Eau Claire USDA Loan Rates, Closing Costs & Stats
EAU CLAIRE, WI
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.
Eau Claire's 4 lenders originated 6 USDA loans during 2023. The total origination value was $1,000,000, with an average USDA loan value of $166,667.
Eau Claire USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Eau Claire
averaged
6.41%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Eau Claire's average USDA mortgage closing costs are $4,788.
The average rate for the prior week (2025-02-07) was
6.57% and
one month ago for the week of 2025-01-10, the
average rate was 6.31%.
The average rate one year ago was 6.6%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.79%.
Eau Claire 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 Eau Claire level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 6.75% | $6,317 |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | 6.13% | $8,870 |
| Barrington Bank & Trust Company, N.A. | 1 | 6.25% | $6,976 |
| Lend Smart Mortgage, LLC | 1 | 5.50% | $4,172 |
The top Eau Claire USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with
2 USDA loans originated. Their average total fees are
$6,317, which is $2,553
lower than the next largest lender,
AMERICAN PACIFIC MORTGAGE CORPORATION.
The lowest fee Eau Claire USDA lenders (with over 10 loans originated) are
.
The lowest rate Eau Claire USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Eau Claire (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 | $234,500 (6.6%) | $286,821 (3.4%) | 0.87 | 294 |
| 2018-02-01 | $246,400 (4.9%) | $296,035 (0.3%) | 0.89 | 305 |
| 2018-03-01 | $249,900 (3.1%) | $288,572 (-4.0%) | 0.87 | 356 |
| 2018-04-01 | $244,900 (2.1%) | $286,945 (-7.3%) | 0.83 | 358 |
| 2018-05-01 | $250,200 (0.1%) | $290,947 (-8.0%) | 0.83 | 375 |
| 2018-06-01 | $258,900 (4.3%) | $303,249 (-2.2%) | 0.86 | 374 |
| 2018-07-01 | $252,400 (1.0%) | $297,758 (-4.2%) | 0.84 | 428 |
| 2018-08-01 | $249,900 (3.0%) | $293,079 (-3.3%) | 0.84 | 481 |
| 2018-09-01 | $239,900 (2.1%) | $290,121 (-2.9%) | 0.81 | 472 |
| 2018-10-01 | $232,000 (0.9%) | $283,826 (-4.5%) | 0.79 | 476 |
| 2018-11-01 | $229,488 (0.8%) | $283,624 (-3.9%) | 0.78 | 438 |
| 2018-12-01 | $234,900 (2.8%) | $287,007 (4.3%) | 0.81 | 354 |
| 2019-01-01 | $239,675 (2.2%) | $290,736 (1.4%) | 0.83 | 330 |
| 2019-02-01 | $253,050 (2.7%) | $308,460 (4.2%) | 0.86 | 317 |
| 2019-03-01 | $259,207 (3.7%) | $325,671 (12.9%) | 0.85 | 312 |
| 2019-04-01 | $259,207 (5.8%) | $320,894 (11.8%) | 0.83 | 327 |
| 2019-05-01 | $249,900 (-0.1%) | $311,662 (7.1%) | 0.78 | 346 |
| 2019-06-01 | $249,900 (-3.5%) | $302,723 (-0.2%) | 0.78 | 386 |
| 2019-07-01 | $245,425 (-2.8%) | $304,093 (2.1%) | 0.77 | 403 |
