Goldsboro USDA Loans
GOLDSBORO, NC
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.
Goldsboro's 38 lenders originated 101 USDA loans during 2021. The total origination value was $17,645,000, with an average USDA loan value of $174,703.
Goldsboro USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Goldsboro
averaged
5.2%
for the week of 2022-05-13, compared to the national average (all USDA variants) of
5.294% for the same period.
The average rate for the prior week (2022-05-06) was
5.13% and
one month ago for the week of 2022-04-08, the
average rate was 5.09%.
The average rate one year ago was 3%.
For refis of the same type during the week of 2022-05-13, the average rate
was 4.77%.
Goldsboro USDA Loan Lenders by Rates & Fees
The below table looks at the average fees and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Goldsboro level.
The top Goldsboro USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with
21 USDA loans originated. Their average total fees are
$4,767, which is $724
lower than the next largest lender,
CORNERSTONE HOME LENDING, INC..
The lowest fee Goldsboro USDA lenders (with over 10 loans originated) are
MOVEMENT MORTGAGE, LLC ($4,767), .
The lowest rate Goldsboro USDA lenders (with over 10 loans originated) are
MOVEMENT MORTGAGE, LLC (2.74%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Goldsboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $172,900 (4.9%) | $180,211 (0.7%) | 0.00 | 482 |
2018-02-01 | $170,900 (6.6%) | $180,029 (2.9%) | 0.00 | 462 |
2018-03-01 | $169,900 (6.3%) | $183,487 (5.0%) | 0.00 | 415 |
2018-04-01 | $164,950 (2.5%) | $182,588 (1.7%) | 0.00 | 436 |
2018-05-01 | $165,950 (-0.9%) | $183,335 (0.7%) | 0.00 | 445 |
2018-06-01 | $167,000 (1.3%) | $185,775 (2.9%) | 0.00 | 441 |
2018-07-01 | $169,450 (2.8%) | $187,641 (3.6%) | 0.00 | 463 |
2018-08-01 | $169,200 (5.8%) | $184,449 (2.9%) | 0.00 | 473 |
2018-09-01 | $174,900 (8.0%) | $187,271 (4.9%) | 0.00 | 477 |
2018-10-01 | $179,900 (10.1%) | $190,958 (8.3%) | 0.00 | 442 |
2018-11-01 | $178,400 (6.6%) | $188,326 (6.6%) | 0.00 | 418 |
2018-12-01 | $179,900 (4.7%) | $188,510 (4.8%) | 0.00 | 402 |
2019-01-01 | $177,400 (2.6%) | $186,490 (3.5%) | 0.00 | 361 |
2019-02-01 | $183,900 (7.6%) | $193,684 (7.6%) | 0.00 | 359 |
2019-03-01 | $187,043 (10.1%) | $195,838 (6.7%) | 0.00 | 341 |
2019-04-01 | $192,400 (16.6%) | $200,841 (10.0%) | 0.00 | 319 |
2019-05-01 | $193,555 (16.6%) | $200,988 (9.6%) | 0.00 | 314 |
2019-06-01 | $194,500 (16.5%) | $200,154 (7.7%) | 0.00 | 317 |
2019-07-01 | $182,400 (7.6%) | $193,741 (3.3%) | 0.00 | 313 |
2019-08-01 | $177,371 (4.8%) | $190,171 (3.1%) | 0.00 | 291 |
2019-09-01 | $177,371 (1.4%) | $190,413 (1.7%) | 0.00 | 288 |
2019-10-01 | $177,450 (-1.4%) | $192,264 (0.7%) | 0.00 | 290 |
2019-11-01 | $185,000 (3.7%) | $189,472 (0.6%) | 0.00 | 274 |
2019-12-01 | $189,700 (5.5%) | $187,080 (-0.8%) | 0.00 | 273 |
2020-01-01 | $191,900 (8.2%) | $188,646 (1.2%) | 0.00 | 254 |
2020-02-01 | $195,500 (6.3%) | $192,534 (-0.6%) | 0.00 | 237 |
2020-03-01 | $189,700 (1.4%) | $192,592 (-1.7%) | 0.00 | 218 |
2020-04-01 | $188,500 (-2.0%) | $187,132 (-6.8%) | 0.00 | 220 |
2020-05-01 | $192,000 (-0.8%) | $187,803 (-6.6%) | 0.00 | 175 |
2020-06-01 | $202,000 (3.9%) | $203,069 (1.5%) | 0.00 | 200 |
2020-07-01 | $212,400 (16.5%) | $205,043 (5.8%) | 0.00 | 159 |
2020-08-01 | $192,900 (8.8%) | $200,651 (5.5%) | 0.00 | 148 |
2020-09-01 | $190,450 (7.4%) | $203,841 (7.1%) | 0.00 | 130 |
2020-10-01 | $180,000 (1.4%) | $212,798 (10.7%) | 0.00 | 114 |
