East Stroudsburg USDA Loan Rates, Closing Costs & Stats
EAST STROUDSBURG, PA
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.
East Stroudsburg's 13 lenders originated 16 USDA loans during 2024. The total origination value was $3,710,000, with an average USDA loan value of $231,875.
East Stroudsburg USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in East Stroudsburg
averaged
6.95%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
East Stroudsburg's average USDA mortgage closing costs are $6,127.
The average rate for the prior week (2025-05-16) was
6.98% and
one month ago for the week of 2025-04-18, the
average rate was 6.87%.
The average rate one year ago was 6.94%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.29%.
East Stroudsburg 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 East Stroudsburg level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 6.25% | $10,517 |
| NEWREZ LLC | 2 | 6.75% | $6,881 |
| BOND STREET MORTGAGE, LLC | 1 | 6.25% | $7,940 |
| BROKER SOLUTIONS, INC. | 1 | 5.75% | $18,325 |
| CMG MORTGAGE, INC. | 1 | 6.50% | $10,280 |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | 6.99% | $4,779 |
| Ixonia Bank | 1 | 5.50% | $8,145 |
| Northpointe Bank | 1 | 5.75% | $8,512 |
| PINNACLE MORTGAGE, INC. | 1 | 7.49% | $4,677 |
| UNION HOME MORTGAGE CORP. | 1 | 6.38% | $10,446 |
| Acre Mortgage and Financial Inc | 1 | 7.63% | $12,806 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 5.74% | $14,837 |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | 7.13% | $8,192 |
The top East Stroudsburg USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with
2 USDA loans originated. Their average total fees are
$10,517, which is $3,636
higher than the next largest lender,
NEWREZ LLC.
The lowest fee East Stroudsburg USDA lenders (with over 10 loans originated) are
.
The lowest rate East Stroudsburg USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - East Stroudsburg (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 | $159,928 (1.0%) | $200,111 (3.9%) | 0.59 | 1,448 |
| 2018-02-01 | $159,907 (0.1%) | $201,246 (3.3%) | 0.58 | 1,351 |
| 2018-03-01 | $163,700 (2.4%) | $204,538 (2.7%) | 0.57 | 1,338 |
| 2018-04-01 | $168,000 (1.9%) | $206,632 (1.4%) | 0.57 | 1,384 |
| 2018-05-01 | $169,100 (1.9%) | $206,021 (0.4%) | 0.56 | 1,506 |
| 2018-06-01 | $168,400 (-0.4%) | $206,782 (1.1%) | 0.56 | 1,607 |
| 2018-07-01 | $171,525 (1.5%) | $209,909 (2.1%) | 0.57 | 1,682 |
| 2018-08-01 | $171,375 (0.9%) | $209,341 (1.8%) | 0.57 | 1,719 |
| 2018-09-01 | $172,350 (1.7%) | $211,525 (3.9%) | 0.58 | 1,677 |
| 2018-10-01 | $176,450 (4.2%) | $215,452 (5.2%) | 0.60 | 1,601 |
