Henderson USDA Loan Rates, Closing Costs & Stats

Henderson, NC

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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.

    Henderson's 5 lenders originated 5 USDA loans during 2023. The total origination value was $1,055,000, with an average USDA loan value of $211,000.

    Henderson USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Henderson averaged 6.65% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Henderson's average USDA mortgage closing costs are $5,433.

    The average rate for the prior week (2025-02-07) was 6.31% and one month ago for the week of 2025-01-10, the average rate was 6.45%.

    The average rate one year ago was 6.35%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.63%.

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

    Henderson 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 Henderson level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    BROKER SOLUTIONS, INC. 1 6.63% $4,062
    First Reliance Bank 1 5.63% $6,003
    MOVEMENT MORTGAGE, LLC 1 6.50% $6,330
    NEWREZ LLC 1 6.75% $5,383
    UNITED WHOLESALE MORTGAGE, LLC 1 6.62% $6,824

    The top Henderson USDA lender as defined by loan originations is BROKER SOLUTIONS, INC., with 1 USDA loans originated. Their average total fees are $4,062, which is $1,940 lower than the next largest lender, First Reliance Bank.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Henderson (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 $180,495 (40.3%) $204,240 (17.4%) 0.00 72
    2018-02-01 $173,993 (18.1%) $204,679 (19.7%) 0.00 71
    2018-03-01 $149,900 (0.0%) $196,209 (4.5%) 0.00 79
    2018-04-01 $170,425 (13.6%) $196,762 (3.0%) 0.00 79
    2018-05-01 $163,990 (4.0%) $189,564 (0.3%) 0.00 79
    2018-06-01 $168,950 (5.2%) $196,959 (-0.1%) 0.00 76
    2018-07-01 $169,400 (-0.4%) $237,656 (16.4%) 0.00 71
    2018-08-01 $164,445 (0.8%) $234,810 (20.0%) 0.00 66
    2018-09-01 $159,950 (-3.3%) $243,779 (24.1%) 0.00 72
    2018-10-01 $183,175 (8.1%) $255,563 (28.8%) 0.00 70
    2018-11-01 $160,495 (-8.8%) $236,579 (16.7%) 0.00 79
    2018-12-01 $136,445 (-25.8%) $200,031 (-3.8%) 0.00 87
    2019-01-01 $129,848 (-28.1%) $168,225 (-17.6%) 0.00 80
    2019-02-01 $129,000 (-25.9%) $170,727 (-16.6%) 0.00 79
    2019-03-01 $137,764 (-8.1%) $180,021 (-8.3%) 0.00 72
    2019-04-01 $149,225 (-12.4%) $186,494 (-5.2%) 0.00 77
    2019-05-01 $149,475 (-8.9%) $191,693 (1.1%) 0.00 72
    2019-06-01 $192,450 (13.9%) $216,953 (10.2%) 0.00 57
    2019-07-01 $198,450 (17.2%) $217,380 (-8.5%) 0.00 56
    2019-08-01 $189,536 (15.3%) $210,349 (-10.4%) 0.00 57
    2019-09-01 $173,991 (8.8%) $201,169 (-17.5%) 0.00 60
    2019-10-01 $153,400 (-16.3%) $190,235 (-25.6%) 0.00 63
    2019-11-01 $159,000 (-0.9%) $185,432 (-21.6%) 0.00 70
    2019-12-01 $150,448 (10.3%) $177,770 (-11.1%) 0.00 64
    2020-01-01 $179,000 (37.9%) $214,664 (27.6%) 0.00 46
    2020-02-01 $172,450 (33.7%) $193,388 (13.3%) 0.00 49
    2020-03-01 $153,750 (11.6%) $185,814 (3.2%) 0.00 55
    2020-04-01 $189,553 (27.0%) $194,777 (4.4%) 0.00 60
    2020-05-01 $189,990 (27.1%) $195,948 (2.2%) 0.00 57
    2020-06-01 $173,100 (-10.1%) $204,438 (-5.8%) 0.00 41