2020-11-01 | $188,970 (2.2%) | $213,930 (12.9%) | 0.00 | 129 |
2020-12-01 | $195,950 (3.3%) | $228,065 (21.9%) | 0.00 | 108 |
2021-01-01 | $195,000 (1.6%) | $230,852 (22.4%) | 0.00 | 118 |
2021-02-01 | $198,450 (1.5%) | $240,128 (24.7%) | 0.00 | 105 |
2021-03-01 | $192,000 (1.2%) | $218,138 (13.3%) | 0.00 | 86 |
2021-04-01 | $206,000 (9.3%) | $239,455 (28.0%) | 0.00 | 87 |
2021-05-01 | $249,000 (29.7%) | $254,657 (35.6%) | 0.00 | 110 |
2021-06-01 | $241,990 (19.8%) | $246,101 (21.2%) | 0.00 | 118 |
2021-07-01 | $219,950 (3.6%) | $234,981 (14.6%) | 0.00 | 137 |
2021-08-01 | $229,900 (19.2%) | $237,747 (18.5%) | 0.00 | 152 |
2021-09-01 | $194,950 (2.4%) | $211,728 (3.9%) | 0.00 | 135 |
2021-10-01 | $185,900 (3.3%) | $202,628 (-4.8%) | 0.00 | 129 |
2021-11-01 | $187,450 (-0.8%) | $228,945 (7.0%) | 0.00 | 108 |
2021-12-01 | $208,950 (6.6%) | $232,390 (1.9%) | 0.00 | 118 |
2022-01-01 | $249,000 (27.7%) | $255,905 (10.9%) | 0.00 | 110 |
2022-02-01 | $249,450 (25.7%) | $254,584 (6.0%) | 0.00 | 93 |
2022-03-01 | $242,900 (26.5%) | $255,067 (16.9%) | 0.00 | 90 |
2022-04-01 | $274,900 (33.5%) | $271,046 (13.2%) | 0.00 | 77 |
Goldsboro's median listing price comes in at 0% of the national average.
Goldsboro's average listing price for 2022-04-01 was $271,046, a difference of $31,591 (13.2%) versus the prior year and $15,979 versus the prior month.
For the 2022-04-01 period, Goldsboro had 77 MLS listings, a difference of -13 listings (-14%) versus the prior month and -10 listings (-11%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Goldsboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,860 sqft |
2018-02-01 | 0 days | 1,821 sqft |
2018-03-01 | 0 days | 1,865 sqft |
2018-04-01 | 0 days | 1,849 sqft |
2018-05-01 | 0 days | 1,835 sqft |
2018-06-01 | 0 days | 1,834 sqft |
2018-07-01 | 0 days | 1,859 sqft |
2018-08-01 | 0 days | 1,853 sqft |
2018-09-01 | 0 days | 1,860 sqft |
2018-10-01 | 0 days | 1,893 sqft |
2018-11-01 | 0 days | 1,884 sqft |
2018-12-01 | 0 days | 1,921 sqft |
2019-01-01 | 0 days | 1,922 sqft |
2019-02-01 | 0 days | 1,990 sqft |
2019-03-01 | 0 days | 2,011 sqft |
2019-04-01 | 0 days | 2,061 sqft |
2019-05-01 | 0 days | 2,091 sqft |
2019-06-01 | 0 days | 2,110 sqft |
2019-07-01 | 0 days | 2,094 sqft |
2019-08-01 | 0 days | 2,052 sqft |
2019-09-01 | 0 days | 2,011 sqft |
2019-10-01 | 0 days | 2,003 sqft |
2019-11-01 | 0 days | 1,916 sqft |
2019-12-01 | 0 days | 1,856 sqft |
2020-01-01 | 0 days | 1,907 sqft |
2020-02-01 | 0 days | 1,975 sqft |
2020-03-01 | 0 days | 1,999 sqft |
2020-04-01 | 0 days | 1,903 sqft |
2020-05-01 | 0 days | 1,926 sqft |
2020-06-01 | 0 days | 2,096 sqft |
2020-07-01 | 0 days | 2,189 sqft |
2020-08-01 | 0 days | 2,102 sqft |
2020-09-01 | 0 days | 2,024 sqft |
2020-10-01 | 0 days | 1,976 sqft |
2020-11-01 | 0 days | 1,865 sqft |
2020-12-01 | 0 days | 1,925 sqft |
2021-01-01 | 0 days | 1,770 sqft |
2021-02-01 | 0 days | 1,820 sqft |
2021-03-01 | 0 days | 1,726 sqft |
2021-04-01 | 0 days | 1,763 sqft |
2021-05-01 | 0 days | 1,895 sqft |
2021-06-01 | 0 days | 2,016 sqft |
2021-07-01 | 0 days | 1,915 sqft |
2021-08-01 | 0 days | 2,003 sqft |
2021-09-01 | 0 days | 1,813 sqft |
2021-10-01 | 0 days | 1,664 sqft |
2021-11-01 | 0 days | 1,772 sqft |
2021-12-01 | 0 days | 1,807 sqft |
2022-01-01 | 0 days | 1,975 sqft |
2022-02-01 | 0 days | 1,921 sqft |
2022-03-01 | 0 days | 1,759 sqft |
2022-04-01 | 0 days | 1,826 sqft |
Goldsboro's median square footage for active listings during the 2022-04-01 period was 1,826 sqft. One year prior, the average listing was 1,763 sqft.