Gettysburg USDA Loan Rates, Closing Costs & Stats
GETTYSBURG, 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.
Gettysburg's 6 lenders originated 11 USDA loans during 2023. The total origination value was $2,335,000, with an average USDA loan value of $212,273.
Gettysburg USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Gettysburg
averaged
6.19%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Gettysburg's average USDA mortgage closing costs are $6,157.
The average rate for the prior week (2025-02-07) was
6.25% and
one month ago for the week of 2025-01-10, the
average rate was 6.4%.
The average rate one year ago was 6.39%.
For refis of the same type during the week of 2025-02-14, the average rate
was 5.88%.
Gettysburg 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 Gettysburg level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 3 | 6.98% | $7,656 |
| MOVEMENT MORTGAGE, LLC | 3 | 6.38% | $9,810 |
| FIRST HOME MORTGAGE CORPORATION | 2 | 5.75% | $8,758 |
| ACNB Bank | 1 | 6.00% | $6,036 |
| First Heritage Mortgage, LLC | 1 | 6.88% | $9,468 |
| Northpointe Bank | 1 | 6.00% | $10,618 |
The top Gettysburg USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with
3 USDA loans originated. Their average total fees are
$7,656, which is $2,154
lower than the next largest lender,
MOVEMENT MORTGAGE, LLC.
The lowest fee Gettysburg USDA lenders (with over 10 loans originated) are
.
The lowest rate Gettysburg USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Gettysburg (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 | $224,900 (2.3%) | $275,359 (6.5%) | 0.00 | 402 |
| 2018-02-01 | $224,900 (0.0%) | $276,214 (5.0%) | 0.00 | 396 |
| 2018-03-01 | $229,900 (0.0%) | $277,529 (0.7%) | 0.00 | 412 |
| 2018-04-01 | $232,680 (-1.0%) | $269,697 (-5.8%) | 0.00 | 411 |
| 2018-05-01 | $239,900 (3.1%) | $279,622 (-1.0%) | 0.00 | 420 |
| 2018-06-01 | $239,000 (1.7%) | $276,796 (-4.1%) | 0.00 | 439 |
| 2018-07-01 | $242,450 (1.1%) | $280,439 (-4.0%) | 0.00 | 426 |
| 2018-08-01 | $248,750 (5.9%) | $285,132 (-2.3%) | 0.00 | 407 |
| 2018-09-01 | $234,895 (-1.7%) | $275,129 (-8.4%) | 0.00 | 417 |
| 2018-10-01 | $228,400 (-0.9%) | $270,002 (-9.1%) | 0.00 | 400 |
| 2018-11-01 | $224,900 (-0.9%) | $271,889 (-6.7%) | 0.00 | 389 |
| 2018-12-01 | $224,330 (0.9%) | $263,785 (-6.9%) | 0.00 | 355 |
| 2019-01-01 | $222,400 (-1.1%) | $266,465 (-3.2%) | 0.00 | 314 |
| 2019-02-01 | $229,900 (2.2%) | $271,938 (-1.6%) | 0.00 | 329 |
| 2019-03-01 | $238,471 (3.7%) | $275,856 (-0.6%) | 0.00 | 330 |
| 2019-04-01 | $244,246 (5.0%) | $282,076 (4.6%) | 0.00 | 355 |
| 2019-05-01 | $252,690 (5.3%) | $297,767 (6.5%) | 0.00 | 392 |
| 2019-06-01 | $249,900 (4.6%) | $294,150 (6.3%) | 0.00 | 397 |
