Jacksonville USDA Loan Rates, Closing Costs & Stats
JACKSONVILLE, FL
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.
Jacksonville's 18 lenders originated 38 USDA loans during 2024. The total origination value was $10,600,000, with an average USDA loan value of $278,947.
Jacksonville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Jacksonville
averaged
6.34%
for the week of 2025-07-11, compared to the national average (all USDA variants) of
6.449% for the same period.
Jacksonville's average USDA mortgage closing costs are $6,294.
The average rate for the prior week (2025-07-04) was
6.15% and
one month ago for the week of 2025-06-06, the
average rate was 6.24%.
The average rate one year ago was 6.43%.
For refis of the same type during the week of 2025-07-11, the average rate
was 6.22%.
Jacksonville 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 Jacksonville level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 8 | 4.57% | $6,031 |
| Equity Prime Mortgage LLC | 6 | 6.15% | $7,628 |
| UNITED WHOLESALE MORTGAGE, LLC | 5 | 5.56% | $13,882 |
| Gateway First Bank | 2 | 6.00% | $18,554 |
| TOWNE MORTGAGE COMPANY | 2 | 6.50% | $9,129 |
| CMG MORTGAGE, INC. | 1 | 6.50% | $9,465 |
| EVERETT FINANCIAL, INC. | 1 | 7.13% | $7,056 |
| FBC MORTGAGE, LLC | 1 | 5.63% | $12,861 |
| FLAT BRANCH MORTGAGE, INC. | 1 | 5.88% | $14,321 |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | 6.13% | $10,493 |
| GUILD MORTGAGE COMPANY | 1 | 6.00% | $5,934 |
| Hancock Whitney Bank | 1 | 6.50% | $5,282 |
| JMAC LENDING, INC. | 1 | 6.88% | $6,255 |
| LOANDEPOT.COM, LLC | 1 | 5.25% | $17,401 |
| NEWREZ LLC | 1 | 6.75% | $6,295 |
| ON Q FINANCIAL, INC. | 1 | 6.50% | $7,318 |
| Century Mortgage Company DBA Century Lending Company | 1 | 7.00% | $10,718 |
| EAGLE HOME MORTGAGE, LLC | 1 | 4.38% | $8,722 |
The top Jacksonville USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with
8 USDA loans originated. Their average total fees are
$6,031, which is $1,596
lower than the next largest lender,
Equity Prime Mortgage LLC.
The lowest fee Jacksonville USDA lenders (with over 10 loans originated) are
.
The lowest rate Jacksonville USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Jacksonville (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 | $311,800 (9.4%) | $425,415 (6.3%) | 1.16 | 6,547 |
| 2018-02-01 | $318,945 (11.1%) | $432,011 (8.2%) | 1.16 | 6,709 |
| 2018-03-01 | $324,900 (9.0%) | $443,087 (7.9%) | 1.14 | 6,989 |