| 2018-11-01 | $179,450 (7.5%) | $215,614 (6.5%) | 0.61 | 1,517 |
| 2018-12-01 | $175,000 (6.7%) | $211,818 (5.1%) | 0.60 | 1,399 |
| 2019-01-01 | $173,738 (8.6%) | $208,110 (4.0%) | 0.60 | 1,274 |
| 2019-02-01 | $177,000 (10.7%) | $213,512 (6.1%) | 0.60 | 1,227 |
| 2019-03-01 | $178,914 (9.3%) | $215,877 (5.5%) | 0.59 | 1,230 |
| 2019-04-01 | $178,914 (6.5%) | $217,011 (5.0%) | 0.57 | 1,293 |
| 2019-05-01 | $179,900 (6.4%) | $218,911 (6.3%) | 0.56 | 1,402 |
| 2019-06-01 | $179,900 (6.8%) | $218,392 (5.6%) | 0.56 | 1,578 |
| 2019-07-01 | $179,900 (4.9%) | $216,663 (3.2%) | 0.56 | 1,655 |
| 2019-08-01 | $181,337 (5.8%) | $218,557 (4.4%) | 0.57 | 1,664 |
| 2019-09-01 | $183,397 (6.4%) | $218,237 (3.2%) | 0.59 | 1,652 |
| 2019-10-01 | $185,450 (5.1%) | $217,202 (0.8%) | 0.60 | 1,622 |
| 2019-11-01 | $189,000 (5.3%) | $223,439 (3.6%) | 0.62 | 1,449 |
| 2019-12-01 | $185,450 (6.0%) | $221,950 (4.8%) | 0.62 | 1,290 |
| 2020-01-01 | $186,175 (7.2%) | $224,759 (8.0%) | 0.62 | 1,185 |
| 2020-02-01 | $189,900 (7.3%) | $230,631 (8.0%) | 0.62 | 1,105 |
| 2020-03-01 | $195,000 (9.0%) | $232,634 (7.8%) | 0.61 | 1,086 |
| 2020-04-01 | $199,000 (11.2%) | $236,277 (8.9%) | 0.62 | 1,010 |
| 2020-05-01 | $199,900 (11.1%) | $237,040 (8.3%) | 0.61 | 1,015 |
| 2020-06-01 | $211,500 (17.6%) | $247,009 (13.1%) | 0.62 | 965 |
| 2020-07-01 | $219,450 (22.0%) | $257,046 (18.6%) | 0.64 | 801 |
| 2020-08-01 | $225,000 (24.1%) | $277,035 (26.8%) | 0.64 | 679 |
| 2020-09-01 | $229,900 (25.4%) | $290,371 (33.1%) | 0.66 | 622 |
| 2020-10-01 | $239,999 (29.4%) | $295,459 (36.0%) | 0.69 | 600 |
| 2020-11-01 | $242,725 (28.4%) | $299,841 (34.2%) | 0.71 | 588 |
| 2020-12-01 | $252,246 (36.0%) | $310,207 (39.8%) | 0.75 | 549 |
| 2021-01-01 | $265,000 (42.3%) | $336,217 (49.6%) | 0.79 | 434 |
| 2021-02-01 | $279,000 (46.9%) | $350,224 (51.9%) | 0.81 | 368 |
| 2021-03-01 | $279,000 (43.1%) | $349,556 (50.3%) | 0.79 | 367 |
| 2021-04-01 | $279,450 (40.4%) | $346,233 (46.5%) | 0.76 | 414 |
| 2021-05-01 | $279,000 (39.6%) | $334,593 (41.2%) | 0.74 | 503 |
| 2021-06-01 | $279,950 (32.4%) | $341,550 (38.3%) | 0.74 | 577 |
| 2021-07-01 | $289,900 (32.1%) | $355,055 (38.1%) | 0.76 | 691 |
| 2021-08-01 | $289,900 (28.8%) | $362,414 (30.8%) | 0.77 | 739 |
| 2021-09-01 | $297,000 (29.2%) | $373,819 (28.7%) | 0.79 | 713 |
| 2021-10-01 | $295,000 (22.9%) | $375,002 (26.9%) | 0.79 | 666 |
| 2021-11-01 | $298,700 (23.1%) | $376,147 (25.5%) | 0.80 | 591 |
| 2021-12-01 | $299,900 (18.9%) | $396,548 (27.8%) | 0.81 | 491 |
| 2022-01-01 | $319,950 (20.7%) | $415,145 (23.5%) | 0.87 | 408 |
| 2022-02-01 | $324,975 (16.5%) | $426,615 (21.8%) | 0.85 | 348 |
| 2022-03-01 | $325,000 (16.5%) | $416,897 (19.3%) | 0.81 | 366 |
