Dubuque USDA Loan Rates, Closing Costs & Stats

DUBUQUE, IA

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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.

    Dubuque USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Dubuque averaged 6.53% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Dubuque's average USDA mortgage closing costs are $3,753.

    The average rate for the prior week (2024-04-12) was 6.38% and one month ago for the week of 2024-03-15, the average rate was 6.26%.

    The average rate one year ago was 6.1%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.86%.

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

    Dubuque 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 Dubuque level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dubuque (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 $244,700 (22.4%) $263,530 (9.2%) 0.00 208
    2018-02-01 $248,975 (14.7%) $267,697 (6.8%) 0.00 204
    2018-03-01 $269,900 (22.6%) $279,528 (11.2%) 0.00 195
    2018-04-01 $263,650 (19.9%) $278,145 (7.5%) 0.00 209
    2018-05-01 $251,425 (9.4%) $294,135 (12.6%) 0.00 227
    2018-06-01 $264,500 (13.8%) $301,637 (13.4%) 0.00 235
    2018-07-01 $272,125 (23.8%) $308,515 (18.4%) 0.00 243
    2018-08-01 $269,450 (14.8%) $313,476 (17.9%) 0.00 259
    2018-09-01 $257,000 (7.1%) $304,131 (17.0%) 0.00 271
    2018-10-01 $239,450 (0.8%) $293,142 (14.5%) 0.00 276
    2018-11-01 $232,225 (-1.2%) $299,345 (16.3%) 0.00 248
    2018-12-01 $244,900 (4.2%) $301,365 (15.5%) 0.00 202
    2019-01-01 $242,675 (-0.8%) $301,811 (14.5%) 0.00 179
    2019-02-01 $260,250 (4.5%) $311,719 (16.4%) 0.00 174
    2019-03-01 $261,100 (-3.3%) $316,739 (13.3%) 0.00 171
    2019-04-01 $256,700 (-2.6%) $315,914 (13.6%) 0.00 176
    2019-05-01 $279,900 (11.3%) $323,560 (10.0%) 0.00 196
    2019-06-01 $299,900 (13.4%) $332,727 (10.3%) 0.00 215
    2019-07-01 $296,250 (8.9%) $336,596 (9.1%) 0.00 229
    2019-08-01 $279,027 (3.6%) $317,022 (1.1%) 0.00 239
    2019-09-01 $262,643 (2.2%) $300,611 (-1.2%) 0.00 240
    2019-10-01 $256,720 (7.2%) $292,573 (-0.2%) 0.00 240
    2019-11-01 $260,000 (12.0%) $315,898 (5.5%) 0.00 211
    2019-12-01 $259,925 (6.1%) $308,345 (2.3%) 0.00 198
    2020-01-01 $262,425 (8.1%) $320,024 (6.0%) 0.00 173
    2020-02-01 $274,900 (5.6%) $322,711 (3.5%) 0.00 169
    2020-03-01 $278,675 (6.7%) $328,664 (3.8%) 0.00 181
    2020-04-01 $297,175 (15.8%) $338,603 (7.2%) 0.00 168
    2020-05-01 $310,950 (11.1%) $339,209 (4.8%) 0.00 162
    2020-06-01 $319,900 (6.7%) $357,498 (7.4%) 0.00 153
    2020-07-01 $303,000 (2.3%) $347,671 (3.3%) 0.00 137
    2020-08-01 $289,000 (3.6%) $336,056 (6.0%) 0.00 143
    2020-09-01 $285,325 (8.6%) $341,891 (13.7%) 0.00 133