    2020-07-01 $199,745 (0.7%) $220,578 (1.5%) 0.00 40
    2020-08-01 $239,000 (26.1%) $271,041 (28.9%) 0.00 34
    2020-09-01 $254,675 (46.4%) $293,488 (45.9%) 0.00 37
    2020-10-01 $161,500 (5.3%) $276,897 (45.6%) 0.00 35
    2020-11-01 $166,750 (4.9%) $271,825 (46.6%) 0.00 38
    2020-12-01 $159,250 (5.9%) $226,227 (27.3%) 0.00 33
    2021-01-01 $167,500 (-6.4%) $241,832 (12.7%) 0.00 28
    2021-02-01 $160,000 (-7.2%) $222,386 (15.0%) 0.00 27
    2021-03-01 $166,475 (8.3%) $316,724 (70.5%) 0.00 20
    2021-04-01 $229,725 (21.2%) $339,516 (74.3%) 0.00 22
    2021-05-01 $202,400 (6.5%) $283,732 (44.8%) 0.00 24
    2021-06-01 $212,250 (22.6%) $292,077 (42.9%) 0.00 25
    2021-07-01 $175,000 (-12.4%) $289,244 (31.1%) 0.00 32
    2021-08-01 $163,750 (-31.5%) $263,661 (-2.7%) 0.00 50
    2021-09-01 $165,000 (-35.2%) $284,843 (-3.0%) 0.00 49
    2021-10-01 $186,250 (15.3%) $269,061 (-2.8%) 0.00 40
    2021-11-01 $159,975 (-4.1%) $226,142 (-16.8%) 0.00 35
    2021-12-01 $160,000 (0.5%) $264,610 (17.0%) 0.00 31
    2022-01-01 $169,950 (1.5%) $274,730 (13.6%) 0.00 30
    2022-02-01 $158,450 (-1.0%) $242,231 (8.9%) 0.00 25
    2022-03-01 $268,475 (61.3%) $319,880 (1.0%) 0.00 26
    2022-04-01 $289,900 (26.2%) $352,072 (3.7%) 0.00 26
    2022-05-01 $270,000 (33.4%) $328,350 (15.7%) 0.00 34
    2022-06-01 $275,975 (30.0%) $325,080 (11.3%) 0.00 40
    2022-07-01 $282,200 (61.3%) $327,973 (13.4%) 0.00 49
    2022-08-01 $282,200 (72.3%) $331,591 (25.8%) 0.00 56
    2022-09-01 $277,000 (67.9%) $320,670 (12.6%) 0.00 54
    2022-10-01 $270,000 (45.0%) $321,121 (19.4%) 0.00 56
    2022-11-01 $258,675 (61.7%) $305,042 (34.9%) 0.00 55
    2022-12-01 $244,950 (53.1%) $308,570 (16.6%) 0.00 52
    2023-01-01 $281,225 (65.5%) $313,390 (14.1%) 0.00 49
    2023-02-01 $268,750 (69.6%) $297,839 (23.0%) 0.00 53
    2023-03-01 $309,225 (15.2%) $341,478 (6.8%) 0.00 53
    2023-04-01 $325,000 (12.1%) $368,202 (4.6%) 0.00 41
    2023-05-01 $325,000 (20.4%) $370,978 (13.0%) 0.00 41
    2023-06-01 $325,000 (17.8%) $383,532 (18.0%) 0.00 44
    2023-07-01 $315,000 (11.6%) $386,682 (17.9%) 0.00 48
    2023-08-01 $299,725 (6.2%) $358,169 (8.0%) 0.00 55
    2023-09-01 $299,500 (8.1%) $351,961 (9.8%) 0.00 55
    2023-10-01 $295,000 (9.3%) $346,173 (7.8%) 0.00 53
    2023-11-01 $289,000 (11.7%) $323,289 (6.0%) 0.00 53
    2023-12-01 $299,250 (22.2%) $349,452 (13.3%) 0.00 54
    2024-01-01 $282,300 (0.4%) $328,231 (4.7%) 0.00 54
    2024-02-01 $284,500 (5.9%) $324,633 (9.0%) 0.00 56
    2024-03-01 $304,900 (-1.4%) $337,181 (-1.3%) 0.00 50
    2024-04-01 $309,312 (-4.8%) $349,048 (-5.2%) 0.00 57
    2024-05-01 $310,500 (-4.5%) $356,042 (-4.0%) 0.00 55
    2024-06-01 $325,000 (0.0%) $370,640 (-3.4%) 0.00 61
    2024-07-01 $299,925 (-4.8%) $356,320 (-7.9%) 0.00 63
    2024-08-01 $304,499 (1.6%) $337,696 (-5.7%) 0.00 80
    2024-09-01 $308,500 (3.0%) $341,212 (-3.1%) 0.00 87
    2024-10-01 $300,000 (1.7%) $334,592 (-3.4%) 0.00 86
    2024-11-01 $284,950 (-1.4%) $322,595 (-0.2%) 0.00 89
    2024-12-01 $284,950 (-4.8%) $328,712 (-5.9%) 0.00 77
    2025-01-01 $275,725 (-2.3%) $312,817 (-4.7%) 0.00 66
    Henderson's median listing price for 2025-01-01 was $275,725, a difference of $-6,575 (-2.3%) versus the prior year and $-9,225 versus the prior month.