| 2019-08-01 | $242,936 (-2.8%) | $306,837 (4.7%) | 0.77 | 408 |
| 2019-09-01 | $238,416 (-0.6%) | $304,466 (4.9%) | 0.76 | 418 |
| 2019-10-01 | $234,925 (1.3%) | $300,063 (5.7%) | 0.76 | 440 |
| 2019-11-01 | $229,900 (0.2%) | $299,729 (5.7%) | 0.75 | 432 |
| 2019-12-01 | $226,400 (-3.6%) | $303,482 (5.7%) | 0.75 | 375 |
| 2020-01-01 | $229,900 (-4.1%) | $307,970 (5.9%) | 0.77 | 306 |
| 2020-02-01 | $259,900 (2.7%) | $329,594 (6.9%) | 0.85 | 282 |
| 2020-03-01 | $262,650 (1.3%) | $332,754 (2.2%) | 0.82 | 301 |
| 2020-04-01 | $262,588 (1.3%) | $323,619 (0.9%) | 0.82 | 334 |
| 2020-05-01 | $270,150 (8.1%) | $326,960 (4.9%) | 0.82 | 324 |
| 2020-06-01 | $278,225 (11.3%) | $345,324 (14.1%) | 0.82 | 303 |
| 2020-07-01 | $286,350 (16.7%) | $354,886 (16.7%) | 0.83 | 267 |
| 2020-08-01 | $274,900 (13.2%) | $341,480 (11.3%) | 0.79 | 260 |
| 2020-09-01 | $262,475 (10.1%) | $323,945 (6.4%) | 0.75 | 280 |
| 2020-10-01 | $255,000 (8.6%) | $313,587 (4.5%) | 0.73 | 237 |
| 2020-11-01 | $248,450 (8.1%) | $298,216 (-0.5%) | 0.73 | 241 |
| 2020-12-01 | $248,481 (9.8%) | $301,051 (-0.8%) | 0.74 | 208 |
| 2021-01-01 | $259,900 (13.1%) | $335,312 (8.9%) | 0.77 | 139 |
| 2021-02-01 | $272,550 (4.9%) | $354,542 (7.6%) | 0.79 | 136 |
| 2021-03-01 | $266,150 (1.3%) | $380,747 (14.4%) | 0.76 | 121 |
| 2021-04-01 | $272,400 (3.7%) | $382,497 (18.2%) | 0.74 | 125 |
| 2021-05-01 | $274,900 (1.8%) | $351,034 (7.4%) | 0.73 | 155 |
| 2021-06-01 | $284,900 (2.4%) | $351,426 (1.8%) | 0.75 | 176 |
| 2021-07-01 | $289,900 (1.2%) | $349,366 (-1.6%) | 0.76 | 204 |
| 2021-08-01 | $299,925 (9.1%) | $348,591 (2.1%) | 0.80 | 220 |
| 2021-09-01 | $299,925 (14.3%) | $356,041 (9.9%) | 0.80 | 254 |
| 2021-10-01 | $279,900 (9.8%) | $338,022 (7.8%) | 0.75 | 247 |
| 2021-11-01 | $283,675 (14.2%) | $360,209 (20.8%) | 0.75 | 216 |
| 2021-12-01 | $299,450 (20.5%) | $361,394 (20.0%) | 0.81 | 185 |
| 2022-01-01 | $289,900 (11.5%) | $351,607 (4.9%) | 0.78 | 137 |
| 2022-02-01 | $316,400 (16.1%) | $373,890 (5.5%) | 0.81 | 114 |
| 2022-03-01 | $326,900 (22.8%) | $400,242 (5.1%) | 0.81 | 118 |
| 2022-04-01 | $319,900 (17.4%) | $379,914 (-0.7%) | 0.76 | 133 |
| 2022-05-01 | $334,450 (21.7%) | $395,835 (12.8%) | 0.76 | 170 |
| 2022-06-01 | $354,200 (24.3%) | $405,192 (15.3%) | 0.79 | 201 |
| 2022-07-01 | $346,000 (19.4%) | $393,190 (12.5%) | 0.78 | 255 |
| 2022-08-01 | $364,925 (21.7%) | $413,070 (18.5%) | 0.84 | 244 |
| 2022-09-01 | $369,900 (23.3%) | $417,179 (17.2%) | 0.86 | 224 |
| 2022-10-01 | $372,400 (33.1%) | $423,456 (25.3%) | 0.88 | 220 |
| 2022-11-01 | $357,425 (26.0%) | $405,384 (12.5%) | 0.86 | 223 |
| 2022-12-01 | $359,900 (20.2%) | $405,882 (12.3%) | 0.89 | 190 |
| 2023-01-01 | $359,450 (24.0%) | $409,840 (16.6%) | 0.89 | 159 |
