Emporia USDA Loan Rates, Closing Costs & Stats

Emporia, KS

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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.

    Emporia's 1 lenders originated 1 USDA loans during 2023. The total origination value was $45,000, with an average USDA loan value of $45,000.

    Emporia USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Emporia averaged 6.42% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Emporia's average USDA mortgage closing costs are $2,972.

    The average rate for the prior week (2024-12-06) was 6.25% and one month ago for the week of 2024-11-08, the average rate was 6.67%.

    The average rate one year ago was 6.74%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.1%.

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

    Emporia 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 Emporia level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Investment Services Corporation 1 7.25% $1,289

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Emporia (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 $111,525 (-8.6%) $152,019 (-2.1%) 0.00 71
    2018-02-01 $104,675 (0.9%) $144,482 (-3.8%) 0.00 69
    2018-03-01 $118,500 (26.8%) $164,171 (12.7%) 0.00 73
    2018-04-01 $129,175 (40.6%) $170,343 (23.3%) 0.00 79
    2018-05-01 $97,900 (-17.2%) $153,980 (1.7%) 0.00 79
    2018-06-01 $122,750 (-0.8%) $158,238 (0.2%) 0.00 88
    2018-07-01 $122,125 (11.1%) $155,716 (13.6%) 0.00 104
    2018-08-01 $119,900 (8.4%) $159,059 (15.1%) 0.00 107
    2018-09-01 $113,900 (1.8%) $148,447 (4.0%) 0.00 106
    2018-10-01 $115,475 (-0.7%) $150,539 (2.3%) 0.00 108
    2018-11-01 $112,425 (-1.7%) $148,176 (4.1%) 0.00 111
    2018-12-01 $116,900 (-1.4%) $151,530 (-1.5%) 0.00 95
    2019-01-01 $117,450 (5.3%) $155,693 (2.4%) 0.00 86
    2019-02-01 $120,550 (15.2%) $150,165 (3.9%) 0.00 85
    2019-03-01 $139,000 (17.3%) $171,654 (4.6%) 0.00 82
    2019-04-01 $156,750 (21.4%) $198,044 (16.3%) 0.00 81
    2019-05-01 $169,425 (73.1%) $205,346 (33.4%) 0.00 77
    2019-06-01 $165,000 (34.4%) $198,543 (25.5%) 0.00 92
    2019-07-01 $147,100 (20.5%) $178,260 (14.5%) 0.00 90
    2019-08-01 $138,155 (15.2%) $176,439 (10.9%) 0.00 95
    2019-09-01 $127,886 (12.3%) $169,694 (14.3%) 0.00 94
    2019-10-01 $119,900 (3.8%) $164,188 (9.1%) 0.00 94
    2019-11-01 $122,450 (8.9%) $155,739 (5.1%) 0.00 81
    2019-12-01 $114,900 (-1.7%) $155,215 (2.4%) 0.00 66
    2020-01-01 $104,450 (-11.1%) $147,202 (-5.5%) 0.00 62
    2020-02-01 $95,900 (-20.5%) $144,059 (-4.1%) 0.00 66
    2020-03-01 $134,900 (-3.0%) $164,061 (-4.4%) 0.00 76
    2020-04-01 $149,800 (-4.4%) $176,060 (-11.1%) 0.00 74
    2020-05-01 $149,900 (-11.5%) $171,697 (-16.4%) 0.00 72
    2020-06-01 $169,225 (2.6%) $177,396 (-10.7%) 0.00 66
    2020-07-01 $178,675 (21.5%) $978,691 (449.0%) 0.00 57
    2020-08-01 $149,450 (8.2%) $168,428 (-4.5%) 0.00 57
    2020-09-01 $152,925 (19.6%) $178,843 (5.4%) 0.00 59
    2020-10-01 $144,900 (20.9%) $181,198 (10.4%) 0.00 65
    2020-11-01 $138,800 (13.4%) $195,333 (25.4%) 0.00 46
