Gulfport USDA Loan Rates, Closing Costs & Stats

GULFPORT-BILOXI, MS

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    • 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.

    Gulfport's 40 lenders originated 144 USDA loans during 2024. The total origination value was $28,520,000, with an average USDA loan value of $198,056.

    Gulfport USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Gulfport averaged 6.29% for the week of 2025-04-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Gulfport's average USDA mortgage closing costs are $4,954.

    The average rate for the prior week (2025-04-04) was 6.35% and one month ago for the week of 2025-03-07, the average rate was 6.41%.

    The average rate one year ago was 6.57%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.47%.

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

    Gulfport 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 Gulfport level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    CMG MORTGAGE, INC. 29 6.59% $7,623
    DHI MORTGAGE COMPANY, LTD. 13 5.04% $4,888
    SWBC MORTGAGE CORPORATION 13 5.84% $5,273
    Trustmark National Bank 8 5.81% $7,084
    CROSSCOUNTRY MORTGAGE, LLC 7 6.63% $7,869
    DELMAR FINANCIAL COMPANY 7 6.34% $7,852
    DSLD MORTGAGE, LLC 6 5.33% $3,342
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.65% $6,920
    BROKER SOLUTIONS, INC. 5 7.08% $8,033
    MORTGAGE SOLUTIONS OF COLORADO, LLC 5 6.68% $6,243
    UNITED WHOLESALE MORTGAGE, LLC 3 6.58% $8,355
    PRIMELENDING, A PLAINSCAPITAL COMPANY 3 7.25% $7,059
    PLANET HOME LENDING, LLC 3 6.24% $6,335
    AFFORDABLE MORTGAGE ADVISORS, LLC. 2 6.52% $5,642
    EUSTIS AND AMERICAN MORTGAGE COMPANY 2 6.37% $5,496
    GMFS LLC 2 6.31% $4,637
    Regions Bank 2 6.06% $6,394
    Residential Acceptance Corporation 2 7.38% $9,002
    STOCKTON MORTGAGE CORPORATION 2 0.00% $10,694
    Gulf Coast Bank and Trust Company 1 6.50% $5,989
    Hancock Whitney Bank 1 6.25% $6,007
    KEESLER 1 6.50% $5,947
    LIBERTY HOME MORTGAGE CORPORATION 1 6.25% $6,310
    LOANDEPOT.COM, LLC 1 6.25% $6,155
    Magnolia Bank 1 6.49% $8,108
    Merchants & Marine Bank 1 6.25% $4,164
    MORTGAGE INVESTORS GROUP, INC. 1 6.25% $5,404
    EVERETT FINANCIAL, INC. 1 5.99% $7,662
    NEWREZ LLC 1 6.75% $4,015
    Origin Bank 1 7.13% $5,647
    Equity Prime Mortgage LLC 1 6.75% $4,825
    Cornerstone First Mortgage, Inc 1 6.62% $6,707
    TOWNE MORTGAGE COMPANY 1 6.75% $6,055
    BancorpSouth 1 6.13% $6,016
    STANDARD MORTGAGE CORPORATION 1 7.25% $5,786
    American Mortgage Bank, LLC 1 7.00% $5,308
    FBC MORTGAGE, LLC 1 3.99% $5,192
    FIRST COLONY MORTGAGE CORPORATION 1 6.75% $5,487
    FIRST COMMUNITY MORTGAGE, INC. 1 5.49% $6,607
    BankPlus 1 6.50% $4,934

    The top Gulfport USDA lender as defined by loan originations is CMG MORTGAGE, INC., with 29 USDA loans originated. Their average total fees are $7,623, which is $2,735 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Gulfport USDA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($4,888), SWBC MORTGAGE CORPORATION ($5,273), CMG MORTGAGE, INC. ($7,623), .

