Harrisburg USDA Loan Rates, Closing Costs & Stats

HARRISBURG-CARLISLE, PA

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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.

    Harrisburg's 25 lenders originated 38 USDA loans during 2023. The total origination value was $6,680,000, with an average USDA loan value of $175,789.

    Harrisburg USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Harrisburg averaged 6.59% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Harrisburg's average USDA mortgage closing costs are $5,701.

    The average rate for the prior week (2025-02-07) was 6.35% and one month ago for the week of 2025-01-10, the average rate was 6.69%.

    The average rate one year ago was 6.49%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.54%.

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

    Harrisburg 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 Harrisburg level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage America, Inc. 4 5.97% $4,908
    GUILD MORTGAGE COMPANY 4 6.56% $6,333
    CROSSCOUNTRY MORTGAGE, LLC 3 6.33% $9,134
    UNITED WHOLESALE MORTGAGE, LLC 2 6.06% $7,366
    Citizens Bank 2 6.94% $7,663
    MEMBERS 1ST FEDERAL CREDIT UNION 2 6.63% $5,719
    Northpointe Bank 2 6.00% $6,528
    HOMESPIRE MORTGAGE CORPORATION 1 6.63% $1,954
    Integrity Home Mortgage Corp 1 5.50% $12,739
    LOANDEPOT.COM, LLC 1 6.25% $6,712
    MOVEMENT MORTGAGE, LLC 1 7.63% $8,749
    M&T Bank 1 6.25% $6,835
    NFM, INC. 1 6.88% $7,595
    Paramount Residential Mortgage Group, Inc. 1 6.75% $8,496
    PLAZA HOME MORTGAGE, INC. 1 6.75% $10,214
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.13% $5,870
    Towne Bank 1 5.88% $6,266
    ABSOLUTE HOME MORTGAGE CORPORATION 1 7.13% $8,127
    Univest Bank and Trust Co. 1 7.13% $9,323
    ALLIED MORTGAGE GROUP, INC. 1 5.75% $14,028
    CMG MORTGAGE, INC. 1 7.25% $7,333
    Equity Prime Mortgage LLC 1 7.25% $5,003
    Flagstar Bank, FSB 1 6.75% $2,781
    Foote Capital Mortgage Company 1 6.75% $2,781
    GUARANTEED RATE AFFINITY, LLC 1 7.25% $8,811

    The top Harrisburg USDA lender as defined by loan originations is Mortgage America, Inc., with 4 USDA loans originated. Their average total fees are $4,908, which is $1,424 lower than the next largest lender, GUILD MORTGAGE COMPANY.

    The lowest fee Harrisburg USDA lenders (with over 10 loans originated) are .

