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
6.83%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Gettysburg's average USDA mortgage closing costs are $6,157.
The average rate for the prior week (2024-04-12) was
6.38% and
one month ago for the week of 2024-03-15, the
average rate was 6.26%.
The average rate one year ago was 6.1%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.12%.
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 (6.6%) | 0.00 | 401 |
| 2018-02-01 | $224,900 (0.0%) | $276,502 (5.1%) | 0.00 | 395 |
| 2018-03-01 | $229,900 (0.0%) | $277,805 (0.8%) | 0.00 | 411 |
| 2018-04-01 | $234,800 (0.0%) | $270,447 (-5.6%) | 0.00 | 409 |
| 2018-05-01 | $239,900 (2.3%) | $280,010 (-1.2%) | 0.00 | 418 |
| 2018-06-01 | $239,650 (0.6%) | $277,438 (-4.2%) | 0.00 | 436 |
| 2018-07-01 | $245,152 (2.2%) | $281,126 (-4.2%) | 0.00 | 423 |
| 2018-08-01 | $249,000 (5.0%) | $285,889 (-2.6%) | 0.00 | 404 |
| 2018-09-01 | $234,900 (-2.1%) | $275,477 (-8.9%) | 0.00 | 415 |
| 2018-10-01 | $228,700 (-1.2%) | $270,219 (-9.5%) | 0.00 | 399 |
| 2018-11-01 | $224,925 (-0.9%) | $272,004 (-6.8%) | 0.00 | 388 |
| 2018-12-01 | $223,615 (0.3%) | $263,888 (-7.0%) | 0.00 | 354 |
| 2019-01-01 | $222,400 (-1.1%) | $266,587 (-3.2%) | 0.00 | 313 |
| 2019-02-01 | $229,900 (2.2%) | $272,073 (-1.6%) | 0.00 | 328 |
| 2019-03-01 | $238,471 (3.7%) | $275,998 (-0.7%) | 0.00 | 329 |
| 2019-04-01 | $245,021 (4.4%) | $282,227 (4.4%) | 0.00 | 354 |
| 2019-05-01 | $253,832 (5.8%) | $297,936 (6.4%) | 0.00 | 391 |
| 2019-06-01 | $249,900 (4.3%) | $294,602 (6.2%) | 0.00 | 395 |
| 2019-07-01 | $249,900 (1.9%) | $300,074 (6.7%) | 0.00 | 405 |
| 2019-08-01 | $252,627 (1.5%) | $305,862 (7.0%) | 0.00 | 395 |
| 2019-09-01 | $256,718 (9.3%) | $312,392 (13.4%) | 0.00 | 379 |
| 2019-10-01 | $254,495 (11.3%) | $317,740 (17.6%) | 0.00 | 360 |
| 2019-11-01 | $254,900 (13.3%) | $321,367 (18.2%) | 0.00 | 336 |
| 2019-12-01 | $258,125 (15.4%) | $319,607 (21.1%) | 0.00 | 293 |
| 2020-01-01 | $259,900 (16.9%) | $321,991 (20.8%) | 0.00 | 271 |
| 2020-02-01 | $264,900 (15.2%) | $315,922 (16.1%) | 0.00 | 274 |
| 2020-03-01 | $277,290 (16.3%) | $348,418 (26.2%) | 0.00 | 262 |
| 2020-04-01 | $278,307 (13.6%) | $358,197 (26.9%) | 0.00 | 240 |
| 2020-05-01 | $279,600 (10.2%) | $354,829 (19.1%) | 0.00 | 257 |
| 2020-06-01 | $289,900 (16.0%) | $357,687 (21.4%) | 0.00 | 246 |
| 2020-07-01 | $300,950 (20.4%) | $387,516 (29.1%) | 0.00 | 198 |
| 2020-08-01 | $304,500 (20.5%) | $398,155 (30.2%) | 0.00 | 192 |
| 2020-09-01 | $320,195 (24.7%) | $410,211 (31.3%) | 0.00 | 188 |
| 2020-10-01 | $318,590 (25.2%) | $400,052 (25.9%) | 0.00 | 176 |
| 2020-11-01 | $327,948 (28.7%) | $407,567 (26.8%) | 0.00 | 171 |