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

    Henderson's average listing price for 2025-01-01 was $312,817, a difference of $-15,414 (-4.7%) versus the prior year and $-15,895 versus the prior month.

    For the 2025-01-01 period, Henderson had 66 MLS listings, a difference of -11 listings (-14%) versus the prior month and 12 listings (22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Henderson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,933 sqft
    2018-02-01 0 days 1,897 sqft
    2018-03-01 0 days 1,803 sqft
    2018-04-01 0 days 1,733 sqft
    2018-05-01 0 days 1,760 sqft
    2018-06-01 0 days 1,801 sqft
    2018-07-01 0 days 1,843 sqft
    2018-08-01 0 days 1,805 sqft
    2018-09-01 0 days 1,810 sqft
    2018-10-01 0 days 1,819 sqft
    2018-11-01 0 days 1,759 sqft
    2018-12-01 0 days 1,534 sqft
    2019-01-01 0 days 1,436 sqft
    2019-02-01 0 days 1,526 sqft
    2019-03-01 0 days 1,568 sqft
    2019-04-01 0 days 1,620 sqft
    2019-05-01 0 days 1,653 sqft
    2019-06-01 0 days 1,787 sqft
    2019-07-01 0 days 1,831 sqft
    2019-08-01 0 days 1,788 sqft
    2019-09-01 0 days 1,739 sqft
    2019-10-01 0 days 1,662 sqft
    2019-11-01 0 days 1,569 sqft
    2019-12-01 0 days 1,469 sqft
    2020-01-01 0 days 1,757 sqft
    2020-02-01 0 days 1,813 sqft
    2020-03-01 0 days 1,847 sqft
    2020-04-01 0 days 1,922 sqft
    2020-05-01 0 days 1,814 sqft
    2020-06-01 0 days 1,808 sqft
    2020-07-01 0 days 1,853 sqft
    2020-08-01 0 days 1,844 sqft
    2020-09-01 0 days 1,711 sqft
    2020-10-01 0 days 1,850 sqft
    2020-11-01 0 days 1,781 sqft
    2020-12-01 0 days 1,641 sqft
    2021-01-01 0 days 1,617 sqft
    2021-02-01 0 days 1,544 sqft
    2021-03-01 0 days 1,757 sqft
    2021-04-01 0 days 2,022 sqft
    2021-05-01 0 days 1,721 sqft
    2021-06-01 0 days 1,794 sqft
    2021-07-01 0 days 1,740 sqft
    2021-08-01 0 days 1,578 sqft
    2021-09-01 0 days 1,507 sqft
    2021-10-01 0 days 1,456 sqft
    2021-11-01 0 days 1,456 sqft
    2021-12-01 0 days 1,608 sqft
    2022-01-01 0 days 1,396 sqft
    2022-02-01 0 days 1,307 sqft
    2022-03-01 0 days 1,602 sqft
    2022-04-01 0 days 1,665 sqft
    2022-05-01 0 days 1,665 sqft
    2022-06-01 0 days 1,672 sqft
    2022-07-01 0 days 1,667 sqft
    2022-08-01 0 days 1,736 sqft
    2022-09-01 0 days 1,724 sqft
    2022-10-01 0 days 1,660 sqft
    2022-11-01 0 days 1,658 sqft
    2022-12-01 0 days 1,568 sqft
    2023-01-01 0 days 1,643 sqft
    2023-02-01 0 days 1,665 sqft
    2023-03-01 0 days 1,730 sqft
    2023-04-01 0 days 1,738 sqft
    2023-05-01 0 days 1,738 sqft
    2023-06-01 0 days 1,751 sqft
    2023-07-01 0 days 1,739 sqft
    2023-08-01 0 days 1,738 sqft
    2023-09-01 0 days 1,612 sqft
    2023-10-01 0 days 1,717 sqft
    2023-11-01 0 days 1,520 sqft
    2023-12-01 0 days 1,618 sqft
    2024-01-01 0 days 1,607 sqft
    2024-02-01 0 days 1,610 sqft
    2024-03-01 0 days 1,694 sqft
    2024-04-01 0 days 1,693 sqft
    2024-05-01 0 days 1,738 sqft
    2024-06-01 0 days 1,800 sqft
    2024-07-01 0 days 1,736 sqft
    2024-08-01 0 days 1,749 sqft
    2024-09-01 0 days 1,807 sqft
    2024-10-01 0 days 1,800 sqft
    2024-11-01 0 days 1,776 sqft
    2024-12-01 0 days 1,801 sqft
    2025-01-01 0 days 1,773 sqft
    Henderson's median listing age (time on market) for 2025-01-01 was 0 days.

    Henderson's median square footage for active listings during the 2025-01-01 period was 1,773 sqft. One year prior, the average listing was 1,607 sqft.