| 2019-07-01 | $249,900 (3.1%) | $299,603 (6.8%) | 0.00 | 407 |
| 2019-08-01 | $251,973 (1.3%) | $305,608 (7.2%) | 0.00 | 396 |
| 2019-09-01 | $256,432 (9.2%) | $312,469 (13.6%) | 0.00 | 379 |
| 2019-10-01 | $254,454 (11.4%) | $318,084 (17.8%) | 0.00 | 359 |
| 2019-11-01 | $254,900 (13.3%) | $321,741 (18.3%) | 0.00 | 335 |
| 2019-12-01 | $259,100 (15.5%) | $320,029 (21.3%) | 0.00 | 292 |
| 2020-01-01 | $259,900 (16.9%) | $322,450 (21.0%) | 0.00 | 270 |
| 2020-02-01 | $264,950 (15.3%) | $316,358 (16.3%) | 0.00 | 273 |
| 2020-03-01 | $277,857 (16.5%) | $348,984 (26.5%) | 0.00 | 261 |
| 2020-04-01 | $278,332 (14.0%) | $358,536 (27.1%) | 0.00 | 240 |
| 2020-05-01 | $279,600 (10.7%) | $354,829 (19.2%) | 0.00 | 256 |
| 2020-06-01 | $291,175 (16.5%) | $358,293 (21.8%) | 0.00 | 245 |
| 2020-07-01 | $301,975 (20.8%) | $388,401 (29.6%) | 0.00 | 197 |
| 2020-08-01 | $305,000 (21.0%) | $398,155 (30.3%) | 0.00 | 192 |
| 2020-09-01 | $320,195 (24.9%) | $410,211 (31.3%) | 0.00 | 188 |
| 2020-10-01 | $318,590 (25.2%) | $400,052 (25.8%) | 0.00 | 176 |
| 2020-11-01 | $327,948 (28.7%) | $407,567 (26.7%) | 0.00 | 171 |
| 2020-12-01 | $327,562 (26.4%) | $405,753 (26.8%) | 0.00 | 160 |
| 2021-01-01 | $329,900 (26.9%) | $404,951 (25.6%) | 0.00 | 147 |
| 2021-02-01 | $332,753 (25.6%) | $396,879 (25.5%) | 0.00 | 124 |
| 2021-03-01 | $328,626 (18.3%) | $353,119 (1.2%) | 0.00 | 127 |
| 2021-04-01 | $338,629 (21.7%) | $355,737 (-0.8%) | 0.00 | 113 |
| 2021-05-01 | $353,438 (26.4%) | $360,935 (1.7%) | 0.00 | 118 |
| 2021-06-01 | $358,791 (23.2%) | $364,231 (1.7%) | 0.00 | 131 |
| 2021-07-01 | $345,000 (14.3%) | $361,579 (-6.9%) | 0.00 | 136 |
| 2021-08-01 | $325,744 (6.8%) | $341,200 (-14.3%) | 0.00 | 145 |
| 2021-09-01 | $312,975 (-2.3%) | $337,463 (-17.7%) | 0.00 | 131 |
| 2021-10-01 | $315,900 (-0.8%) | $335,756 (-16.1%) | 0.00 | 138 |
| 2021-11-01 | $321,225 (-2.1%) | $336,004 (-17.6%) | 0.00 | 121 |
| 2021-12-01 | $333,500 (1.8%) | $338,050 (-16.7%) | 0.00 | 105 |
| 2022-01-01 | $356,513 (8.1%) | $370,891 (-8.4%) | 0.00 | 110 |
| 2022-02-01 | $372,490 (11.9%) | $442,836 (11.6%) | 0.00 | 121 |
| 2022-03-01 | $378,191 (15.1%) | $477,084 (35.1%) | 0.00 | 121 |
| 2022-04-01 | $375,000 (10.7%) | $465,451 (30.8%) | 0.00 | 127 |
| 2022-05-01 | $376,238 (6.5%) | $430,792 (19.4%) | 0.00 | 147 |
| 2022-06-01 | $367,762 (2.5%) | $383,691 (5.3%) | 0.00 | 155 |
| 2022-07-01 | $350,000 (1.5%) | $423,790 (17.2%) | 0.00 | 163 |
| 2022-08-01 | $359,929 (10.5%) | $420,432 (23.2%) | 0.00 | 178 |
| 2022-09-01 | $380,000 (21.4%) | $439,906 (30.4%) | 0.00 | 169 |
| 2022-10-01 | $374,900 (18.7%) | $441,576 (31.5%) | 0.00 | 158 |
| 2022-11-01 | $358,535 (11.6%) | $443,538 (32.0%) | 0.00 | 158 |