    2020-10-01 $274,900 (7.1%) $330,321 (12.9%) 0.00 126
    2020-11-01 $295,450 (13.6%) $346,282 (9.6%) 0.00 112
    2020-12-01 $307,475 (18.3%) $358,003 (16.1%) 0.00 99
    2021-01-01 $298,000 (13.6%) $362,876 (13.4%) 0.00 92
    2021-02-01 $346,000 (25.9%) $408,050 (26.4%) 0.00 71
    2021-03-01 $319,675 (14.7%) $389,238 (18.4%) 0.00 73
    2021-04-01 $389,225 (31.0%) $435,705 (28.7%) 0.00 74
    2021-05-01 $350,000 (12.6%) $414,188 (22.1%) 0.00 85
    2021-06-01 $287,500 (-10.1%) $366,558 (2.5%) 0.00 92
    2021-07-01 $258,500 (-14.7%) $339,264 (-2.4%) 0.00 102
    2021-08-01 $270,500 (-6.4%) $345,280 (2.7%) 0.00 101
    2021-09-01 $265,500 (-7.0%) $331,217 (-3.1%) 0.00 115
    2021-10-01 $279,900 (1.8%) $345,289 (4.5%) 0.00 120
    2021-11-01 $286,575 (-3.0%) $346,461 (0.1%) 0.00 110
    2021-12-01 $318,000 (3.4%) $357,517 (-0.1%) 0.00 81
    2022-01-01 $366,875 (23.1%) $359,135 (-1.0%) 0.00 57
    2022-02-01 $383,363 (10.8%) $363,792 (-10.9%) 0.00 65
    2022-03-01 $341,372 (6.8%) $353,831 (-9.1%) 0.00 75
    2022-04-01 $378,900 (-2.7%) $363,905 (-16.5%) 0.00 83
    2022-05-01 $384,900 (10.0%) $381,303 (-7.9%) 0.00 97
    2022-06-01 $355,875 (23.8%) $360,810 (-1.6%) 0.00 115
    2022-07-01 $349,900 (35.4%) $353,130 (4.1%) 0.00 125
    2022-08-01 $311,888 (15.3%) $352,379 (2.1%) 0.00 123
    2022-09-01 $299,200 (12.7%) $343,251 (3.6%) 0.00 133
    2022-10-01 $297,000 (6.1%) $334,647 (-3.1%) 0.00 142
    2022-11-01 $315,799 (10.2%) $346,984 (0.2%) 0.00 151
    2022-12-01 $329,900 (3.7%) $365,840 (2.3%) 0.00 121
    2023-01-01 $369,900 (0.8%) $386,082 (7.5%) 0.00 95
    2023-02-01 $386,850 (0.9%) $413,016 (13.5%) 0.00 91
    2023-03-01 $366,225 (7.3%) $402,045 (13.6%) 0.00 94
    2023-04-01 $375,000 (-1.0%) $399,828 (9.9%) 0.00 100
    2023-05-01 $404,100 (5.0%) $436,823 (14.6%) 0.00 99
    2023-06-01 $388,725 (9.2%) $432,653 (19.9%) 0.00 104
    2023-07-01 $374,900 (7.1%) $420,806 (19.2%) 0.00 94
    2023-08-01 $347,874 (11.5%) $402,991 (14.4%) 0.00 102
    2023-09-01 $305,000 (1.9%) $348,468 (1.5%) 0.00 134
    2023-10-01 $310,750 (4.6%) $354,569 (6.0%) 0.00 139
    2023-11-01 $313,500 (-0.7%) $350,762 (1.1%) 0.00 129
    2023-12-01 $304,500 (-7.7%) $345,059 (-5.7%) 0.00 124
    2024-01-01 $295,500 (-20.1%) $339,920 (-12.0%) 0.00 114
    2024-02-01 $262,500 (-32.1%) $336,185 (-18.6%) 0.00 116
    2024-03-01 $308,750 (-15.7%) $346,666 (-13.8%) 0.00 125
    Dubuque's median listing price for 2024-03-01 was $308,750, a difference of $-57,475 (-15.7%) versus the prior year and $46,250 versus the prior month.

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

    Dubuque's average listing price for 2024-03-01 was $346,666, a difference of $-55,379 (-13.8%) versus the prior year and $10,481 versus the prior month.

