Elizabethtown USDA Loan Rates, Closing Costs & Stats

ELIZABETHTOWN-FORT KNOX, KY

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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.

    Elizabethtown's 17 lenders originated 37 USDA loans during 2023. The total origination value was $7,305,000, with an average USDA loan value of $197,432.

    Elizabethtown USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Elizabethtown averaged 6.25% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Elizabethtown's average USDA mortgage closing costs are $4,218.

    The average rate for the prior week (2025-02-07) was 6.11% and one month ago for the week of 2025-01-10, the average rate was 6.55%.

    The average rate one year ago was 6.44%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.18%.

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

    Elizabethtown 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 Elizabethtown level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 6 6.31% $6,337
    PLAZA HOME MORTGAGE, INC. 5 5.63% $4,517
    Prosperity Home Mortgage, LLC 4 6.65% $6,442
    Stock Yards Bank & Trust Company 3 5.83% $8,042
    Century Mortgage Company DBA Century Lending Company 3 6.25% $7,659
    STOCKTON MORTGAGE CORPORATION 3 6.58% $8,475
    Northpointe Bank 2 5.88% $6,084
    Mortgage Research Center, LLC 2 6.19% $2,386
    BROKER SOLUTIONS, INC. 1 6.25% $7,800
    WesBanco 1 6.38% $4,417
    Flagstar Bank, FSB 1 7.11% $6,279
    Magnolia Bank 1 6.50% $8,880
    MORTGAGE INVESTORS GROUP, INC. 1 7.13% $6,107
    NEWREZ LLC 1 7.13% $5,738
    NORWICH COMMERCIAL GROUP, INC. 1 7.25% $4,149
    SOUTH CENTRAL BANK, INC. 1 5.88% $4,776
    Waterstone Mortgage Corporation 1 5.63% $6,772