| 2023-02-01 | $330,000 (4.3%) | $407,844 (9.1%) | 0.80 | 140 |
| 2023-03-01 | $334,950 (2.5%) | $413,961 (3.4%) | 0.79 | 134 |
| 2023-04-01 | $346,900 (8.4%) | $433,717 (14.2%) | 0.81 | 131 |
| 2023-05-01 | $382,425 (14.3%) | $467,230 (18.0%) | 0.87 | 142 |
| 2023-06-01 | $382,425 (8.0%) | $451,480 (11.4%) | 0.86 | 156 |
| 2023-07-01 | $392,400 (13.4%) | $468,214 (19.1%) | 0.90 | 181 |
| 2023-08-01 | $372,375 (2.0%) | $450,260 (9.0%) | 0.86 | 216 |
| 2023-09-01 | $364,900 (-1.4%) | $445,924 (6.9%) | 0.85 | 240 |
| 2023-10-01 | $367,450 (-1.3%) | $442,092 (4.4%) | 0.87 | 275 |
| 2023-11-01 | $383,700 (7.4%) | $455,640 (12.4%) | 0.92 | 245 |
| 2023-12-01 | $389,950 (8.4%) | $456,110 (12.4%) | 0.96 | 210 |
| 2024-01-01 | $399,900 (11.3%) | $468,058 (14.2%) | 0.98 | 169 |
| 2024-02-01 | $399,900 (21.2%) | $473,257 (16.0%) | 0.96 | 160 |
| 2024-03-01 | $399,900 (19.4%) | $464,711 (12.3%) | 0.94 | 171 |
| 2024-04-01 | $393,450 (13.4%) | $469,377 (8.2%) | 0.92 | 207 |
| 2024-05-01 | $384,950 (0.7%) | $465,754 (-0.3%) | 0.87 | 237 |
| 2024-06-01 | $389,900 (2.0%) | $478,037 (5.9%) | 0.88 | 272 |
| 2024-07-01 | $373,400 (-4.8%) | $470,107 (0.4%) | 0.86 | 292 |
| 2024-08-01 | $369,900 (-0.7%) | $451,818 (0.4%) | 0.86 | 312 |
| 2024-09-01 | $369,888 (1.4%) | $449,277 (0.8%) | 0.87 | 340 |
| 2024-10-01 | $349,925 (-4.8%) | $439,490 (-0.6%) | 0.82 | 358 |
| 2024-11-01 | $343,400 (-10.5%) | $433,493 (-4.9%) | 0.82 | 333 |
| 2024-12-01 | $345,575 (-11.4%) | $425,242 (-6.8%) | 0.85 | 285 |
| 2025-01-01 | $357,425 (-10.6%) | $426,868 (-8.8%) | 0.00 | 257 |
Eau Claire's median listing price comes in at 0% of the national average.
Eau Claire's average listing price for 2025-01-01 was $426,868, a difference of $-41,190 (-8.8%) versus the prior year and $1,626 versus the prior month.
For the 2025-01-01 period, Eau Claire had 257 MLS listings, a difference of -28 listings (-10%) versus the prior month and 88 listings (52%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Eau Claire (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 118 days | 2,015 sqft |
| 2018-02-01 | 103 days | 1,963 sqft |
| 2018-03-01 | 41 days | 2,020 sqft |
| 2018-04-01 | 45 days | 2,080 sqft |
| 2018-05-01 | 53 days | 2,040 sqft |
| 2018-06-01 | 51 days | 2,033 sqft |
| 2018-07-01 | 48 days | 2,063 sqft |
| 2018-08-01 | 47 days | 2,041 sqft |
| 2018-09-01 | 54 days | 1,980 sqft |
| 2018-10-01 | 61 days | 1,977 sqft |
| 2018-11-01 | 70 days | 1,878 sqft |
| 2018-12-01 | 92 days | 1,851 sqft |
| 2019-01-01 | 98 days | 1,807 sqft |
| 2019-02-01 | 94 days | 1,949 sqft |
| 2019-03-01 | 70 days | 2,010 sqft |
| 2019-04-01 | 50 days | 1,988 sqft |
| 2019-05-01 | 44 days | 1,822 sqft |
