,062 (30.1%) 0.00 107
    2021-08-01 $132,800 (10.7%) $238,275 (42.1%) 0.00 121
    2021-09-01 $125,550 (-3.4%) $233,278 (27.4%) 0.00 133
    2021-10-01 $133,000 (-4.9%) $254,101 (27.0%) 0.00 130
    2021-11-01 $140,450 (12.4%) $261,707 (33.0%) 0.00 128
    2021-12-01 $128,375 (0.9%) $255,618 (33.9%) 0.00 116
    2022-01-01 $124,900 (4.1%) $239,560 (30.7%) 0.00 108
    2022-02-01 $120,850 (-3.3%) $241,799 (25.0%) 0.00 96
    2022-03-01 $139,500 (13.9%) $272,316 (40.6%) 0.00 90
    2022-04-01 $155,950 (23.6%) $243,372 (26.2%) 0.00 89
    2022-05-01 $146,200 (34.1%) $232,046 (16.2%) 0.00 92
    2022-06-01 $148,725 (18.1%) $228,750 (6.5%) 0.00 106
    2022-07-01 $158,900 (20.9%) $235,808 (6.7%) 0.00 114
    2022-08-01 $159,150 (19.8%) $230,786 (-3.1%) 0.00 122
    2022-09-01 $149,200 (18.8%) $237,671 (1.9%) 0.00 124
    2022-10-01 $141,000 (6.0%) $229,730 (-9.6%) 0.00 126
    2022-11-01 $146,250 (4.1%) $244,292 (-6.7%) 0.00 128
    2022-12-01 $144,000 (12.2%) $252,870 (-1.1%) 0.00 114
    2023-01-01 $147,725 (18.3%) $253,930 (6.0%) 0.00 105
    2023-02-01 $143,200 (18.5%) $257,508 (6.5%) 0.00 105
    2023-03-01 $158,750 (13.8%) $270,143 (-0.8%) 0.00 101
    2023-04-01 $152,000 (-2.5%) $267,613 (10.0%) 0.00 94
    2023-05-01 $152,475 (4.3%) $258,990 (11.6%) 0.00 84
    2023-06-01 $153,175 (3.0%) $247,033 (8.0%) 0.00 87
    2023-07-01 $167,400 (5.4%) $266,753 (13.1%) 0.00 103
    2023-08-01 $149,950 (-5.8%) $247,687 (7.3%) 0.00 108
    2023-09-01 $152,450 (2.2%) $255,257 (7.4%) 0.00 112
    2023-10-01 $158,650 (12.5%) $254,272 (10.7%) 0.00 116
    2023-11-01 $146,575 (0.2%) $230,632 (-5.6%) 0.00 116
    2023-12-01 $140,500 (-2.4%) $239,684 (-5.2%) 0.00 107
    2024-01-01 $141,850 (-4.0%) $241,520 (-4.9%) 0.00 98
    2024-02-01 $147,175 (2.8%) $250,055 (-2.9%) 0.00 90
    2024-03-01 $162,500 (2.4%) $275,887 (2.1%) 0.00 95
    2024-04-01 $177,950 (17.1%) $296,778 (10.9%) 0.00 92
    2024-05-01 $176,000 (15.4%) $291,567 (12.6%) 0.00 95
    2024-06-01 $194,250 (26.8%) $287,720 (16.5%) 0.00 107
    2024-07-01 $199,950 (19.4%) $286,382 (7.4%) 0.00 123
    2024-08-01 $180,000 (20.0%) $273,930 (10.6%) 0.00 140
    2024-09-01 $184,900 (21.3%) $268,967 (5.4%) 0.00 140
    2024-10-01 $170,975 (7.8%) $241,594 (-5.0%) 0.00 142
    Dubois's median listing price for 2024-10-01 was $170,975, a difference of $12,325 (7.8%) versus the prior year and $-13,925 versus the prior month.

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

    Dubois's average listing price for 2024-10-01 was $241,594, a difference of $-12,678 (-5.0%) versus the prior year and $-27,373 versus the prior month.