    The top Elizabethtown USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 6 USDA loans originated. Their average total fees are $6,337, which is $1,820 higher than the next largest lender, PLAZA HOME MORTGAGE, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Elizabethtown (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 $166,875 (4.4%) $194,077 (2.0%) 0.63 411
    2018-02-01 $173,250 (8.5%) $202,880 (4.8%) 0.62 389
    2018-03-01 $179,950 (10.0%) $212,838 (8.1%) 0.63 376
    2018-04-01 $190,450 (12.1%) $217,049 (9.1%) 0.64 396
    2018-05-01 $190,950 (12.4%) $216,682 (7.6%) 0.64 399
    2018-06-01 $189,950 (11.9%) $217,644 (5.9%) 0.63 414
    2018-07-01 $198,900 (17.1%) $222,324 (8.5%) 0.65 436
    2018-08-01 $199,950 (14.6%) $219,653 (6.3%) 0.67 453
    2018-09-01 $188,500 (10.9%) $212,842 (7.3%) 0.64 476
    2018-10-01 $189,900 (10.2%) $210,131 (5.1%) 0.64 455
    2018-11-01 $194,925 (14.7%) $212,464 (8.3%) 0.66 449
    2018-12-01 $194,950 (14.7%) $215,098 (10.3%) 0.66 435
    2019-01-01 $196,450 (17.7%) $211,135 (8.8%) 0.67 406
    2019-02-01 $193,250 (11.5%) $209,404 (3.2%) 0.64 408
    2019-03-01 $203,686 (13.2%) $214,935 (1.0%) 0.65 377
    2019-04-01 $209,975 (10.3%) $221,642 (2.1%) 0.65 351
    2019-05-01 $216,125 (13.2%) $234,062 (8.0%) 0.66 354
    2019-06-01 $210,000 (10.6%) $229,372 (5.4%) 0.64 395
    2019-07-01 $209,925 (5.5%) $232,074 (4.4%) 0.63 392
    2019-08-01 $210,909 (5.5%) $232,965 (6.1%) 0.65 397
    2019-09-01 $213,210 (13.1%) $234,078 (10.0%) 0.67 405
    2019-10-01 $217,500 (14.5%) $236,428 (12.5%) 0.70 411
    2019-11-01 $219,900 (12.8%) $236,885 (11.5%) 0.71 404
    2019-12-01 $219,675 (12.7%) $238,194 (10.7%) 0.73 363
    2020-01-01 $217,975 (11.0%) $235,800 (11.7%) 0.72 329
    2020-02-01 $218,500 (13.1%) $231,393 (10.5%) 0.72 308
    2020-03-01 $219,900 (8.0%) $239,674 (11.5%) 0.67 272
    2020-04-01 $221,150 (5.3%) $239,317 (8.0%) 0.69 262
    2020-05-01 $234,900 (8.7%) $247,763 (5.9%) 0.71 214
    2020-06-01 $228,900 (9.0%) $256,655 (11.9%) 0.66 171
    2020-07-01 $244,475 (16.5%) $272,081 (17.2%) 0.71 159
    2020-08-01 $247,000 (17.1%) $275,341 (18.2%) 0.69 149
    2020-09-01 $244,690 (14.8%) $277,176 (18.4%) 0.70 159
    2020-10-01 $220,000 (1.2%) $267,418 (13.1%) 0.67 149
    2020-11-01 $194,700 (-11.5%) $248,065 (4.7%) 0.58 155
    2020-12-01 $202,350 (-7.9%) $255,699 (7.4%) 0.64 170
    2021-01-01 $197,450 (-9.4%) $261,649 (11.0%) 0.63 147
    2021-02-01 $211,850 (-3.0%) $271,599 (17.4%) 0.65 122
    2021-03-01 $239,175 (8.8%) $286,517 (19.5%) 0.71 116
    2021-04-01 $249,900 (13.0%) $294,044 (22.9%) 0.72 108
    2021-05-01 $229,900 (-2.1%) $285,171 (15.1%) 0.64 106
    2021-06-01 $251,200 (9.7%) $311,550 (21.4%) 0.68 111
    2021-07-01 $271,900 (11.2%) $307,065 (12.9%) 0.73 149
    2021-08-01 $273,000 (10.5%) $293,108 (6.5%) 0.73 178
    2021-09-01 $268,125 (9.6%) $287,115 (3.6%) 0.73 190
    2021-10-01 $260,000 (18.2%) $304,944 (14.0%) 0.72 195
    2021-11-01 $259,225 (33.1%) $296,036 (19.3%) 0.73 201
    2021-12-01 $239,175 (18.2%) $286,840 (12.2%) 0.68 165
    2022-01-01 $246,000 (24.6%) $307,673 (17.6%) 0.68 134
    2022-02-01 $259,900 (22.7%) $315,061 (16.0%) 0.70 115
    2022-03-01 $254,450 (6.4%) $319,107 (11.4%) 0.67 104
    2022-04-01 $250,000 (0.0%) $294,131 (0.0%) 0.63 92
    2022-05-01 $272,000 (18.3%) $313,122 (9.8%) 0.65 96
    2022-06-01 $256,850 (2.3%) $294,770 (-5.4%) 0.60 167
    2022-07-01 $262,500 (-3.5%) $307,370 (0.1%) 0.63 228
    2022-08-01 $271,700 (-0.5%) $298,936 (2.0%) 0.69 251
    2022-09-01 $296,725 (10.7%) $315,571 (9.9%) 0.72 190
    2022-10-01 $312,000 (20.0%) $337,538 (10.7%) 0.75 216
    2022-11-01 $308,175 (18.9%) $337,410 (14.0%) 0.74 246
    2022-12-01 $299,950 (25.4%) $335,797 (17.1%) 0.75 216
    2023-01-01 $319,475 (29.9%) $344,892 (12.1%) 0.78 174
    2023-02-01 $319,500 (22.9%) $350,173 (11.1%) 0.76 169
    2023-03-01 $317,500 (24.8%) $353,770 (10.9%) 0.75 167
    2023-04-01 $309,450 (23.8%) $352,316 (19.8%) 0.73 173
    2023-05-01 $305,000 (12.1%) $342,912 (9.5%) 0.72 168
    2023-06-01 $318,700 (24.1%) $349,645 (18.6%) 0.72 181
    2023-07-01 $330,000 (25.7%) $355,556 (15.7%) 0.74 209
    2023-08-01 $327,675 (20.6%) $358,953 (20.1%) 0.74 223
    2023-09-01 $319,950 (7.8%) $348,275 (10.4%) 0.74 223
    2023-10-01 $319,874 (2.5%) $351,761 (4.2%) 0.75 234
    2023-11-01 $318,798 (3.5%) $351,161 (4.1%) 0.75 255
    2023-12-01 $319,900 (6.7%) $352,451 (5.0%) 0.77 250
    2024-01-01 $315,500 (-1.2%) $344,896 (0.0%) 0.77 238
    2024-02-01 $316,875 (-0.8%) $351,772 (0.5%) 0.77 232
    2024-03-01 $339,900 (7.1%) $362,179 (2.4%) 0.79 235
    2024-04-01 $333,675 (7.8%) $361,893 (2.7%) 0.77 242
    2024-05-01 $324,950 (6.5%) $357,521 (4.3%) 0.75 261
    2024-06-01 $329,250 (3.3%) $355,742 (1.7%) 0.74 255
    2024-07-01 $323,750 (-1.9%) $364,422 (2.5%) 0.75 278
    2024-08-01 $324,900 (-0.9%) $365,747 (1.9%) 0.76 309
    2024-09-01 $320,281 (0.1%) $370,743 (6.5%) 0.77 318
    2024-10-01 $314,950 (-1.5%) $364,601 (3.7%) 0.76 340
    2024-11-01 $301,370 (-5.5%) $366,981 (4.5%) 0.75 393
    2024-12-01 $299,995 (-6.2%) $356,764 (1.2%) 0.78 385
    2025-01-01 $309,888 (-1.8%) $356,270 (3.3%) 0.00 378
    Elizabethtown's median listing price for 2025-01-01 was $309,888, a difference of $-5,612 (-1.8%) versus the prior year and $9,893 versus the prior month.