| 2018-04-01 | $324,450 (7.6%) | $443,535 (5.9%) | 1.10 | 7,115 |
| 2018-05-01 | $319,950 (1.6%) | $444,197 (2.3%) | 1.07 | 7,350 |
| 2018-06-01 | $319,900 (3.4%) | $437,133 (1.8%) | 1.07 | 7,618 |
| 2018-07-01 | $309,000 (0.0%) | $422,898 (-1.2%) | 1.03 | 8,143 |
| 2018-08-01 | $302,345 (-2.2%) | $419,339 (-1.8%) | 1.01 | 8,168 |
| 2018-09-01 | $299,000 (-1.6%) | $411,043 (-2.9%) | 1.01 | 8,164 |
| 2018-10-01 | $294,995 (-4.7%) | $406,860 (-3.3%) | 1.00 | 8,335 |
| 2018-11-01 | $291,495 (-6.0%) | $403,721 (-4.7%) | 0.99 | 8,428 |
| 2018-12-01 | $295,895 (-3.0%) | $403,835 (-3.6%) | 1.02 | 8,114 |
| 2019-01-01 | $296,995 (-4.8%) | $408,388 (-4.0%) | 1.03 | 7,813 |
| 2019-02-01 | $299,900 (-6.0%) | $415,188 (-3.9%) | 1.01 | 7,884 |
| 2019-03-01 | $305,081 (-6.1%) | $428,780 (-3.2%) | 1.00 | 7,863 |
| 2019-04-01 | $312,278 (-3.8%) | $443,553 (0.0%) | 0.99 | 7,890 |
| 2019-05-01 | $314,950 (-1.6%) | $445,407 (0.3%) | 0.98 | 7,911 |
| 2019-06-01 | $311,302 (-2.7%) | $444,273 (1.6%) | 0.97 | 7,951 |
| 2019-07-01 | $308,139 (-0.3%) | $438,965 (3.8%) | 0.96 | 7,886 |
| 2019-08-01 | $303,973 (0.5%) | $436,276 (4.0%) | 0.96 | 7,867 |
| 2019-09-01 | $301,682 (0.9%) | $435,987 (6.1%) | 0.97 | 7,772 |
| 2019-10-01 | $299,925 (1.7%) | $435,200 (7.0%) | 0.97 | 7,718 |
| 2019-11-01 | $299,999 (2.9%) | $437,370 (8.3%) | 0.98 | 7,593 |
| 2019-12-01 | $299,948 (1.4%) | $437,599 (8.4%) | 1.00 | 7,243 |
| 2020-01-01 | $299,950 (1.0%) | $437,961 (7.2%) | 1.00 | 6,861 |
| 2020-02-01 | $310,000 (3.4%) | $444,812 (7.1%) | 1.01 | 6,784 |
| 2020-03-01 | $311,493 (2.1%) | $441,916 (3.1%) | 0.98 | 6,845 |
| 2020-04-01 | $299,950 (-4.0%) | $428,421 (-3.4%) | 0.94 | 7,385 |
| 2020-05-01 | $305,990 (-2.8%) | $434,250 (-2.5%) | 0.93 | 7,040 |
| 2020-06-01 | $308,423 (-0.9%) | $435,167 (-2.1%) | 0.91 | 6,225 |
| 2020-07-01 | $312,450 (1.4%) | $442,590 (0.8%) | 0.91 | 5,631 |
| 2020-08-01 | $315,000 (3.6%) | $451,078 (3.4%) | 0.90 | 5,025 |
| 2020-09-01 | $315,000 (4.4%) | $458,640 (5.2%) | 0.90 | 4,440 |
| 2020-10-01 | $309,500 (3.2%) | $456,928 (5.0%) | 0.89 | 4,255 |
| 2020-11-01 | $302,945 (1.0%) | $461,768 (5.6%) | 0.89 | 4,078 |
| 2020-12-01 | $300,864 (0.3%) | $464,782 (6.2%) | 0.89 | 3,699 |
| 2021-01-01 | $303,900 (1.3%) | $470,488 (7.4%) | 0.91 | 3,040 |
| 2021-02-01 | $313,503 (1.1%) | $492,995 (10.8%) | 0.91 | 2,450 |
| 2021-03-01 | $319,450 (2.6%) | $502,391 (13.7%) | 0.91 | 2,159 |
| 2021-04-01 | $329,950 (10.0%) | $523,859 (22.3%) | 0.89 | 2,144 |