    For the 2024-03-01 period, Dubuque had 125 MLS listings, a difference of 9 listings (8%) versus the prior month and 31 listings (33%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dubuque (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,007 sqft
    2018-02-01 0 days 2,038 sqft
    2018-03-01 0 days 2,087 sqft
    2018-04-01 0 days 2,251 sqft
    2018-05-01 0 days 2,205 sqft
    2018-06-01 0 days 2,198 sqft
    2018-07-01 0 days 2,250 sqft
    2018-08-01 0 days 2,331 sqft
    2018-09-01 0 days 2,264 sqft
    2018-10-01 0 days 2,149 sqft
    2018-11-01 0 days 2,072 sqft
    2018-12-01 0 days 2,022 sqft
    2019-01-01 0 days 1,981 sqft
    2019-02-01 0 days 2,008 sqft
    2019-03-01 0 days 2,092 sqft
    2019-04-01 0 days 2,146 sqft
    2019-05-01 0 days 2,188 sqft
    2019-06-01 0 days 2,306 sqft
    2019-07-01 0 days 2,245 sqft
    2019-08-01 0 days 2,182 sqft
    2019-09-01 0 days 2,111 sqft
    2019-10-01 0 days 2,074 sqft
    2019-11-01 0 days 2,199 sqft
    2019-12-01 0 days 2,072 sqft
    2020-01-01 0 days 1,941 sqft
    2020-02-01 0 days 1,995 sqft
    2020-03-01 0 days 2,182 sqft
    2020-04-01 0 days 2,201 sqft
    2020-05-01 0 days 2,221 sqft
    2020-06-01 0 days 2,300 sqft
    2020-07-01 0 days 2,324 sqft
    2020-08-01 0 days 2,214 sqft
    2020-09-01 0 days 2,227 sqft
    2020-10-01 0 days 2,200 sqft
    2020-11-01 0 days 2,188 sqft
    2020-12-01 0 days 2,146 sqft
    2021-01-01 0 days 2,061 sqft
    2021-02-01 0 days 2,280 sqft
    2021-03-01 0 days 2,261 sqft
    2021-04-01 0 days 2,838 sqft
    2021-05-01 0 days 2,256 sqft
    2021-06-01 0 days 2,032 sqft
    2021-07-01 0 days 1,999 sqft
    2021-08-01 0 days 1,976 sqft
    2021-09-01 0 days 1,856 sqft
    2021-10-01 0 days 1,989 sqft
    2021-11-01 0 days 2,135 sqft
    2021-12-01 0 days 1,991 sqft
    2022-01-01 0 days 1,988 sqft
    2022-02-01 0 days 1,949 sqft
    2022-03-01 0 days 1,884 sqft
    2022-04-01 0 days 1,968 sqft
    2022-05-01 0 days 1,939 sqft
    2022-06-01 0 days 1,989 sqft
    2022-07-01 0 days 1,923 sqft
    2022-08-01 0 days 1,926 sqft
    2022-09-01 0 days 2,089 sqft
    2022-10-01 0 days 2,054 sqft
    2022-11-01 0 days 2,111 sqft
    2022-12-01 0 days 2,010 sqft
    2023-01-01 0 days 2,115 sqft
    2023-02-01 0 days 2,273 sqft
    2023-03-01 0 days 2,202 sqft
    2023-04-01 0 days 2,313 sqft
    2023-05-01 0 days 2,603 sqft
    2023-06-01 0 days 2,448 sqft
    2023-07-01 0 days 2,271 sqft
    2023-08-01 0 days 2,044 sqft
    2023-09-01 0 days 1,975 sqft
    2023-10-01 0 days 1,968 sqft
    2023-11-01 0 days 1,916 sqft
    2023-12-01 0 days 1,841 sqft
    2024-01-01 0 days 1,890 sqft
    2024-02-01 0 days 1,803 sqft
    2024-03-01 0 days 1,773 sqft
    Dubuque's median listing age (time on market) for 2024-03-01 was 0 days.

    Dubuque's median square footage for active listings during the 2024-03-01 period was 1,773 sqft. One year prior, the average listing was 2,202 sqft.