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

    Elizabethtown's average listing price for 2025-01-01 was $356,270, a difference of $11,374 (3.3%) versus the prior year and $-494 versus the prior month.

    For the 2025-01-01 period, Elizabethtown had 378 MLS listings, a difference of -7 listings (-2%) versus the prior month and 140 listings (59%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Elizabethtown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 82 days 1,752 sqft
    2018-02-01 80 days 1,810 sqft
    2018-03-01 56 days 1,856 sqft
    2018-04-01 55 days 1,933 sqft
    2018-05-01 53 days 1,977 sqft
    2018-06-01 44 days 1,994 sqft
    2018-07-01 46 days 1,999 sqft
    2018-08-01 52 days 1,994 sqft
    2018-09-01 55 days 1,953 sqft
    2018-10-01 65 days 1,967 sqft
    2018-11-01 69 days 1,988 sqft
    2018-12-01 80 days 1,993 sqft
    2019-01-01 80 days 2,008 sqft
    2019-02-01 72 days 2,005 sqft
    2019-03-01 63 days 2,023 sqft
    2019-04-01 54 days 2,042 sqft
    2019-05-01 51 days 2,007 sqft
    2019-06-01 50 days 1,968 sqft
    2019-07-01 53 days 1,939 sqft
    2019-08-01 54 days 1,981 sqft
    2019-09-01 55 days 2,061 sqft
    2019-10-01 56 days 2,138 sqft
    2019-11-01 61 days 2,107 sqft
    2019-12-01 68 days 2,150 sqft
    2020-01-01 80 days 2,117 sqft
    2020-02-01 71 days 2,107 sqft
    2020-03-01 50 days 1,957 sqft
    2020-04-01 50 days 1,927 sqft
    2020-05-01 57 days 2,046 sqft
    2020-06-01 52 days 2,179 sqft
    2020-07-01 40 days 2,208 sqft
    2020-08-01 37 days 2,240 sqft
    2020-09-01 39 days 2,081 sqft
    2020-10-01 38 days 1,899 sqft
    2020-11-01 33 days 1,755 sqft
    2020-12-01 43 days 1,820 sqft
    2021-01-01 54 days 1,817 sqft
    2021-02-01 50 days 1,857 sqft
    2021-03-01 31 days 1,875 sqft
    2021-04-01 30 days 1,966 sqft
    2021-05-01 30 days 1,921 sqft
    2021-06-01 24 days 1,967 sqft
    2021-07-01 24 days 1,981 sqft
    2021-08-01 28 days 2,046 sqft
    2021-09-01 33 days 2,010 sqft
    2021-10-01 39 days 1,932 sqft
    2021-11-01 37 days 1,854 sqft
    2021-12-01 45 days 1,754 sqft
    2022-01-01 58 days 1,790 sqft
    2022-02-01 28 days 1,725 sqft
    2022-03-01 25 days 1,818 sqft
    2022-04-01 24 days 1,846 sqft
    2022-05-01 19 days 1,920 sqft
    2022-06-01 17 days 1,769 sqft
    2022-07-01 29 days 1,800 sqft
    2022-08-01 46 days 1,779 sqft
    2022-09-01 48 days 1,844 sqft
    2022-10-01 42 days 2,104 sqft
    2022-11-01 45 days 2,094 sqft
    2022-12-01 58 days 2,045 sqft
    2023-01-01 67 days 2,059 sqft
    2023-02-01 43 days 1,985 sqft
    2023-03-01 44 days 2,000 sqft
    2023-04-01 36 days 1,904 sqft
    2023-05-01 42 days 1,806 sqft
    2023-06-01 41 days 1,926 sqft
    2023-07-01 36 days 2,042 sqft
    2023-08-01 44 days 2,056 sqft
    2023-09-01 44 days 1,988 sqft
    2023-10-01 46 days 1,930 sqft
    2023-11-01 46 days 1,934 sqft
    2023-12-01 53 days 1,960 sqft
    2024-01-01 67 days 1,889 sqft
    2024-02-01 52 days 1,926 sqft
    2024-03-01 37 days 1,926 sqft
    2024-04-01 40 days 1,901 sqft
    2024-05-01 32 days 1,874 sqft
    2024-06-01 43 days 1,917 sqft
    2024-07-01 41 days 1,920 sqft
    2024-08-01 41 days 1,920 sqft
    2024-09-01 50 days 1,991 sqft
    2024-10-01 54 days 1,955 sqft
    2024-11-01 53 days 2,000 sqft
    2024-12-01 60 days 1,987 sqft
    2025-01-01 0 days 1,999 sqft
    Elizabethtown's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Elizabethtown's median square footage for active listings during the 2025-01-01 period was 1,999 sqft. One year prior, the average listing was 1,889 sqft.