| 2020-12-01 | $327,562 (26.9%) | $405,753 (27.0%) | 0.00 | 160 |
| 2021-01-01 | $329,900 (26.9%) | $404,951 (25.8%) | 0.00 | 147 |
| 2021-02-01 | $332,753 (25.6%) | $396,159 (25.4%) | 0.00 | 124 |
| 2021-03-01 | $328,626 (18.5%) | $353,119 (1.4%) | 0.00 | 127 |
| 2021-04-01 | $338,629 (21.7%) | $355,737 (-0.7%) | 0.00 | 113 |
| 2021-05-01 | $350,000 (25.2%) | $360,838 (1.7%) | 0.00 | 114 |
| 2021-06-01 | $358,433 (23.6%) | $363,484 (1.6%) | 0.00 | 128 |
| 2021-07-01 | $344,990 (14.6%) | $361,388 (-6.7%) | 0.00 | 131 |
| 2021-08-01 | $317,725 (4.3%) | $339,597 (-14.7%) | 0.00 | 138 |
| 2021-09-01 | $309,950 (-3.2%) | $334,760 (-18.4%) | 0.00 | 122 |
| 2021-10-01 | $310,000 (-2.7%) | $334,185 (-16.5%) | 0.00 | 127 |
| 2021-11-01 | $309,925 (-5.5%) | $333,816 (-18.1%) | 0.00 | 117 |
| 2021-12-01 | $329,950 (0.7%) | $335,901 (-17.2%) | 0.00 | 99 |
| 2022-01-01 | $352,445 (6.8%) | $369,596 (-8.7%) | 0.00 | 106 |
| 2022-02-01 | $369,945 (11.2%) | $444,555 (12.2%) | 0.00 | 117 |
| 2022-03-01 | $372,600 (13.4%) | $480,426 (36.1%) | 0.00 | 118 |
| 2022-04-01 | $374,950 (10.7%) | $467,213 (31.3%) | 0.00 | 126 |
| 2022-05-01 | $376,238 (7.5%) | $431,667 (19.6%) | 0.00 | 145 |
| 2022-06-01 | $366,157 (2.2%) | $383,523 (5.5%) | 0.00 | 152 |
| 2022-07-01 | $355,492 (3.0%) | $424,787 (17.5%) | 0.00 | 162 |
| 2022-08-01 | $360,353 (13.4%) | $420,926 (24.0%) | 0.00 | 176 |
| 2022-09-01 | $380,010 (22.6%) | $440,804 (31.7%) | 0.00 | 168 |
| 2022-10-01 | $374,990 (21.0%) | $442,235 (32.3%) | 0.00 | 157 |
| 2022-11-01 | $359,000 (15.8%) | $444,286 (33.1%) | 0.00 | 156 |
| 2022-12-01 | $349,950 (6.1%) | $435,135 (29.5%) | 0.00 | 134 |
| 2023-01-01 | $377,650 (7.2%) | $439,984 (19.0%) | 0.00 | 120 |
| 2023-02-01 | $389,925 (5.4%) | $441,696 (-0.6%) | 0.00 | 116 |
| 2023-03-01 | $399,889 (7.3%) | $461,345 (-4.0%) | 0.00 | 112 |
| 2023-04-01 | $399,995 (6.7%) | $474,832 (1.6%) | 0.00 | 112 |
| 2023-05-01 | $399,923 (6.3%) | $453,290 (5.0%) | 0.00 | 123 |
| 2023-06-01 | $403,686 (10.3%) | $453,218 (18.2%) | 0.00 | 119 |
| 2023-07-01 | $399,990 (12.5%) | $455,260 (7.2%) | 0.00 | 110 |
| 2023-08-01 | $405,359 (12.5%) | $469,014 (11.4%) | 0.00 | 118 |
| 2023-09-01 | $399,900 (5.2%) | $468,846 (6.4%) | 0.00 | 135 |
| 2023-10-01 | $397,927 (6.1%) | $443,996 (0.4%) | 0.00 | 144 |
| 2023-11-01 | $399,135 (11.2%) | $420,058 (-5.5%) | 0.00 | 152 |
| 2023-12-01 | $382,445 (9.3%) | $408,033 (-6.2%) | 0.00 | 146 |
| 2024-01-01 | $399,900 (5.9%) | $411,043 (-6.6%) | 0.00 | 125 |
| 2024-02-01 | $399,900 (2.6%) | $431,909 (-2.2%) | 0.00 | 117 |
| 2024-03-01 | $399,900 (0.0%) | $429,646 (-6.9%) | 0.00 | 124 |
Gettysburg's median listing price comes in at 0% of the national average.