| 2022-12-01 | $349,900 (4.9%) | $434,238 (28.5%) | 0.00 | 136 |
| 2023-01-01 | $377,650 (5.9%) | $439,526 (18.5%) | 0.00 | 120 |
| 2023-02-01 | $389,925 (4.7%) | $441,696 (-0.3%) | 0.00 | 116 |
| 2023-03-01 | $399,342 (5.6%) | $461,101 (-3.4%) | 0.00 | 112 |
| 2023-04-01 | $399,995 (6.7%) | $474,832 (2.0%) | 0.00 | 112 |
| 2023-05-01 | $399,923 (6.3%) | $453,290 (5.2%) | 0.00 | 123 |
| 2023-06-01 | $403,686 (9.8%) | $453,218 (18.1%) | 0.00 | 119 |
| 2023-07-01 | $399,990 (14.3%) | $455,260 (7.4%) | 0.00 | 110 |
| 2023-08-01 | $405,723 (12.7%) | $469,325 (11.6%) | 0.00 | 118 |
| 2023-09-01 | $399,900 (5.2%) | $468,846 (6.6%) | 0.00 | 135 |
| 2023-10-01 | $397,927 (6.1%) | $443,996 (0.6%) | 0.00 | 144 |
| 2023-11-01 | $399,135 (11.3%) | $420,058 (-5.3%) | 0.00 | 152 |
| 2023-12-01 | $382,445 (9.3%) | $408,033 (-6.0%) | 0.00 | 146 |
| 2024-01-01 | $399,900 (5.9%) | $411,043 (-6.5%) | 0.00 | 125 |
| 2024-02-01 | $399,900 (2.6%) | $431,909 (-2.2%) | 0.00 | 117 |
| 2024-03-01 | $399,900 (0.1%) | $429,646 (-6.8%) | 0.00 | 124 |
| 2024-04-01 | $399,900 (0.0%) | $437,083 (-8.0%) | 0.00 | 129 |
| 2024-05-01 | $412,473 (3.1%) | $455,652 (0.5%) | 0.00 | 137 |
| 2024-06-01 | $410,000 (1.6%) | $455,867 (0.6%) | 0.00 | 150 |
| 2024-07-01 | $419,223 (4.8%) | $458,640 (0.7%) | 0.00 | 156 |
| 2024-08-01 | $404,990 (-0.2%) | $459,273 (-2.1%) | 0.00 | 160 |
| 2024-09-01 | $407,740 (2.0%) | $447,371 (-4.6%) | 0.00 | 159 |
| 2024-10-01 | $401,970 (1.0%) | $445,887 (0.4%) | 0.00 | 170 |
| 2024-11-01 | $399,945 (0.2%) | $437,362 (4.1%) | 0.00 | 177 |
| 2024-12-01 | $399,900 (4.6%) | $417,282 (2.3%) | 0.00 | 162 |
| 2025-01-01 | $399,900 (0.0%) | $406,476 (-1.1%) | 0.00 | 144 |
Gettysburg's median listing price comes in at 0% of the national average.
Gettysburg's average listing price for 2025-01-01 was $406,476, a difference of $-4,567 (-1.1%) versus the prior year and $-10,806 versus the prior month.
For the 2025-01-01 period, Gettysburg had 144 MLS listings, a difference of -18 listings (-11%) versus the prior month and 19 listings (15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Gettysburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,721 sqft |
| 2018-02-01 | 0 days | 1,725 sqft |
| 2018-03-01 | 0 days | 1,748 sqft |
| 2018-04-01 | 0 days | 1,771 sqft |
| 2018-05-01 | 0 days | 1,797 sqft |
| 2018-06-01 | 0 days | 1,944 sqft |
| 2018-07-01 | 0 days | 1,943 sqft |
| 2018-08-01 | 0 days | 1,943 sqft |
| 2018-09-01 | 0 days | 1,893 sqft |
| 2018-10-01 | 0 days | 1,913 sqft |
| 2018-11-01 | 0 days | 1,901 sqft |
| 2018-12-01 | 0 days | 1,872 sqft |
| 2019-01-01 | 0 days | 1,881 sqft |
| 2019-02-01 | 0 days | 1,902 sqft |
| 2019-03-01 | 0 days | 1,921 sqft |
| 2019-04-01 | 0 days | 1,964 sqft |