    The lowest rate Harrisburg USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Harrisburg (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 $197,200 (10.2%) $241,318 (5.9%) 0.73 1,753
    2018-02-01 $201,950 (13.9%) $244,865 (6.4%) 0.73 1,669
    2018-03-01 $210,000 (13.6%) $254,267 (8.2%) 0.74 1,634
    2018-04-01 $208,500 (9.7%) $256,570 (5.9%) 0.71 1,660
    2018-05-01 $224,400 (12.2%) $265,594 (6.6%) 0.75 1,748
    2018-06-01 $219,900 (10.0%) $261,613 (4.6%) 0.73 1,876
    2018-07-01 $216,546 (11.1%) $260,414 (5.0%) 0.72 1,916
    2018-08-01 $219,900 (12.8%) $258,848 (5.5%) 0.74 1,963
    2018-09-01 $219,900 (15.8%) $260,591 (9.0%) 0.74 1,907
    2018-10-01 $217,133 (14.7%) $260,543 (10.4%) 0.73 1,890
    2018-11-01 $214,475 (15.7%) $258,527 (10.6%) 0.73 1,801
    2018-12-01 $219,266 (16.4%) $257,064 (9.7%) 0.76 1,615
    2019-01-01 $219,400 (11.3%) $256,397 (6.3%) 0.76 1,449
    2019-02-01 $219,950 (8.9%) $255,839 (4.5%) 0.74 1,362
    2019-03-01 $220,000 (4.8%) $262,573 (3.3%) 0.72 1,369
    2019-04-01 $220,000 (5.5%) $268,519 (4.7%) 0.70 1,413
    2019-05-01 $222,400 (-0.9%) $267,956 (0.9%) 0.70 1,497
    2019-06-01 $229,000 (4.1%) $270,171 (3.3%) 0.71 1,530
    2019-07-01 $233,450 (7.8%) $276,437 (6.2%) 0.73 1,555
    2019-08-01 $234,147 (6.5%) $278,892 (7.7%) 0.74 1,516
    2019-09-01 $237,383 (8.0%) $283,933 (9.0%) 0.76 1,449
    2019-10-01 $239,540 (10.3%) $286,782 (10.1%) 0.77 1,427
    2019-11-01 $234,900 (9.5%) $282,415 (9.2%) 0.77 1,404
    2019-12-01 $236,957 (8.1%) $284,642 (10.7%) 0.79 1,235
    2020-01-01 $239,900 (9.3%) $287,835 (12.3%) 0.80 1,061
    2020-02-01 $240,000 (9.1%) $291,490 (13.9%) 0.79 942
    2020-03-01 $249,993 (13.6%) $299,154 (13.9%) 0.78 904
    2020-04-01 $250,850 (14.0%) $301,074 (12.1%) 0.79 827
    2020-05-01 $254,100 (14.3%) $301,157 (12.4%) 0.77 890
    2020-06-01 $257,150 (12.3%) $301,846 (11.7%) 0.76 914
    2020-07-01 $261,075 (11.8%) $309,563 (12.0%) 0.76 792
    2020-08-01 $259,900 (11.0%) $314,156 (12.6%) 0.74 745
    2020-09-01 $256,650 (8.1%) $319,918 (12.7%) 0.74 724
    2020-10-01 $261,400 (9.1%) $325,379 (13.5%) 0.75 661
    2020-11-01 $257,550 (9.6%) $321,425 (13.8%) 0.75 620
    2020-12-01 $253,050 (6.8%) $313,620 (10.2%) 0.75 603
    2021-01-01 $259,900 (8.3%) $320,332 (11.3%) 0.78 525
    2021-02-01 $268,450 (11.9%) $323,661 (11.0%) 0.78 443
    2021-03-01 $279,125 (11.7%) $333,533 (11.5%) 0.79 447
    2021-04-01 $274,950 (9.6%) $341,816 (13.5%) 0.74 445
    2021-05-01 $279,000 (9.8%) $341,219 (13.3%) 0.74 496
    2021-06-01 $239,950 (-6.7%) $312,460 (3.5%) 0.63 634