Gettysburg's average listing price for 2024-03-01 was $429,646, a difference of $-31,699 (-6.9%) versus the prior year and $-2,263 versus the prior month.
For the 2024-03-01 period, Gettysburg had 124 MLS listings, a difference of 7 listings (6%) versus the prior month and 12 listings (11%) 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 | 1,722 sqft |
| 2018-02-01 | 0 days | 1,727 sqft |
| 2018-03-01 | 0 days | 1,756 sqft |
| 2018-04-01 | 0 days | 1,776 sqft |
| 2018-05-01 | 0 days | 1,798 sqft |
| 2018-06-01 | 0 days | 1,947 sqft |
| 2018-07-01 | 0 days | 1,950 sqft |
| 2018-08-01 | 0 days | 1,949 sqft |
| 2018-09-01 | 0 days | 1,904 sqft |
| 2018-10-01 | 0 days | 1,915 sqft |
| 2018-11-01 | 0 days | 1,904 sqft |
| 2018-12-01 | 0 days | 1,872 sqft |
| 2019-01-01 | 0 days | 1,886 sqft |
| 2019-02-01 | 0 days | 1,903 sqft |
| 2019-03-01 | 0 days | 1,923 sqft |
| 2019-04-01 | 0 days | 1,965 sqft |
| 2019-05-01 | 0 days | 1,983 sqft |
| 2019-06-01 | 0 days | 1,973 sqft |
| 2019-07-01 | 0 days | 1,982 sqft |
| 2019-08-01 | 0 days | 1,985 sqft |
| 2019-09-01 | 0 days | 1,991 sqft |
| 2019-10-01 | 0 days | 1,993 sqft |
| 2019-11-01 | 0 days | 1,992 sqft |
| 2019-12-01 | 0 days | 1,981 sqft |
| 2020-01-01 | 0 days | 1,947 sqft |
| 2020-02-01 | 0 days | 1,986 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 | 1,954 sqft |
| 2020-07-01 | 0 days | 1,949 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 | 1,981 sqft |
| 2021-06-01 | 0 days | 2,032 sqft |
| 2021-07-01 | 0 days | 2,093 sqft |
| 2021-08-01 | 0 days | 1,969 sqft |
| 2021-09-01 | 0 days | 1,969 sqft |
| 2021-10-01 | 0 days | 1,952 sqft |
| 2021-11-01 | 0 days | 1,915 sqft |
| 2021-12-01 | 0 days | 1,891 sqft |
| 2022-01-01 | 0 days | 1,929 sqft |
| 2022-02-01 | 0 days | 1,954 sqft |
| 2022-03-01 | 0 days | 1,958 sqft |
| 2022-04-01 | 0 days | 1,957 sqft |
| 2022-05-01 | 0 days | 1,969 sqft |
| 2022-06-01 | 0 days | 1,967 sqft |
| 2022-07-01 | 0 days | 1,973 sqft |
| 2022-08-01 | 0 days | 1,967 sqft |
| 2022-09-01 | 0 days | 2,013 sqft |
| 2022-10-01 | 0 days | 1,991 sqft |
| 2022-11-01 | 0 days | 1,965 sqft |
| 2022-12-01 | 0 days | 1,974 sqft |
| 2023-01-01 | 0 days | 1,988 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 |
Gettysburg's median square footage for active listings during the 2024-03-01 period was 1,872 sqft. One year prior, the average listing was 1,969 sqft.