| 2021-05-01 | $336,600 (10.0%) | $519,338 (19.6%) | 0.89 | 2,213 |
| 2021-06-01 | $345,592 (12.1%) | $519,530 (19.4%) | 0.91 | 2,441 |
| 2021-07-01 | $349,900 (12.0%) | $527,632 (19.2%) | 0.92 | 2,753 |
| 2021-08-01 | $350,000 (11.1%) | $526,880 (16.8%) | 0.93 | 2,893 |
| 2021-09-01 | $359,923 (14.3%) | $527,742 (15.1%) | 0.96 | 3,017 |
| 2021-10-01 | $355,000 (14.7%) | $511,506 (11.9%) | 0.95 | 3,080 |
| 2021-11-01 | $361,500 (19.3%) | $521,998 (13.0%) | 0.97 | 2,780 |
| 2021-12-01 | $367,950 (22.3%) | $546,586 (17.6%) | 1.00 | 2,394 |
| 2022-01-01 | $375,000 (23.4%) | $564,407 (20.0%) | 1.01 | 2,147 |
| 2022-02-01 | $380,000 (21.2%) | $580,587 (17.8%) | 0.99 | 1,859 |
| 2022-03-01 | $395,925 (23.9%) | $600,690 (19.6%) | 0.99 | 1,732 |
| 2022-04-01 | $410,000 (24.3%) | $601,499 (14.8%) | 0.98 | 2,003 |
| 2022-05-01 | $427,950 (27.1%) | $612,944 (18.0%) | 0.98 | 2,655 |
| 2022-06-01 | $439,473 (27.2%) | $611,924 (17.8%) | 0.98 | 3,384 |
| 2022-07-01 | $426,963 (22.0%) | $595,293 (12.8%) | 0.96 | 4,383 |
| 2022-08-01 | $420,135 (20.0%) | $590,359 (12.1%) | 0.97 | 5,149 |
| 2022-09-01 | $409,498 (13.8%) | $570,660 (8.1%) | 0.96 | 5,574 |
| 2022-10-01 | $400,000 (12.7%) | $564,187 (10.3%) | 0.94 | 5,848 |
| 2022-11-01 | $397,500 (10.0%) | $550,419 (5.4%) | 0.96 | 6,048 |
| 2022-12-01 | $389,000 (5.7%) | $543,580 (-0.6%) | 0.96 | 5,804 |
| 2023-01-01 | $385,000 (2.7%) | $544,127 (-3.6%) | 0.95 | 5,299 |
| 2023-02-01 | $389,720 (2.6%) | $555,031 (-4.4%) | 0.94 | 5,065 |
| 2023-03-01 | $399,450 (0.9%) | $577,661 (-3.8%) | 0.94 | 4,789 |
| 2023-04-01 | $410,000 (0.0%) | $599,640 (-0.3%) | 0.95 | 4,498 |
| 2023-05-01 | $426,376 (-0.4%) | $623,358 (1.7%) | 0.97 | 4,446 |
| 2023-06-01 | $438,998 (-0.1%) | $631,847 (3.3%) | 0.99 | 4,716 |
| 2023-07-01 | $435,000 (1.9%) | $626,948 (5.3%) | 0.99 | 4,827 |
| 2023-08-01 | $427,500 (1.8%) | $607,780 (3.0%) | 0.98 | 4,961 |
| 2023-09-01 | $424,900 (3.8%) | $602,249 (5.5%) | 0.99 | 5,271 |
| 2023-10-01 | $425,000 (6.3%) | $603,796 (7.0%) | 1.00 | 5,678 |
| 2023-11-01 | $412,000 (3.7%) | $588,535 (6.9%) | 0.98 | 5,967 |
| 2023-12-01 | $407,697 (4.8%) | $577,685 (6.3%) | 0.99 | 5,951 |
| 2024-01-01 | $404,950 (5.2%) | $573,897 (5.5%) | 0.99 | 5,751 |
| 2024-02-01 | $410,000 (5.2%) | $575,287 (3.7%) | 0.99 | 6,209 |
| 2024-03-01 | $415,000 (3.9%) | $590,907 (2.3%) | 0.98 | 6,636 |
| 2024-04-01 | $420,000 (2.4%) | $597,036 (-0.4%) | 0.98 | 7,158 |
| 2024-05-01 | $421,994 (-1.0%) | $597,681 (-4.1%) | 0.96 | 7,541 |