| 2022-04-01 | $335,000 (19.9%) | $405,225 (17.0%) | 0.80 | 438 |
| 2022-05-01 | $349,950 (25.4%) | $402,600 (20.3%) | 0.80 | 563 |
| 2022-06-01 | $349,900 (25.0%) | $399,767 (17.1%) | 0.78 | 690 |
| 2022-07-01 | $349,900 (20.7%) | $406,466 (14.5%) | 0.79 | 842 |
| 2022-08-01 | $349,900 (20.7%) | $400,596 (10.5%) | 0.81 | 846 |
| 2022-09-01 | $348,750 (17.4%) | $398,663 (6.7%) | 0.82 | 859 |
| 2022-10-01 | $348,000 (18.0%) | $393,578 (5.0%) | 0.82 | 833 |
| 2022-11-01 | $336,125 (12.5%) | $399,085 (6.1%) | 0.81 | 779 |
| 2022-12-01 | $330,000 (10.0%) | $395,769 (-0.2%) | 0.81 | 726 |
| 2023-01-01 | $329,950 (3.1%) | $395,729 (-4.7%) | 0.82 | 643 |
| 2023-02-01 | $330,000 (1.6%) | $398,484 (-6.6%) | 0.80 | 595 |
| 2023-03-01 | $342,250 (5.3%) | $404,591 (-3.0%) | 0.81 | 556 |
| 2023-04-01 | $350,000 (4.5%) | $418,872 (3.4%) | 0.81 | 577 |
| 2023-05-01 | $350,000 (0.0%) | $423,140 (5.1%) | 0.79 | 629 |
| 2023-06-01 | $355,000 (1.5%) | $416,751 (4.3%) | 0.80 | 698 |
| 2023-07-01 | $359,000 (2.6%) | $413,882 (1.8%) | 0.82 | 762 |
| 2023-08-01 | $359,498 (2.7%) | $424,797 (6.0%) | 0.83 | 776 |
| 2023-09-01 | $359,900 (3.2%) | $424,013 (6.4%) | 0.84 | 819 |
| 2023-10-01 | $355,000 (2.0%) | $418,575 (6.4%) | 0.84 | 829 |
| 2023-11-01 | $350,000 (4.1%) | $417,793 (4.7%) | 0.83 | 821 |
| 2023-12-01 | $350,000 (6.1%) | $416,332 (5.2%) | 0.85 | 765 |
| 2024-01-01 | $349,975 (6.1%) | $412,851 (4.3%) | 0.85 | 723 |
| 2024-02-01 | $349,900 (6.0%) | $408,065 (2.4%) | 0.84 | 693 |
| 2024-03-01 | $349,000 (2.0%) | $399,814 (-1.2%) | 0.82 | 662 |
| 2024-04-01 | $349,900 (0.0%) | $401,727 (-4.1%) | 0.81 | 748 |
| 2024-05-01 | $352,000 (0.6%) | $409,565 (-3.2%) | 0.80 | 816 |
| 2024-06-01 | $354,750 (-0.1%) | $413,531 (-0.8%) | 0.81 | 918 |
| 2024-07-01 | $350,000 (-2.5%) | $417,286 (0.8%) | 0.80 | 1,014 |
| 2024-08-01 | $355,000 (-1.3%) | $419,962 (-1.1%) | 0.83 | 1,023 |
| 2024-09-01 | $359,900 (0.0%) | $416,808 (-1.7%) | 0.85 | 1,012 |
| 2024-10-01 | $360,000 (1.4%) | $415,783 (-0.7%) | 0.85 | 1,022 |
| 2024-11-01 | $359,900 (2.8%) | $417,440 (-0.1%) | 0.86 | 914 |
| 2024-12-01 | $357,000 (2.0%) | $422,738 (1.5%) | 0.89 | 841 |
| 2025-01-01 | $352,450 (0.7%) | $422,915 (2.4%) | 0.88 | 767 |
| 2025-02-01 | $350,500 (0.2%) | $422,926 (3.6%) | 0.85 | 747 |
| 2025-03-01 | $355,000 (1.7%) | $420,430 (5.2%) | 0.84 | 743 |
| 2025-04-01 | $359,175 (2.7%) | $421,993 (5.0%) | 0.83 | 783 |
East Stroudsburg's median listing price comes in at 83% of the national average.
East Stroudsburg's average listing price for 2025-04-01 was $421,993, a difference of $20,266 (5.0%) versus the prior year and $1,563 versus the prior month.