    For the 2024-10-01 period, Dubois had 142 MLS listings, a difference of 2 listings (1%) versus the prior month and 26 listings (22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dubois (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,746 sqft
    2018-02-01 0 days 1,735 sqft
    2018-03-01 0 days 1,816 sqft
    2018-04-01 0 days 1,843 sqft
    2018-05-01 0 days 1,825 sqft
    2018-06-01 0 days 1,800 sqft
    2018-07-01 0 days 1,819 sqft
    2018-08-01 0 days 1,821 sqft
    2018-09-01 0 days 1,800 sqft
    2018-10-01 0 days 1,778 sqft
    2018-11-01 0 days 1,727 sqft
    2018-12-01 0 days 1,696 sqft
    2019-01-01 0 days 1,658 sqft
    2019-02-01 0 days 1,658 sqft
    2019-03-01 0 days 1,706 sqft
    2019-04-01 0 days 1,746 sqft
    2019-05-01 0 days 1,680 sqft
    2019-06-01 0 days 1,705 sqft
    2019-07-01 0 days 1,720 sqft
    2019-08-01 0 days 1,733 sqft
    2019-09-01 0 days 1,731 sqft
    2019-10-01 0 days 1,723 sqft
    2019-11-01 0 days 1,664 sqft
    2019-12-01 0 days 1,655 sqft
    2020-01-01 0 days 1,657 sqft
    2020-02-01 0 days 1,662 sqft
    2020-03-01 0 days 1,656 sqft
    2020-04-01 0 days 1,663 sqft
    2020-05-01 0 days 1,688 sqft
    2020-06-01 0 days 1,714 sqft
    2020-07-01 0 days 1,752 sqft
    2020-08-01 0 days 1,664 sqft
    2020-09-01 0 days 1,676 sqft
    2020-10-01 0 days 1,696 sqft
    2020-11-01 0 days 1,605 sqft
    2020-12-01 0 days 1,576 sqft
    2021-01-01 0 days 1,536 sqft
    2021-02-01 0 days 1,581 sqft
    2021-03-01 0 days 1,558 sqft
    2021-04-01 0 days 1,572 sqft
    2021-05-01 0 days 1,506 sqft
    2021-06-01 0 days 1,643 sqft
    2021-07-01 0 days 1,650 sqft
    2021-08-01 0 days 1,680 sqft
    2021-09-01 0 days 1,669 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,842 sqft
    2021-12-01 0 days 1,725 sqft
    2022-01-01 0 days 1,613 sqft
    2022-02-01 0 days 1,602 sqft
    2022-03-01 0 days 1,650 sqft
    2022-04-01 0 days 1,755 sqft
    2022-05-01 0 days 1,551 sqft
    2022-06-01 0 days 1,539 sqft
    2022-07-01 0 days 1,721 sqft
    2022-08-01 0 days 1,684 sqft
    2022-09-01 0 days 1,661 sqft
    2022-10-01 0 days 1,578 sqft
    2022-11-01 0 days 1,679 sqft
    2022-12-01 0 days 1,732 sqft
    2023-01-01 0 days 1,659 sqft
    2023-02-01 0 days 1,668 sqft
    2023-03-01 0 days 1,686 sqft
    2023-04-01 0 days 1,645 sqft
    2023-05-01 0 days 1,624 sqft
    2023-06-01 0 days 1,668 sqft
    2023-07-01 0 days 1,754 sqft
    2023-08-01 0 days 1,619 sqft
    2023-09-01 0 days 1,636 sqft
    2023-10-01 0 days 1,754 sqft
    2023-11-01 0 days 1,534 sqft
    2023-12-01 0 days 1,581 sqft
    2024-01-01 0 days 1,568 sqft
    2024-02-01 0 days 1,740 sqft
    2024-03-01 0 days 1,800 sqft
    2024-04-01 0 days 1,832 sqft
    2024-05-01 0 days 1,832 sqft
    2024-06-01 0 days 1,848 sqft
    2024-07-01 0 days 1,718 sqft
    2024-08-01 0 days 1,742 sqft
    2024-09-01 0 days 1,751 sqft
    2024-10-01 0 days 1,715 sqft
    Dubois's median listing age (time on market) for 2024-10-01 was 0 days.

    Dubois's median square footage for active listings during the 2024-10-01 period was 1,715 sqft. One year prior, the average listing was 1,754 sqft.