| 2024-06-01 | $419,900 (-4.4%) | $597,581 (-5.4%) | 0.95 | 8,039 |
| 2024-07-01 | $414,500 (-4.7%) | $585,728 (-6.6%) | 0.95 | 8,386 |
| 2024-08-01 | $409,850 (-4.1%) | $573,727 (-5.6%) | 0.95 | 8,349 |
| 2024-09-01 | $399,000 (-6.1%) | $562,419 (-6.6%) | 0.94 | 8,533 |
| 2024-10-01 | $397,750 (-6.4%) | $561,176 (-7.1%) | 0.94 | 8,553 |
| 2024-11-01 | $394,000 (-4.4%) | $558,839 (-5.1%) | 0.95 | 8,581 |
| 2024-12-01 | $384,500 (-5.7%) | $546,878 (-5.3%) | 0.96 | 8,138 |
| 2025-01-01 | $385,000 (-4.9%) | $544,641 (-5.1%) | 0.96 | 8,049 |
| 2025-02-01 | $388,098 (-5.3%) | $552,168 (-4.0%) | 0.94 | 8,493 |
| 2025-03-01 | $399,000 (-3.9%) | $570,619 (-3.4%) | 0.94 | 9,001 |
| 2025-04-01 | $399,995 (-4.8%) | $576,635 (-3.4%) | 0.93 | 9,676 |
| 2025-05-01 | $405,000 (-4.0%) | $584,550 (-2.2%) | 0.92 | 9,893 |
| 2025-06-01 | $408,995 (-2.6%) | $582,868 (-2.5%) | 0.93 | 9,965 |
Jacksonville's median listing price comes in at 93% of the national average.
Jacksonville's average listing price for 2025-06-01 was $582,868, a difference of $-14,713 (-2.5%) versus the prior year and $-1,682 versus the prior month.
For the 2025-06-01 period, Jacksonville had 9,965 MLS listings, a difference of 72 listings (1%) versus the prior month and 1,926 listings (24%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Jacksonville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 79 days | 2,075 sqft |
| 2018-02-01 | 70 days | 2,076 sqft |
| 2018-03-01 | 52 days | 2,114 sqft |
| 2018-04-01 | 54 days | 2,113 sqft |
| 2018-05-01 | 56 days | 2,098 sqft |
| 2018-06-01 | 57 days | 2,102 sqft |
| 2018-07-01 | 58 days | 2,055 sqft |
| 2018-08-01 | 60 days | 2,037 sqft |
| 2018-09-01 | 65 days | 2,013 sqft |
| 2018-10-01 | 65 days | 1,999 sqft |
| 2018-11-01 | 68 days | 1,986 sqft |
| 2018-12-01 | 73 days | 1,987 sqft |
| 2019-01-01 | 80 days | 1,977 sqft |
| 2019-02-01 | 74 days | 1,972 sqft |
| 2019-03-01 | 64 days | 2,013 sqft |
| 2019-04-01 | 58 days | 2,043 sqft |
| 2019-05-01 | 59 days | 2,055 sqft |
| 2019-06-01 | 60 days | 2,049 sqft |
| 2019-07-01 | 64 days | 2,041 sqft |
| 2019-08-01 | 65 days | 2,020 sqft |
| 2019-09-01 | 67 days | 2,002 sqft |
| 2019-10-01 | 68 days | 1,989 sqft |
| 2019-11-01 | 65 days | 1,986 sqft |
| 2019-12-01 | 71 days | 1,980 sqft |
| 2020-01-01 | 78 days | 1,976 sqft |
| 2020-02-01 | 69 days | 1,981 sqft |
| 2020-03-01 | 56 days | 1,960 sqft |
| 2020-04-01 | 59 days | 1,915 sqft |
| 2020-05-01 | 66 days | 1,933 sqft |
