Dyersburg USDA Loan Rates, Closing Costs & Stats

Dyersburg, TN

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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.

    Dyersburg's 12 lenders originated 41 USDA loans during 2023. The total origination value was $6,875,000, with an average USDA loan value of $167,683.

    Dyersburg USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Dyersburg averaged 5.95% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Dyersburg's average USDA mortgage closing costs are $3,997.

    The average rate for the prior week (2024-12-06) was 6.19% and one month ago for the week of 2024-11-08, the average rate was 6.31%.

    The average rate one year ago was 6.77%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.4%.

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

    Dyersburg 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 Dyersburg level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Leaders Credit Union 19 6.09% $5,282
    First Citizens National Bank 3 5.71% $6,341
    MID AMERICA MORTGAGE, INC. 2 6.13% $3,428
    Regions Bank 2 7.00% $4,514
    EVERETT FINANCIAL, INC. 2 5.88% $5,518
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 5.75% $11,927
    AMERICAN FINANCIAL NETWORK, INC. 1 5.25% $8,981
    STOCKTON MORTGAGE CORPORATION 1 6.75% $5,375
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.75% $7,010
    Bank of England 1 5.63% $8,144
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.63% $5,226
    Simmons Bank 1 6.50% $5,606

    The top Dyersburg USDA lender as defined by loan originations is Leaders Credit Union, with 19 USDA loans originated. Their average total fees are $5,282, which is $1,060 lower than the next largest lender, First Citizens National Bank.

    The lowest fee Dyersburg USDA lenders (with over 10 loans originated) are Leaders Credit Union ($5,282), .