    The lowest rate Gulfport USDA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.04%), SWBC MORTGAGE CORPORATION (5.84%), CMG MORTGAGE, INC. (6.59%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Gulfport (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 $179,000 (4.8%) $245,405 (5.0%) 0.66 2,026
    2018-02-01 $179,850 (4.1%) $242,101 (4.0%) 0.65 2,044
    2018-03-01 $186,900 (6.1%) $251,435 (6.6%) 0.66 2,087
    2018-04-01 $189,950 (5.9%) $256,140 (6.2%) 0.64 2,152
    2018-05-01 $195,475 (8.6%) $259,286 (7.2%) 0.65 2,145
    2018-06-01 $195,000 (5.5%) $262,835 (8.7%) 0.65 2,143
    2018-07-01 $194,950 (5.4%) $263,098 (8.0%) 0.65 2,109
    2018-08-01 $195,450 (7.2%) $260,073 (7.1%) 0.65 2,119
    2018-09-01 $197,500 (9.8%) $261,028 (7.4%) 0.66 2,130
    2018-10-01 $197,725 (10.5%) $258,922 (7.0%) 0.67 2,092
    2018-11-01 $190,813 (6.9%) $255,346 (5.7%) 0.65 2,107
    2018-12-01 $189,900 (6.5%) $250,887 (3.2%) 0.66 2,027
    2019-01-01 $189,950 (6.1%) $248,294 (1.2%) 0.66 1,999
    2019-02-01 $194,950 (8.4%) $252,469 (4.3%) 0.66 1,992
    2019-03-01 $195,450 (4.6%) $254,997 (1.4%) 0.64 1,996
    2019-04-01 $196,775 (3.6%) $257,035 (0.4%) 0.62 2,038
    2019-05-01 $204,375 (4.6%) $259,884 (0.2%) 0.64 2,061
    2019-06-01 $201,750 (3.5%) $258,712 (-1.6%) 0.63 2,169
    2019-07-01 $204,070 (4.7%) $261,336 (-0.7%) 0.64 2,203
    2019-08-01 $203,722 (4.2%) $263,158 (1.2%) 0.65 2,160
    2019-09-01 $201,806 (2.2%) $263,320 (0.9%) 0.65 2,098
    2019-10-01 $200,494 (1.4%) $263,428 (1.7%) 0.65 2,041
    2019-11-01 $199,900 (4.8%) $263,922 (3.4%) 0.66 2,009
    2019-12-01 $198,950 (4.8%) $260,169 (3.7%) 0.66 2,010
    2020-01-01 $198,450 (4.5%) $259,555 (4.5%) 0.66 1,858
    2020-02-01 $199,900 (2.5%) $259,363 (2.7%) 0.65 1,892
    2020-03-01 $208,950 (6.9%) $265,934 (4.3%) 0.66 1,888
    2020-04-01 $209,950 (6.7%) $265,607 (3.3%) 0.66 1,862
    2020-05-01 $215,000 (5.2%) $269,827 (3.8%) 0.65 1,685
    2020-06-01 $225,000 (11.5%) $279,844 (8.2%) 0.66 1,450
    2020-07-01 $233,505 (14.4%) $286,870 (9.8%) 0.68 1,344
    2020-08-01 $243,100 (19.3%) $294,779 (12.0%) 0.70 1,216
    2020-09-01 $246,770 (22.3%) $300,032 (13.9%) 0.71 1,158
    2020-10-01 $247,738 (23.6%) $296,993 (12.7%) 0.71 1,114
    2020-11-01 $238,900 (19.5%) $286,521 (8.6%) 0.70 1,098
    2020-12-01 $238,819 (20.0%) $286,023 (9.9%) 0.71 1,026
    2021-01-01 $239,000 (20.4%) $286,648 (10.4%) 0.71 924
    2021-02-01 $240,900 (20.5%) $297,496 (14.7%) 0.70 779
    2021-03-01 $233,950 (12.0%) $300,336 (12.9%) 0.66 750
    2021-04-01 $232,000 (10.5%) $315,325 (18.7%) 0.63 682
    2021-05-01 $234,900 (9.3%) $319,055 (18.2%) 0.62 684
    2021-06-01 $231,125 (2.7%) $327,543 (17.0%) 0.61 740
    2021-07-01 $239,000 (2.4%) $331,803 (15.7%) 0.63 837
