Emporia USDA Loan Rates, Closing Costs & Stats

Emporia, KS

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 6.89% for the week of 2024-03-22, compared to the national average (all USDA variants) of 6.674% for the same period.

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

The average rate for the prior week (2024-03-15) was 6.61% and one month ago for the week of 2024-02-16, the average rate was 6.59%.

The average rate one year ago was 6.49%.

For refis of the same type during the week of 2024-03-22, the average rate was 6.77%.

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
Emporia's median listing price for 2024-02-01 was $199,900, a difference of $0 (0.0%) versus the prior year and $22,025 versus the prior month.

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

Emporia's average listing price for 2024-02-01 was $210,254, a difference of $-92,104 (-30.5%) versus the prior year and $-15,394 versus the prior month.

For the 2024-02-01 period, Emporia had 26 MLS listings, a difference of -1 listings (-4%) versus the prior month and -5 listings (-16%) 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
Emporia's median listing age (time on market) for 2024-02-01 was 0 days.

Emporia's median square footage for active listings during the 2024-02-01 period was 1,686 sqft. One year prior, the average listing was 1,818 sqft.