    The lowest rate Dyersburg USDA lenders (with over 10 loans originated) are Leaders Credit Union (6.09%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dyersburg (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 $115,500 (-11.5%) $141,566 (-6.0%) 0.00 111
    2018-02-01 $112,425 (-13.3%) $144,130 (-5.3%) 0.00 110
    2018-03-01 $118,500 (-8.8%) $145,600 (-5.9%) 0.00 102
    2018-04-01 $127,400 (-5.3%) $152,310 (-0.2%) 0.00 117
    2018-05-01 $126,700 (-5.2%) $154,104 (-0.4%) 0.00 130
    2018-06-01 $133,500 (-4.3%) $162,459 (1.4%) 0.00 131
    2018-07-01 $133,500 (2.8%) $157,814 (2.9%) 0.00 133
    2018-08-01 $132,450 (4.0%) $154,272 (3.5%) 0.00 135
    2018-09-01 $136,700 (9.8%) $155,215 (5.6%) 0.00 140
    2018-10-01 $148,650 (22.7%) $165,813 (15.2%) 0.00 137
    2018-11-01 $136,000 (13.4%) $159,651 (10.7%) 0.00 141
    2018-12-01 $138,000 (17.0%) $160,570 (10.4%) 0.00 133
    2019-01-01 $139,900 (21.1%) $161,815 (14.3%) 0.00 121
    2019-02-01 $144,200 (28.3%) $165,088 (14.5%) 0.00 119
    2019-03-01 $154,186 (30.1%) $168,642 (15.8%) 0.00 115
    2019-04-01 $159,900 (25.5%) $169,778 (11.5%) 0.00 119
    2019-05-01 $157,400 (24.2%) $172,385 (11.9%) 0.00 122
    2019-06-01 $154,700 (15.9%) $173,422 (6.8%) 0.00 114
    2019-07-01 $134,975 (1.1%) $164,315 (4.1%) 0.00 105
    2019-08-01 $139,091 (5.0%) $162,871 (5.6%) 0.00 104
    2019-09-01 $145,227 (6.2%) $160,657 (3.5%) 0.00 104
    2019-10-01 $150,000 (0.9%) $159,439 (-3.8%) 0.00 106
    2019-11-01 $154,900 (13.9%) $165,472 (3.7%) 0.00 100
    2019-12-01 $152,425 (10.5%) $168,804 (5.1%) 0.00 86
    2020-01-01 $149,900 (7.2%) $164,682 (1.8%) 0.00 89
    2020-02-01 $138,700 (-3.8%) $155,846 (-5.6%) 0.00 80
    2020-03-01 $143,000 (-7.3%) $150,409 (-10.8%) 0.00 80
    2020-04-01 $148,950 (-6.9%) $156,599 (-7.8%) 0.00 77
    2020-05-01 $149,250 (-5.2%) $161,292 (-6.4%) 0.00 80
    2020-06-01 $164,550 (6.4%) $178,677 (3.0%) 0.00 62
    2020-07-01 $161,450 (19.6%) $171,369 (4.3%) 0.00 62
    2020-08-01 $131,200 (-5.7%) $165,520 (1.6%) 0.00 59
    2020-09-01 $132,450 (-8.8%) $164,942 (2.7%) 0.00 39
    2020-10-01 $117,400 (-21.7%) $145,814 (-8.6%) 0.00 36
    2020-11-01 $119,000 (-23.2%) $151,340 (-8.5%) 0.00 39
    2020-12-01 $107,250 (-29.6%) $151,791 (-10.1%) 0.00 38
    2021-01-01 $104,950 (-30.0%) $138,903 (-15.7%) 0.00 34
    2021-02-01 $94,500 (-31.9%) $126,282 (-19.0%) 0.00 38
    2021-03-01 $78,000 (-45.5%) $130,358 (-13.3%) 0.00 32
    2021-04-01 $130,125 (-12.6%) $181,957 (16.2%) 0.00 27
    2021-05-01 $149,400 (0.1%) $213,950 (32.7%) 0.00 23
    2021-06-01 $134,450 (-18.3%) $188,250 (5.4%) 0.00 39
    2021-07-01 $139,900 (-13.4%) $188,666 (10.1%) 0.00 44
    2021-08-01 $139,500 (6.3%) $172,890 (4.5%) 0.00 53
    2021-09-01 $151,150 (14.1%) $177,651 (7.7%) 0.00 57
    2021-10-01 $154,900 (31.9%) $182,128 (24.9%) 0.00 48
    2021-11-01 $117,300 (-1.4%) $169,215 (11.8%) 0.00 50
    2021-12-01 $99,450 (-7.3%) $148,042 (-2.5%) 0.00 58
    2022-01-01 $85,000 (-19.0%) $135,140 (-2.7%) 0.00 48
    2022-02-01 $117,500 (24.3%) $153,827 (21.8%) 0.00 42
    2022-03-01 $136,175 (74.6%) $172,291 (32.2%) 0.00 37
    2022-04-01 $154,950 (19.1%) $184,703 (1.5%) 0.00 46
    2022-05-01 $171,950 (15.1%) $199,708 (-6.7%) 0.00 51
    2022-06-01 $158,450 (17.9%) $202,585 (7.6%) 0.00 49
    2022-07-01 $159,000 (13.7%) $215,137 (14.0%) 0.00 57
    2022-08-01 $198,650 (42.4%) $241,876 (39.9%) 0.00 68
    2022-09-01 $231,925 (53.4%) $254,783 (43.4%) 0.00 74
    2022-10-01 $239,500 (54.6%) $261,365 (43.5%) 0.00 70
    2022-11-01 $226,925 (93.5%) $253,377 (49.7%) 0.00 75
    2022-12-01 $247,250 (148.6%) $261,697 (76.8%) 0.00 71
    2023-01-01 $248,450 (192.3%) $255,585 (89.1%) 0.00 68
    2023-02-01 $238,950 (103.4%) $245,211 (59.4%) 0.00 54
    2023-03-01 $241,150 (77.1%) $239,532 (39.0%) 0.00 52
    2023-04-01 $226,200 (46.0%) $236,987 (28.3%) 0.00 53
    2023-05-01 $229,900 (33.7%) $236,862 (18.6%) 0.00 53
    2023-06-01 $235,975 (48.9%) $244,924 (20.9%) 0.00 65
    2023-07-01 $224,250 (41.0%) $254,703 (18.4%) 0.00 54
    2023-08-01 $232,300 (16.9%) $246,567 (1.9%) 0.00 62
    2023-09-01 $214,950 (-7.3%) $222,427 (-12.7%) 0.00 71
    2023-10-01 $197,975 (-17.3%) $215,769 (-17.5%) 0.00 70
    2023-11-01 $194,450 (-14.3%) $214,259 (-15.4%) 0.00 77
    2023-12-01 $184,900 (-25.2%) $221,346 (-15.4%) 0.00 80
    2024-01-01 $189,825 (-23.6%) $225,176 (-11.9%) 0.00 83
    2024-02-01 $198,975 (-16.7%) $226,582 (-7.6%) 0.00 69
    2024-03-01 $224,900 (-6.7%) $262,599 (9.6%) 0.00 67
    2024-04-01 $232,325 (2.7%) $257,581 (8.7%) 0.00 81
    2024-05-01 $237,975 (3.5%) $253,099 (6.9%) 0.00 79
    2024-06-01 $229,900 (-2.6%) $244,189 (-0.3%) 0.00 82
    2024-07-01 $232,450 (3.7%) $251,269 (-1.4%) 0.00 73
    2024-08-01 $229,900 (-1.0%) $248,398 (0.7%) 0.00 80
    2024-09-01 $229,675 (6.9%) $252,644 (13.6%) 0.00 81
    2024-10-01 $226,500 (14.4%) $246,279 (14.1%) 0.00 86
    2024-11-01 $229,900 (18.2%) $255,780 (19.4%) 0.00 71
    Dyersburg's median listing price for 2024-11-01 was $229,900, a difference of $35,450 (18.2%) versus the prior year and $3,400 versus the prior month.

