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 0.07% for the week of 2024-11-29, compared to the national average (all USDA variants) of 0% for the same period.

Gettysburg's average USDA mortgage closing costs are $6,157.

The average rate for the prior week (2024-11-22) was 6.57% and one month ago for the week of 2024-10-25, the average rate was 6.07%.

The average rate one year ago was 7.07%.

For refis of the same type during the week of 2024-11-29, the average rate was -0.45%.

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

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
2024-04-01 $399,900 (0.0%) $437,083 (-8.0%) 0.00 129
2024-05-01 $412,473 (3.1%) $458,572 (1.2%) 0.00 137
2024-06-01 $421,000 (4.3%) $458,337 (1.1%) 0.00 150
2024-07-01 $419,223 (4.8%) $458,640 (0.7%) 0.00 156
2024-08-01 $404,990 (-0.1%) $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
Gettysburg's median listing price for 2024-10-01 was $401,970, a difference of $4,043 (1.0%) versus the prior year and $-5,770 versus the prior month.

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

Gettysburg's average listing price for 2024-10-01 was $445,887, a difference of $1,891 (0.4%) versus the prior year and $-1,484 versus the prior month.

For the 2024-10-01 period, Gettysburg had 170 MLS listings, a difference of 11 listings (7%) versus the prior month and 26 listings (18%) 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
2024-04-01 0 days 1,871 sqft
2024-05-01 0 days 1,961 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
Gettysburg's median listing age (time on market) for 2024-10-01 was 0 days.

Gettysburg's median square footage for active listings during the 2024-10-01 period was 2,013 sqft. One year prior, the average listing was 1,936 sqft.