    2020-12-01 $140,594 (22.4%) $183,154 (18.0%) 0.00 42
    2021-01-01 $128,450 (23.0%) $164,120 (11.5%) 0.00 44
    2021-02-01 $134,900 (40.7%) $166,242 (15.4%) 0.00 36
    2021-03-01 $140,050 (3.8%) $182,327 (11.1%) 0.00 32
    2021-04-01 $167,513 (11.8%) $255,168 (44.9%) 0.00 34
    2021-05-01 $152,000 (1.4%) $176,318 (2.7%) 0.00 23
    2021-06-01 $107,975 (-36.2%) $164,218 (-7.4%) 0.00 36
    2021-07-01 $99,900 (-44.1%) $143,997 (-85.3%) 0.00 46
    2021-08-01 $146,175 (-2.2%) $156,324 (-7.2%) 0.00 50
    2021-09-01 $147,900 (-3.3%) $160,609 (-10.2%) 0.00 46
    2021-10-01 $139,450 (-3.8%) $159,088 (-12.2%) 0.00 49
    2021-11-01 $118,650 (-14.5%) $141,857 (-27.4%) 0.00 31
    2021-12-01 $122,400 (-12.9%) $149,057 (-18.6%) 0.00 35
    2022-01-01 $129,900 (1.1%) $149,297 (-9.0%) 0.00 29
    2022-02-01 $106,675 (-20.9%) $151,701 (-8.8%) 0.00 21
    2022-03-01 $111,050 (-20.7%) $143,041 (-21.6%) 0.00 25
    2022-04-01 $108,000 (-35.5%) $161,928 (-36.5%) 0.00 25
    2022-05-01 $122,200 (-19.6%) $178,055 (1.0%) 0.00 34
    2022-06-01 $164,450 (52.3%) $211,711 (28.9%) 0.00 28
    2022-07-01 $174,250 (74.4%) $233,069 (61.9%) 0.00 38
    2022-08-01 $177,750 (21.6%) $231,925 (48.4%) 0.00 39
    2022-09-01 $199,900 (35.2%) $242,690 (51.1%) 0.00 36
    2022-10-01 $173,500 (24.4%) $232,676 (46.3%) 0.00 35
    2022-11-01 $223,675 (88.5%) $245,387 (73.0%) 0.00 34
    2022-12-01 $205,000 (67.5%) $222,662 (49.4%) 0.00 31
    2023-01-01 $191,150 (47.2%) $233,202 (56.2%) 0.00 31
    2023-02-01 $199,900 (87.4%) $302,358 (99.3%) 0.00 31
    2023-03-01 $198,650 (78.9%) $301,245 (110.6%) 0.00 31
    2023-04-01 $179,900 (66.6%) $266,488 (64.6%) 0.00 34
    2023-05-01 $207,450 (69.8%) $275,383 (54.7%) 0.00 26
    2023-06-01 $205,950 (25.2%) $272,687 (28.8%) 0.00 30
    2023-07-01 $221,450 (27.1%) $290,866 (24.8%) 0.00 31
    2023-08-01 $223,650 (25.8%) $275,660 (18.9%) 0.00 34
    2023-09-01 $195,500 (-2.2%) $253,180 (4.3%) 0.00 38
    2023-10-01 $185,000 (6.6%) $239,112 (2.8%) 0.00 43
    2023-11-01 $167,500 (-25.1%) $241,114 (-1.7%) 0.00 34
    2023-12-01 $169,000 (-17.6%) $230,050 (3.3%) 0.00 26
    2024-01-01 $177,875 (-6.9%) $225,648 (-3.2%) 0.00 27
    2024-02-01 $199,900 (0.0%) $210,254 (-30.5%) 0.00 26
    2024-03-01 $194,900 (-1.9%) $197,357 (-34.5%) 0.00 28
    2024-04-01 $174,900 (-2.8%) $206,383 (-22.6%) 0.00 27
    2024-05-01 $182,400 (-12.1%) $248,055 (-9.9%) 0.00 32
    2024-06-01 $179,900 (-12.7%) $245,988 (-9.8%) 0.00 38
    2024-07-01 $187,500 (-15.3%) $235,152 (-19.2%) 0.00 47
    2024-08-01 $188,750 (-15.6%) $225,687 (-18.1%) 0.00 46
    2024-09-01 $179,375 (-8.3%) $211,227 (-16.6%) 0.00 45
    2024-10-01 $189,650 (2.5%) $225,724 (-5.6%) 0.00 54
    2024-11-01 $199,900 (19.3%) $256,694 (6.5%) 0.00 51
    Emporia's median listing price for 2024-11-01 was $199,900, a difference of $32,400 (19.3%) versus the prior year and $10,250 versus the prior month.

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

    Emporia's average listing price for 2024-11-01 was $256,694, a difference of $15,580 (6.5%) versus the prior year and $30,970 versus the prior month.