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

    Dyersburg's average listing price for 2024-11-01 was $255,780, a difference of $41,521 (19.4%) versus the prior year and $9,501 versus the prior month.

    For the 2024-11-01 period, Dyersburg had 71 MLS listings, a difference of -15 listings (-17%) versus the prior month and -6 listings (-8%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dyersburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,665 sqft
    2018-02-01 0 days 1,655 sqft
    2018-03-01 0 days 1,648 sqft
    2018-04-01 0 days 1,673 sqft
    2018-05-01 0 days 1,648 sqft
    2018-06-01 0 days 1,778 sqft
    2018-07-01 0 days 1,769 sqft
    2018-08-01 0 days 1,769 sqft
    2018-09-01 0 days 1,792 sqft
    2018-10-01 0 days 1,947 sqft
    2018-11-01 0 days 1,865 sqft
    2018-12-01 0 days 1,902 sqft
    2019-01-01 0 days 1,847 sqft
    2019-02-01 0 days 1,843 sqft
    2019-03-01 0 days 1,847 sqft
    2019-04-01 0 days 1,841 sqft
    2019-05-01 0 days 1,882 sqft
    2019-06-01 0 days 1,928 sqft
    2019-07-01 0 days 1,848 sqft
    2019-08-01 0 days 1,865 sqft
    2019-09-01 0 days 1,902 sqft
    2019-10-01 0 days 1,927 sqft
    2019-11-01 0 days 1,946 sqft
    2019-12-01 0 days 1,990 sqft
    2020-01-01 0 days 2,022 sqft
    2020-02-01 0 days 1,883 sqft
    2020-03-01 0 days 1,862 sqft
    2020-04-01 0 days 1,962 sqft
    2020-05-01 0 days 1,915 sqft
    2020-06-01 0 days 1,990 sqft
    2020-07-01 0 days 2,089 sqft
    2020-08-01 0 days 1,937 sqft
    2020-09-01 0 days 2,073 sqft
    2020-10-01 0 days 1,539 sqft
    2020-11-01 0 days 1,604 sqft
    2020-12-01 0 days 1,696 sqft
    2021-01-01 0 days 1,512 sqft
    2021-02-01 0 days 1,477 sqft
    2021-03-01 0 days 1,440 sqft
    2021-04-01 0 days 1,670 sqft
    2021-05-01 0 days 1,891 sqft
    2021-06-01 0 days 1,620 sqft
    2021-07-01 0 days 1,642 sqft
    2021-08-01 0 days 1,683 sqft
    2021-09-01 0 days 1,801 sqft
    2021-10-01 0 days 1,729 sqft
    2021-11-01 0 days 1,510 sqft
    2021-12-01 0 days 1,475 sqft
    2022-01-01 0 days 1,392 sqft
    2022-02-01 0 days 1,695 sqft
    2022-03-01 0 days 1,677 sqft
    2022-04-01 0 days 1,660 sqft
    2022-05-01 0 days 1,696 sqft
    2022-06-01 0 days 1,732 sqft
    2022-07-01 0 days 1,782 sqft
    2022-08-01 0 days 1,840 sqft
    2022-09-01 0 days 1,871 sqft
    2022-10-01 0 days 1,892 sqft
    2022-11-01 0 days 1,876 sqft
    2022-12-01 0 days 2,022 sqft
    2023-01-01 0 days 2,025 sqft
    2023-02-01 0 days 1,875 sqft
    2023-03-01 0 days 1,938 sqft
    2023-04-01 0 days 1,933 sqft
    2023-05-01 0 days 1,943 sqft
    2023-06-01 0 days 1,922 sqft
    2023-07-01 0 days 1,987 sqft
    2023-08-01 0 days 1,999 sqft
    2023-09-01 0 days 1,869 sqft
    2023-10-01 0 days 1,876 sqft
    2023-11-01 0 days 1,840 sqft
    2023-12-01 0 days 1,633 sqft
    2024-01-01 0 days 1,635 sqft
    2024-02-01 0 days 1,721 sqft
    2024-03-01 0 days 1,789 sqft
    2024-04-01 0 days 1,780 sqft
    2024-05-01 0 days 1,805 sqft
    2024-06-01 0 days 1,731 sqft
    2024-07-01 0 days 1,727 sqft
    2024-08-01 0 days 1,678 sqft
    2024-09-01 0 days 1,695 sqft
    2024-10-01 0 days 1,710 sqft
    2024-11-01 0 days 1,645 sqft
    Dyersburg's median listing age (time on market) for 2024-11-01 was 0 days.

    Dyersburg's median square footage for active listings during the 2024-11-01 period was 1,645 sqft. One year prior, the average listing was 1,840 sqft.