    2021-08-01 $236,385 (-2.8%) $325,073 (10.3%) 0.63 890
    2021-09-01 $235,000 (-4.8%) $320,465 (6.8%) 0.63 912
    2021-10-01 $245,000 (-1.1%) $330,478 (11.3%) 0.65 869
    2021-11-01 $254,375 (6.5%) $341,770 (19.3%) 0.68 765
    2021-12-01 $256,213 (7.3%) $339,575 (18.7%) 0.69 728
    2022-01-01 $255,000 (6.7%) $350,187 (22.2%) 0.69 648
    2022-02-01 $269,475 (11.9%) $363,837 (22.3%) 0.70 619
    2022-03-01 $277,450 (18.6%) $358,218 (19.3%) 0.69 647
    2022-04-01 $293,900 (26.7%) $371,009 (17.7%) 0.70 700
    2022-05-01 $295,801 (25.9%) $375,197 (17.6%) 0.68 790
    2022-06-01 $297,000 (28.5%) $375,443 (14.6%) 0.66 913
    2022-07-01 $295,900 (23.8%) $368,732 (11.1%) 0.67 1,022
    2022-08-01 $289,950 (22.7%) $362,329 (11.5%) 0.67 1,107
    2022-09-01 $295,340 (25.7%) $360,217 (12.4%) 0.69 1,108
    2022-10-01 $297,500 (21.4%) $358,566 (8.5%) 0.70 1,142
    2022-11-01 $288,400 (13.4%) $354,748 (3.8%) 0.69 1,175
    2022-12-01 $279,950 (9.3%) $357,634 (5.3%) 0.69 1,106
    2023-01-01 $293,053 (14.9%) $364,710 (4.2%) 0.73 1,011
    2023-02-01 $299,178 (11.0%) $381,491 (4.9%) 0.72 983
    2023-03-01 $304,500 (9.8%) $391,521 (9.3%) 0.72 973
    2023-04-01 $315,900 (7.5%) $398,589 (7.4%) 0.73 943
    2023-05-01 $300,900 (1.7%) $392,960 (4.7%) 0.68 1,033
    2023-06-01 $297,738 (0.3%) $384,118 (2.3%) 0.67 1,103
    2023-07-01 $305,000 (3.1%) $385,308 (4.5%) 0.69 1,180
    2023-08-01 $304,950 (5.2%) $378,866 (4.6%) 0.70 1,222
    2023-09-01 $299,900 (1.5%) $371,804 (3.2%) 0.70 1,280
    2023-10-01 $289,725 (-2.6%) $360,943 (0.7%) 0.68 1,387
    2023-11-01 $295,000 (2.3%) $364,958 (2.9%) 0.70 1,500
    2023-12-01 $295,000 (5.4%) $362,112 (1.3%) 0.72 1,500
    2024-01-01 $289,238 (-1.3%) $360,407 (-1.2%) 0.71 1,483
    2024-02-01 $287,495 (-3.9%) $361,020 (-5.4%) 0.69 1,506
    2024-03-01 $289,000 (-5.1%) $365,795 (-6.6%) 0.68 1,581
    2024-04-01 $289,963 (-8.2%) $367,227 (-7.9%) 0.67 1,660
    2024-05-01 $293,462 (-2.5%) $368,275 (-6.3%) 0.67 1,782
    2024-06-01 $295,000 (-0.9%) $369,042 (-3.9%) 0.67 1,830
    2024-07-01 $293,000 (-3.9%) $367,915 (-4.5%) 0.67 1,867
    2024-08-01 $298,900 (-2.0%) $368,642 (-2.7%) 0.70 1,836
    2024-09-01 $299,000 (-0.3%) $372,122 (0.1%) 0.70 1,892
    2024-10-01 $299,000 (3.2%) $376,793 (4.4%) 0.70 1,890
    2024-11-01 $296,000 (0.3%) $373,845 (2.4%) 0.71 1,896
    2024-12-01 $296,000 (0.3%) $375,496 (3.7%) 0.74 1,787
    2025-01-01 $289,950 (0.3%) $369,991 (2.7%) 0.72 1,710
    2025-02-01 $290,450 (1.0%) $368,537 (2.1%) 0.71 1,758
    2025-03-01 $290,000 (0.4%) $370,678 (1.3%) 0.00 1,799
    Gulfport's median listing price for 2025-03-01 was $290,000, a difference of $1,000 (0.4%) versus the prior year and $-450 versus the prior month.