| 2019-05-01 | 0 days | 1,983 sqft |
| 2019-06-01 | 0 days | 1,970 sqft |
| 2019-07-01 | 0 days | 1,982 sqft |
| 2019-08-01 | 0 days | 1,983 sqft |
| 2019-09-01 | 0 days | 1,992 sqft |
| 2019-10-01 | 0 days | 1,995 sqft |
| 2019-11-01 | 0 days | 1,992 sqft |
| 2019-12-01 | 0 days | 1,982 sqft |
| 2020-01-01 | 0 days | 1,948 sqft |
| 2020-02-01 | 0 days | 1,992 sqft |
| 2020-03-01 | 0 days | 1,992 sqft |
| 2020-04-01 | 0 days | 1,982 sqft |
| 2020-05-01 | 0 days | 1,958 sqft |
| 2020-06-01 | 0 days | 1,956 sqft |
| 2020-07-01 | 0 days | 1,952 sqft |
| 2020-08-01 | 0 days | 1,946 sqft |
| 2020-09-01 | 0 days | 1,946 sqft |
| 2020-10-01 | 0 days | 2,016 sqft |
| 2020-11-01 | 0 days | 2,036 sqft |
| 2020-12-01 | 0 days | 1,975 sqft |
| 2021-01-01 | 0 days | 1,950 sqft |
| 2021-02-01 | 0 days | 1,950 sqft |
| 2021-03-01 | 0 days | 1,934 sqft |
| 2021-04-01 | 0 days | 1,991 sqft |
| 2021-05-01 | 0 days | 2,000 sqft |
| 2021-06-01 | 0 days | 2,029 sqft |
| 2021-07-01 | 0 days | 2,066 sqft |
| 2021-08-01 | 0 days | 1,968 sqft |
| 2021-09-01 | 0 days | 1,965 sqft |
| 2021-10-01 | 0 days | 1,962 sqft |
| 2021-11-01 | 0 days | 1,922 sqft |
| 2021-12-01 | 0 days | 1,904 sqft |
| 2022-01-01 | 0 days | 1,957 sqft |
| 2022-02-01 | 0 days | 1,962 sqft |
| 2022-03-01 | 0 days | 1,958 sqft |
| 2022-04-01 | 0 days | 1,957 sqft |
| 2022-05-01 | 0 days | 1,970 sqft |
| 2022-06-01 | 0 days | 1,970 sqft |
| 2022-07-01 | 0 days | 1,973 sqft |
| 2022-08-01 | 0 days | 1,967 sqft |
| 2022-09-01 | 0 days | 2,009 sqft |
| 2022-10-01 | 0 days | 1,984 sqft |
| 2022-11-01 | 0 days | 1,962 sqft |
| 2022-12-01 | 0 days | 1,967 sqft |
| 2023-01-01 | 0 days | 1,989 sqft |
| 2023-02-01 | 0 days | 1,969 sqft |
| 2023-03-01 | 0 days | 1,969 sqft |
| 2023-04-01 | 0 days | 2,009 sqft |
| 2023-05-01 | 0 days | 2,018 sqft |
| 2023-06-01 | 0 days | 2,039 sqft |
| 2023-07-01 | 0 days | 2,021 sqft |
| 2023-08-01 | 0 days | 1,988 sqft |
| 2023-09-01 | 0 days | 1,944 sqft |
| 2023-10-01 | 0 days | 1,936 sqft |
| 2023-11-01 | 0 days | 1,900 sqft |
| 2023-12-01 | 0 days | 1,868 sqft |
| 2024-01-01 | 0 days | 1,863 sqft |
| 2024-02-01 | 0 days | 1,859 sqft |
| 2024-03-01 | 0 days | 1,872 sqft |
| 2024-04-01 | 0 days | 1,871 sqft |
| 2024-05-01 | 0 days | 1,948 sqft |
| 2024-06-01 | 0 days | 1,980 sqft |
| 2024-07-01 | 0 days | 1,990 sqft |
| 2024-08-01 | 0 days | 1,984 sqft |
| 2024-09-01 | 0 days | 1,996 sqft |
| 2024-10-01 | 0 days | 2,013 sqft |
| 2024-11-01 | 0 days | 2,009 sqft |
| 2024-12-01 | 0 days | 1,935 sqft |
| 2025-01-01 | 0 days | 1,898 sqft |
Gettysburg's median square footage for active listings during the 2025-01-01 period was 1,898 sqft. One year prior, the average listing was 1,863 sqft.