    2021-07-01 $239,900 (-8.1%) $304,251 (-1.7%) 0.63 664
    2021-08-01 $239,950 (-7.7%) $308,494 (-1.8%) 0.64 684
    2021-09-01 $239,925 (-6.5%) $300,670 (-6.0%) 0.64 668
    2021-10-01 $249,900 (-4.4%) $318,190 (-2.2%) 0.67 654
    2021-11-01 $249,925 (-3.0%) $327,139 (1.8%) 0.67 610
    2021-12-01 $247,675 (-2.1%) $317,690 (1.3%) 0.67 535
    2022-01-01 $234,500 (-9.8%) $312,166 (-2.6%) 0.63 471
    2022-02-01 $261,950 (-2.4%) $336,308 (3.9%) 0.68 414
    2022-03-01 $262,450 (-6.0%) $337,825 (1.3%) 0.66 434
    2022-04-01 $289,900 (5.4%) $343,406 (0.5%) 0.69 492
    2022-05-01 $277,450 (-0.6%) $344,302 (0.9%) 0.63 565
    2022-06-01 $292,450 (21.9%) $355,315 (13.7%) 0.65 641
    2022-07-01 $298,053 (24.2%) $364,110 (19.7%) 0.67 679
    2022-08-01 $312,450 (30.2%) $367,617 (19.2%) 0.72 683
    2022-09-01 $297,450 (24.0%) $361,348 (20.2%) 0.70 703
    2022-10-01 $309,900 (24.0%) $364,632 (14.6%) 0.73 723
    2022-11-01 $309,500 (23.8%) $367,760 (12.4%) 0.74 706
    2022-12-01 $300,000 (21.1%) $363,491 (14.4%) 0.74 632
    2023-01-01 $319,998 (36.5%) $380,017 (21.7%) 0.79 538
    2023-02-01 $322,423 (23.1%) $388,846 (15.6%) 0.78 517
    2023-03-01 $344,925 (31.4%) $405,093 (19.9%) 0.81 505
    2023-04-01 $319,990 (10.4%) $403,248 (17.4%) 0.74 473
    2023-05-01 $320,550 (15.5%) $408,976 (18.8%) 0.73 503
    2023-06-01 $324,450 (10.9%) $397,203 (11.8%) 0.73 510
    2023-07-01 $332,350 (11.5%) $402,284 (10.5%) 0.76 519
    2023-08-01 $337,225 (7.9%) $405,813 (10.4%) 0.77 542
    2023-09-01 $330,000 (10.9%) $411,843 (14.0%) 0.77 577
    2023-10-01 $322,400 (4.0%) $403,593 (10.7%) 0.76 647
    2023-11-01 $297,575 (-3.9%) $388,152 (5.6%) 0.71 647
    2023-12-01 $306,200 (2.1%) $389,398 (7.1%) 0.75 608
    2024-01-01 $312,165 (-2.5%) $393,962 (3.7%) 0.76 542
    2024-02-01 $302,423 (-6.2%) $385,507 (-0.9%) 0.73 523
    2024-03-01 $309,950 (-10.1%) $387,121 (-4.4%) 0.73 555
    2024-04-01 $321,950 (0.6%) $398,868 (-1.1%) 0.75 559
    2024-05-01 $348,675 (8.8%) $425,138 (4.0%) 0.80 586
    2024-06-01 $349,900 (7.8%) $415,287 (4.6%) 0.79 625
    2024-07-01 $348,450 (4.8%) $421,413 (4.8%) 0.80 705
    2024-08-01 $337,000 (-0.1%) $415,138 (2.3%) 0.78 775
    2024-09-01 $332,450 (0.7%) $403,358 (-2.1%) 0.78 819
    2024-10-01 $333,509 (3.5%) $403,042 (-0.1%) 0.78 864
    2024-11-01 $331,990 (11.6%) $401,997 (3.6%) 0.80 837
    2024-12-01 $334,398 (9.2%) $401,738 (3.2%) 0.83 755
    2025-01-01 $349,450 (11.9%) $408,135 (3.6%) 0.00 708
    Harrisburg's median listing price for 2025-01-01 was $349,450, a difference of $37,285 (11.9%) versus the prior year and $15,052 versus the prior month.