    For the 2024-11-01 period, Emporia had 51 MLS listings, a difference of -3 listings (-6%) versus the prior month and 17 listings (50%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Emporia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,585 sqft
    2018-02-01 0 days 1,380 sqft
    2018-03-01 0 days 1,551 sqft
    2018-04-01 0 days 1,736 sqft
    2018-05-01 0 days 1,485 sqft
    2018-06-01 0 days 1,656 sqft
    2018-07-01 0 days 1,622 sqft
    2018-08-01 0 days 1,597 sqft
    2018-09-01 0 days 1,543 sqft
    2018-10-01 0 days 1,525 sqft
    2018-11-01 0 days 1,535 sqft
    2018-12-01 0 days 1,577 sqft
    2019-01-01 0 days 1,696 sqft
    2019-02-01 0 days 1,610 sqft
    2019-03-01 0 days 1,680 sqft
    2019-04-01 0 days 1,735 sqft
    2019-05-01 0 days 1,914 sqft
    2019-06-01 0 days 1,872 sqft
    2019-07-01 0 days 1,742 sqft
    2019-08-01 0 days 1,766 sqft
    2019-09-01 0 days 1,717 sqft
    2019-10-01 0 days 1,631 sqft
    2019-11-01 0 days 1,554 sqft
    2019-12-01 0 days 1,547 sqft
    2020-01-01 0 days 1,437 sqft
    2020-02-01 0 days 1,352 sqft
    2020-03-01 0 days 1,527 sqft
    2020-04-01 0 days 1,567 sqft
    2020-05-01 0 days 1,635 sqft
    2020-06-01 0 days 1,700 sqft
    2020-07-01 0 days 1,771 sqft
    2020-08-01 0 days 1,592 sqft
    2020-09-01 0 days 1,722 sqft
    2020-10-01 0 days 1,711 sqft
    2020-11-01 0 days 1,616 sqft
    2020-12-01 0 days 1,564 sqft
    2021-01-01 0 days 1,564 sqft
    2021-02-01 0 days 1,560 sqft
    2021-03-01 0 days 1,884 sqft
    2021-04-01 0 days 1,826 sqft
    2021-05-01 0 days 1,654 sqft
    2021-06-01 0 days 1,358 sqft
    2021-07-01 0 days 1,340 sqft
    2021-08-01 0 days 1,376 sqft
    2021-09-01 0 days 1,486 sqft
    2021-10-01 0 days 1,480 sqft
    2021-11-01 0 days 1,460 sqft
    2021-12-01 0 days 1,374 sqft
    2022-01-01 0 days 1,417 sqft
    2022-02-01 0 days 1,396 sqft
    2022-03-01 0 days 1,305 sqft
    2022-04-01 0 days 1,248 sqft
    2022-05-01 0 days 1,376 sqft
    2022-06-01 0 days 1,636 sqft
    2022-07-01 0 days 1,745 sqft
    2022-08-01 0 days 1,811 sqft
    2022-09-01 0 days 1,775 sqft
    2022-10-01 0 days 1,844 sqft
    2022-11-01 0 days 1,839 sqft
    2022-12-01 0 days 1,759 sqft
    2023-01-01 0 days 1,729 sqft
    2023-02-01 0 days 1,818 sqft
    2023-03-01 0 days 1,889 sqft
    2023-04-01 0 days 2,091 sqft
    2023-05-01 0 days 1,911 sqft
    2023-06-01 0 days 1,882 sqft
    2023-07-01 0 days 2,226 sqft
    2023-08-01 0 days 1,935 sqft
    2023-09-01 0 days 1,906 sqft
    2023-10-01 0 days 1,973 sqft
    2023-11-01 0 days 1,921 sqft
    2023-12-01 0 days 1,951 sqft
    2024-01-01 0 days 1,726 sqft
    2024-02-01 0 days 1,686 sqft
    2024-03-01 0 days 1,516 sqft
    2024-04-01 0 days 1,594 sqft
    2024-05-01 0 days 1,754 sqft
    2024-06-01 0 days 1,835 sqft
    2024-07-01 0 days 1,702 sqft
    2024-08-01 0 days 1,694 sqft
    2024-09-01 0 days 1,581 sqft
    2024-10-01 0 days 1,551 sqft
    2024-11-01 0 days 1,553 sqft
    Emporia's median listing age (time on market) for 2024-11-01 was 0 days.

    Emporia's median square footage for active listings during the 2024-11-01 period was 1,553 sqft. One year prior, the average listing was 1,921 sqft.