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

    Gulfport's average listing price for 2025-03-01 was $370,678, a difference of $4,883 (1.3%) versus the prior year and $2,141 versus the prior month.

    For the 2025-03-01 period, Gulfport had 1,799 MLS listings, a difference of 41 listings (2%) versus the prior month and 218 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Gulfport (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 93 days 1,842 sqft
    2018-02-01 91 days 1,835 sqft
    2018-03-01 73 days 1,855 sqft
    2018-04-01 70 days 1,876 sqft
    2018-05-01 67 days 1,902 sqft
    2018-06-01 71 days 1,900 sqft
    2018-07-01 76 days 1,908 sqft
    2018-08-01 78 days 1,912 sqft
    2018-09-01 82 days 1,900 sqft
    2018-10-01 84 days 1,900 sqft
    2018-11-01 86 days 1,880 sqft
    2018-12-01 91 days 1,861 sqft
    2019-01-01 95 days 1,854 sqft
    2019-02-01 88 days 1,857 sqft
    2019-03-01 78 days 1,874 sqft
    2019-04-01 71 days 1,895 sqft
    2019-05-01 68 days 1,921 sqft
    2019-06-01 67 days 1,900 sqft
    2019-07-01 68 days 1,907 sqft
    2019-08-01 73 days 1,913 sqft
    2019-09-01 76 days 1,923 sqft
    2019-10-01 78 days 1,928 sqft
    2019-11-01 79 days 1,920 sqft
    2019-12-01 82 days 1,893 sqft
    2020-01-01 89 days 1,879 sqft
    2020-02-01 87 days 1,900 sqft
    2020-03-01 67 days 1,916 sqft
    2020-04-01 72 days 1,907 sqft
    2020-05-01 78 days 1,914 sqft
    2020-06-01 82 days 1,930 sqft
    2020-07-01 66 days 2,016 sqft
    2020-08-01 60 days 2,009 sqft
    2020-09-01 58 days 2,001 sqft
    2020-10-01 58 days 1,981 sqft
    2020-11-01 59 days 1,949 sqft
    2020-12-01 65 days 1,921 sqft
    2021-01-01 73 days 1,886 sqft
    2021-02-01 63 days 1,876 sqft
    2021-03-01 46 days 1,843 sqft
    2021-04-01 44 days 1,808 sqft
    2021-05-01 31 days 1,748 sqft
    2021-06-01 36 days 1,800 sqft
    2021-07-01 38 days 1,820 sqft
    2021-08-01 39 days 1,848 sqft
    2021-09-01 47 days 1,852 sqft
    2021-10-01 24 days 1,900 sqft
    2021-11-01 42 days 1,914 sqft
    2021-12-01 54 days 1,919 sqft
    2022-01-01 59 days 1,900 sqft
    2022-02-01 53 days 1,924 sqft
    2022-03-01 35 days 1,874 sqft
    2022-04-01 32 days 1,887 sqft
    2022-05-01 35 days 1,897 sqft
    2022-06-01 37 days 1,896 sqft
    2022-07-01 43 days 1,881 sqft
    2022-08-01 48 days 1,899 sqft
    2022-09-01 56 days 1,898 sqft
    2022-10-01 60 days 1,892 sqft
    2022-11-01 65 days 1,895 sqft
    2022-12-01 74 days 1,872 sqft
    2023-01-01 84 days 1,861 sqft
    2023-02-01 86 days 1,913 sqft
    2023-03-01 63 days 1,940 sqft
    2023-04-01 58 days 1,930 sqft
    2023-05-01 52 days 1,901 sqft
    2023-06-01 48 days 1,861 sqft
    2023-07-01 52 days 1,824 sqft
    2023-08-01 55 days 1,807 sqft
    2023-09-01 58 days 1,773 sqft
    2023-10-01 55 days 1,747 sqft
    2023-11-01 57 days 1,725 sqft
    2023-12-01 67 days 1,700 sqft
    2024-01-01 76 days 1,703 sqft
    2024-02-01 75 days 1,691 sqft
    2024-03-01 59 days 1,724 sqft
    2024-04-01 57 days 1,747 sqft
    2024-05-01 57 days 1,750 sqft
    2024-06-01 60 days 1,750 sqft
    2024-07-01 67 days 1,747 sqft
    2024-08-01 68 days 1,755 sqft
    2024-09-01 70 days 1,768 sqft
    2024-10-01 73 days 1,765 sqft
    2024-11-01 77 days 1,756 sqft
    2024-12-01 82 days 1,757 sqft
    2025-01-01 88 days 1,720 sqft
    2025-02-01 83 days 1,729 sqft
    2025-03-01 0 days 1,736 sqft
    Gulfport's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Gulfport's median square footage for active listings during the 2025-03-01 period was 1,736 sqft. One year prior, the average listing was 1,724 sqft.