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

    Harrisburg's average listing price for 2025-01-01 was $408,135, a difference of $14,173 (3.6%) versus the prior year and $6,397 versus the prior month.

    For the 2025-01-01 period, Harrisburg had 708 MLS listings, a difference of -47 listings (-6%) versus the prior month and 166 listings (31%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Harrisburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 93 days 1,799 sqft
    2018-02-01 88 days 1,814 sqft
    2018-03-01 72 days 1,846 sqft
    2018-04-01 60 days 1,832 sqft
    2018-05-01 54 days 1,850 sqft
    2018-06-01 52 days 1,970 sqft
    2018-07-01 59 days 1,954 sqft
    2018-08-01 62 days 1,950 sqft
    2018-09-01 64 days 1,966 sqft
    2018-10-01 67 days 1,944 sqft
    2018-11-01 72 days 1,920 sqft
    2018-12-01 80 days 1,920 sqft
    2019-01-01 89 days 1,907 sqft
    2019-02-01 85 days 1,900 sqft
    2019-03-01 61 days 1,905 sqft
    2019-04-01 42 days 1,936 sqft
    2019-05-01 42 days 2,018 sqft
    2019-06-01 47 days 2,031 sqft
    2019-07-01 53 days 2,082 sqft
    2019-08-01 54 days 2,070 sqft
    2019-09-01 54 days 2,096 sqft
    2019-10-01 56 days 2,114 sqft
    2019-11-01 60 days 2,105 sqft
    2019-12-01 74 days 2,100 sqft
    2020-01-01 86 days 2,097 sqft
    2020-02-01 72 days 2,100 sqft
    2020-03-01 50 days 2,133 sqft
    2020-04-01 63 days 2,104 sqft
    2020-05-01 66 days 2,132 sqft
    2020-06-01 37 days 2,118 sqft
    2020-07-01 35 days 2,109 sqft
    2020-08-01 32 days 2,114 sqft
    2020-09-01 36 days 2,079 sqft
    2020-10-01 50 days 2,084 sqft
    2020-11-01 51 days 2,067 sqft
    2020-12-01 54 days 2,058 sqft
    2021-01-01 65 days 2,063 sqft
    2021-02-01 59 days 2,070 sqft
    2021-03-01 48 days 2,056 sqft
    2021-04-01 41 days 2,018 sqft
    2021-05-01 36 days 1,962 sqft
    2021-06-01 34 days 1,853 sqft
    2021-07-01 36 days 1,881 sqft
    2021-08-01 37 days 1,863 sqft
    2021-09-01 43 days 1,853 sqft
    2021-10-01 43 days 1,816 sqft
    2021-11-01 44 days 1,830 sqft
    2021-12-01 51 days 1,823 sqft
    2022-01-01 52 days 1,831 sqft
    2022-02-01 43 days 1,869 sqft
    2022-03-01 32 days 1,855 sqft
    2022-04-01 33 days 1,888 sqft
    2022-05-01 35 days 1,885 sqft
    2022-06-01 35 days 1,919 sqft
    2022-07-01 38 days 1,936 sqft
    2022-08-01 39 days 1,956 sqft
    2022-09-01 43 days 1,938 sqft
    2022-10-01 44 days 1,951 sqft
    2022-11-01 47 days 1,964 sqft
    2022-12-01 57 days 1,950 sqft
    2023-01-01 68 days 1,989 sqft
    2023-02-01 60 days 1,934 sqft
    2023-03-01 47 days 2,011 sqft
    2023-04-01 38 days 2,010 sqft
    2023-05-01 35 days 1,990 sqft
    2023-06-01 38 days 1,992 sqft
    2023-07-01 38 days 2,031 sqft
    2023-08-01 34 days 2,038 sqft
    2023-09-01 37 days 2,050 sqft
    2023-10-01 36 days 1,980 sqft
    2023-11-01 43 days 1,911 sqft
    2023-12-01 50 days 1,875 sqft
    2024-01-01 54 days 1,873 sqft
    2024-02-01 43 days 1,844 sqft
    2024-03-01 40 days 1,876 sqft
    2024-04-01 37 days 1,863 sqft
    2024-05-01 28 days 1,907 sqft
    2024-06-01 30 days 1,932 sqft
    2024-07-01 37 days 1,969 sqft
    2024-08-01 37 days 1,967 sqft
    2024-09-01 39 days 1,964 sqft
    2024-10-01 45 days 1,947 sqft
    2024-11-01 46 days 1,936 sqft
    2024-12-01 50 days 1,913 sqft
    2025-01-01 0 days 1,906 sqft
    Harrisburg's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Harrisburg's median square footage for active listings during the 2025-01-01 period was 1,906 sqft. One year prior, the average listing was 1,873 sqft.