For the 2025-04-01 period, East Stroudsburg had 783 MLS listings, a difference of 40 listings (5%) versus the prior month and 35 listings (5%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - East Stroudsburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 106 days | 1,801 sqft |
| 2018-02-01 | 109 days | 1,792 sqft |
| 2018-03-01 | 100 days | 1,789 sqft |
| 2018-04-01 | 76 days | 1,820 sqft |
| 2018-05-01 | 62 days | 1,828 sqft |
| 2018-06-01 | 66 days | 1,820 sqft |
| 2018-07-01 | 67 days | 1,825 sqft |
| 2018-08-01 | 72 days | 1,820 sqft |
| 2018-09-01 | 83 days | 1,836 sqft |
| 2018-10-01 | 92 days | 1,848 sqft |
| 2018-11-01 | 95 days | 1,860 sqft |
| 2018-12-01 | 105 days | 1,838 sqft |
| 2019-01-01 | 106 days | 1,809 sqft |
| 2019-02-01 | 109 days | 1,831 sqft |
| 2019-03-01 | 94 days | 1,835 sqft |
| 2019-04-01 | 72 days | 1,845 sqft |
| 2019-05-01 | 64 days | 1,880 sqft |
| 2019-06-01 | 61 days | 1,875 sqft |
| 2019-07-01 | 68 days | 1,883 sqft |
| 2019-08-01 | 75 days | 1,893 sqft |
| 2019-09-01 | 82 days | 1,897 sqft |
| 2019-10-01 | 88 days | 1,900 sqft |
| 2019-11-01 | 92 days | 1,896 sqft |
| 2019-12-01 | 100 days | 1,874 sqft |
| 2020-01-01 | 107 days | 1,879 sqft |
| 2020-02-01 | 110 days | 1,884 sqft |
| 2020-03-01 | 91 days | 1,889 sqft |
| 2020-04-01 | 100 days | 1,900 sqft |
| 2020-05-01 | 109 days | 1,900 sqft |
| 2020-06-01 | 100 days | 1,940 sqft |
| 2020-07-01 | 66 days | 1,943 sqft |
| 2020-08-01 | 64 days | 1,973 sqft |
| 2020-09-01 | 54 days | 2,017 sqft |
| 2020-10-01 | 51 days | 1,928 sqft |
| 2020-11-01 | 53 days | 1,903 sqft |
| 2020-12-01 | 68 days | 1,950 sqft |
| 2021-01-01 | 82 days | 2,002 sqft |
| 2021-02-01 | 79 days | 2,040 sqft |
| 2021-03-01 | 65 days | 2,016 sqft |
| 2021-04-01 | 40 days | 1,966 sqft |
| 2021-05-01 | 32 days | 1,933 sqft |
| 2021-06-01 | 39 days | 1,919 sqft |
| 2021-07-01 | 37 days | 1,912 sqft |
| 2021-08-01 | 45 days | 1,992 sqft |
| 2021-09-01 | 52 days | 1,981 sqft |
| 2021-10-01 | 64 days | 1,932 sqft |
| 2021-11-01 | 73 days | 1,948 sqft |
| 2021-12-01 | 89 days | 1,924 sqft |
| 2022-01-01 | 85 days | 1,996 sqft |
| 2022-02-01 | 73 days | 1,968 sqft |
| 2022-03-01 | 39 days | 1,955 sqft |
| 2022-04-01 | 33 days | 1,920 sqft |
| 2022-05-01 | 32 days | 1,910 sqft |
| 2022-06-01 | 35 days | 1,967 sqft |
| 2022-07-01 | 39 days | 1,962 sqft |
| 2022-08-01 | 49 days | 1,960 sqft |
| 2022-09-01 | 58 days | 1,960 sqft |
| 2022-10-01 | 64 days | 1,972 sqft |
| 2022-11-01 | 70 days | 1,974 sqft |
| 2022-12-01 | 80 days | 1,972 sqft |
| 2023-01-01 | 79 days | 1,926 sqft |
| 2023-02-01 | 72 days | 1,872 sqft |
| 2023-03-01 | 62 days | 1,882 sqft |
| 2023-04-01 | 55 days | 1,905 sqft |
| 2023-05-01 | 48 days | 1,865 sqft |
| 2023-06-01 | 49 days | 1,871 sqft |
| 2023-07-01 | 50 days | 1,901 sqft |
| 2023-08-01 | 54 days | 1,934 sqft |
| 2023-09-01 | 57 days | 1,950 sqft |
| 2023-10-01 | 58 days | 1,930 sqft |
| 2023-11-01 | 62 days | 1,924 sqft |
| 2023-12-01 | 74 days | 1,920 sqft |
| 2024-01-01 | 79 days | 1,908 sqft |
| 2024-02-01 | 74 days | 1,902 sqft |
| 2024-03-01 | 64 days | 1,873 sqft |
| 2024-04-01 | 54 days | 1,912 sqft |
| 2024-05-01 | 51 days | 1,925 sqft |
| 2024-06-01 | 51 days | 1,955 sqft |
| 2024-07-01 | 54 days | 1,930 sqft |
| 2024-08-01 | 60 days | 1,944 sqft |
| 2024-09-01 | 67 days | 1,929 sqft |
| 2024-10-01 | 70 days | 1,924 sqft |
| 2024-11-01 | 72 days | 1,897 sqft |
| 2024-12-01 | 84 days | 1,897 sqft |
| 2025-01-01 | 88 days | 1,839 sqft |
| 2025-02-01 | 86 days | 1,813 sqft |
| 2025-03-01 | 71 days | 1,800 sqft |
| 2025-04-01 | 52 days | 1,795 sqft |
East Stroudsburg's median square footage for active listings during the 2025-04-01 period was 1,795 sqft. One year prior, the average listing was 1,912 sqft.