| 2020-06-01 | 72 days | 1,931 sqft |
| 2020-07-01 | 71 days | 1,937 sqft |
| 2020-08-01 | 70 days | 1,922 sqft |
| 2020-09-01 | 63 days | 1,896 sqft |
| 2020-10-01 | 58 days | 1,862 sqft |
| 2020-11-01 | 57 days | 1,851 sqft |
| 2020-12-01 | 59 days | 1,829 sqft |
| 2021-01-01 | 60 days | 1,819 sqft |
| 2021-02-01 | 54 days | 1,799 sqft |
| 2021-03-01 | 44 days | 1,809 sqft |
| 2021-04-01 | 38 days | 1,804 sqft |
| 2021-05-01 | 39 days | 1,810 sqft |
| 2021-06-01 | 35 days | 1,800 sqft |
| 2021-07-01 | 36 days | 1,804 sqft |
| 2021-08-01 | 36 days | 1,797 sqft |
| 2021-09-01 | 37 days | 1,784 sqft |
| 2021-10-01 | 37 days | 1,800 sqft |
| 2021-11-01 | 42 days | 1,794 sqft |
| 2021-12-01 | 48 days | 1,798 sqft |
| 2022-01-01 | 47 days | 1,798 sqft |
| 2022-02-01 | 37 days | 1,799 sqft |
| 2022-03-01 | 34 days | 1,845 sqft |
| 2022-04-01 | 29 days | 1,837 sqft |
| 2022-05-01 | 27 days | 1,853 sqft |
| 2022-06-01 | 29 days | 1,851 sqft |
| 2022-07-01 | 33 days | 1,853 sqft |
| 2022-08-01 | 41 days | 1,846 sqft |
| 2022-09-01 | 46 days | 1,836 sqft |
| 2022-10-01 | 53 days | 1,823 sqft |
| 2022-11-01 | 59 days | 1,815 sqft |
| 2022-12-01 | 64 days | 1,806 sqft |
| 2023-01-01 | 73 days | 1,799 sqft |
| 2023-02-01 | 64 days | 1,809 sqft |
| 2023-03-01 | 52 days | 1,817 sqft |
| 2023-04-01 | 51 days | 1,840 sqft |
| 2023-05-01 | 48 days | 1,861 sqft |
| 2023-06-01 | 45 days | 1,869 sqft |
| 2023-07-01 | 50 days | 1,862 sqft |
| 2023-08-01 | 49 days | 1,856 sqft |
| 2023-09-01 | 50 days | 1,835 sqft |
| 2023-10-01 | 51 days | 1,825 sqft |
| 2023-11-01 | 53 days | 1,812 sqft |
| 2023-12-01 | 61 days | 1,800 sqft |
| 2024-01-01 | 66 days | 1,786 sqft |
| 2024-02-01 | 51 days | 1,783 sqft |
| 2024-03-01 | 47 days | 1,800 sqft |
| 2024-04-01 | 51 days | 1,808 sqft |
| 2024-05-01 | 51 days | 1,811 sqft |
| 2024-06-01 | 55 days | 1,816 sqft |
| 2024-07-01 | 58 days | 1,800 sqft |
| 2024-08-01 | 61 days | 1,792 sqft |
| 2024-09-01 | 65 days | 1,762 sqft |
| 2024-10-01 | 70 days | 1,760 sqft |
| 2024-11-01 | 72 days | 1,750 sqft |
| 2024-12-01 | 78 days | 1,715 sqft |
| 2025-01-01 | 74 days | 1,713 sqft |
| 2025-02-01 | 66 days | 1,715 sqft |
| 2025-03-01 | 57 days | 1,735 sqft |
| 2025-04-01 | 57 days | 1,759 sqft |
| 2025-05-01 | 60 days | 1,770 sqft |
| 2025-06-01 | 67 days | 1,787 sqft |
Jacksonville's median square footage for active listings during the 2025-06-01 period was 1,787 sqft. One year prior, the average listing was 1,816 sqft.