| 2019-06-01 | 40 days | 1,909 sqft |
| 2019-07-01 | 49 days | 1,893 sqft |
| 2019-08-01 | 55 days | 1,820 sqft |
| 2019-09-01 | 58 days | 1,791 sqft |
| 2019-10-01 | 58 days | 1,771 sqft |
| 2019-11-01 | 64 days | 1,748 sqft |
| 2019-12-01 | 80 days | 1,719 sqft |
| 2020-01-01 | 89 days | 1,722 sqft |
| 2020-02-01 | 96 days | 1,800 sqft |
| 2020-03-01 | 57 days | 1,905 sqft |
| 2020-04-01 | 51 days | 1,901 sqft |
| 2020-05-01 | 49 days | 1,965 sqft |
| 2020-06-01 | 58 days | 2,063 sqft |
| 2020-07-01 | 62 days | 2,004 sqft |
| 2020-08-01 | 47 days | 2,034 sqft |
| 2020-09-01 | 33 days | 1,926 sqft |
| 2020-10-01 | 40 days | 1,890 sqft |
| 2020-11-01 | 43 days | 1,785 sqft |
| 2020-12-01 | 59 days | 1,785 sqft |
| 2021-01-01 | 72 days | 1,800 sqft |
| 2021-02-01 | 50 days | 1,855 sqft |
| 2021-03-01 | 31 days | 1,800 sqft |
| 2021-04-01 | 25 days | 1,797 sqft |
| 2021-05-01 | 18 days | 1,672 sqft |
| 2021-06-01 | 26 days | 1,679 sqft |
| 2021-07-01 | 26 days | 1,707 sqft |
| 2021-08-01 | 31 days | 1,903 sqft |
| 2021-09-01 | 38 days | 1,843 sqft |
| 2021-10-01 | 45 days | 1,679 sqft |
| 2021-11-01 | 56 days | 1,691 sqft |
| 2021-12-01 | 56 days | 1,731 sqft |
| 2022-01-01 | 66 days | 1,618 sqft |
| 2022-02-01 | 63 days | 1,643 sqft |
| 2022-03-01 | 40 days | 1,732 sqft |
| 2022-04-01 | 23 days | 1,825 sqft |
| 2022-05-01 | 23 days | 2,047 sqft |
| 2022-06-01 | 27 days | 2,084 sqft |
| 2022-07-01 | 30 days | 1,952 sqft |
| 2022-08-01 | 42 days | 2,136 sqft |
| 2022-09-01 | 53 days | 2,098 sqft |
| 2022-10-01 | 48 days | 2,014 sqft |
| 2022-11-01 | 49 days | 1,981 sqft |
| 2022-12-01 | 68 days | 2,000 sqft |
| 2023-01-01 | 78 days | 1,970 sqft |
| 2023-02-01 | 78 days | 1,825 sqft |
| 2023-03-01 | 59 days | 1,837 sqft |
| 2023-04-01 | 36 days | 1,893 sqft |
| 2023-05-01 | 30 days | 2,120 sqft |
| 2023-06-01 | 28 days | 2,150 sqft |
| 2023-07-01 | 29 days | 2,120 sqft |
| 2023-08-01 | 30 days | 2,014 sqft |
| 2023-09-01 | 39 days | 1,990 sqft |
| 2023-10-01 | 43 days | 2,066 sqft |
| 2023-11-01 | 62 days | 2,070 sqft |
| 2023-12-01 | 83 days | 2,022 sqft |
| 2024-01-01 | 99 days | 2,005 sqft |
| 2024-02-01 | 83 days | 2,020 sqft |
| 2024-03-01 | 40 days | 2,085 sqft |
| 2024-04-01 | 32 days | 2,065 sqft |
| 2024-05-01 | 31 days | 2,025 sqft |
| 2024-06-01 | 37 days | 2,123 sqft |
| 2024-07-01 | 44 days | 2,092 sqft |
| 2024-08-01 | 43 days | 2,020 sqft |
| 2024-09-01 | 43 days | 2,071 sqft |
| 2024-10-01 | 51 days | 2,039 sqft |
| 2024-11-01 | 60 days | 2,000 sqft |
| 2024-12-01 | 75 days | 1,929 sqft |
| 2025-01-01 | 0 days | 1,994 sqft |
Eau Claire's median square footage for active listings during the 2025-01-01 period was 1,994 sqft. One year prior, the average listing was 2,005 sqft.